Life Insurance for People with Down Syndrome

When looking for life insurance for people with Down syndrome, there are a few things you should know. Life insurance companies almost always view Down syndrome as a pre-existing condition. This means that the individual with Down syndrome will be put in a high-risk category and could end up paying 25% more for coverage.

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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

  • Insurers view life with Down syndrome as a pre-existing condition
  • For people with Down syndrome, life insurance rates will be substandard
  • Group life insurance is a valid option should the individual with Down syndrome hold a full-time job

Down syndrome is the most frequently diagnosed chromosomal condition in the United States. Can you buy life insurance for people with Down syndrome in your family?

In our guide below, will answer this question and more about life insurance for high-risk individuals, including group life insurance and what it can do for you.

Before we get started, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable life insurance companies for people with Down syndrome in your area.

Can I buy life insurance for people with Down syndrome?

Can you get life insurance when you have Down syndrome? While an individual with Down syndrome can actually get life insurance for themselves, there is a significant difficulty.

Down syndrome is labeled a pre-existing condition by the majority of insurance companies.

A health assessment will be conducted to determine whether or not the individual can independently care for themself. Furthermore, it is standard practice for a potential insured’s life expectancy to be evaluated.

The National Association for Down Syndrome reports that the average life expectancy for those with Down syndrome is decreased to 60 years as opposed to the standard 70 years or more. This affects life insurance rates for people with Down syndrome.

In other words, you will have to compare life insurance for high-risk individuals. Let’s move on to learn what form of coverage will suit your needs.

Life Insurance Options for People with Down Syndrome

Those with Down syndrome can get coverage,  but it will be a slightly more complex process. You will see elevated rates due to medical conditions that are frequently experienced in conjunction with Down syndrome. These factors, along with whether or not the insured can care for themself, is critical to the rates they will pay.

Essentially, a non-traditional policy like guaranteed issue life insurance coverage could be the more affordable option. Otherwise, those with Down syndrome will be lumped into a category indicating the presence of a pre-existing condition, which comes with 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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As you can see, you can find life insurance rates for people with Down syndrome. However, the rates will be more expensive.

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Can I get group life insurance for people with Down syndrome?

If your loved one with Down syndrome works a job that is 30 or more hours per week, they may be eligible for group life insurance through their employer.

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 people with Down syndrome.

Now that you know how to find life insurance for people with Down syndrome, type your ZIP code into our free and helpful tool below to start comparing life insurance quotes from local companies for free.

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