Life Insurance with Multiple Sclerosis [Ultimate Guide]

Is affordable life insurance with multiple sclerosis available?

Affordable life insurance with multiple sclerosis is available. But, you must know the secret to finding the companies that will underwrite your coverage the best.

All insurance carriers use the same published rates. But, not all insurance carriers look at your medical history and lifestyle the same.

Some insurance companies will simply go by the published book rates. But, a very select few of life insurance companies specialize in offering better rates for individuals with pre-exisiting medical conditions or high risk occupations, etc.

The secret to finding these specialized companies is working with an agent that has the knowledge and experience in this marketplace.

How do insurance companies rate life insurance with multiple sclerosis?

Life insurance companies define multiple sclerosis as a chronic or recurrent progressive disease of the central nervous system. The typical onset is between the ages of 20 and 50 years.

The cause of MS is unknown. But, it may result from a combination of genetic, environmental, and immunologic factors. It is estimated that MS affects over 400,000 individuals in the U.S.

First degree relatives of someone with MS face a small risk of developing MS themselves.

MS is more frequent in areas that are distant from the equator.

It has been speculated that a viral infection initiates the MS process. This is followed by an autoimmune response in a genetically predisposed host, but this is not clear. The typical attack is relatively sudden in onset, persists for 3 to 12 weeks then clears.

In underwriting life insurance with multiple sclerosis, underwriters are concerned with the type of involvement  and symptoms reported by the insured.

Types of involvement can include:


Corresponding symptoms can include:


Psychiatric and cognitive disturbances are common in MS. Up to 20% of patients experience a major depression. This typically responds to traditional drug therapy. Memory and attention deficits also occur.

The following clinical presentations are very suggestive of MS:

  • Optic Neuritis- (inflammation of the optic nerve) frequently the first manifestation of MS, which can be diagnosed years later.
  • Internuclear Opthalamoplegia– weakness of the eye muscles.
  • Lhermitte’s sign– an electric or shock like sensation going down the arms, back or lower trunk when the neck is flexed.

For a company that specializes in life insurance with multiple sclerosis here are some of the common underwriting guidelines:

  • While under treatment for an acute exacerbation or while under treatment with immune suppression- application postponed
  • Suspected MS but with no test results to support the diagnosis and no current evidence of disease and no treatment recommended rating would be: 75% extra premium within 2 years of attack. 50% extra premium if within 3-4 years of the attack. No rating or extra premium if after 4 years.
  • Definite MS- at least two clinical events and or with test results to support the diagnosis, or anyone for which treatment has been recommended and minimal impairment, is ambulatory, independent and stable:
  1. 175% extra premium if within 2 years of last attack
  2. 125% extra premium if within 3 to 5 years of last attack
  3. 75% extra premium if within 6- 10 years of last attack
  4. No rating or extra premium if after 10 years since last attack
  • If the degree of severity is more than minimal- the rating will increase, and declination is likely on most severe cases. Progressive neurological decline in less than 10 years would be a declination.

Important Reminder- It is important to remember that there are many companies that will underwrite life insurance with multiple sclerosis better than others. Where one company may rate an individual with a 125% extra premium charge. Another carrier may only rate with a 75% extra premium charge. Your agent must have the skill to negotiate with these carriers to get the lowest offer. This can be the difference over several thousands dollars over the life of your policy.

Some of the companies specializing in life insurance with multiple sclerosisLife insurance with multiple sclerosis

Here are some of the companies in our industry that do a good job underwriting multiple sclerosis. Some you probably have heard of and some perhaps not:

  • Prudential Life 
  • John Hancock Life 
  • American General Life
  • United of Omaha
  • Protective Life
  • Banner Life
  • Lincoln National Life
  • Relia-Star Life
  • Transamerica Life


Questions to answer before submitting a formal application to a company

When shopping for life insurance with multiple sclerosis it is best to get a preliminary offer from the insurance company before submitting a formal application.

An experienced agent will ask several questions that can help the companies understand where you are in the progression of your multiple sclerosis.

You do not want to submit applications to multiple insurance companies at the same time. This can send information to your medical information bureau file. If you are declined for life insurance this will be reported to your MIB file.

This can make securing coverage much harder. Do not work with any agent who suggests applying to several companies to see which one is the best. This is a mistake that many agents make that do not understand this special risk marketplace.

Questions that you may be asking when looking for life insurance with multiple sclerosis are:

  • Male or Female?
  • Date of Birth?
  • Date of first diagnosis?
  • Number of episodes and date of last episodes?
  • Any current medications?
  • Current neurologic status? I.E. Normal, minimal residual impairment, moderate residual impairment, severe residual impairment
  • Any MRI brain scan reports? Results?
  • Used any tobacco products in last 5 years?
  • Any other major health impairments? I.E. heart disease, diabetes, etc?

In addition to the medical questions above, it is also important to know:

  • How much coverage do you need?
  • What type of coverage do you want?
  • How soon do you need the coverage to go in force?
  • Are you okay with taking a medical exam?


In today’s life insurance arena, it is possible to find affordable life insurance with multiple sclerosis. The key is finding an agent that specializes in this niche. We are experts at finding companies that will participate in underwriting life insurance with multiple sclerosis the best. We negotiate personally with the underwriters on your behalf.

Life insurance agents do work on commission. By law, someone gets paid a commission no matter how you purchase your policy. Many of the big name quoters and national companies cannot give you the personalized attention that we can. Who knows if you can even get the same person on the phone twice when you call the national companies?

We have been doing this for 30 years and you can contact us and talk to the owner of the company. Let us help you secure the lowest rate in the industry.

If you would like to discuss your particular situation, please contact us at 1-888-393-9003 or email Mike Raines at




For a FREE quote

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

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

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


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


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.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

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.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

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.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

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

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