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Can you get life insurance with ADHD or ADD?

Licensed Life Insurance Agent/Marketing Manager
March 30, 2020

While health can be a big factor in determining your eligibility and rate for life insurance, typically if you have attention deficit hyperactivity disorder (ADHD) or attention deficit disorder (ADD) this won't impact your ability to get life insurance. 

Can I get life insurance with ADD or ADHD?

Yes, you can get life insurance with ADD or ADHD. The insurance company may have additional questions for you about your health and lifestyle to determine your rate, but this condition does not typically affect your ability to get a life insurance policy.

How much will life insurance cost if I have ADD or ADHD?

The life insurance company will take your age, health, gender, lifestyle and other factors into consideration when determining how much life insurance will cost. If you would like to get a ballpark idea of how much a life insurance policy would cost, use our quoter tool on the right. 

Another aspect that will determine your cost is what type of life insurance policy you choose. Term life insurance is always going to be the cheapest option, but it will only be active for a certain period of time. 

The amount of coverage you choose will also determine your rate. The higher the amount of coverage the more expensive your policy will be. 

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What is the process to apply for life insurance?

The process for applying could be different based on the type of policy you choose. 

In a traditional life insurance policy you will be required to take a medical exam. In this process the examiner is typically sent to your house to check your height and weight. They may also take a blood and urine sample. The insurance company will receive the results of your life insurance medical exam and will determine your eligibility and rate for a life insurance policy. If you are pretty healthy the exam can be a great way for you to get a lower rate. 

If you are concerned about taking a medical exam you have two other options: 

  • No medical exam life insurance
  • Guaranteed issue life insurance

With a no medical exam life insurance policy you can choose to skip the medical exam. Though there might be a health questionnaire that you would need to fill out to complete the application. The medical questionnaire will be considered to determine your eligibility and rate. 

A guaranteed issue life insurance policy allows you to skip both the medical exam and the health questionnaire. It is important to note that while this policy allows you to get coverage, it is typically for much lower amounts than the traditional or no exam options. 

Conclusion

While ADD or ADHD doesn't typically affect your ability to get life insurance there are still life insurance companies that will have better rates and options for you. Consider working with a life insurance agent to find the right life insurance policy and rates for you and your family. 

Written by
Chelsie Ball
Chelsie is fixated on developing innovative ways to present complex ideas and maneuvering people to the information they need. She has worked in digital marketing for the past eight years and has been a licensed life insurance agent since 2010. When she isn’t looking out for the user, you can find her watching Netflix or desperately trying to find a real hobby.