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MS & Life Insurance FAQs

What does life insurance cover?

Most life insurance policies are designed to pay a lump sum to your loved ones if you die while covered by the policy. This is to ease pressure on your family financially and provide support for childcare costs, household bills or mortgage payments.

Do I have to make a decision on the first call?

No. Never.

This is one of our core values to never ‘sell’ to someone and never ask them to decide on the first call.

We train all our advisors to this standard and will always allow you the time and space to decide in your own time.

How much will Life Insurance cost me with MS?

This is completely down you. There are no set premiums as it’s based on how much cover you need and your personal circumstances. It is likely that you will pay more than someone without diabetes, however it is our job to get you the lowest premium possible.

The average premium according to MoneySuperMarket is £15.85, however this can vary from age groups and health factors.

Can I make changes to my policy?

Yes you can, without any penalties or charges. We will even keep in contact with you to review the policy if your situation changes or we can find you a better deal.

How quickly can I get covered?

Because you have MS, in a lot of cases the insurance company will want to write to your GP first, so this can take a few weeks. However, depending on what type of MS you have and the control, insurance companies will make decisions within 24 hours. 

Do you charge any upfront advice fees?

No. Insurance advisors don’t charge upfront fees. You will only ever pay your monthly direct debit.

Life Insurance For MS

More Than Money advice
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