08 Sep M.S. and Life Insurance… A Case Study
M.S. and Life Insurance… A Case Study
When it comes to life insurance and M.S. there are several things that the underwriter will look at…
Here are a couple life insurance case studies that you might find interesting…
Applicant 1 – a 50 year old that had relapsing remitting multiple sclerosis diagnosed twelve years ago, had not had an episode in the past ten years, has no symptoms, a normal neurologic examination, and had a favorable follow up with the neurologist two months ago… (This would be considered as “benign” multiple sclerosis. This case can be Standard Plus.)
Applicant 2 – a 35 year old who had relapsing remitting multiple sclerosis diagnosed five years ago, has had one episode per year, has been in remission for the past ten months, has a normal neurologic examination, and has no disability and no symptoms… (This case can be Two Tables.)
Applicant 3 – a 30 year old who had progressive relapsing multiple sclerosis diagnosed two years ago, is wheelchair bound, taking natalizumab, and who was recently hospitalized with an exacerbation and received intravenous corticosteroids. (This case is a decline)
For those that have multiple sclerosis there are several variables that will be considered when it comes to obtaining life insurance. Of the different typles of life insurance, term life is the most inexpensive way to go…
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