Life insurance for Multiple Sclerosis

So, you’ve been told that your loved one doesn’t qualify for life insurance because he or she has Multiple Sclerosis

In Indiana and Ohio our agency provides affordable life insurance coverage for our clients with MS. And it couldn’t be easier to qualify because the application only has one health question…

“Are you currently confined to a hospital or hospice, or have you been told by a medical practitioner that you have a terminal illness?” If you answered “no,” keep reading.

This plan guarantees anyone aged 5 to 80 the opportunity to purchase up to $25,000 of permanent whole life protection by answering one simple health question. No medical information or exam is required. The death benefit in years one to three is limited to a return of premiums paid in the first year, 50% in the second year and 100% in the third year and thereafter. The full face amount of the policy is payable in all years in case of accidental death.

Features

  • NO medical or physical exam – only one (1) health question
  • Premium is fully-paid in 20 years
  • Policy builds cash value
  • Provides a $10,000 or $25,000 benefit for accidental death

Rates

Graded Death Benefit
Indiana & Ohio Whole Life Insurance Policy
20-Year Pay
INDIANA & OHIO
(Smoker & Non-Smoker)
Premium Rates *
  $10,000 Benefit $25,000 Benefit
  Male Female Male Female
Age Monthly Quarterly Monthly Quarterly Monthly Quarterly Monthly Quarterly
EFT ** EFT ** EFT ** EFT **
- For ages younger than 18, please visit this page -
18 $19.57 $59.60 $13.86 $42.21 $45.00 $137.07 $30.73 $93.61
19 19.98 60.87 14.15 43.12 46.04 140.25 31.47 95.86
20 20.42 62.20 14.46 44.04 47.13 143.56 32.23 98.18
21 20.87 63.57 14.76 44.97 48.26 147.01 32.99 100.50
22 21.32 64.95 15.08 45.92 49.39 150.45 33.78 102.89
23 21.80 66.41 15.41 46.93 50.59 154.10 34.60 105.40
24 22.29 67.89 15.74 47.94 51.81 157.81 35.43 107.92
25 22.79 69.40 16.08 48.97 53.05 161.58 36.28 110.51
26 23.34 71.10 16.63 50.67 54.44 165.82 37.67 114.75
27 23.92 72.85 17.21 52.42 55.88 170.20 39.11 119.12
28 24.52 74.68 17.80 54.22 57.38 174.77 40.59 123.62
29 25.14 76.59 18.43 56.13 58.94 179.54 42.15 128.39
30 25.80 78.57 19.08 58.11 60.57 184.51 43.78 133.36
31 26.47 80.61 19.76 60.18 62.25 189.61 45.48 138.53
32 27.17 82.76 20.46 62.33 64.01 194.97 47.24 143.90
33 27.90 84.99 21.19 64.55 65.84 200.54 49.07 149.46
34 28.65 87.26 21.95 66.86 67.71 206.24 50.96 155.22
35 29.43 89.65 22.74 69.27 69.67 212.20 52.94 161.25
36 30.64 93.33 23.58 71.82 72.69 221.41 55.03 167.61
37 31.91 97.20 24.46 74.49 75.86 231.08 57.22 174.30
38 33.23 101.23 25.37 77.27 79.17 241.15 59.51 181.26
39 34.62 105.44 26.33 80.19 82.63 251.68 61.90 188.55
40 36.07 109.87 27.32 83.21 86.26 262.75 64.38 196.10
41 37.58 114.45 28.36 86.39 90.02 274.21 66.99 204.05
42 39.16 119.28 29.45 89.70 93.98 286.27 69.71 212.33
43 40.80 124.29 30.59 93.17 98.09 298.79 72.56 221.01
44 42.52 129.51 31.78 96.80 102.38 311.84 75.54 230.09
45 44.31 134.96 33.02 100.57 106.86 325.49 78.63 239.49

* Rates are current for 2009 and subject to change without notice. This page and illustrations provided are for summary purposes only and contain a general outline of coverages provided. This is not a contract or policy. For a complete and detailed description of coverages and exclusions, refer to the policy forms.

** Monthly (EFT) – Bank draft from a checking account on the same day each month.

(Indiana & Ohio Residents Only)

For more information, please send an
email to Dave MacDonald or call us:
Toll-free: (877) 341-5377
Local: (260) 422-5377

 

Call us today: (260) 422-5377 or
(877) 341-5377 (toll-free)

 

Multiple Sclerosis Research News — ScienceDaily

Information on multiple sclerosis. Read current research articles and learn about multiple sclerosis diagnosis, symptoms as well as the latest MS treatment options.
Help for people with muscle cramps?
Wednesday February 18th, 2015 09:55:57 PM

A new treatment may bring hope for people who suffer from muscle cramps or spasms from neuromuscular disorders, diseases such as multiple sclerosis or simply from nighttime leg cramps that keep people from sleeping, according to a new study.
MS drug Tysabri shows promise in efforts to combat HIV's 'viral reservoirs'
Wednesday February 18th, 2015 05:36:17 PM

A drug now used to treat Crohn's disease and multiple sclerosis has shown effectiveness in lab experiments in blocking viral reservoirs, which have been tied to illnesses that afflict people living with HIV, biologists report.
Multiple sclerosis: New drug target discovered
Tuesday February 17th, 2015 04:44:28 PM

A promising new approach to treat multiple sclerosis has been discovered by scientists. Multiple sclerosis (MS) is a progressive, often disabling neurological disease, which is most often diagnosed among young adults between the ages of 15 and 40. While the exact cause of MS is unknown, the body's immune response is involved, and is the target of all current medications used in treatment. These medications do not cure the illness, but they do help alleviate symptoms and slow the progression of the disease.
Scientists uncover marvel molecule that could lead to treatments for inflammatory diseases
Monday February 16th, 2015 06:11:19 PM

Scientists have uncovered a marvel molecule that blocks a key driver of inflammatory diseases. The finding could meet a major unmet clinical need by inspiring new non-invasive treatments for arthritis, multiple sclerosis and Muckle-Wells syndrome, among a myriad of other inflammatory diseases.
Stem cell transplants may work better than existing drug for severe multiple sclerosis
Wednesday February 11th, 2015 09:08:42 PM

Stem cell transplants may be more effective than the drug mitoxantrone for people with severe cases of multiple sclerosis (MS), according to a new study.
Key pathways underlying different subsets of systemic sclerosis discovered
Tuesday February 10th, 2015 06:04:56 PM

Sorting out patients with systemic sclerosis (SSc) according to their shared biology, researchers discovered how disease heterogeneity can be defined, allowing for targeted selection of patients for clinical trials.
Multiple sclerosis: pathological progression of disease documented
Monday February 9th, 2015 01:35:09 PM

Scientist have documented the pathological progress of the disease from its early to late stage and also shown that inflammatory and neurodegenerative processes have a role to play. This raises the possibility of new treatment options.