Does Life Insurance Cover Injury?

Shawn Plummer

CEO, The Annuity Expert

Does Life Insurance Cover Injury?

Life insurance typically does not cover injuries. The primary purpose of life insurance is to provide a death benefit to the beneficiaries upon the policyholder’s death.

However, certain riders or additional features can be attached to a life insurance policy to provide benefits in case of injury. One such rider is the “waiver of premium” rider.

Waiver of Premium Rider:

  • What It Is: This rider allows you to stop paying premiums on your life insurance policy if you become disabled or suffer from a serious injury that prevents you from working.
  • Eligibility and Terms: The specifics can vary, but generally, you must meet the policy’s definition of disability, which often requires the disability to last for a certain period (e.g., six months).
  • Benefits: If you qualify, premiums are waived, and the life insurance policy remains in force without payment until you recover or meet the end terms of the rider.
  • Cost and Availability: This rider comes with an additional cost and is not available with all policies.

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How Waiver of Premium Rider Works with Life Insurance

  1. Policy Purchase: Add the rider when buying the policy or, in some cases, after purchase.
  2. Injury or Disability Occurs: If you suffer an injury or disability that meets the policy’s criteria.
  3. Claim Submission: Submit a claim along with the required medical evidence.
  4. Premium Waiver Activation: Upon approval, premiums are waived for the duration of your disability.
  5. Policy Continuation: The life insurance policy remains active as if premiums are being paid.


While life insurance itself does not cover injuries, a waiver of premium rider can provide financial relief by waiving premiums during periods of disability due to injury. This rider ensures that your life insurance protection continues even when you’re unable to work and pay premiums. Remember, each policy has specific terms and conditions, so it’s important to understand the details of your policy and its riders.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, 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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