Primary progressive multiple sclerosis life insurance

Primary progressive multiple sclerosis (PPMS) is a less common form of MS, affecting about 10% to 15% of individuals diagnosed with the condition[1]. In comparison, around 80 to 85% of MS patients are initially diagnosed with Relapsing-Remitting MS[2].

There isn’t a specific life insurance for those living with PPMS, the term ‘primary progressive multiple sclerosis life insurance’ simply refers to a person with this condition securing a life insurance policy.

This form of MS means symptoms gradually get worse rather than having a relapse of symptoms.

But does this mean you can still secure a suitable life insurance policy with PPMS?

Read this quick and easy guide on primary progressive MS life insurance and discover all you need to know.

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Life insurance and primary progressive multiple sclerosis

  • The type of MS that you have been diagnosed with and the severity of your condition can impact your life insurance premiums and eligibility
  • PPMS is a form of MS that develops symptoms overtime (including loss of balance, tremors and muscle pain)
  • You may still be able to secure life insurance with MS but premiums may be inflated
  • If you’re actively treating and maintaining your MS well then this may have a positive impact on your cover
  • If you are diagnosed with PPMS after securing cover, you don’t need to inform your insurer (it won’t affect your active policy)

Can I get life insurance with primary progressive MS?

Yes, you may be able to secure life insurance with primary progressive MS.

Insurers may consider your PPMS as high risk, therefore affecting your premiums and eligibility.

The type of policy, severity of your PPMS and overall health (as well as other personal factors) will play a role in your overall eligibility for life cover.

Making sure to explore options that suit your needs and comparing insurers can help you find the right policy for your circumstances.

Reassured and it’s advised team, can help you explore all available options from some of the UK's largest insurers, including smaller specialists.

Best life insurance for primary progressive MS

There isn’t officially a best life insurance for those with primary progressive MS, it’ll simply be down to what is best for your personal circumstances and needs.

However, listed are some popular options that could be right for you:

Over 50s life insurance

Cover available to UK residents aged 50 - 85, offering guaranteed acceptance with no medical questions asked.

This means your PPMS won’t affect your eligibility or premium costs.

A fixed pay out is guaranteed when you pass away (after the waiting period of 12 - 24 months)

Level term life insurance

Cover that can last from 2 - 40 years, offering a pay out that remains the same throughout the term.

You’ll receive a pay out if you pass away during the term. This is a great option for those looking to cover a financial commitment for a set amount of time (e.g. an interest-only mortgage).

Medical information will be required in the application.

Decreasing life insurance

Cover that lasts for 2 - 40 years with a pay out amount that reduces throughout the term.

You’ll receive a pay out if you pass away during the term. This is a suitable option for those looking to pay off a loan over time (e.g. a repayment mortgage).

Medical information will be required in the application.

Family income benefit

Opposed to a lump sum, this policy pays out regular income to your family if you pass away during the policy term.

This can offer ongoing financial support and could be a suitable option if you’re looking to have financial aid that’s easier for loved ones to budget.

Reassured can help you compare different types of cover and insurers to ensure you secure the right policy for you and your loved ones.

How much is life insurance with primary progressive MS?

The price you pay and your eligibility for life insurance will be down to a variety of factors asked by insurers. Each insurer will have different terms and conditions, so it’s important to explore your options.

The factors that can affect your life insurance premiums are:

  • Age
  • Smoking status
  • BMI
  • Health & wellbeing
  • Occupation
  • Lifestyle
  • Policy term
  • Type of policy
  • Sum assured

Being truthful and transparent when responding to questions is crucial.

If you provide false information in your application or fail to disclose all relevant details to the insurer, your loved ones might end up not receiving a pay out due to non-disclosure.

If you’re a UK resident aged between 50 - 85 with primary progressive MS, opting for an over 50s life insurance policy could be a cheap and easy option. In the application you won’t be asked any medical questions and you’ll have guaranteed cover for the rest of your life.

Prices start from just £5 a month + .

How much life insurance do I need with primary progressive MS?

Work out how much life insurance you may need based on your current financial commitments and what you want your policy to cover. Simply fill in the fields which apply to you for an instant calculation.

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£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.

Source: Moneynerd.co.uk
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The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.

Source: Nimblefins.co.uk
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The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.

Source: Money.co.uk
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According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.

Source: SunLife.co.uk
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When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Sources: Daynurseries.co.uk, Primarytimes.co.uk & Savethestudent.org
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2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.

Source: Moneyage.co.uk
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If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.

Source: Scottishbusinessnews.net
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What will I get asked during the application?

When applying for life cover, you’ll be asked a series of questions, including medical history. When having PPMS, your insurer may ask further questions to analyse the severity of your condition.

For example, many insurers may ask:

  • When were you diagnosed with PPMS?
  • how has your condition progressed?
  • What symptoms do you have?
  • Do you take medication / have you had treatment and has it helped?
  • Have you been hospitalised or had any health issues due to your MS?

You also may be asked to complete a medical exam by insurers when applying so they can gain a greater understanding of your condition. Alternatively, they may request a medical report from your GP.

Please note, insurers can’t gain any access to GP files without your permission, although without all required information you can’t complete your application.

Will I be declined for life insurance with primary progressive MS?

The severity and progression of your condition, as well as other factors, will determine if you’re declined for cover.

Although, if you lead a healthy lifestyle and keep your condition under control then you may be able to secure cover.

If you’ve previously been declined and are looking to secure some form of cover, Reassured have an impaired risk team who can offer assistance in finding suitable cover for all non-standard applications.

Being declined may not mean you won’t find cover. Contact our specialist impaired risk team to get started today.

Secure life insurance with primary progressive MS

When dealing with a medical condition like primary progressive MS, it's crucial to compare quotes and insurers before choosing a policy.

We work with a range of top UK life insurance companies, as well as smaller specialists (accessible through our advised team) to help you find our best policy and price tailored to your needs.

Just because you have primary progressive MS doesn't mean you should stop searching for a policy; there may still be options available for you.

Get in touch today to safeguard you’re loved one’s financial futures.

Get Life Insurance » PPMS Life Cover

Sources:

[1] https://www.nationalmssociety.org/understanding-ms/what-is-ms/types-of-ms/primary-progressive-ms

[2] https://mymsaa.org/ms-information/overview/types/

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