When our old life insurance was coming to an end after already running for 25 years I was very worried that I wouldn’t be able to get a new policy anywhere, but I was fairly happy with quotes I was getting back. I was diagnosed about 12 months before the old policy expired so started contacting other companies for quotes. Amazingly the issue I found that initially held us back was my high blood pressure, not the MS. I had to have a basic medical carried out by my GP, paid for by the insurance company, they took urine samples, blood pressure, weight & height, and that was about it. Nothing about the MS was mentioned. The insurance company wanted to know what meds I was on for the MS and high blood pressure and that was it. They contacted me about a month later and offered a policy. We had an option of how much cover we wanted and how many years to take it over. The premium did go up a bit but not a silly amount, but when I asked if this was because of the MS they said no, it was the high blood pressure that pushed the premium up. We didn’t need to go to a specialist insurance company, which I think just explode their prices by taking advantage of the situation. In fact if I recall correctly when we first started looking I was put in touch with a broker from one of the MS sites, he came back with ridiculous prices, so we decided to ring round ourselves. Best decision we made. As our mortgage was finished, and our son was grown up and working we decided not to take out a huge policy, just a back up sort of idea. It’s something like £50000 cover for £30 per month over 25 years. So if you take into account our ages, 51 at the time of taking the policy out, and medical history I don’t think that’s bad at all.