Can I get life insurance with Multiple Sclerosis (MS)?

Note: Some links may earn us a commission at no cost to you.

A diagnosis of multiple sclerosis (MS) doesn’t automatically mean life insurance is out of reach. In fact, many people living with MS are insurable, especially when symptoms are mild or well-managed. While MS is a progressive neurological condition, insurers recognize that it affects everyone differently.

What Insurers Look At

When reviewing an application, underwriters usually consider:

• Type of MS – Relapsing-remitting MS often receives more favorable consideration than primary or secondary progressive MS.
• Date of Diagnosis – The length of time since diagnosis helps show how your MS has developed.
• Treatment History – Use of disease-modifying therapies, consistency of care, and relapse frequency all factor in.
• Level of Function – Are you working? Driving? Carrying out daily activities independently?
• Overall Health – Conditions like high blood pressure, diabetes, or heart disease can impact your risk class.

Why Many People with MS Still Qualify

While every case is unique, insurers often approve applicants who:

• Have relapsing-remitting MS with mild or moderate symptoms
• Have gone several years without major relapses
• Follow a regular treatment and checkup plan
• Maintain overall good health (weight, blood pressure, cholesterol)

Even applicants with progressive MS may qualify — sometimes with slightly higher premiums or special ratings — depending on stability and medical follow-up.

Common Outcomes

Here’s what you can realistically expect:

• Preferred/Standard Rates – Possible for those with stable, well-managed relapsing-remitting MS and otherwise strong health.
• Rated or Substandard Policies – More common with progressive MS, frequent relapses, or recent changes in function.
• Guaranteed or Simplified Issue Policies – Available if traditional coverage isn’t an option right now, though with higher costs and waiting periods.

Why the Right Company Matters

Not all insurers evaluate MS the same way. Some carriers are far more experienced with neurological conditions and can offer better approvals and pricing. Applying to the wrong company could lead to an unnecessary decline.

That’s why it’s critical to apply strategically — and why working with an underwriter who understands the nuances of MS can save time and money.

Related Articles

• Ultimate Guide to Life Insurance Approval – your all-in-one roadmap
• Life Insurance After a Stroke – another neurological condition insurers underwrite carefully
• High Blood Pressure – common health factor considered alongside MS
• Overweight and Life Insurance – how weight impacts eligibility and pricing
• Heart Disease and Life Insurance – often linked with MS treatment and mobility

Bottom Line

Having MS doesn’t mean life insurance is off the table. Most applicants with mild or moderate MS — especially relapsing-remitting — can qualify for coverage, often at fair rates. Even if you’ve been declined before, the right insurer and the right application strategy can make all the difference.

👉 For more insights, check out my Ultimate Guide to Life Insurance Approval, as well as articles on heart disease, cancer, and other chronic health conditions that insurers commonly evaluate.