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Qualifying for life insurance with Scoliosis

Researcher & Writer
August 12, 2017

Any time you have someone that is applying for a traditional term or whole life insurance policy with a pre-existing medical condition, regardless of how “insignificant” it may see at first, you’re going to run the risk of things getting a bit “tricky”.

That being said however…

There are bunch of medical issues that won’t harm your life insurance eligibility at all – and in fact you may even get a preferred rate.

So… what about scoliosis? 

Is scoliosis one of “those” conditions which isn’t going to be an issue for life insurance companies?  Well, that’s why we chose to write this article.  In this article, we’re going to tell you all about:

  • Scoliosis,
  • What the process of applying for life insurance with scoliosis will look like,
  • The kinds of rates you can expect to receive,
  • And how to find the best life insurance company when you have been diagnosed with scoliosis.

So…keep reading to know everything you need to know about getting life insurance coverage with scoliosis.

About Scoliosis.

Scoliosis is a disorder that causes the back to curve in a way that it’s not supposed to. This can be a major curvature difference or a minor one.

Causes of Scoliosis.

There are various causes ranging from the unknown to muscular dystrophy. And when it comes to determining what “types” of life insurance policies you may or may not be eligible for and what “rate” you may be expected to pay, knowing “why” you’ve developed scoliosis will be essential.

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Insurance companies are going to be very interested in the “severity” of your scoliosis.  And while it’s “theoretically” possible to qualify for a Preferred rate class when applying for a traditional term or whole life insurance policy, why you developed scoliosis and how severe your scoliosis is will certain come into play.

Qualifying for a Preferred Rate with Scoliosis.

If you have mild or even almost moderate scoliosis, then you are should theoretically be eligible for a preferred rate.  You may even be able to qualify for a no medial exam life insurance policy as well!

Now in order to qualify for a preferred rate, though, you need to have a few other things in line.
You should:

  • Have overall decent health including:
  • Regular blood pressure, cholesterol, healthy weight
  • No major diseases or illnesses
  • No major surgeries in the last 12 months
  • No major family medical history issues
  • Live a relatively “risk-free” lifestyle, including:
  • No adventure sports
  • Risk-free job (not a police officer, fire fighter, etc)
  • No major vices such as tobacco or marijuana use.

If this describes you, then there is a really good chance that you may be able to qualify for a Preferred rate!

Qualify for a “Good” rate with Scoliosis.

One thing that we like to remind all of our clients is that MOST people aren’t able to qualify for a Preferred rate.  These are Preferred rates for a reason, so even if you didn’t have a pre-existing medical condition like scoliosis, it’s quite possible that something like your:

  • Height and weight ratio,
  • Family medical history,

Or even your driving record could prevent you from qualifying for a Preferred rate, so don’t “sweat it”, chances are you’ll find that a Standard or a Standard Plus rate is almost just as affordable anyway!


If you can’t qualify for a preferred rate, just remember, you may still have a chance at qualifying for another affordable rate class provided that you’re scoliosis isn’t too severe.

When You’ll be Denied.

Severe scoliosis may cause you to be denied a life insurance policy. Usually, in cases like these however, the severity of scoliosis isn’t the only issue; the cause of it plays a part as well. People with cerebral palsy, for example, often get scoliosis. Cerebral palsy is a severe disorder of the brain and muscles which is hard and often impossible to underwrite.

If you have degenerative scoliosis…

Some types of scoliosis are degenerative. If this is the case, you may be harder to insure than people whose symptoms do not progress.

If you get denied…

There’s still a way for you to get at least some life insurance coverage. Instead of a term or whole life insurance policy, you can apply for what is called a guaranteed issue life insurance policy.

And while we’ll be the first to admit that in many situations these are not the “go to” type of life insurance policy that people are looking for.  In many situations where these are the only types of life insurance policies an individual can qualify for, they can become a great alternative for many and certainly deserve to be considered as a potential option.

Getting Professional Help is Key!

There is a broad spectrum of “insurability” when it comes to scoliosis. After reading this article, it’s probably not all that easy to tell exactly where you fall. What is “moderate” and what is “more than moderate” scoliosis? When do you go from preferred rate to good rate…to not insurable at all?

The best thing you can do is call TermLife2Go. We can help you figure out the best way to get life insurance.


It’s important to remember that not all life insurance companies can answer those questions in the same way. Some may find your scolioisis to be mild – and therefore underwrite you with a preferred rate – while others may think it’s moderate and won’t consider you for any rate above a Standard!

Because of this, you need our expert help! We understand how various life insurance companies view scoliosis – and how they underwrite medical insurance.


We can help you find really great coverage no matter where you are on the spectrum. Even if you have to get guaranteed issue life insurance, we’ll help you find the best!

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

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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.