I haven't tried to apply for life insurance, basically because no one is dependent upon my financial contributions.  The NMSS has this to say about applying for life insurance and recommend that you call your local chapter for recommendations on insurance agents in your area.

I read these excellent recommendations on a different website:

• Find out which life insurance companies are familiar with Multiple Sclerosis and may offer the lowest premiums.
• Consider decreasing your life insurance policies face amount so you are more likely to be accepted
• Apply for life insurance when your Multiple Sclerosis is in remission. Your insurability improves after longer periods of good health.
• Have regular physicals and doctor checkups. People with regular medical supervision may be rated higher, especially if there are good remarks in the doctors notes.
• Keep or get a job that offers group life insurance. An applicant's ability to maintain the same job is also an important factor in obtaining individual life insurance.
• Avoid smoking of any other dependencies, that will just compound your un-insurability
• Find out if your doctor is able to communicate with the underwriting department of the life insurance company. He might be able to eliminate an outright rejection.

On another website discussing life insurance underwriting I read this:

     The rating for MS depends on how long ago the diagnosis was made and the degree of disability. No symptoms or disability, one year or more after diagnosis may be Table B or C. Moderate disability, but able to walk may be Table D to F. More severe disability may be Table H or higher, or even uninsurable.

Keep trying.  The premiums may be higher, but folks with MS who have less disability and are in excellent health should be able to obtain life insurance.

karen

6/ 1/10 9:13pm

Thanks for the good advice. Its so great to beable to ask others who know what im talking about MS questions.