@NicolaJinks 

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NicolaJinks

Life insurance

Hey all, I have just been diagnosed with very early RRMS. It hasn't really affected me physically as of yet but I keep getting adverts on my social media about thinking about life insurance. It is also all targeted at MS. My question to all of you is do you think it is something I should look into just now? Do any of you have it and recommend specific companies? Thanks in advance, Nicola
@wjgregg

Dear @nicholajinks, Life insurance is definitely something you should look at. Do make sure you tell the company providing that you have Multiple Sclerosis (or they will doubtless try to avoid paying out, says the cynic). Make sure you set a few quotes as well, from reputable companies. Don't just jump at the first offer. It always pays to shop around for things like this. Best wishes with the search. Jon

@ItsMewithMS

I'm not a big fan of Life Insurance but rather not having any debt or obligations around upon my death. After we pulled from debt we built a house with that equity that I could continue to live in if/when my MS progressed. In this house I can live on one level if needed, can easily get out into a front and back yard, it has a bathroom that is well designed with a zero entry shower and separate tub that I can soak in quickly to either get warm or cool down. Once established in this new house in the country I have managed to find a new job with a reasonable commute so I should have enough time to maintain my PT and diet. I was also pleased to see the disability insurance policies available and that concerns me more than life insurance although it is documented our life span is about 7 years less. But I look at my mom (Parkinson's) and my dad (MDS) and their life was cut short by other diseases so none of us are promised how long we will be here ;-) I look at all my dad paid into life insurance through his life and the $7k payment we finally wrestled out of them at the end that only covered a fraction of his funeral and closing bills. It kind of confirmed that putting money aside personally into an account for this purpose is likely a better investment. JMHO MS isn't the type of disease (like a cancer) with an imminent death so I feel better about good health insurance and disability insurance.