Life Insurance for People with Disabilities

life insurance for people with disabilities

Getting life insurance for people with disabilities is a little more complicated than for someone without disabilities. The important thing is that it’s not impossible. People with disabilities are protected by the Americans with Disabilities Act, which prevents insurance companies from denying coverage or discriminating against someone specifically because of a disability.

How People with Disabilities Can Get Life Insurance Coverage

A lot of disabilities don’t significantly affect your life expectancy, so as long as you don’t have other risk factors, then insurance companies are happy to issue a life insurance policy. Some disabilities are life threatening, but you can still get life insurance coverage. Unfortunately, the policy will probably cost more than if you didn’t have a disability.

How to Get Lower Life Insurance Rates

There are certain things you can do involving your health to get a lower life insurance rate. These are especially important to follow when you have a disability. Any other risk factors will instantly bring your policy rate up higher.

    • Control Blood Pressure and Cholesterol

Insurance companies are less likely to raise your rates if you are on medication for high blood pressure or high cholesterol because that means you are keeping it under control.

    • Lose Weight

Understandably, it is hard to exercise when you have a disability, but weight is also greatly affected by your diet, which can be controlled. Being overweight is one of the biggest risks that life insurance companies look at since heart disease is the number one cause of death in the United States. There are also workouts for people in wheelchairs that can be done to lose weight.

    • Stop Smoking

If you smoke cigarettes, you are automatically placed in the lowest health rating group. Although it can be hard to quit, it can lower your premiums substantially if you are a non-smoker.

Working with a life insurance agent is one of the best ways to get a lower life insurance rate. An agent compares plans from a variety of different insurance companies to find you the best plan for the best rate.


LifePlan Financial

At LifePlan Financial, we pride ourselves on our quality work, our honesty to our clients, and the reliability we provide. Getting life insurance doesn’t have to be a hassle when you use LifePlan Financial. Contact us today for any questions or get an instant term life insurance quote to get started.

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