Have you been declined for life insurance due to Multiple Sclerosis?
Don’t fret. We can help! Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Multiple Sclerosis? And if so…
2. How much will it cost?
Yes, most individuals with Multiple Sclerosis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – A mild case of Multiple Sclerosis would be one with less frequent symptoms of sensory loss or cognitive dysfunction. Those that have been stable for more than a year and the symptoms of tremors and facial palsy controlled may also be considered a mild case. Most of these cases may get a “Mild Substandard” rating. Click here for quote at “Mild Substandard.”
Moderate Case – Those with complications of moderate neurological damage, but whose symptoms are mostly controlled may qualify for a “Medium Substandard” rating. Click here for quote at “Medium Substandard.”
Severe Case – Cases of Multiple Sclerosis that have been diagnosed for more than 10 years will most likely be declined because of its progressive nature, which has a high probability of moderate if not severe neurological damage. Acute attacks of demyelinating episodes will most likely cause severe and irreversible neurologic damage. These cases will also get a decline.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild Substandard or Medium Substandard), please see the questions below:
1. How many years have you been diagnosed with Multiple Sclerosis?
Long term Multiple Sclerosis is a severe condition that may already present irreversible neurological damage. These cases will be declined. Those with moderate, but controlled symptoms of cognitive dysfunction or muscle spasms may get an opportunity to get a “Medium Substandard” rating.
2. Have you experienced any symptoms within the last six months?
Symptoms or flare attacks of muscle spasms and tremors, vertigo or visual loss within the last six months will definitely get a decline.
3. Are you taking any medication at the moment?
The need for medications for Multiple Sclerosis is merely palliative care, which means relief only of the symptoms of facial palsy, pricking sensation or vertigo. So, if there are several maintenance medications being taken at the moment it could be a sign of flare attacks or a severe case of Multiple Sclerosis that may get a decline.
4. Do you have regular check-ups with your doctor?
Regular visits to your doctor will help establish the severity of your condition whether it is mild, moderate or severe. This can be the basis for your rating.
5. Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests may include CT-scan or MRI of the head and neck that will show the severity of myelin sheath damage.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Multiple Sclerosis
Multiple Sclerosis is a demyelinating disorder characterized by three triad symptoms of inflammation (swelling), demyelination (destruction of the myelin sheaths of the brain and spinal cord) and gliosis (scarring).
Multiple Sclerosis is an irreversible condition that can progress in various ways. Some show relapsing-remitting or progressive symptoms that may be slow or aggressive in nature.
Symptoms of Multiple Sclerosis vary depending on the degree of the condition. The most common ones include sensory loss such as prickling sensation or pins and needles, visual blurring or loss of eyesight, weakness and spasms of the extremities, ataxia (tremors of the voice, head or neck), vertigo or cognitive dysfunctions such as dementia, facial palsy, sexual dysfunction, epilepsy and many others.
Related Keywords: multiple sclerosis, demyelinating disease, disseminated sclerosis, encephalomyelitis disseminata