In this video I discuss how to get life insurance with MS. If you would like a quote for life insurance, fill out the quote request form below this video.
Transcript: Life Insurance with MS
If you have Multiple Sclerosis, in this video I’m going to talk to you about how to get approved for life insurance with Multiple Sclerosis.
So if you have multiple sclerosis and you may have been declined for insurance in the past or maybe you haven’t applied yet, but you can get approved for life insurance with Multiple Sclerosis, it really depends on specifically your condition.
Some of the questions we would ask you in order to find out what kind of pricing you would get on a life insurance policy, is we would want to know when you were diagnosed how long you’ve had multiple sclerosis, are you currently on disability, do you need help with activities of daily living, or not, or if you’re working for example, we would want to know that. We would want to know if your MS is mild, how often you have an attack, if it’s frequent or infrequent.
So if you have very mild MS you might be able to get approved at standard rates for life insurance. Even if it is a little bit moderate but without major disabilities, you can still qualify for a traditional life insurance policy that probably would be rated but you would still qualify for a traditional life insurance policy and we can work with you to find you the best quote for that.
If the Multiple Sclerosis is very severe and you’re on disability, and you need help with activities of daily living then the best bet is probably to go with a graded death benefit policy.
Graded death benefit policies have a waiting period before the death benefit pays out, but you can get approved if you have a pre-existing condition.
So you can visit our website Chooseterm.com and fill out a quote request form, we can help you find the best quote for you based on your specific condition with MS.
Author: Liran Hirschkorn