Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Can you get life insurance with MS? Yes a couple of ways. Some states allow graded benefit life plans to be sold which could be a solution. The other way, would be based on how your condition is at application. Your personal situation can be reviewed in pre-underwriting and depending on your situation, an offer of insurance could be made.
You can get life insurance with MS, or Multiple Sclerosis, the vast majority of the time. Mild to moderate relapsing remitting MS can qualify for a medically underwritten policy, and there are simplified issue plans for advanced complications or progressive MS. If unable to do own ADL's or in a wheelchair, guaranteed issue policies are available in most states, but those do have a minimum age of 40-50 years old.
Medically underwritten policies are not graded, have no limit on face amount (except what you can financially afford and qualify for), and cost less than most simplified or guaranteed issue policies. If you are able to work full time, or have minimal effects from your MS, you can get life insurance just like anyone else.
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Medically underwritten policies are not graded, have no limit on face amount (except what you can financially afford and qualify for), and cost less than most simplified or guaranteed issue policies. If you are able to work full time, or have minimal effects from your MS, you can get life insurance just like anyone else.