Life Insurance for Disabled People

If you're looking into life insurance for disabled people, there are some things you should know. It is possible that you will be denied a traditional term or whole life policy. In this case, you can get a guaranteed issue life insurance policy with substandard rates. If the disabled person in your family works a full-time job, group life insurance is an extremely inexpensive option.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Those with a disability may have a difficult time procuring coverage
  • A guaranteed issue life insurance policy is an option, but it will be more expensive
  • Group life insurance is an affordable option if the disabled person works a full-time job

Those with disabilities may be afraid to even apply for life insurance. This could be for fear of being declined or paying too much.

Like life insurance for the terminally ill, it is possible to buy life insurance for disabled people, but there’s a catch. We will answer all the questions you need answering as well as tell you about potential alternatives.

To find an affordable life insurance company for disabled people, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable life insurance quotes in your area.

Extra Challenges of Life Insurance for Disabled People

The Centers for Disease Control and Prevention define a disability as a condition of the mind or body that makes it difficult for the person to complete certain activities.

People with a disability can have a hard time procuring coverage. It all depends on the extent of your or your loved one’s disability. No matter what, you will have to fill out a medical questionnaire to receive coverage.

In other words, there is a chance you will have to compare life insurance for high-risk individuals. It all depends on how debilitating your insurer determines your condition to be.

Let’s move on to what forms of coverage you can expect should you be denied a traditional policy.

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Life Insurance Options

Even if you are denied a traditional term or whole life insurance policy you will still have options. However, you will be seeing elevated rates due to the added risk that comes with a severe disability.

Guaranteed issue life insurance coverage is a form of whole life insurance that has no medical exam and nearly universal approval. However, it is of note that the insured will be paying substandard rates.

Substandard rates are typically 25% more and reflect the extra risk the insurance company is taking to cover the individual. Let’s now look at a table that compares State Farm’s standard and substandard rates.

Monthly Standard vs. Substandard Rates for People with Down Syndrome
AgeAverage Monthly Standard RatesAverage Monthly Substandard Rates (25% increase)
25-years-old$89.31$111.64
30-years-old$102.53$128.16
35-years-old$120.59$150.74
40-years-old$143.03$178.79
45-years-old$173.48$216.85
50-years-old$213.28$266.60
55-years-old$269.01$336.26
60-years-old$355.44$444.30
65-years-old$474.85$593.56
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Now that we know life insurance quotes for disabled people will be more expensive, let’s wrap up with group life insurance. We’ll see if you might find that preferable to guaranteed issue life insurance.

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Group Life Insurance

Some individuals with a disability must still work to put food on the table. If you or your loved one has a disability and works a full-time job, group life insurance is a terrific option.

Group life insurance is a single policy that covers a group, such as coworkers. If available, group life is a great way to pay inexpensive life insurance rates for disabled people.

Now you should know how to find the best company to suit your needs. Type your ZIP code into our free and helpful tool below to find life insurance for disabled people in your area.

Frequently Asked Questions: Life Insurance for Disabled People

What follows are a few commonly asked questions about the insurance coverage for the disabled.

#1 – Are there disability insurance companies?

There are plenty of companies that offer coverage to the disabled, including Illinois Mutual, PIU, MassMutual, Mutual of Omaha, and Assurity.

#2 – What kind of insurance do you get with disability?

If injured at work, you would receive term or whole life insurance, depending on the company.

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