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Life Insurance While on Disability

Researcher & Writer
December 16, 2019

Can someone with a disability get life insurance? The short 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. Your options may be more limited and expensive than for those without disabilities, but that depends on your particular condition.

In many 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.

If you've been told you can’t qualify for traditional term life or whole life insurance policies simply because you’re currently receiving disability benefits, read on. We're going to break down which disabilities could put a snag in your life insurance application process—and your options for coverage.

Life insurance with a non-life-threatening disability

If you receive Social Security Disability Insurance (SSDI), you may still be able to get life insurance fairly easily. While many insurers will decline people with high-risk disabilities, you may easily buy coverage if you meet the following conditions:

  • Your condition isn’t life threatening
  • You would otherwise be considered healthy, absent the condition causing the disability.

Examples of such individuals that may easily qualify for life insurance if on disability could include people who are disabled due to one of the following conditions:

  • 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

For many insurers, these disabilities are a perfectly acceptable risk. Who offers the best life insurance for those on disability? That depends on your individual situation.

Some insurance companies specialize in providing the lowest rates for people with one of these conditions. If you have a disability, talk to a licensed, independent insurance agent who can tell you which insurers are known for covering people with your condition. Alternatively, use our quote tool to check out some options on your own.

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Life insurance with a life-threatening disability

While many of the above disabilities may not substantially impact your ability to buy life insurance, some disabilities do. Health conditions that could affect your ability to buy life insurance may include the following:

  • Heart problems
  • Stroke
  • Kidney issues
  • Cancer
  • Chronic obstructive pulmonary disease (COPD)

If you have a disability that affects major organs or is likely to shorten your life span, you may have fewer life insurance options. The insurer may place you in a lower health class, which means you'll pay higher premiums for insurance. If that's the case, you'll want to talk to a licensed agent who can point you toward companies with the lowest pricing for your situation.

Alternatively, you could choose a type of no medical exam life insurance called guarantee issue. Buying this life insurance coverage which typically means paying relatively high premiums for a limited death benefit, such as $50,000 or less.

How a disabled person can buy life insurance

If you're concerned about being declined or paying higher premiums for life insurance because you have a disability, you have options. But you may need to shop around to find them. If you want to hit the easy button, talk to a licensed, independent agent who can do most of that shopping for you.

Written by
We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.