Does Life Insurance Cover Pandemics?

Shawn Plummer

CEO, The Annuity Expert

Understanding Life Insurance Coverage in Pandemic Situations

Life insurance policies generally cover death due to illness, including pandemics. This means if the insured person dies due to a pandemic illness like COVID-19, the beneficiaries are typically entitled to the death benefit.

Coronavirus And Life Insurance

Specifics of COVID-19 and Life Insurance

  • Standard Policies: Most standard life insurance policies do not exclude pandemics. Therefore, if a policyholder dies due to COVID-19, their beneficiaries should receive the policy’s death benefit.
  • Application During Pandemic: Applying for life insurance during a pandemic may have additional considerations. Insurers might have specific questions about travel or exposure to COVID-19.
  • Existing Health Conditions: If a policyholder with pre-existing health conditions dies from a pandemic-related illness, the claim will likely be honored, provided the policy was in effect before the pandemic.

Factors to Consider

  • Policy Terms: Always review the specific terms of your life insurance policy.
  • Disclosure: Accurate disclosure of health information is crucial when applying for a policy.
  • Premium Payments: Ensure premiums are up to date to maintain coverage.
Do Life Insurance Policies Exclude Pandemics

Life Insurance Coverage During Pandemics

AspectCoverage DetailNote
Pandemic DeathsGenerally CoveredIncludes COVID-19
Policy ApplicationMay Involve Extra ScrutinyEspecially if applied during a pandemic
Pre-existing ConditionsCoveredIf the policy was in effect prior to the pandemic


Life insurance typically covers deaths due to pandemics, including COVID-19. Policyholders should review their policies for specific terms and ensure that all health information is accurately disclosed. The key is maintaining premium payments and understanding the specifics of your policy.

Need Help Getting Life Insurance Coverage?

Contact us if you need help purchasing a life insurance policy. The service is free of charge.

Life Insurance Inquiry

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

Scroll to Top