Life Insurance for Disabled Persons

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Life Insurance for Disabled Persons: Eligibility and Underwriting Process

Eligibility Based on Activities of Daily Living (ADLs)

  1. Definition of ADLs: Activities of Daily Living include basic self-care tasks such as bathing, dressing, eating, mobility, and toileting.
  2. Requirement: Individuals must be capable of performing all these activities independently to qualify for life insurance.

Underwriting Process for Disability Causes

  1. Assessment of Underlying Causes: The insurance company will evaluate the root cause of the disability. For example, in the case of an amputation due to uncontrolled diabetes, the focus will be on underwriting for diabetes.
  2. Implications: The underlying health condition influencing the disability is a critical factor in the underwriting process.

Rate Determination

  1. Standard Rates: The best possible outcome for disabled individuals is to qualify for standard rates, which are similar to those offered to individuals without disabilities.

Psychological Disability Considerations

  1. Stability Requirement: For disabilities of a psychological nature, there must be evidence of stability in medication usage for at least one year.
  2. Consistency in Treatment: It’s essential that medications are prescribed by a single doctor, avoiding the practice of doctor shopping.

Brain-Related Disability Criteria

  1. Memory Impairment: Applicants with brain-related disabilities must not have any memory impairments to qualify for life insurance.

Social and Occupational Activity

  1. Importance of Being Socially and Professionally Active: Active participation in social and work environments is crucial. Social withdrawal can negatively impact eligibility.

Wheelchair Users

  1. Requirement for Upper Body Mobility: Individuals who use wheelchairs must have full use of their upper body to be eligible for life insurance.
Life Insurance For Disabled Applicants

Key Factors in Life Insurance Eligibility for Disabled Persons

ADLsFull CapabilityMust perform all ADLs independently
Underlying CauseSpecific AssessmentFocus on the health condition causing the disability
RatesStandard as Best OutcomeBest possible rate similar to non-disabled individuals
Psychological DisabilityMedication StabilityOne-year stability with medication, prescribed by one doctor
Brain-Related DisabilityNo Memory ImpairmentsEssential to have no memory issues
Social and Work ActivityActive ParticipationAvoidance of social withdrawal is important
Wheelchair UseUpper Body MobilityFull use of the upper body is required
Disability Life Insurance


Understanding the eligibility criteria and underwriting process for life insurance for disabled persons is crucial. Key aspects include the ability to perform ADLs, the underlying cause of the disability, rate determination, psychological and brain-related disability considerations, and requirements for social, professional, and physical abilities. By meeting these criteria, disabled individuals can secure life insurance, ensuring financial security for themselves and their loved ones. Contact us today for a free quote.

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Life Insurance Inquiry

Frequently Asked Questions

Does term life insurance cover disability?

No, term life insurance does not cover disability. It provides a death benefit if the policyholder dies during the policy term, but it does not offer disability benefits.

Does disability offer life insurance?

No, disability insurance does not offer life insurance. It provides an income if you become disabled and cannot work, but it does not pay a benefit upon death.

Is it better to have life insurance or disability insurance?

Whether it’s better to have life or disability insurance depends on individual needs. Life insurance benefits dependents after death, while disability insurance provides an income if you can’t work due to disability.

Are life insurance and disability insurance the same?

No, life insurance and disability insurance are not the same. Life insurance pays a death benefit to beneficiaries upon the policyholder’s death, while disability insurance provides an income if the insured becomes disabled.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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