Multiple Sclerosis Life Insurance!
Multiple Sclerosis or (MS) is a chronic or recurrent progressive disease of the central nervous
system. Currently the cause of MS is unknown but there is growing evidence that it may result from a combination of genetic, environmental and immunological factors.
If you have been declined for a term life insurance policy or highly rated, it still may be possible for you to obtain quality coverage that you can afford. It may not be cheap insurance because getting the coverage will depend on a number of different factors; such as how long you have been diagnosed, how progressed your disease is, current medications and any other serious medical issues.
Below you will find a number of questions that you will need to give to your agent or life insurance broker like us here at the lifeinsurance-pros so we may contact the underwriting departments at our carriers and get tentative quotes. This way you can see what insurance may cost you up front before you go through the whole underwriting process.
1.) Date of first diagnosis:
2.) Please indicate the number of episodes and date of last episode:
3.) Please list any medications?
4.) Please note current neurological status and/or symptoms.
minimal residual impairment (please specify)
moderate residual impairment (please specify)
severe residual impairment (please specify)
5.)Please provide all MRI brain scan reports:
6.) Has your client smoked cigarettes in the last 12 months?
7.) Do you have any other major health problems (ex: heart disease, etc.)?
yes, please give details
Quick Facts about Life Insurance for Multiple Sclerosis sufferers:
Typical onset is between the ages of 20 – 50 years. It is twice as common in women.
The cause of MS is unknown but there is growing evidence that it may result from a combination
of genetic, environmental and immunologic factors.
o First-degree relatives of someone with MS face a 3 -5% risk of developing MS themselves.
o MS is more frequent in areas that are distant from the equator.
o It has been speculated that a viral infection initiates the MS process, followed by
an autoimmune response in a genetically predisposed host, but this is not clear.
If you had a myocardial infarction you need to read the heart attack life insurance article to see how you can qualify for the cheapes rates.