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Underwriting for MS Life Insurance


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Underwriting for MS | Understanding Multiple Sclerosis

At Outlook Life, we care about your health. Understanding your multiple sclerosis can help you lead a happier, more fulfilled life. It can also help us get you the most affordable MS Life Insurance policy. When we ask medical details about your multiple sclerosis, we use those facts to find the best rate you qualify for from over 50 companies.

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MS Life Insurance Underwriting

Underwriting for Multiple Sclerosis

Types of Multiple Sclerosis

Multiple sclerosis is classified into four types, characterized by the disease’s progression.

  • Relapsing-remitting MS (RRMS)
  • Secondary-progressive MS (SPMS)
  • Primary-progressive MS (PPMS)
  • Progressive-relapsing MS (PRMS)

Relapsing-Remitting MS Life Insurance has the most affordable rates. However, our specialists can also find life insurance coverage for those with any of the progressive types of MS, as well.

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Signs and Symptoms of Multiple Sclerosis

Impaired Vision

One of the earliest signs of multiple sclerosis may be impaired vision, especially in younger people. Mainly, people will experience loss of central vision (the ability to look straight ahead), while peripheral vision is less affected. There may be blurring, double vision, partial blindness in one eye, or pain may be experienced when one eye is moved.

Tingling or Numbness in the Arms, Legs or Face

Another common sign of multiple sclerosis is tingling or numbness in the extremities. Your doctor may perform some simple tests on your neck, arm or leg to help reach a diagnosis. Keep in mind that these first signs of MS often disappear once treatment is started.

Other Signs and Symptoms of MS

If MS becomes progressive, movements might become shaky as the patient experiences loss of muscle control. Weakened muscles may contract or spasm into painful cramps. Walking may become harder so that assistance in needed for ambulation. Speech may become slurred, memory can be affected, and fatigue is a common problem among MS sufferers. The treatments today have made a huge impact in slowing down the progression of MS so that for many people with multiple sclerosis, these more serious symptoms are never experienced.

MS Treatments

Medications such as Avonex and Rebif (beta interferons), Copaxone (glatiramer), and Tysabri (natalizumab) help a large percentage of people with Relapsing-Remitting MS to lead stable and productive lives. Corticosteroids are sometimes used to relieve flare ups, and a number of other medications can be used to increase flexibility, ease pain and treat other symptoms. Life insurance underwriters for companies that are “Multiple Sclerosis friendly” are happy to see favorable treatments and more likely to approve at a better rate when a successful treatment plan is in place.

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