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Life Insurance if on Disability [Find the Best Products and Rates]

Can someone with a disability get life insurance? The short and sweet answer is yes, life insurance is available for persons with disabilities. However, there are a few things you should know before you embark on your journey to secure coverage.

When talking about securing coverage on disability, the question to be asked is “Who offers the best life insurance for those on disability?” The answer to this question will vary. Sometimes the right choice may even be a no medical exam life insurance company.

Life insurance for Disabled persons.

This article was written to to those who want life insurance if on disability but have been told that they can’t qualify for traditional term life or whole life insurance policies simply because they’re currently receiving disability benefits.

In most cases disabled persons will have been offered an accidental death policy or some type of guaranteed issue whole life product that is typically limited to about $25,000 in coverage. Now you are stuck in a policy you don’t want or you are scouring the internet for a way to buy life insurance if on disability.

Can you get life insurance on disability?

Or put another way, how do people with Social Security Disability insurance (SSDI) get life insurance? The truth is that most insurance companies will flat out refuse any applicant for a traditional fully underwritten term or whole life insurance policy that is currently receiving disability benefits. What isn’t discussed is that there is one highly rated, well known insurance carrier that will make an exception and approve an individual buying life insurance on disability if the cause of the disability:

  • Isn’t life threatening, and
  • the applicant would otherwise be considered healthy, absent the condition causing the disability.

Yes you read that correctly, life insurance for disabled individuals is available! Examples of such individuals that would qualify for life insurance if on disability would include but not limited to those suffering from:

  • Arthritis
  • Depression
  • Bipolar Disorder
  • Attention Deficit Hyperactivity Disorder
  • Anxiety Disorders
  • Pain Disorders
  • Blindness
  • Long Term Back Pain
  • Spine/joint Disorders
  • Dyslexia
  • Digestive System Disorders
  • Skin Conditions
  • Controlled Diabetes
  • Etc…etc…

As you can see, there are a lot of conditions that are generally not life threatening and would otherwise be acceptable to most insurance carriers if they were not paired with a disability claim. Which is why it makes sense that there is an insurance carrier that has chosen to be a leader in the industry and offer life insurance to those receiving disability benefits.

Why then is it a big secret?

That’s a tough question. It’s probably because these policies have a minimum value of $50,000 and a max value of $100,000. So needless to say, writing life insurance policies for those on disability isn’t a real “money maker” for most insurance agencies. Combine that with the fact that these smaller burial life insurance policies are still going to require a medical exam just like any other policy would (exams cost life insurance companies money) and you can see why many life insurance carriers (and the agencies who work for them) choose not to offer this option to their customers.

Since we at TermLife2Go already specialize in these harder to place cases, we know that when done right, helping those obtain life insurance on disability really isn’t that difficult or time consuming at all. In fact, we love helping individuals obtain life insurance who were previously told they could not qualify due to their disability because when we do, we typically gain a loyal client for life!

Life insurance for a disabled person

Often times we will receive a phone call asking “Can someone on disability get life insurance” or “Can I buy life insurance for someone on disability?” What is really being asked is, “Can I buy life insurance for my disabled _______ (fill in the blank, mom, dad, son, daughter, brother, sister, etc…)?”

The short answer is, YES!

The actual answer is a bit more complicated. The reality is, if you want to get life insurance on a disabled family member or significant other you can…with the help of the disabled individual. Because the disabled person will have to sign off on the life insurance for it to be official.

If you are disabled or are looking for life insurance for someone who is disabled, give TermLife2Go a call. We can help you find the most affordable life insurance on disability available. It is our job to know who the most disability friendly life insurance companies are. If you are currently receiving SSDI benefits and life insurance is a priority for you, please call us today.

For those who are currently having a difficult time getting approved for high risk life insurance, you may also want to read the following articles which focus on difficult to place insurance policies: 10 Great Final Expense Burial Insurance companies

About TermLife2Go

We’re looking for lifetime customers that will recommend their friends and family to us which is why we place customer satisfaction above all else.

So, what are you waiting for?  Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!


Because we’ve been doing this awhile here at TermLife2Go, we know that a lot of times when you’re on disability, you probably don’t have a ton of discretionary money laying around!

This is why…

We’ve chosen also to write an article The Best Money Making Apps to help those who may not be able to actually go to work every day find ways that they can make money from home, on their own time.

Now will you end up using this money to help finance a life insurance policy? 

Who knows, but our ultimate goal here at TermLife2Go is to help improve the financial security of our clients so it is our hope that this article and our Best Money Making Apps article helps you do this.

48 comments… add one
  • DeVaughn

    Hello I have a spinal cord injury from 2004 so I am a paraplegic wheelchair user other than that I have no other illnesses. I do receive ssd my income is over 800 plus monthly. How much insurance if approved Come I get?

