How To Get Life Insurance with Multiple Sclerosis (MS)

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding Multiple Sclerosis and Life Insurance

Navigating life insurance options when you have Multiple Sclerosis (MS) can be challenging, but it’s not impossible. MS is a chronic autoimmune disease affecting the central nervous system, particularly the brain and spinal cord. The immune system mistakenly attacks the protective sheath (myelin) covering nerve fibers, leading to communication issues between the brain and the rest of the body. Symptoms vary widely, including fatigue, difficulty walking, numbness, vision problems, and coordination issues.

Treatment focuses on managing symptoms, slowing progression, and improving quality of life. Disease-modifying therapies (DMTs) like interferons and monoclonal antibodies, symptomatic treatments such as corticosteroids, physical therapy, and lifestyle changes play crucial roles in managing MS.

Factors Affecting Life Insurance for MS Patients

Insurers consider several factors when evaluating life insurance applications from individuals with MS:

  1. Type of MS:
    • Relapsing/Remitting MS (RRMS): Periods of remission are viewed favorably.
    • Progressive MS: Continuous symptom progression results in higher rates.
  2. Disease Impact:
    • The need for walking assistance.
    • Use of steroids like prednisone.
    • Frequency and severity of flare-ups.
  3. Medical Assessment:
    • Age at diagnosis.
    • Symptom frequency and severity.
    • Disease progression and disability degree.
    • Treatment effectiveness.

Coverage Scenarios:

  • Stable MS: Moderate symptoms might be considered for coverage.
  • Severe MS: Often results in policy declinations.

Alternative To Traditional Life Insurance

Guaranteed issue life insurance is a good alternative if you were declined for multiple sclerosis (MS)

Can I Get Life Insurance With Ms

How We Can Help

At The Annuity Expert, we understand the complexities and emotional strain of securing life insurance with MS. We have been helping clients for over 15 years as an insurance agency, annuity broker, and retirement planner. Our goal is to find you the best solution at the lowest cost and ensure you feel valued and supported throughout the process.

Understanding Your Challenges: The core problem we solve is the difficulty in obtaining life insurance with MS. We recognize the symptoms you face: uncertainty about eligibility, fear of high premiums, and the stress of managing a chronic condition. Each of these issues affects you emotionally, adding to the burden of living with MS. We demonstrate our expertise by thoroughly understanding your medical history and current condition, helping to secure favorable insurance terms.

Best Life Insurance For Multiple Sclerosis

What We Recommend

Step 1: Initial Consultation

  • What Happens: We start with a comprehensive consultation to understand your specific situation and insurance needs.
  • Benefit: Tailored advice based on your unique circumstances.

Step 2: Personalized Insurance Strategy

  • What Happens: We develop a customized plan that considers your MS type, treatment, and overall health.
  • Benefit: A strategy that maximizes coverage and minimizes costs.

Step 3: Application and Approval

  • What Happens: We guide you through the application process, ensuring all necessary medical records and documents are in order.
  • Benefit: Increased chances of approval with favorable terms.

Features We Provide:

  • Expert Guidance: Benefit from our extensive experience in insurance and retirement planning.
  • Personalized Plans: Customized strategies to fit your needs and budget.
  • Comprehensive Support: Assistance through every step of the application process.

Addressing Common Objections:

  • Objection: High premiums.
    • Argument: We work to find the most cost-effective options tailored to your situation.
  • Objection: Fear of declination.
    • Argument: Our expertise increases the likelihood of securing coverage.

Failing to secure appropriate insurance can leave your loved ones financially vulnerable. Partnering with us ensures you get the coverage you need, providing peace of mind and financial security. The positive outcomes include feeling protected, valued, and supported.

Contact us for free advice or a quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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