Can You Get Life Insurance with Parkinson’s?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Getting Life Insurance With Parkinsons

If you have Parkinson’s and want life insurance, insurers will mainly look at two things: how long you’ve had the disease and how severe it is.

  • How Long You’ve Had Parkinson’s: This matters because it gives insurers a sense of how the disease is progressing.
  • Severity of Symptoms: If your symptoms are mild, like just some hand tremors, insurers aren’t too worried. But if you need help walking or have serious problems because of your Parkinson’s, getting coverage might be harder.

Why We Recommend Whole Life Insurance

Whole Life insurance is a good bet for folks with Parkinson’s. Why? It covers you for your whole life and has a cash value that grows over time. This can be really handy later on, especially if you need money to help pay for care.

If You Get Turned Down For Life Insurance

Don’t lose hope if you get turned down for traditional life insurance. You’ve got options:


Yes, you can get life insurance with Parkinson’s. The key is knowing how insurers see your condition and what your options are, especially if you hit a snag with traditional insurance. Whole Life insurance is often a good choice, but there are other routes if that doesn’t work out. Remember, the best way to figure out what works for you is to talk with an expert. Contact us today for a free quote.

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Questions From Our Readers

Can you buy an annuity with Parkinson’s?

Yes! You can purchase an annuity with Parkinson’s. If you have been denied a life insurance policy, a fixed-indexed annuity with a guaranteed lifetime withdrawal benefit is a great option. An annuity can be a supplement on top of a life insurance policy as well.

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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