    • TermLife2Go

      Hi DeVaughn,

      Thank you for reaching out about getting a life insurance quote while on disability. We’ll need some additional information from you in order to give you an accurate quote. You can give us a call at 888-234-8376 and one of our agents will be happy to assist you.

      Thank you!

  • Need life ins

    • TermLife2Go

      Hi Cierra,

      We’d be happy to help you to see if we can find a life insurance policy to fit your needs. Give us a call 888-234-8376.


  • Looking for life insurance/ burial…..25,000.00

    • Sounds good Joyce!

      We’ll have an agent reach out to you shortly so that we can provide you with an accurate quote.



  • laura

    Im 49 years old, I’ve had a mini stroke and I have other health problems I need some life insurance in case something happens to me.

    • Laura,

      We’ve asked an agent to reach out to you so that we may be able to determine exactly what “types” of life insurance policies you will be eligible for as well as give you some quotes if interested.



  • I am looking for life insurance everything is expensive that I’m looking at I’m only 44 I have heart failure and depression I can’t work I’m on disability I only bring in $731

    • Rachelle,

      With those types of pre-existing medical conditions, qualifying for a traditional term or whole life insurance policy will probably be impossible.

      That said, you may still qualify for a “guaranteed issue” life insurance policy provided that you live in a state where these are offered.

      So… when you get a chance, just give us a call and we’d be happy to explore what options may be available to you.



  • I want a quote

    • Sounds good, just give us a call so we know how much insurance you’re looking for as well as what kind of insurance you’ll be able to qualify for.



  • Shonetta C

    I would like for someone to contact me. Thank you

  • Deserae S

    I need to find life insurance for my husband that is on SSDI please feel free to Email or call me! your website is the first one I have found that says anything other than final expenses/burial plan is an option for us! I’d love to speak with you or find out what options someone on disability really can have to leave a little something for their family.

    • Deserae,

      We received your message and will have an agent reach out to you shortly.



  • william H

    Hi my name is William. I am currently on disability due to having a heart transplant recipient twelve years ago.In the years prior to the heart transplant and medication I am on I have had skin cancer twice and almost guaranteed to get it a third time.I also have a history of clots three to date.I am looking for a $40.000 dollar life insurance policy so I may leave my daughter something for her future and to be able to pay for final expanses. Thank you.

    • William,

      We will have one of our agents reach out to you shortly so that they can ask you just a few more questions.



  • Randy

    Looking for insurance for disable son on SSI phone # 1-620-XXX-XXXX.

    • Randy,

      We’ll have one of our agents reach out to you. In the meantime, you can always give us a call and we’ll do our best to help your son out.



  • George J

    I’m currently having a hard time getting life insurance. I receive disability due to a back injury. Is there anyway to find insurance with being a 55 year old man that receive disability benefits??

    • George,

      It’s possible that you may be eligible for a few different types of life insurance policies, we would just need to ask you a few questions before we would know for sure!

      So… just give us a call when you have a chance and we’ll do our best to help you out.



  • I’m​looking for a$20,000 policy. I receive SSI. I have scoliosis and have had 2 back surgeries​. I will never be able to work again.

    • Rhonda,

      We do help folks on SSI qualify for life insurance. That being said however, we would need to know how old you are and how much life insurance you are seeking.

      Why don’t you just give us a call when you have a chance and we’ll do our best to help you out.



  • Molly Black

    so then i guess we had a fast talking salesman who even knowing I am a 55 yr old woman collecting SS for an accident 2.5 yrs ago. Your site states had I not had the accident/illness would I still be working. Of course. However, this salesman said he could get me term life for 20 yrs for $350K even on SSDI…no way I thought. He told us it was thru Ameritas…being skeptical I called Allstate who has our vehicles insured and he told me almost what you stated. I could get a 25k guarenteed policy. And that perhaps he is trying to get my policy in w/o stating the SS issue in hopes it passes the 2 year mark and I am still alive. Allstate said if i passed away b4 the 2 yrs and they found i was on SS my husband would get nothing. Now I am super skeptical. True my husband needs 500K but i just want the most i can get being “disabled” and on SSDI

    • Molly,

      After reading your comment, we’re not 100% sure what your question is.

      It sounds like you may have had an agent who suggest that you may be eligible for a product that you yourself do not believe you will be eligible for. Now if this is the case, we would recommend that you just give us a call so we learn a little bit more about your situation and see if this is actually the situation.

      Now if it does turn out that you will not be eligible for a traditional term or whole life insurance product that would ask medical questions and potentially require that you take a medical exam, there are many other “guaranteed” issue products that you will be eligible for (provided you’re over the age of 40).

