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: Apr 29, 2021

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The Brief

  • Life insurance for people with cystic fibrosis is hard to find
  • Sometimes, either guaranteed life or accidental death life insurance policies may be available to people with cystic fibrosis
  • Having cystic fibrosis will be the primary determinant of your rates and the coverage amount

If you have cystic fibrosis and are looking for an affordable life insurance policy, you may have some critical questions.

Is there affordable life insurance for people with cystic fibrosis? Does having cystic fibrosis increase your monthly rates? Will it affect your life insurance risk class? Keep reading for more about life insurance with cystic fibrosis.

Ready to compare life insurance rates for people with cystic fibrosis? Enter your ZIP code into our free online tool for instant life insurance rates from companies in your area.

Can you get life insurance if you have cystic fibrosis?

In short, yes. People with cystic fibrosis can be eligible to receive full coverage life insurance at the same cost as those without cystic fibrosis, given that they meet a specific set of health requirements.

Because of the high health risks associated with cystic fibrosis, there are not many life insurance companies out there willing to cover individuals with it. Similar to finding life insurance for breast cancer survivors, persisting medical conditions make insurers wary.

In the past, cystic fibrosis life insurance consisted of two life insurance policy options: guaranteed life insurance and accidental death.

Guaranteed life insurance policies do not require medical exams or for applicants to answer any medical questions. They do include a graded death benefit and often only allow people between 50 and 80-years-old to apply.

Accidental death policies only provide coverage for accidents. An accidental death policy would not cover death from natural causes or a complication from cystic fibrosis.

However, people with cystic fibrosis are eligible to receive full burial life insurance coverage at the same cost as those without cystic fibrosis.

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What are life insurance rates for people with cystic fibrosis?

Because there are so many health complications that can arise from having cystic fibrosis, it will be the primary determinant of your rates and coverage amounts. It is a part of what life insurance companies test for in underwriting.

It is hard to know definitively which companies extend life insurance to people with cystic fibrosis and how much their rates will be if they do. You can discuss your options with a representative from the company you have in mind.

Most life insurance companies are apprehensive about insuring people with cystic fibrosis, and one can assume that life insurance companies for people with cystic fibrosis will charge higher rates. However, some companies can work with you after having a conversation about your specific health history.

However, according to the Cystic Fibrosis Foundation, the quality and duration of life with cystic fibrosis have increased dramatically with the improvement of specialized care. So, it’s likely you can buy life insurance policies for people with cystic fibrosis with more options if you look around.

If you’re ready to find life insurance quotes for people with cystic fibrosis, enter your ZIP code into our free online tool for instant rates from companies in your area.