Primary Progressive MS life insurance [2025 Guide]

Home
Life insurance
Medical conditions
Primary progressive MS life insurance

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.

Compare Life Insurance » Secure Quotes

Life insurance & 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 could 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.

£ -

Your total cover estimate

£ 0

Let us find you our best quotes.

Compare Quotes »

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