Life Insurance for Disabled People

Life insurance for disabled people is easy to obtain, but rates will vary. People who suffer from anxiety, multiple sclerosis, and PTSD will have to purchase a non-standard life insurance policy.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 2, 2022

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The Highlights

  • Life insurance for disabled people is the same as standard life insurance
  • A disability shouldn’t affect your life insurance quotes unless it directly affects your life expectancy
  • The average cost of term life insurance for disabled persons is about $9/month

Life insurance for disabled people is as standard as any other policy, but people with disabilities that affect life expectancy could face more expensive life insurance rates.

Some life insurance providers won’t even sell a policy to a person who has specific medical conditions.

But don’t worry – we’ll show you what life insurance policies fit people with disabilities and other policies in case you’re denied life insurance coverage.

Take even a little period of time to look at what options are currently on the market, for you and your family. Enter your ZIP code in our free comparison tool above to compare the top companies in your area.

How much does life insurance for disabled people cost?

You can pay as low as $9 per month for term life insurance, even if you have a disability. It may seem surprising, but not all premiums are sky-high. Whole life insurance costs around $80 per month.

Under the right circumstances, you can find affordable life insurance for disabled people. But where can you find it? Start with the best companies, the ones that you can trust.

Here’s a list of the best life insurance companies and their A.M. Best ratings.

Average Monthly Life Insurance Rates and A.M. Best Rating by Company
CompanyAverage Monthly Life Insurance RatesA.M. Best Rating
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
John Hancock$11A+
Mutual of Omaha$12A+
New York Life$11A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
State Farm$15A++
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These term life insurance rates are standard for policyholders under 40 years old.

You can save money on lower coverage limits, but it’s recommended that you get a death benefit amount (coverage limit) that is ten times your annual salary.

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What disabilities won’t affect life insurance for disabled people?

Most disabilities won’t affect life insurance policies, but any disability that affects life expectancy can increase your life insurance quotes. But which disabilities are cleared by life insurance companies?

Here’s a list of a few disabilities that life insurance providers approve for a policy.

  • Attention deficit disorder (ADD)
  • Attention deficit hyperactivity disorder (ADHD)
  • Blindness
  • Bipolar disorder
  • Multiple sclerosis (MS)
  • Autism

If a person has an intellectual or physical disability, it’s up to the caretakers, parents, or guardians to get life insurance for the disabled person.

What kind of insurance do you get with a disability? 

If you don’t have a life-threatening disability, you’re eligible for term life insurance and permanent life insurance.

However, there are a few disabilities and disorders that could interfere with getting life insurance. Some of them include:

  • Anxiety
  • Depression
  • Post-traumatic Stress Disorder (PTSD)
  • Cerebral Palsy
  • Advanced stages of multiple sclerosis

So what can you do if you’re denied life insurance coverage? There are several ways to get life insurance when a disability prevents you from getting a policy.

One of the most well-known policies is called a guaranteed issue life insurance policy, which gets you life insurance without a medical exam.

Veterans have additional options known as Service-Disabled Veterans Life Insurance (S-DVI). According to, all military service members can get S-DVI from the U.S. Department of Veteran Affairs.

Other types of life insurance policies include group life insurance, supplemental life insurance, burial insurance, and joint survivorship life insurance.

What’s the difference between life insurance and disability insurance?

Life insurance protects loved ones after you’ve passed away, but disability insurance protects your finances when you can’t work anymore due to your disability.

Conveniently, most life insurance companies are disability insurance companies. Ask a life insurance company if you can bundle your term life insurance into a disability insurance policy.

You can use permanent life insurance policies while you’re still alive.

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Life Insurance for Disabled People: What’s the bottom line?

Most life insurance companies will ask you to take a medical exam before issuing a policy for purchase, but having a disability doesn’t disqualify you from a life insurance policy.

Always tells the truth about your disability or medical condition – don’t lie to insurers. If a life insurance provider declines your request for a policy, keep shopping around.

Always remember that you can comparison shop to see what company is right for you and your family. Start shopping by using our free online quote tool below.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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