Aubagio and Life Insurance: IUL & GUL Options in 2026

You take Aubagio because your doctor prescribed it to manage multiple sclerosis. Now you are wondering whether that prescription will block you from getting permanent life insurance. The short answer is that coverage is absolutely possible, and the right policy type can make a meaningful difference in both cost and long term value.

Does Aubagio Affect Life Insurance Underwriting?

Yes, Aubagio does factor into the underwriting process, but probably not in the way you expect. Underwriters are far more interested in the underlying condition (multiple sclerosis) than in the specific medication you take to manage it. In fact, being on a disease modifying therapy like Aubagio often signals that you are actively treating your MS under a doctor’s supervision, which carriers view favorably.

The key factors underwriters evaluate include the stability of your MS over time, the frequency and severity of relapses, your overall functional ability, and how long you have been on treatment. A well managed case with consistent medication use and minimal progression tells the carrier you are a responsible applicant who takes your health seriously.

What Underwriters Actually Look At

When we help clients who take Aubagio, the conversation always goes deeper than just the prescription bottle. Underwriters want to see the full picture of your neurological health.

• How long ago you were diagnosed with MS
• Whether your MS is relapsing remitting, secondary progressive, or another form
• The number and severity of relapses in the past several years
• Your current level of daily functioning and mobility
• Any additional medications or treatments alongside Aubagio
• Recent MRI results showing disease activity or stability

Someone diagnosed five years ago with stable relapsing remitting MS and no recent relapses will receive very different consideration than someone with frequent flares or progressive disability. The medication itself is just one data point in a much larger medical story.

Aubagio and IUL (Indexed Universal Life) Policies

Indexed universal life insurance ties your cash value growth to the performance of a market index while protecting you from market losses with a guaranteed floor. For someone managing MS with Aubagio, an IUL policy can offer both a permanent death benefit and a cash value component that grows over time.

IUL works well for applicants who want flexibility. You can adjust your premium payments within certain limits, and the cash value accumulation provides a financial resource you can access during your lifetime. Many of our clients with chronic conditions appreciate knowing their policy builds value beyond just the death benefit.

The underwriting for IUL policies varies significantly from one carrier to the next. Some carriers are far more comfortable insuring applicants with well managed MS, while others apply heavy rating increases or decline coverage altogether. This is where working with the right agency matters enormously.

Aubagio and GUL (Guaranteed Universal Life) Policies

Guaranteed universal life insurance offers a permanent death benefit with premiums that stay level for life, often at a lower cost than traditional whole life. GUL is designed primarily as a protection tool rather than a cash accumulation vehicle.

For someone taking Aubagio, GUL can be an excellent fit if your primary goal is making sure your family has a guaranteed payout no matter when you pass. The premiums are predictable, the death benefit is locked in, and you do not need to worry about market performance affecting your coverage.

Some carriers that might rate you heavily for an IUL policy may offer more competitive GUL rates, or the reverse may be true. Each carrier uses its own underwriting guidelines for neurological conditions, which means the difference between a good rate and an unaffordable one often comes down to which company your application lands with.

Why an Independent Agency Makes the Difference

This is where Insurance By Heroes stands apart. We were founded by a former first responder and military spouse, and every member of our team comes from a background in public service. That service first mindset drives how we approach every client’s case, regardless of your background or health history.

As an independent agency, we are not tied to a single carrier. We work with many different insurance companies, each with its own underwriting philosophy around medications like Aubagio and conditions like MS. When one carrier says no or offers an expensive rating, we already know which other carriers to approach for a better outcome.

We have seen firsthand how two carriers can look at the same MS diagnosis and Aubagio prescription and come back with wildly different offers. One might add a significant rating to your premium while another offers a much more competitive rate. Having access to multiple carriers and knowing which ones view your situation most favorably is the advantage that changes your bottom line.

Tips for the Best Possible Outcome

Getting the most affordable IUL or GUL policy while taking Aubagio comes down to preparation and presentation.

• Gather your medical records before applying, especially recent neurology visits and MRI results showing stability
• Be completely honest about your diagnosis, medication, and symptom history
• Highlight periods of stability and remission on your application
• Make sure your neurologist’s notes reflect your current functional status accurately
• Do not stop or change your medication before applying, as consistent treatment history works in your favor
• Work with an agent who understands MS underwriting and knows which carriers are most favorable

Many people assume they will be automatically declined for life insurance because they take a medication for MS. That fear keeps too many families unprotected. The reality is that carriers approve applicants with MS regularly, especially those with stable, well managed cases.

Common Myths About Aubagio and Life Insurance

“I will be declined automatically.” This is the most common fear we hear, and it is simply not true for most applicants. Carriers evaluate the whole person, not just one prescription.

“I should stop taking Aubagio before I apply.” The opposite is true. Consistent treatment shows underwriters you are managing your condition responsibly. Gaps in treatment actually raise more red flags.

“All carriers treat MS the same way.” Every insurance company has its own underwriting guidelines. The difference in premiums and approval odds between carriers can be dramatic, which is exactly why working with an independent agency matters.

“I can only get term insurance.” Permanent options like IUL and GUL are available for MS patients. The right carrier and policy structure can provide lifelong coverage with features that term policies simply cannot offer.

FAQ

Can I get life insurance if I take Aubagio?

Yes. Many carriers offer life insurance to applicants who take Aubagio for multiple sclerosis. Your approval and rate class will depend on the stability of your condition, your overall health, and which carrier reviews your application.

Does Aubagio increase life insurance rates?

The medication itself is not the main driver of your rates. Underwriters focus on your MS diagnosis, disease progression, and overall health profile. Well managed MS with stable medication use often qualifies for better rates than many applicants expect.

Should I apply for IUL or GUL with MS?

It depends on your goals. GUL provides guaranteed lifetime coverage at a predictable cost, while IUL adds a cash value growth component with more flexibility. An independent agent can help you compare both options based on your health profile and financial priorities.

How do I find the best carrier for my situation?

Working with an independent agency like Insurance By Heroes gives you access to many carriers at once. We evaluate which companies have the most favorable underwriting guidelines for MS and Aubagio, saving you the frustration of applying to the wrong carrier and getting declined or overcharged.

Protecting your family is one of the most meaningful things you can do, and a diagnosis of MS does not have to stand in the way. If you are ready to explore IUL or GUL options while taking Aubagio, reach out to our team for a personalized quote. We will find the carrier that fits your situation best.