Getting Life Insurance If You Have Multiple Sclerosis (MS)
For people who are young and healthy, getting life insurance is not a problem.
That rule does not, unfortunately, apply to individuals with multiple sclerosis (MS). Indeed, buying life insurance for someone with MS can be a financial and emotional challenge – the experience is all too often complicated and misleading.
The good news for people with MS is we have secured coverage for many individuals faced with your situation. We know which companies will decline you and which give you the best chance of getting covered. If it can be done, we can do it.
Local Life Agents makes this process simple and effective. We eliminate the frustration and confusion associated with trying to buy life insurance if you have MS. We also understand the seriousness of this chronic medical condition. So let’s take a look at how to get life insurance with MS.
What Is Multiple Sclerosis (MS)?
According to the Mayo Clinic, multiple sclerosis (MS) is an autoimmune disorder that affects the nervous system. Damage from the disease blocks messages between your brain and the rest of your body. As the nerves weaken, the condition becomes more debilitating.
Due to the diversity of symptoms, and depending on the specific nerves involved with each patient’s diagnosis, MS may cause some people to lose the ability to walk.
Though treatments can help with recovery from acute attacks of MS, the disease itself is incurable.
According to the National Multiple Sclerosis Society, over 2.3 million people suffer from some form of MS worldwide. These figures in the United States may be artificially low because there is no mandate from the Centers for Disease Control and Prevention (CDC) for doctors to report newly diagnosed cases of MS.
Since there is no national registry to catalog how widespread MS is, and because many patients may not have any initial symptoms, this health threat attracts less attention from the media.
Still, MS can strike people of any age. It is far more common among women than men, which is also true of other autoimmune diseases such as rheumatoid arthritis. The condition does, however, have a strong tendency to worsen among patients diagnosed at age 50 or older.
As a high risk applicant, the urgency of providing life insurance for patients with MS is a critical assignment.
Local Life Agents is your trusted resource for buying life insurance if you have recently been diagnosed with MS, or if you have been battling this condition for an extended period of time.
More importantly, we know that trying to purchase life insurance under these circumstances is not an easy task. Thanks to our experience we will make this a much easier process. We accomplish this goal by knowing the insurance carriers that offer life insurance for MS patients and which are best at underwriting the risk.