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: May 19, 2021

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The Brief

  • Disabled people do qualify for life insurance depending on the type of disability they have
  • If your disability affects your life expectancy, you could see higher rates or be denied coverage
  • Consider a high-risk life insurance policy if you don’t qualify for a traditional policy

If you’re a disabled person, you may be wondering if it’s possible to find affordable life insurance for disabled people. After all, some disabilities may affect your health, potentially leading to higher rates.

Should you get a term life insurance policy or a whole life insurance policy? Do disabled people qualify for life insurance? Since life insurance eases the burden on your family after you’re gone, you don’t want to go without it.

Find out if disabled people qualify for life insurance, what kind, and how to save. Before learning more about life insurance for disabled people, enter your ZIP code into our free comparison tool above to compare life insurance quotes for disabled people today.

Can you get life insurance with a disability?

The short answer is yes. You can qualify for life insurance with a disability. In fact, unless your disability has an effect on your life expectancy, you won’t be charged higher than usual rates.

However, if you have a disability that affects your life expectancy such as a heart condition, you may be charged higher rates or even be denied coverage altogether. This is because such a disability affects your life insurance risk class.

What does it mean to be disabled? Perhaps you’re wondering if you qualify as a disabled person.

According to the Americans with Disabilities Act, a disabled person is a person who has a physical or mental impairment that substantially limits one or more major life activity.

This includes people who have a record of such an impairment, even if they do not currently have a disability.

It also includes individuals who do not have a disability but are regarded as having a disability. If that sounds like you, then you are considered disabled.

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What kind of insurance do you get with a disability?

Now that you know that disabled people qualify for life insurance, you’re probably wondering, what kind of insurance do you get with a disability?

Well, it’s important not to confuse life insurance for disabled people with disability insurance.

Disability insurance provides an income replacement if you become disabled and are unable to work. While this is important to have, it doesn’t apply to Americans already living with disabilities.

Life insurance for disabled people provides a lump sum to support your family after you pass. There are two main types of life insurance: whole life insurance and term life insurance.

How can you save on life insurance for disabled people?

If your disability doesn’t affect your life expectancy, then you can save on life insurance by maintaining good health and avoiding risky activities such as smoking or excessive drinking.

The main things that life insurance companies look for during the medical exam are blood pressure, height to weight ratio, and tobacco use. Keeping all of these things in line should score you affordable rates.

What if your disability affects your life expectancy and you’re denied coverage? Well, consider looking into disability insurance companies that have specific policies for high-risk individuals.

For example, guaranteed life insurance policies don’t require medical exams, but they usually cost more.

If you’re employed, consider a group life insurance policy through your employer. It won’t require a medical exam or charge you based on your disability.

The best way to save is to compare life insurance rates for disabled people from multiple companies to find the best rate. Enter your ZIP code into our free comparison tool below to buy life insurance for disabled people today.