Multiple sclerosis affects the nerves all over the body but mainly the nerves in the brain and spinal cord. This will cause symptoms including problems with balance, muscle movement and vision.

The main issues/worries with MS are;

• Fatigue- Feeling very tired
• Ataxia- Problems with balancing and co ordination
• Loss of vision (this will usually occur in the one eye)
• Spasticity- Muscle stiffness which can cause uncontrolled muscle movements

These can all lead to some serious health problems one way or another.

A life insurance policy will cover you and your loved ones should anything happen to you. If you are in a vulnerable position and you are at a higher health risk due to a condition or an illness, a life insurance policy can give you peace of mind. The policy will ensure your bills, debts and your mortgage payments are covered whilst financially safeguarding your loved ones.

We may require a medical examination and information from your GP and this is done to ensure nothing is missed. We can then give you a policy with the full understanding of your condition.

Life insurance is designed to protect you and your family financially if you were to die giving you comfort in the fact that your loved ones are cared for. If you were to pass away, a benefit amount would be paid to the beneficiaries known as the death benefit. This payment can either be released as a lump sum or as a monthly instalment, however you choose. It ensures your bills, debts and mortgage payments are all covered.

If you are in a position and your health is vulnerable due to a condition you may already have then there are additional benefits available to ensure you are fully covered.

There are many features that are associated with this policy:

• The death benefit- A benefit amount will be paid to the beneficiaries if you were to pass away which would help your loved ones financially after your gone. This would help cover your bills, debts and your mortgage, ensuring your family are not left struggling financially.
• Various additions available to ensure you have the right coverage to suit your needs. Additions and options are available to you to make sure you have the best cover that reflects your circumstances.
• Flexible policy- If a benefit amount were to be paid to the beneficiaries, you can decide whether they receive the payment as a lump sum or as a monthly instalment.

There are a range of benefits with this cover:

• Peace of mind for you, to know that your family and loved ones would be financially protected if you were to pass away.
• We will do our utmost to get you the policy you need within your budget.
• A range of benefit options available to make certain you are fully covered.