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Life insurance for people with Disabilities and Health Conditions
At Strickland Life Insurance Company, we specialize in providing life insurance solutions for those with disabilities or serious health conditions who need more than basic final expense coverage. We are committed to helping individuals manage their insurance needs, regardless of their health status.
Disabilities encompasses a wide range of physical or mental conditions that affect daily activities and interactions. Examples include:
While some disabilities may not impact life insurance rates significantly, conditions like PTSD, anxiety, or advanced stages of illness might.
Life insurance companies consider several factors when underwriting policies for those with disabilities:
Options vary depending on the severity of the disability:
Consulting with a knowledgeable life insurance agent is crucial for finding the best coverage options for your specific condition. An experienced agent can navigate the complexities of underwriting and avoid the pitfalls of online quotes and denials.
The amount of insurance you can obtain may be influenced by factors such as previous income and current financial status. An agent will help you determine appropriate coverage levels based on your unique circumstances and needs.
For personalized advice and to explore your options, contact us to schedule a consultation. Our goal is to ensure you get the coverage you need with no undue stress or complications.
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Disability is a broad term for a range of physical or mental conditions that makes it more difficult for the person with the condition to do certain activities and interact with the world around them. There are many types of disabilities, including those that affect:
A back injury that doesn’t affect your life expectancy won’t likely affect your life insurance rates. But conditions such as PTSD, anxiety, or depression could.
Since underwriting processes vary among life insurance companies, it’s challenging to pinpoint disabilities that will automatically result in an application denial. However, these conditions will likely affect your rates or your ability to get coverage at all:
But generally, if you’re in good health aside from your disability, insurance companies might be willing to approve a life insurance policy—unless you’re on high doses of pain medications or narcotics that you may be addicted to.
While underwriting guidelines vary among companies, the life insurance underwriting process revolves around predicting your life expectancy (called mortality by insurers). You’ll be grouped into a life insurance underwriting class depending on your health and other factors that can affect your lifespan. The underwriting class will help determine your rate.
Disabilities can be mild or severe, and hidden or obvious. Still the question remains: Can you get life insurance while on disability or if you’re disabled?
Many agencies do not have these resources to help these clients and send them to us.
The Americans with Disabilities Act (ADA) specifies that people with disabilities can’t be denied certain services. Since disabilities can affect your overall health and life expectancy, however, life insurance companies are allowed to consider your disability when determining how much life insurance to offer you, and what to charge for your premium. How you manage your disability, the severity of your disability, and your family history all affect how your disability impacts your insurance options and rates.
How does disability insurance work? There are several factors insurance companies consider when they issue life insurance for people with disabilities:
Types of life insurance for people with disabilities
Does term life insurance cover disability or people who are disabled? What about other options? The products available to you will ultimately depend on how serious your disability is. If your disability is relatively mild, you may qualify for conventional term life or permanent life insurance coverage.
The best strategy is to work with an experienced life insurance agent who will know which companies are most likely to offer coverage for those with your condition. They should be able to anonymously shop your application around to see who’s willing to offer coverage.
Life insurance buyers with disabilities should not try to go it on their own by getting quotes online and submitting applications that might be denied. Denials go on your record and can make it even more difficult to buy life insurance.
Suppose someone had a back injury and they are now disabled. Let’s say they were only making $20,000 a year before their injury and are now on disability. In that case, the insurance company may limit the coverage to a small amount.
On the other hand, suppose someone runs a family business and has a net worth of $2.5 million. In this case, you would have a much better chance of getting a high amount of life insurance to cover financial obligations and business succession.
An agent who is your advocate will need to ask more details on medications and health conditions so schedule a time to go over all the options or receive your quote. We can get quotes in 10-15 minutes.
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