Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 29, 2021

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The Brief

  • Life insurance companies will provide policies to life coaches
  • Life coaches will also likely need liability insurance
  • Policies for life coaches will likely be affordable

Do you need life coaching insurance? When you first begin looking for an insurance policy, you may find several life insurance companies cover life coaching. Furthermore, you’re also likely to have no problem finding professional insurance.

You will likely find affordable quotes from life insurance companies that cover life coaching because the profession is not seen as risky. To be sure your policy is the best for you, compare sample life insurance rates.

If you need insurance for life coaches and are looking for quotes for life insurance companies that cover life coaching, enter your ZIP code into the free quote tool.

What are the best life insurance companies that cover life coaching?

Any number of life insurance companies will happily give a policy to a life coach. Even better, life coaching isn’t considered an overtly risky profession statistically, even if some activities include risk.

This means you likely can find plenty of affordable life insurance companies that cover life coaching.

Below, you’ll find the average monthly rates from Guardian Life for a female non-smoker aged 25 years old to 50 years old:

Guardian Life Average Rates for Female Non-Smokers

Rates For Female Non-Smoker25-year-old30-year-old35-year-old40-year-old45-year-old50-year-old
10-Year Term$36$37$38$53$51$74
10-Year Term to Whole$38$39$39$56$57$84
15-Year Term$40$40$44$59$59$85
15-Year Term to Whole$42$42$46$64$67$98
20-Year Term$50$51$60$78$75$104
20-Year Term to Whole$52$53$63$85$84$117
30-Year Term$81$87$91$126$131$204
30-Year Term to Whole$83$89$96$135$142$220
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The following table shows monthly rates for male non-smokers aged 25 years old to 50 years old:

Guardian Life Average Rates for Male Non-Smokers
Rates For Male Non-Smoker25-year-old30-year-old35-year-old40-year-old45-year-old50-year-old
10-Year Term$42$42$42$59$63$96
10-Year Term to Whole$44$44$44$62$67$107
15-Year Term$47$48$50$71$76$126
15-Year Term to Whole$49$49$52$76$84$141
20-Year Term$60$64$66$93$105$159
20-Year Term to Whole$62$66$70$100$115$177
30-Year Term$103$107$120$161$188$276
30-Year Term to Whole$104$110$125$173$201$297
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Smokers will pay a little bit more for life insurance.

As you can see, rates for life insurance companies that cover life coaching are affordable and even start as low as $40 a month.

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Are life coaches covered by insurance?

What if you’re in need of a life coach? Will insurance cover life coaching? Traditionally, health insurance will only cover what they deem as a medical disorder, illness, or injury. It’s unlikely your health insurance would cover an unlicensed professional, such as some life coaches.

If your life coach is also a therapist, they may be covered under your health insurance policy. This would provide a lot of the same services, and would likely cost less under your health insurance.

Unlike health insurance, life insurance won’t cover any services, but if you take the time to go to these wellness services on your own time, it could pay off on your policy.

Any improvements you make to your health or lifestyle will reflect well on your life insurance premiums.

Life insurance companies that don’t cover life coaching do so because they don’t recognize coaches as medical professionals. If you’d like life coaching covered by insurance, consider going to a therapist.

Life Insurance Policies for Life Coaches

As those life insurance companies won’t view life coaches as inherently risky, you can likely get your choice of policies on the market. What kind of policy you’ll need will likely depend on what your life is like outside of your life coaching activities.

If you only need life insurance for a period, the amount of coverage and investment opportunities differ greatly across life insurance, and making sure you have the right policy will help you feel better about your family’s future.

Term Life Insurance

Term life insurance will only last for a period of your life. If you die during that term, your insurer will pay the death benefit out to your beneficiaries. If you outlive your policy, then your beneficiaries won’t receive anything.

term life insurance policy can be great for new families or budding businesses that would be most affected by the loss of a major member.

According to the Insurance Information Institute (III), term life insurance can also be narrowed down to a few popular sub-types, which include:

  • Level Term – The most basic and affordable life insurance policy available. The insurance lasts for a certain period and you won’t get anything if you die outside of the policy.
  • Renewable Term – A renewable term life insurance policy allows you to renew at the end of each term without additional underwriting.
  • Conversion Term – This policy originally begins as term life, but will have the option to convert to a permanent policy once conditions are met.

With these types of insurance, you can make sure you’re covered during the extent of your term and potentially further.

Permanent Life Insurance

Permanent life insurance policies will cover your life from the day you sign until your death. However, these policies will usually cost more considering the insurer will have to pay out eventually.

Some popular types of permanent life insurance consist of:

  • Whole Life – This life insurance policy will cover you from the point you sign on until the end of your life. Some offer a savings element.
  • Universal Life – This policy allows the client to customize the death benefit and therefore the premiums.
  • Variable Life – This life insurance policy works as an investment body that the client can use to invest in stocks, bonds, and mutual funds.

The benefit of whole life insurance is that the policy will cover your entire life as long as you continue to pay your premiums. This can help if you face any health issues down the road, as it won’t be able to affect an in-force life insurance policy.

Life Insurance Companies That Cover Life Coaching: The Bottom Line

There are many life insurance companies that will provide a policy for life coaches.  What’s even better is that as long as you don’t have any red flags, both types of insurance will likely be affordable.

If you are looking to get your life coach paid for by insurance, your best bet is to go to a therapist, as insurance companies view them as medical professionals and are more likely to cover those visits.

If you’re looking for affordable life insurance companies that cover life coaching, enter your ZIP code into our free quote tool.