WESTMONT, Illinois (March 27, 2026) – LifeQuotes.com, the online life insurance price comparison
service that offers instant quotes from 50 highly-rated life insurers, today released the results of a new
life insurance market survey that reveals the best life insurance rates available for Multiple Sclerosis
(MS) patients.
“In honor of MS Awareness Month, we believe we have good news for the 1 million Americans who
have MS,” said LifeQuotes.com Vice President, Michelle Zieba. “Depending upon the stage of the
disease, we’re now able to give accurate, instant quotes to MS patients.”
Multiple Sclerosis is the most common disabling neurological disease seen in young adults. According
to the National Multiple Sclerosis Society, MS is an “unpredictable, often disabling disease of the
central nervous system that disrupts the flow of information between the brain and body.” With MS,
the immune system mistakenly attacks myelin, a fatty substance that protects nerve fibers called
axons. The axons’ protective coverings become covered in lesions and nerve fibers are exposed,
resulting in pain, tingling, and sensation loss (National Institute of Neurological Disorders, 2023).
According to the Atlas of MS, more than 1 million Americans are living with a diagnosis of MS, which
occurs in most ethnic groups. Recent studies show that Hispanic/Latinx and Black people living with
MS may face a more aggressive form of the disease.
Zieba continued, “Every MS patient has a journey of varying symptoms that can create anxiety.
Knowing that life insurance may be available at highly affordable rates can reduce the burden of
financial planning and family security.”
The charts below reveal the best possible monthly rates for consumers with MS for the best-selling
20-year level term life policy, which covers death by any cause, at any time, in any place, except for
suicide within the first two policy years (one year in some states). Beneficiaries received benefits taxfree. Other rate guarantees such as 10, 15, 25, 30-year and level-for-life are 6vailable at
www.lifequotes.com.
Some sample rates shown offer a possible instant decision with no medical exam required. These
plans are renewable, without evidence of insurability, to age 90+. Some are convertible to permanent
insurance without having to undergo further underwriting.
| FEMALE MONTHLY RATES (20-YEAR TERM) | ||||
|---|---|---|---|---|
| Age | $100,000 | $250,000 | $500,000 | $1 Million |
| 25–30 | $13 | $22 | $28 | $46 |
| 35 | $13 | $23 | $31 | $54 |
| 40 | $15 | $24 | $42 | $77 |
| 45 | $21 | $36 | $64 | $120 |
| 50 | $28 | $51 | $96 | $179 |
| 55 | $40 | $77 | $145 | $282 |
| 60 | $65 | $131 | $254 | $469 |
| 65 | $115 | $229 | $451 | $870 |
| MALE MONTHLY RATES (20-YEAR TERM) | ||||
|---|---|---|---|---|
| Age | $100,000 | $250,000 | $500,000 | $1 Million |
| 25–30 | $14 | $25 | $34 | $57 |
| 35 | $15 | $23 | $38 | $70 |
| 40 | $18 | $30 | $54 | $98 |
| 45 | $25 | $46 | $86 | $155 |
| 50 | $37 | $67 | $127 | $243 |
| 55 | $54 | $111 | $215 | $416 |
| 60 | $89 | $182 | $354 | $699 |
| 65 | $155 | $358 | $706 | $1,343 |
Continued Zieba, “After receiving initial quotes, our MS customers will then be advised by our life
insurance experts as to which plan is best depending upon their personal circumstances. Refined
quotes are then texted to the customer during the initial consultation call. For applicants who have
been in remission for several years, it’s often possible to skip the paramedical visit and receive instant
decision underwriting.”
MS affects people differently. Most patients will experience short periods of symptoms followed by
long stretches of remission, while others have a progressively worsening condition that results in
disability. A small number of people with Multiple Sclerosis experience very mild symptoms and little
to no disability. Speak to one of our licensed financial professionals to discuss rates offered for
different severities of MS at (800) 556-9393.
Multiple Sclerosis Leads to Shortened Life Expectancy
According to the Journal of Neurology, Neurosurgery and Psychiatry, research indicates that there is,
on average, a 7-year shorter life expectancy with MS. The mortality rate observed with MS over a 60-
year research period was nearly three times that of the general population.
The Journal of Clinical Neurology reports that approximately 1 in every 300 people in the United
States are living with Multiple Sclerosis. In 2019, there were 59,345 reported incidences of MS and
22,439 Multiple Sclerosis-related deaths worldwide.
