Life Insurance for People with Cystic Fibrosis

Life insurance for people with cystic fibrosis can be difficult to find because their illness makes them high-risk in the eyes of many life insurance providers. Guaranteed life insurance policies are the most popular recommendation for those with high-risk illnesses, but the premiums associated with this policy are very high.

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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: May 10, 2021

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The Rundown

  • People with cystic fibrosis are classified as high-risk and so they may not be able to find affordable life insurance
  • Guaranteed life insurance policies are an option for high-risk individuals but they come with higher premiums
  • Other life insurance options like final expense and term life insurance may be approved depending on the individual circumstances

If you have just been diagnosed with cystic fibrosis and are looking for life insurance for people with cystic fibrosis, we can help.

Keep reading to learn more about how to find an affordable life insurance policy when you are high risk, what types of policies are available, and how to find a life insurance company for people with cystic fibrosis.

Start looking for life insurance quotes for people with cystic fibrosis right away? Enter your ZIP code above and we can help you jumpstart your search.

Can you get life insurance if you have cystic fibrosis?

Cystic fibrosis is an illness that in most cases will categorize you as high-risk to life insurance companies. There are life insurance companies that will write policies to those who are diagnosed with cystic fibrosis.

However, these policies generally come with higher monthly premiums than average and are not available to those younger than 50.

Guaranteed life insurance policies are one such policy you may qualify for. However, many guaranteed life insurance policies are only available to those over the age of 50.

Funeral/burial insurance is another option for those with cystic fibrosis. This type of insurance is also usually only available to those who are 50 and older.

This policy allows you to pre-fund and plan a funeral or other burial arrangements.

Final expense insurance can be an option for those looking for high-risk insurance. Like the other policies, these are generally designed for those over the age of 50 and offer lower coverage amounts.

The last option would be a term life insurance policy. There are many term life insurance providers that do not require a medical exam to approve people.

However, these companies do still provide a medical questionnaire, and may still deny those with severe illnesses.

If you can get approved, these policies may offer you lower coverage but may be more affordable than guaranteed policies in some cases, making it worth a shot to apply.

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Are there cystic fibrosis life insurance policies?

In recent years some life insurance companies have been broadening the availability of life insurance.

Some providers will now offer policies to those with previously uninsurable illnesses, like diabetes or high blood pressure, and other heart conditions.

However, according to CFF.org, more than 30,000 people in the U.S. have cystic fibrosis.

While that is not an insignificant number, it is small enough that very few life insurance companies are willing to write specific cystic fibrosis life insurance policies.

This means that guaranteed life insurance, burial insurance, and final expense insurance are still the most common policies written for those with cystic fibrosis.

Who offers the most affordable life insurance for those with cystic fibrosis?

Cystic fibrosis is something that will greatly impact your life insurance costs, but generally not until you get to the underwriting or medical questionnaire/exam stage.

This makes it hard to know exactly how much a life insurance company will charge you unless you do a more detailed quote, and it’s helpful to have an idea about price before you buy life insurance for people with cystic fibrosis.

Here’s a look at the pricing of one guaranteed life insurance policy from Gerber.

Gerber Life Average Monthly Life Insurance Rates
Coverage LevelAverage Monthly Rates
$5,000$17.69
$10,000$34.47
$12,000$41.18
$15,000$51.24
$20,000$68.02
$25,000$84.79
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It should be noted that the rates Gerber Life provided are just estimates for a healthy individual. Those with serious illnesses are going to pay more.

In the end, searching for life insurance when you suffer from cystic fibrosis can be difficult. The best way to make sure you are getting the most affordable life insurance for people with cystic fibrosis is to get as many quotes as you can from providers.

Start your search for life insurance rates for people with cystic fibrosis today by entering your ZIP code below.

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