Burial Life Insurance with Multiple Sclerosis

[Quick tip-want to skip the article and find out if you qualify? Call Mike Raines at 678-207-8160 or email mike@specialriskterm.com. Mike has over 30 years experience in the special risk life insurance arena]

How to find affordable burial life insurance with multiple sclerosis?

When researching options for affordable burial life insurance with multiple sclerosis it is important to know what companies actually specialize in this protection.

The best way to find these specialty companies is to work with an independent agent. Independent life insurance agents will typically represent many different carriers.

Your agent can not only compare the pros and cons of each carriers plans, but can also identify which company would offer you the best chance of approval.

When working with an independent life agent it is important to make sure this agent also is an expert in handling individuals with pre-existing medical history.

An experienced and knowledgeable agent in this market, can sometimes save hundreds if not thousands of dollars over the lifetime of the policy, simply by knowing the which particular carrier looks most favorable at multiple sclerosis.

It’s important to understand that all life insurance carriers look at your health and lifestyle differently.

One carrier may be more lenient for diabetics while another may be the best for heart disease. Affordable burial life insurance with multiple sclerosis can often be found with carriers that simply specialize in small face amounts of coverage. These carries may also due a limited amount of underwriting.

Limited underwriting may just include a telephone interview, personal physicians records or a prescription background check.

Often times when trying to find affordable burial life insurance it comes down to simply how well your agent knows the burial life insurance market.

How to find agents who specialize in life insurance with multiple sclerosis?Burial life insurance with multiple sclerosis

The best way to locate an agent that specializes in affordable burial life insurance with multiple sclerosis is to search online or ask your property and casualty agency.

Fortunately, you have landed on this site. We are experts at locating the right carrier for your particular situation. Multiple sclerosis can often times be difficult to determine. But, once diagnosed an underwriting life insurance carrier will want to know a few details of your history to determine what risk class you qualify for.

Some of the questions your agent will need to know include:

  • Date of first diagnosis of MS?
  • Number of episodes and date of last episode?
  • Currently taking any medications? If so, what and dosage?
  • What is current neuralgic status? Example: Minimal residual impairment, moderate residual impairment, severe residual impairment?
  • Have you had MRI and or brain scan? If so, what were results?
  • Do you have any other major health problems? I.E. cancer, heart disease, diabetes?

In addition to the information above, it is also important to know how much protection is required, how long you wish to continue the protection and are you interested in guaranteed lifetime rates.

Once the above information is secured, an independent agent can then research the marketplace for those carriers that best fit your situation.


The main takeaway is the importance of using an independent life agent that specializes in finding affordable life insurance for burial protection. Not all agents work in this very special niche market. Your agent can be your best friend. Use them and all their resources in order to find the absolute best protection for your situation.

If you would like to speak to an expert agent, please contact us at 1-888-393-9003 or mike@specialriskterm.com Thank you for reading this blog and would look forward to assisting you in finding this important protection.


For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Email: mike@specialriskterm.com
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How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160

Email: mike@specialriskterm.com

Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.
About SpecialRiskTerm.com
About SpecialRiskTerm.com

We work with individuals across the nation to secure the best life insurance rates.

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