Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Sep 28, 2021

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The Facts of Life

  • Many life insurance companies will accept people who are on disability if the disability isn’t life-threatening
  • For more serious disabilities, guaranteed issue life insurance or burial insurance might be the best options
  • State Farm and AIG are among the most popular companies for no exam life insurance policies

If you’ve recently become disabled, you may be curious about the best life insurance companies that accept people who are on disability. Healthy or disabled, it’s important to get life insurance coverage.

To help you find the best life insurance coverage, we simplify disabled life insurance, types of life insurance for people with disabilities, and life insurance riders that can help.

Keep reading to find everything you need to know about life insurance companies that accept people who are on disability. Until then, take advantage of our free quote tool above to get instant life insurance quotes from insurers near you.

Which life insurance company has the best insurance for disabled people?

Insurance companies tend to steer away from high-risk policyholders. This is true of virtually any type of insurance. That said, life insurance companies will insure disabled people or in rarer circumstances, critically ill people.

Can you get life insurance if you have a disability? Most likely yes. However, many life insurance companies will follow strict and unique policies when underwriting a policy for a disabled person.

The best life insurance for the disabled will depend on each person’s disability and life insurance needs. If you do have a major disability, you’ll most likely need some form of no exam life insurance.

While many companies offer no exam life insurance, our top two competitors are State Farm and AIG. Both companies offer an assortment of life insurance options and have strong financial backing.

The major difference between the two, as far as ratings go, is that State Farm has a superior customer satisfaction rating via J.D. Power while AIG ranked below the industry average.

While we aren’t able to provide sample rates for no exam life insurance, it does appear that State Farm would be preferred for the customer service experience.

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What kind of life insurance can I get if I’m disabled?

If you’re disabled and looking to purchase a new life insurance policy, your coverage options and limits will likely depend on the type and severity of your disability.

For example, there may be different limits when you buy life insurance for special needs adults than there will be for life insurance for someone with mental disabilities.

What’s considered a disability? There are many disabilities which include deafness, blindness, autism, cerebral palsy, bipolar disorder, epilepsy, and more, according to the Society of Human Resource Management.

Your life insurance provider will most likely look into how your disability affects your lifespan and any associated risk of early death. If there is an insignificant added risk, you might not have to worry about higher life insurance rates or a strenuous underwriting process.

For those with low-risk disabilities, you should be able to purchase traditional life insurance policies such as:

  • Term life insurance
  • Whole life insurance
  • Universal life insurance

In short, you shouldn’t be limited to any one type of policy with a low-risk disability. You should be able to choose between several of term and permanent life insurance options.

What if life insurance companies won’t cover my disability?

Thankfully with life insurance, almost anyone can get some type of life insurance coverage. You might not qualify for a $500,000 death benefit, but you should be able to secure a death benefit that covers basic needs for your beneficiaries.

There are a few affordable life insurance options that could be worth looking into if you’re disabled, listed below.

  • Burial or final expense insurance
  • Guaranteed issue life insurance
  • Service-disabled veteran’s life insurance (S-DVI)

These life insurance options are each unique to one another but could help save your beneficiaries from further heartache when you’re gone.

Burial insurance is designed to cover expenses directly related to a funeral. Many times, funerals can cost over $10,000. It’s hard to expect family members to throw out thousands of dollars just to give you a nice headstone.

Burial insurance is typically the most cost-effective option for the policyholder, but with the smallest potential death benefit.

A funeral trust is a nice alternative to burial insurance. In short, you’ll pay the funeral home in increments to cover the expenses of your funeral ahead of time. This is a more direct process.

Guaranteed issue life insurance is another option that generally offers a much larger death benefit when compared to burial insurance. Guaranteed issue life insurance requires no medical exam, but at an added expense.

In reality, your disability would cost you more for life insurance anyway, so guaranteed issue could be a reasonable option if you did want a more substantial death benefit for your beneficiaries.

Service-disabled veteran’s life insurance is a policy option for those veterans who were injured while serving in the military. This is a very specific demographic, but it’s an option to pursue if you happen to fall into that category.

Overall, the life insurance companies that don’t accept people who are on disability won’t offer guaranteed issue life insurance or other no exam term life insurance options.

What You Need to Know About Life Insurance Companies That Accept People Who Are on Disability

Overall, the best life insurance company for a disabled person will depend on their disability, their insurance needs, and an assortment of other small factors. No exam life insurance is the best bet for those with serious disabilities.

Now that you have a better understanding of the life insurance companies that accept people who are on disability, use our free quote tool to compare life insurance rates from the top companies in your area.