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: Nov 24, 2021

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The Facts of Life

  • Hiring life coaches may be necessary, but it’s also expensive since insurance companies do not cover their expenses
  • Local outreach programs in your area can help cover some, or all, of the costs of hiring a life coach
  • When hiring a life coach, thoroughly vet them before making the commitment to hire them

Life coaches can offer expert advice for individuals that need a professional to help them get their life back on track. But, not surprisingly, these services are not covered by insurance.

If you’re searching for life insurance quotes from life insurance companies that cover life coaching, you may be out of luck.

Coaches generally assist clients with changing habits, reaching goals, and overcoming obstacles in their work and personal lives. The only downside is that life insurance companies don’t cover life coaches.

Even though companies don’t provide life coaching insurance, you can still find ways to help cover the costs of these expensive motivators.

Keep reading to learn more about life insurance companies that cover life coaching. Then, enter your ZIP code into the comparison tool above to start comparing life insurance quotes in your area for free.

Are there affordable life insurance companies that cover life coaching?

If you’re searching for life insurance companies that cover life coaching, you may be out of luck. Unfortunately, life insurance does not cover these types of services.

If you have a pre-existing medical condition or mental health-related issues, you may be entitled to other programs that life insurance does cover to get you back on track.

Are life coaches covered by insurance?

Will insurance cover life coaching? Unfortunately, the answer is no. Life insurance companies that don’t cover life coaching are the norm.

Since life coaching is considered alternative medicine, it isn’t deemed medically necessary by insurance companies. This means that, even if a life coach improved your life, you would not be able to get coverage to help cover the expensive costs.

Local outreach programs offer assistance, and some will even cover the first few initial costs of hiring a life coach. Your best option is to find a regional center and see if there are any assistance programs.

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How do I hire an affordable life coach?

Since there is no way to buy life insurance from companies that cover life coaching, you’ll need to make sure that the life coach you’re hiring is affordable.

Community Wellness Initiatives are a great starting point when looking for affordable life coaches.

Supported by The Department of Health and Social Services, these outreach programs specialize in helping the community through program-funded services including education, life coaching, and tangible resources to help individuals and communities become self-sufficient, happy, and healthy.

The Integrated Wellness Academy (IWA) is another great example of an outreach program. They offer scholarship programs, non-profit training from certified life coaches, service-based relationships, and donated practicum hours:

  
Donate Practicum Hours
As part of our life coach certifications, students are required to complete a number of practicum hours. Students are asked to donate free coaching to help people in need who would normally not have access to this type of service. IWA also provides the opportunity for coaches to donate practicum hours to helping communities in need.
Scholarship Programs
Partnered with organizations to provide scholarship programs for teens and adults overcoming issues like addiction, abuse, trauma, and homelessness. This provides scholarship awardees with continued self-development and professional training in order to create a more stable future.
Service-Based Relationships
IWA provides free trainings, workshops, and coaching to communities in crisis. By meeting critical needs through partnerships with existing non-profit organizations, and partnering with organizations who share the same values of service without agendas and addressing the needs of those suffering through tangible resources that empower communities to become self-sustaining.
Non-Profits Training
IWA trains and certifies a select number of non-profit employees who interact with community members in order to be more effective in their work by adding integrative life coaching to their support offerings.
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IWA uses these tools to utilize life coaching to create positive changes locally and globally. They help individuals identify action plans, build and create sustainability within their communities, and help grow potential through individual needs.

What are the benefits of hiring a life coach?

According to iNLP Center, there are many benefits to hiring a life coach.

Life coaching is goal-focused, and sessions center on helping clients reach specific objectives or desires. Unlike therapy, hiring a life coach does not require a clinical diagnosis or treatment history.

  1. Find a life coach that specializes in the area you need help with most: There is a multitude of reasons why someone would want to hire a professional, whether it be from your career path going in the wrong direction, or help with a mental illness that affects your daily life.
  2. Look for life coaches with proper training and credentials: Unlike other professions requiring multiple licenses and certifications to practice, the life coaching industry is relatively new and less established.
  3. Make sure your life coach understands your needs: Choosing a life coach can be a very personal experience. You are seeking to improve the essential parts of your life and change what you can’t do by yourself with someone trained to do so.
  4. Choose a life coach that fits within your budget: Hiring a life coach is an investment into your future success, but you don’t have to break the bank, either. Choosing a life coach that offers fees that are within your means will guarantee a stress-free engagement.

What You Need To Know About Life Insurance Companies That Cover Life Coaching

When looking for insurance rates from life insurance companies that cover life coaching, you’d be unsurprised to find that most companies don’t cover these types of services.

Since insurance companies don’t consider life coaches a medical necessity, the fees of hiring these individuals will fall back onto you. Fortunately, plenty of local outreach programs offer to help cover these costs, sometimes paying for them outright.

Now that you’ve learned about life insurance companies that cover life coaching, start comparing life insurance quotes today. Enter your ZIP code into our tool below for free quotes.

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Frequently Asked Questions: Life Insurance Companies That Cover Life Coaching

#1–Is there insurance for life coaches?

Yes. For the most part, life coaches will need some type of liability insurance to run their business. Since life coaches are considered a small business, they need the proper business insurance policy to operate.

Business insurance will safeguard a life coach in case a client is hurt or injured following their advice.

Accidents or mistakes can happen in any occupation, but when they lead to claims of injury or financial loss, that could put a life coach’s small business in jeopardy.