June 2, 2016


Arranging Life Insurance & Critical Illness with a family history of Multiple Sclerosis (MS)

What is Multiple Sclerosis (MS)

Multiple sclerosis (MS) is a condition which can affect the brain and/or spinal cord, causing a wide range of potential symptoms, including problems with vision, arm or leg movement, sensation or balance.  It’s a lifelong condition that can sometimes cause serious disability, although it can occasionally be mild. In many cases, it’s possible to treat symptoms. Average life expectancy is slightly reduced for people with MS.  It’s estimated that there are more than 100,000 people diagnosed with MS in the UK.  It’s most commonly diagnosed in people in their 20s and 30s, although it can develop at any age. It’s about two to three times more common in women than men.

Case study

We were contacted by Ms A, a 36 year old surveyor. She told us she had encountered difficulties in arranging insurance cover. She didn’t have any insurance in place at the moment, but said she’d like to arrange cover to ensure that funds are available to repay her mortgage should she suffer a serious (or critical) illness.  Furthermore, she wanted to offer financial security to her young daughter should she pass away.

Ms A had found problems in obtaining a policy because both her father and sister have been diagnosed with MS.

Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By being upfront and detailed, we are able to obtain the best terms possible for our clients.

We contacted all the major UK Insurance Providers to investigate how they would view an application from Ms A. All companies confirmed that they would exclude MS from their list of critical illnesses. However most insurance companies would also exclude further medical conditions such as blindness and some said they would even make an increase on top of the basic premium (this is called a loading).

A good outcome

During our research found one company who not only offered one of the most comprehensive critical illness policies available, but agreed to offer the cover on a standard premium with no further exclusions apart from MS.

Ms A understands that she will be unable to obtain cover for MS but is pleased that we have managed to find her a life or earlier critical illness policy with an initial sum assured of £90,000 for a premium of £26.65.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

Next steps

Whilst you are welcome to get a quote on-line but we would recommend you talk to one of our advisers.

Any quote that your adviser provides you with will take into account to your circumstances, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.

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If you would like more about MS, the NHS Website has useful information.

Interested in related stories

Client testimonials – read more on Reviews.co.uk

“The whole process ran smoothly from start to finish. We would have no hesitation in recommending Future Proof to friends and family needing advice.” 

“My adviser was very good at finding the best policy for me and was extremely kind and helpful, nothing was to much trouble.”

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Interesting facts:

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success, and all applications are subject to underwriting.

Case Ref: 103288145