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Ms Life Insurance

  • Life insurance available with Multiple Sclerosis
  • MS type and severity affect premiums
  • Specialist impaired risk underwriting
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Ms Life Insurance

Comprehensive guide to life insurance for people with Multiple Sclerosis. Yes, you CAN get life insurance with MS - over 150,000 people in the UK have MS with 7,100 newly diagnosed each year. Eligibility and premiums depend on MS type (relapsing-remitting, primary/secondary progressive), disability level (EDSS score), relapse frequency, and time since diagnosis. Mild relapsing-remitting MS adds 50-150% to premiums, moderate MS adds 150-300%, while severe or progressive MS adds 300-500%+ or may face decline. Our specialist impaired risk team with 15+ years experience knows which insurers offer competitive rates for MS patients.

By: Rob Rutherford Impaired Risk Specialist Updated: 1st January 2026

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How to get affordable life insurance for people with MS [2026]

Yes, even if you've been diagnosed with multiple sclerosis, it could be possible to secure life insurance to protect your family members should the worst happen.

Your eligibility for life insurance and the cost of your premiums will depend on your personal circumstances.

How much MS life insurance do you need?

calculate how much life insurance you may need based on your current financial commitments and what you want your policy to cover. Simply complete the fields which apply to you for an instant calculation.

The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.

Consider the following when calculating your life insurance needs:

  • Outstanding mortgage balance
  • Other debts and loans
  • Income replacement for your family (typically 5-10 years of salary)
  • Children's education costs
  • Funeral expenses (typically £4,000-£10,000)
  • Any specific financial goals for your dependents

For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).

Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Ms Life Insurance, and find the right level of cover for your needs at the best available price.

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Is MS a pre-existing condition?

Yes, if you've been diagnosed with MS before applying for life insurance then this will be classified as apre-existing medical condition.

Pre-existing conditions must be disclosed during the application process to ensure you're provided with the right cover.

If you withhold information or provide false details, this is known as non-disclosure , and it could prevent a payout from being made when the time comes.

It could still be possible to secure life cover with a pre-existing condition. However, it can be more difficult to arrange some forms of life insurance.

Fortunately, we have a team of experts who can help you compare various policies to find you our most suitable options.

The MS Society estimate that there are over 150,000 people with MS in the UK, and that around 7,100 people are newly diagnosed each year[4].

Types of life insurance for MS sufferers UK

Life insurance options that could be available to applicants who suffer from MS are the same as for anyone else.

However, depending on the own personal circumstances, some options may be more suitable than others.

Your options include:

Frequently Asked Questions

Can I get life insurance with Multiple Sclerosis?

Yes, people with MS can get life insurance from specialist impaired risk insurers. Your application will be assessed individually based on: MS type (relapsing-remitting, primary/secondary progressive), Time since diagnosis, Disability level (EDSS score), Relapse frequency and severity, Current treatment and response, Age at diagnosis. Premiums typically range from 50-300%+ higher than standard rates depending on these factors.

How much does life insurance cost with MS?

MS significantly increases premiums compared to standard rates. Example: A 35-year-old non-smoker might pay £10/month for £200,000 cover. With MS: Mild relapsing-remitting (few relapses, minimal disability): £15-25/month (50-150% higher), Moderate MS (regular relapses, some disability): £25-40/month (150-300% higher), Severe MS (frequent relapses, significant disability): £40-60/month (300-500% higher) or decline. Secondary progressive MS faces highest premiums or potential decline.

What information will insurers need about my MS?

Insurers will ask detailed questions about your MS: Type of MS (relapsing-remitting, primary progressive, secondary progressive), Date of diagnosis and age at diagnosis, Current EDSS score (disability level), Relapse history (frequency, severity, hospitalisations), Current medication and treatment response, Symptoms and functional limitations, Mobility aids required, Work status and capability, Recent MRI results if available. Be prepared to provide medical records or specialist reports for underwriting.

Does the type of MS affect my application?

Yes, MS type significantly impacts underwriting: Relapsing-remitting MS (best prognosis): Mild: 50-150% loading, Moderate: 150-300% loading, Severe or frequent relapses: May face decline. Primary progressive MS (steady decline): Higher premiums (200-400%+) or decline likely. Secondary progressive MS (was relapsing, now progressive): Highest premiums (300-500%+) or decline. Benign MS (minimal progression after 15+ years): May get 25-75% loading. Insurers also consider EDSS score, relapse frequency, and disability level.

Will I need a medical exam?

Possibly, especially for larger cover amounts: Small cover (under £100,000): May only need detailed medical questionnaire and GP/specialist reports. Larger cover (£100,000+): Medical exam likely required including neurological assessment, blood tests, blood pressure, height/weight. Some insurers always require exams for MS regardless of cover amount. The exam helps insurers assess current disability level and disease progression. May also request recent MRI results or EDSS scores.

How can I get better rates with MS?

Tips to improve your chances and reduce premiums: 1) Apply with specialist impaired risk insurers who understand MS, 2) Demonstrate good disease control (minimal relapses, stable symptoms), 3) Maintain treatment compliance (take medications as prescribed), 4) Show functional ability (still working, independent living), 5) Apply when disease is stable (not during/after recent relapse), 6) Don't smoke (already paying extra for MS - smoking doubles it), 7) Choose shorter terms or family income benefit (cheaper than level term), 8) Consider guaranteed acceptance over-50s plans if standard market declines.

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