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Deciding on a life insurance policy whilst being a person with a disability can be quite a challenging matter. There’s a lot to consider and a lot of places to find the necessary support.

This post is written to provide just a little bit of information that might help you with the steps you can and, should take when you’re making that decision.

Can You Get Life Insurance While on Disability?

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Can You Get Life Insurance While on Disability?

Life insurance whilst being a person with a disability can be quite a challenging matter. This article is written to just provide a little bit of information that might help you decide.

The options that are out there when it comes to searching for life insurance may be reduced in this particular circumstance.

However, your options are entirely dependent on the type of disability you have and what it means for your health.

If you meet their requirements (or… your condition isn’t life-threatening) and obtain Social Security Disability Insurance (SSDI) you might still be able to buy a plan.

There are three possible classifications that individuals with disabilities face when searching for life insurance; standard approval, substandard and impaired risk.

Disability does not inevitably mean rejection from a life insurance application! Neither should you be afraid nor become immediately accepting of the first quote due to pressure. Make sure to shop around and squeeze as much advice as you possibly can out of advisors.

You can find still low and great rates!

An important tip to remember when working with an advisor is to ask about, their approach to cases they’ve written concerning an insured person with a disability.

The conditions that will still allow you to obtain life insurance, include but are not limited to the following:

  • Specific mental health disorders (anxiety, depression)
  • Specific learning disabilities (dyslexia)
  • Chronic pain disorders
  • Skin conditions (chronic skin infections)
  • Digestive system disorders (inflammatory bowel disease)

Conversely, some disabilities are more likely to significantly impact your ability to get a life insurance policy. Some examples of those disabilities that might limit your option include but, are not limited to the following:

  • Cancer
  • Cardiovascular disabilities (heart disease)
  • Chronic Obstructive Pulmonary Disease (COPD)

The disabilities listed above may limit your options because they are often perceived to be conditions that are more likely to decrease your life span.

However, it can’t hurt to still search around and ask as many professionals as possible.

You can be pleasantly surprised by the outcomes of your research.

Also read: Difference between Mortgage protection and Life Insurance 


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