As a rule of thumb, you always want to secure life insurance while you’re young and healthy, but that’s easier said than done. All too often, health conditions sneak up on us without and signs or warnings. Multiple Sclerosis is one of those health issues.
Having MS (aka Multiple Sclerosis) can make finding life insurance a tough task. Since the disease effects everyone differently, getting an accurate quote on life insurance is tough – even for the most savvy life insurance agents that specialize in high risks.
We can tell you that the best life insurance rates with multiple sclerosis are given to those whose first attack was at a younger age and only experienced minor symptoms in the last few years.
A life insurance agent will need to know the age of diagnosis, medications you’re taking, type of MS and number of attacks with dates of the most recent ones. With this information a life insurance agent can shop the market for you.
Which brings us to the best advice we can give someone in the market for life insurance that has MS. You ALWAYS want to use an independent life insurance agent since they can use any life insurance company on the market. They work for you and don’t prefer and specific life insurance company. More importantly you’ll want to seek out a high risk life insurance expert.
Securing affordable life insurance with MS is like securing life insurance for any other high risk. Some companies look at your MS more favorably than others. The key is finding the company that will view your risk most favorably which will in turn give you the best life insurance rates. An experienced agent will know which companies provide the lowest rates for people with varying degrees of Multiple Sclerosis.
So if you’re in the market for life insurance and have MS – don’t use an instant quote engine because those rates are generic. There are certain companies you’ll need to seek out and only an experienced high risk life insurance agent would be able to help you. Interview a few agents and ask if they’ve had any experience with Multiple Sclerosis and start your search there.