Research suggests that risk of MS incidence peaks between the ages of 30-39, while severity of
disability peaks between 50-59 years of age (Front Public Health, 2023). While age, gender, and
comorbidity may be influencing factors, The Journal of Clinical Epidemiology found a median survival
time of 27 years after diagnosis of Multiple Sclerosis. The wide spectrum of MS severities and their
varying effects on mortality highlight the importance of shopping around and choosing to work with a
knowledgeable agency that represents many insurers. Shop instant rates from 50 carriers at
www.lifequotes.com.
Recent Success Stories
A diagnosis of Multiple Sclerosis does not mean affordable life insurance is unattainable. Below are
some recent examples of satisfied customers who have a history of MS:
- Ryan H. of Phoenix, AZ, MS patient diagnosed in 1999 with the most recent episode in 2015,
age 44, was able to buy a $250,000 policy for $726 per year. - Jessica C. of North Pole, AK, MS patient with current minimal residual impairment affecting
balance, age 45 with a history of hypertension, was able to buy a $100,000 policy for $606 per
year. - William B. of Bayville, NJ, MS patient with current moderate residual impairment, age 66,
history of hypertension, was able to buy a $15,000 Whole Life policy for $1,268 per year. - Tyler L. of Spring, TX, MS patient with no attacks in the last 10 years, age 45, was able to buy
a $1 million policy for $3,035 per year.
Zieba offered this advice to those with MS who are shopping for life insurance, “MS patients can do a
lot to prepare to buy life insurance. Know your date of initial diagnosis, any treatments received, and
have a list of your prescriptions and doctors ready. Our illustrations list each plan’s acceptance
guidelines, so expect to spend a few minutes with our salaried agents on which plan best fits your
health profile and budget. These steps will ensure you get the lowest-possible pricing.”
Instant life insurance quotes for those with Multiple Sclerosis of all severities are available at
www.lifequotes.com. Customers can now quote anonymously and buy online in total privacy or obtain
personalized service and advice from our licensed phone agents.
Survey Methodology
Life insurance policies described, quoted, shown and illustrated throughout this press release may not
be available in all states. Policies examined include: Banner Life Insurance Company, Urbana, MD
and William Penn Life Insurance Company, Garden City, NY, policy form ICC12OPTN with state
variations; Corebridge Financial, Houston, TX, policy form 07007 or state variation, affiliate of AIG
Direct Insurance Services; The Lincoln National Life Insurance Company, Fort Wayne, IN, policy form
TRM5065 or state variation, affiliate of Lincoln National Corporation, whose marketing name is Lincoln
Financial Group; John Hancock Life Insurance Company (U.S.A) of Boston, MA 02117, on policy form
number ICC16 2016TERM and John Hancock Life Insurance Company of New York, Valhalla, NY Pacific Life Insurance Company of Newport Beach, CA, policy form P16LYT or ICC 16
P16LYT. North American Company for Life & Health Insurance, West Des Moines, IA, policy form
series LS174 or state variation; Protective Life and Annuity, Birmingham, AL, policy form UL-17 or
state variation; Pruco Life Insurance Company of New Jersey, Newark, NJ, policy form PLTIC-2008,
member companies of Prudential Financial, Inc., Newark, NJ; Symetra Life Insurance company,
Bellevue WA, policy form ICC20_LC1; The Savings Bank Mutual Life Insurance Company of
Massachusetts, Woburn, MA, policy form series #B-56 (SBLI and The No Nonsense Life Insurance
Company are registered trademarks of The Savings Bank Mutual Life Insurance Company of
Massachusetts; Transamerica Life Insurance Company, Cedar Rapids, IA, policy form 1-306 16-107,
1-305 16-107, 1-304 16-107, 1-303 16-107, and 1-334 16-107, an AEGON company; United of
Omaha Life Insurance Company, Omaha, NE, policy form LAP1099, a Mutual of Omaha affiliate
company.
About Life Quotes, Inc.
LifeQuotes.com, a unit of Keystone Agency Partners, operates an Internet-based insurance exchange
for consumers at www.lifequotes.com. The company’s proprietary technology provides instant quotes
and illustrations from 50 leading life insurers and enables a quick, paperless purchase process.
LifeQuotes also provides quotes for auto, home, disability, dental, critical illness, and Medicare supplement plans. The company also provides co-branded life insurance technology and fulfillment
services to insurance companies, financial institutions, banks, credit unions, property & casualty
agencies, trade associations and other affinity groups with large customer bases. More than 400,000
people have purchased policies through LifeQuotes.com since the firm’s founding in 1984. Visit
www.lifequotes.com for more information or to experience the life insurance quoting experience
online.
