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 26, 2021

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The Brief

  • Insurance companies will see life with Down syndrome as a pre-existing condition
  • For people with Down syndrome, life rates will be substandard
  • Group life insurance can help individuals employed full-time

To this day, Down syndrome is the most commonly diagnosed chromosomal condition in the United States. You may be wondering if you can buy life insurance for people with Down syndrome in your family.

We will answer that question, along with how much life insurance to buy, and a potentially helpful form of coverage called group life insurance.

Prior to diving in, type your ZIP code into our free and helpful tool above. You will find the cheapest life insurance companies for people with Down syndrome in your area.

Can you buy life insurance for people with Down syndrome yourself?

Someone with Down syndrome is able to procure insurance for themself, but it is important to note that the syndrome will be labeled a pre-existing condition.

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.

This last bit is important, as 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.

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

Life Insurance Options for People with Down Syndrome

So, we know that you can get coverage, it just 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 such as guaranteed issue life insurance coverage could be the better bet.

When it comes time to cover individuals with a pre-existing condition, a lot of major insurance companies put them in a category that pays substandard rates.

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

Average Monthly Life Insurance Rates for People with Down Syndrome
AgeStandard RatesSubstandard 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, but they may very well come at a price. Let’s now wrap up with group life insurance and what it can do for you.

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Group Life Insurance for People with Down Syndrome

If the individual with Down syndrome in your family is working 30 or more hours per week, group life insurance could be available through their employer.

Group life insurance is a single policy that covers a group, like coworkers. It is well worth asking about the availability of this employee benefit. Should it be available, group life would be a very inexpensive option.

Hopefully, we have shown you some appealing options today when it comes time to buy life insurance for people with Down syndrome.

Down syndrome life insurance doesn’t have to be out of reach. Type your ZIP code into our free and helpful tool below to find affordable life insurance quotes for people with Down syndrome in your area.