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: Mar 31, 2021

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Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • It’s harder to get life insurance if you have a disability that affects your life expectancy.
  • Disabled individuals can increase their chances of getting life insurance if they tell a life insurance company about disabilities and conditions right away.
  • A disability doesn’t disqualify you for life insurance.

Life insurance for the disabled is more challenging to get than others. Some life insurance companies may deny you a life insurance policy if a disability shortens your life expectancy. However, it doesn’t automatically keep you from life insurance.

You can buy life insurance for the disabled, and we’re going to list which policies work best for those with a disability and people with disability insurance. We’ll show you the best life insurance companies in our guide.

If you want to search for life insurance for the disabled in your local area, enter your ZIP code in the FREE comparison tool above.

What is Life Insurance for Disabled People?

Despite what you may have seen on search engines, there’s a way to get life insurance while on long-term disability. Life insurance for the disabled is more challenging to get, but you can still qualify for life insurance. It all depends on the company.

According to the Americans with Disabilities Act, no institution, business, employment, state or federal government, U.S. Congress, or any organization is allowed to discriminate against anyone with a disability.

Any entity discriminating against someone with a disability may find themselves in massive legal trouble if they do so.

Read the next few subsections to learn which life insurance policies are suitable for people with disabilities and people who receive disability benefits like supplemental security income (SSI).

What are the Types of Life Insurance Policies For the Disabled?

If you’re searching for a life insurance policy that works best for you, let’s start with some information about life insurance types you’ll need to know about.

Term Life Insurance

The cheapest life insurance coverage is term life insurance. Term Life insurance provides life insurance for several years, but standard term life insurance policies last for 10 years or 20 years.

Once a term life insurance policy ends, you will lose the value of the policy. Enrolling in a “Return of Premium” rider, a life insurance add-on will refund all the premiums you paid throughout the policy.

Whole Life Insurance

If you want a life insurance policy that lasts your entire life, try to buy a whole life insurance policy. Whole life insurance is compared to retirement savings. Some whole life insurance policies, like variable universal life insurance, allows you to make investments.

Guaranteed Issue Life Insurance

It’s standard for a life insurance company to ask for a medical examination before getting life insurance. However, guaranteed issue life insurance doesn’t require a medical exam and allows a policyholder to get a life insurance policy but at a higher cost.

Final Expense Insurance

This life insurance policy is often known as funeral or burial insurance. Final expense insurance is designed to help beneficiaries with funeral costs, burial expenses and even provides coverage if the insured has debts.

Which Life Insurance Policies for Disabled People Work?

Disabled people that work have opportunities to get life insurance like everyone else. If your disability affects life expectancy, the life insurance company may have some concerns about it. However, there are companies out there that will provide coverage for you.

Life Insurance for Disabled People that Receive Government Assistance

According to the Social Security Administration, life insurance cash value at $1,500 or less are not counted as countable income. Any income over $1,500 is considered a “countable resource.”

Like disabled people that work, disabled people in government assistance programs can also receive life insurance. You may be limited on the number of hours you work, but you can still buy a life insurance policy.

Even with a disability, you may qualify for cheaper life insurance rates if you provide a medical exam to the life insurance company. If you receive any government assistance, let your life insurance provider know.

Supplemental Security Income (SSI)

SSI is a government program that’s funded by general tax revenue (excluding Social Security taxes). SSI funding provides money for clothing, food, and shelter to the blind, disabled, and eligible seniors.

Social Security Disability Insurance (SSDI)

If you’ve worked long enough in the United States, the government will consider you as “insured” and provide benefits to you and your immediate family. SSDI doesn’t count as life insurance, but it provides relief to those closest to you.

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3 Ways to Get Life Insurance with a Disability

We want to remind you that disability doesn’t automatically mean a life insurance denial. We want to give you three tips on how to get life insurance for the disabled.

#1 – Shop around for a Life Insurance Policy

When a life insurance company says “no,” try another company. You want to shop around for life insurance policies. Receiving a quote doesn’t mean you have to buy from that life insurance provider. Keep looking around for the best life insurance quotes.

#2 – Don’t Lie to Life Insurance Companies

Always tell the truth about your disability or any other health conditions. One of the reasons life insurance asks for a medical examination is that they want to make sure they’re making a calculated risk.

If you’re unsure about your medical condition or medical history, they will base their evaluation on the medical exam you receive after they request it.

#3 – Choose An Affordable Life Insurance Policy

It’s tough enough to get life insurance as a disabled person. You don’t want the life insurance company deciding for you. Pick a life insurance policy that’s affordable.

Life insurance for disabled seniors is expensive, and seniors are typically on a fixed income, so you’ll need a life insurance company that doesn’t break the bank.

Where can you buy affordable life insurance if you are disabled?

Affordable life insurance for the disabled can be found just about anywhere. The first place we looked at was the best life insurance providers in the United States. Here’s some data on the best life insurance companies and their average monthly rates.

Average Monthly Life Insurance Rates by the Top Companies
CompaniesAverage Monthly Life Insurance RatesA.M. Best Rating
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
New York Life$11A++
John Hancock$11A+
Mutual of Omaha$12A+
State Farm$15A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
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These rates are based on 30-year-old policyholders, so your life insurance rates could be much more expensive as a disabled individual.

Do disabilities affect your life insurance rates?

Yes. Disabilities may fall in the standard or substandard classification in life insurance. Life insurance is separated into four to five categories depending on the company. Here’s a list of classification insurance companies use to decide life insurance rates.

  • Super Preferred
  • Preferred
  • Standard Plus
  • Standard
  • Substandard

Super Preferred (or Preferred Plus) produces the cheapest life insurance cost, but Standard and Substandard classification have more expensive costs. Here’s an example of how classifications work in life insurance rates.

Average Monthly Life Insurance Rates Based on a 20-Year Life Insurance Policy Worth $500,000 by Age and Gender
Age and GenderAverage Monthly Super Preferred Life Insurance RatesAverage Monthly Preferred Life Insurance RatesAverage Monthly Standard Life Insurance Rates
30-Year-Old Female$16$19$30
30-Year-Old Male$19$24$35
40-Year-Old Female$24$30$44
40-Year-Old Male$55$65$97
50-Year-Old Female$28$35$56
50-Year-Old Male$70$83$130
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Look at the differences between male and female. Female pay much less, and standard classifications have the highest rates.

What about Life Insurance for Disabled Children?

Getting life insurance for a disabled child is equally tricky. However, you can take out a life insurance policy on yourself and add the child as a rider. Riders are add-ons for life insurance.

Life Insurance for the Disabled: The Bottom Line

It’s not impossible to get life insurance for the disabled, but it’s challenging. You should shop around for life insurance, though. Some companies have expensive life insurance rates for the disabled.

No life insurance company can discriminate against your disability or if you receive government assistance because of a disability.

Start searching for life insurance for the disabled by entering your ZIP code in the FREE online quote tool below.