      As you know, these policies will generally be limited to 25K in coverage and will contain Graded Death Benefit clauses which will require the insured to live at least 2 years after the policy begins before it will cover “natural causes” of death.

      For more information please visit our article focusing on final expense policies:




  • Precious j

    My son is 21yrs old and has mental retardation, will he get covered? Its a shame people like him are denied so often!

  • Annis mount

    Just want a quote.

    • Annis,

      There are a lot of factors that go into getting a quote, now if you know what rate class you will qualify for, you can simply use our online quoter and you’ll received several quotes instantly.

      If you aren’t sure what rate class you would qualify for, we would suggest that you just give us a call and we’ll do our best to help you out.



  • Gwen morgan

    If I am able to get life insurance, is this policy only going to cover accidental death? Does it cover illness or death by illness? If I would have died within the next year by accident or natural causes would my policy payout? There seems to be a lot of information out there stating that I would not be eligible for any of the above. My disability is based on chronic pain and I know that makes a difference. I receive SSDI.

    • Gwen,

      You have a lot of questions here which is why it would be best if you just gave us a call so that we can see what you can qualify for. As for what a policy will and won’t cover, that will ultimately depend on what type of policy you end up qualifying for and purchasing.

      We’ll do our best to explain everything as we go so that if you do decide to purchase a policy, you’ll know exactly what you’re getting.



  • I’m looking for life insurance so that my 18 year old and 2 year old granddaughter have something to start off on in the event of my death. I have chronic back and anxiety problems that caused me to be disabled but my kids shouldn’t have nothing but 235 the gov’t gives when you die. I want them to have something to start off with. Om looking for 100,000 dollars so they have a start at a future not be a welfare case.

    • Dawn,

      It sounds like you have all the reasons in the world to consider purchasing a life insurance policy, but without understanding more about your particular situation, we wouldn’t know for sure what types of life insurance policies you may or may not be able to qualify for.

      So… Why don’t you just give us a call when you have a moment and we’ll be happy to review your options with you.



  • I have been searching to get life insurance for my husband he have coronary heart disease n he is on dissibility everbody have turn him down we need help in finding him insurance.

    • Marcella,

      We would need to know which insurance companies you’ve already applied with before we could make any predictions on whether or not we might have a solution for you.


      Why don’t you just give us a call when you have a chance and we’ll take a look. If we don’t have any traditional term or whole life insurance options, we’ll also provide you with several “guaranteed issue” products that might be a suitable alternative.





    • Edward,

      It sounds like you would be a perfect candidate for what is called a “guaranteed issue” life insurance policy.

      We will have one of our agents reach out to you via email shortly.



  • Hi I am 46 disable can’t get life insurance it’s a shame we are human to don’t want my family to not have enough money to bury me Mary north hazard Kentucky

    • Mary,

      Depending on how much coverage you’re looking for, you may still be eligible for what is called a “guaranteed issue” life insurance policy.

      Why don’t you give us a call when you have a chance and we’ll see if we can help you out.



  • me and my wife are both disabled, and would like some help on if we would qualify for life insurance coverage, at a affordable price seeing that we both are on a fixed income, please e mail me back information, please, thank you

    • William,

      Why don’t you give us a call so that we can learn a little bit more about why you and your wife are on disability as well as what type of life insurance you’re looking for (final expense coverage vs term or whole life insurance).

      From there we should be able to give you an accurate idea on what you guy’s will be able to qualify for.


  • Laurie Riddle

    My husband is disabled due to a clotting disorder, is on SSD, has a policy in place already. He wants to take out another policy to make sure that me and my kids are taken care of. Is there a policy for disabled people like him?

    • Laurie,

      From what you’ve described, it sounds like a guaranteed issue product might be your best bet. Just give us a call and we’ll happily go over all of your options.



  • Val

    Can I get life insurance being on SSI

    • Val,

      It is possible to qualify for life insurance while receiving SSI disability benefits. Why don’t you give us a call so that we can determine if you’ll be one of those who can.



  • My husband and I were both injured and required spine surgery, and we both now have fusions of our spine ( which resolved the injury). This left us with a chronic pain diagnosis. I also am treated (successfully) for depression and anxiety, and my husband and I use an inhaler when we have flare=ups of our allergies. We desperately want to get whole life insurance at this point (we’re both 48). Do you have any possible answers for us??? Oh, my husband takes high blood pressure meds, but just lost a lot of weight and may be able to quit.Thank you, Terri Moran

    • Terri,

      For complicated medical cases like yours, we generally recommend that you just give us a call when you have an opportunity.

      We simply don’t want to provide you with any incorrect information simply because we don’t have an accurate assessment of our situation.



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