Insurance is one of the areas where life likes to kick us when we’re down.
As others have said, you have to give insurers the whole story, even though any ghost of a hint of a neurological problem will make things difficult, that’s for sure.
Some people are ‘lucky’ enough to have a degree of live cover and critical illness cover already through their pension scheme in the form of death-in-service lump sums and ill-health-retirement provisions. This may be the best route of securing such things if you are an individual with neuro problems. That’s great if you are in a good job with a good pension scheme already. If not, the barriers to getting into this fortunate position when one is already ill are too obvious to need mentioning.
One route that married MS-ers take, in the absence of better ideas, is to regard themselves as basically uninsurable, and to look at the cover thing as a partnership rather than as an individual, concentrating on making sure that the healthy partner is well-insured.
If you do manage to get quotes for the cover you want, without the exclusions being so extensive that the thing isn’t worth the paper it is printed on, please do think carefully before commiting yourself to paying very high premiums if these would have a real impact on your standard of living. Whether this kind of cover is worth it is always going to be a matter of weighing up costs and benefits. There comes a point beyond which the costs become too high to represent acceptable value for money for you. Remember that the insurers are not doing this as a hobby - and if you are already in the ‘avoid’ category - which I’m afraid you are! - it is very much a seller’s market.