Can I get life insurance with MS?

Yes. Many people with MS can get life insurance, especially with relapsing-remitting MS that is well-controlled. Premiums will be higher, and a specialist broker is strongly recommended.

How much does life insurance cost with MS?

It varies widely depending on the type and severity of MS. Mild, well-controlled RRMS may see a 50 to 150 percent loading. Progressive MS may face higher loadings or difficulty obtaining cover.

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Life Insurance for Multiple Sclerosis (MS) UK 2026

Being diagnosed with multiple sclerosis (ms) does not mean you cannot get life insurance. Many UK insurers offer cover, though terms and premiums may vary depending on your specific circumstances.

Can You Get Life Insurance with MS?

Yes. Many people with multiple sclerosis can get life insurance, though premiums will typically be higher than standard rates. The terms depend on the type of MS, how it has progressed, your current symptoms, and your level of disability.

How Insurers Assess MS

Type of MS – Relapsing-remitting MS (RRMS) is viewed more favourably than primary or secondary progressive MS
Time since diagnosis – Longer duration with stable symptoms is positive
Current disability level – Mobility, daily functioning, and EDSS score
Treatment – Disease-modifying therapies and their effectiveness
Relapse frequency – Fewer relapses indicate better-controlled disease

Specialist help recommended: MS is a condition where terms vary enormously between insurers. A specialist broker experienced with neurological conditions can navigate the market and find the best available terms for your specific situation.

If standard insurance is not available at acceptable terms, guaranteed acceptance policies provide an alternative with no medical questions required.

Frequently Asked Questions

Yes, especially for well-controlled RRMS. Premiums will be higher. Use a specialist broker.

Mild RRMS: 50–150% loading. Progressive MS: higher loadings. Varies greatly by insurer.

How multiple sclerosis affects your life insurance application

Getting life insurance with a history of multiple sclerosis is often possible, but it is almost always mainstream UK insurers that offer the most flexible underwriting for your situation — not direct-to-consumer comparison sites. Factors that matter include the date of diagnosis, the treatment completed, the time since last recurrence or monitoring, and your consultant's current prognosis.

Our FCA-authorised advisers know which insurers are most accommodating for multiple sclerosis, and can often arrange cover where a comparison website has returned a blanket decline. Where full cover is not immediately available we can arrange deferred or exclusion-based cover so you still have some protection in place now, with a review point in the future.

We never share your medical information outside the application. Insurers use the NHS digital Access to Medical Reports Act framework to request GP information only with your explicit consent, and you will always see any report before it is sent.

Frequently asked questions

Can I get life insurance with multiple sclerosis?

Yes — in the vast majority of cases cover is available, sometimes at a standard rate. Exclusions or small premium loadings are more common than outright declines. Our advisers place multiple sclerosis applications with the insurer most likely to offer the best terms for your specific situation.

Will I need a medical exam?

Not automatically. Most applications are underwritten from your online health declaration and, where needed, a GP report. A short nurse screening (height, weight, blood pressure) is sometimes requested for higher sums assured.

How long does underwriting take for multiple sclerosis?

Standard underwriting takes 2–5 working days. Where a GP report is needed, allow 3–6 weeks for the NHS system to return it. We chase on your behalf and keep you updated weekly.

Should I disclose everything to my insurer?

Yes — always. Non-disclosure is the single biggest reason claims get rejected. If you are unsure whether something is relevant, declare it. An FCA-regulated adviser can walk you through the question set so nothing is missed.

Life Insurance for Multiple Sclerosis (MS) UK 2026

Can You Get Life Insurance with MS?

How Insurers Assess MS

Frequently Asked Questions

How multiple sclerosis affects your life insurance application

Frequently asked questions

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