Updated: October 22, 2019

Life Insurance for People with Disabilities

There are specialist life insurance policies for people with various disabilities. Read through our guide to find out how to choose the right one for you

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: October 22, 2019

Life insurance is readily available for people with disabilities. Insurers aren’t allowed to discriminate by refusing a policy to someone who is disabled, according to The Equality Act of 2010.

However, as with all aspects of insurance, every applicant is unique and there are a few things you should be aware of before you begin your search for life cover.

This article will help you understand the major considerations to take into account if you’re disabled and looking for life insurance.

If you’re disabled or want to find out about arranging life cover for someone with disabilities, save yourself time, hassle and money by talking to one of the life insurance advisors we work with.

Call 0808 189 0463 or make a quick enquiry for a free, no obligation chat.

All the experts we work with are independent with access to insurance providers across the UK. We’ll match you with an expert who knows which insurers offer the right cover at the best price to customers with disabilities.

Can I get life insurance with a disability?

The answer is yes! You can get life insurance with a disability. However, the process for approving applicants with disabilities can differ significantly between insurers: not all insurers view disabled applicants in the same way.

Each provider will have their own criteria for determining the level of risk a client may pose. For example, one provider may deem your disability to be higher risk than another and so charge a higher premium.

The insurance advisors we work with understand the details of how insurers’ judge disability risk and can take you directly to the providers with the best available quotes for premiums.

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Affordable life insurance for the disabled

There are affordable options for life cover available for the disabled – even in cases where an applicant has previously been declined or had trouble finding affordable life cover. Many people with minor disabilities are even able to obtain cover on standard terms.

However, factors specific to your disability and life situation will be key to determining the specific terms and premiums a provider offers.

Depending on your needs and situation, the most affordable option an accidental death policy, a guaranteed issue whole life product, or a life cover that doesn’t require a medical examination.

In addition, life insurance with pre-existing medical conditions is an alternative life cover for disabled people. It can be useful for people who might find affording premiums difficult, or those who are rejected for standard life cover. However, this alternative cover will not payout if the policyholder’s disability is the cause of their death.

An insurance expert can help advise you on which cover type of cover you’re likely to qualify for and which insurer could give you the best quote. Call 0808 189 0463 or make an enquiry and we’ll put you through to one of the experts we work with.

Getting life insurance for disabled adults in the UK

Life insurance is one of the most popular policies for people in the UK, and disabled adults are no exception.

Insurance is widely available for all types of disabilities in the UK, including:

  • neurological conditions
  • hearing/visual impairments
  • musculoskeletal
  • cognitive impairments, etc.

In most cases, you can take out life insurance on behalf of a disabled family member or partner. However, the disabled person will have to sign off on the life insurance.

Whether you have a disability, or you’re looking for life insurance for a disabled loved one, it’s worth speaking to an insurance expert who has a solid grasp of the UK life insurance market. Call 0808 189 0463 or make an enquiry for a free, no obligation chat.

The insurance advisors we work with know which insurers are the most disability-friendly and can help you secure the best rates on your premiums.

Does life insurance cover long term disability?

Life insurance won’t payout for disability – it’s designed to act as a financial buffer that pays out after the death of the policyholder.

However, if you include critical illness in your life cover, you could receive an early payout for a disability.

Critical illness cover can often be added to your life insurance policy or you can get it as a standalone policy.

If you become permanently disabled after a serious illness or accident, critical illness cover would enable you to make a claim and receive invaluable funds to replace lost income.

If you’d like your life cover to also cover disability, get in touch to speak to an expert insurance advisor for free, no obligation advice.

The severity of a disability impacts life insurance

In the majority of cases, you will be able to secure life insurance with a disability.

Disabilities come in many forms; some may affect a person’s life expectancy, while others may be very minor and not seriously impact a person’s work or life.

Insurers will assess a disability in the same way they assess other pre-existing medical conditions. They can only actually reject your application if there is proof that your disability affects your life expectancy.

However, the severity and type of disability will directly affect the cost of insurance premiums and policy. For example, taking strong medications such as steroids will increase the cost of premiums.

Even in harder to place cases, we know that with the help of an insurance advisor obtaining life insurance with a disability isn’t a difficult or time-consuming endeavour. Make an online enquiry to be connected to one of the expert , independent advisors we work with.

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If the disability is fairly minor, it’s likely you’d be offered a near-standard policy rate. But whether a person’s disability is severe or mild, with the help of an insurance expert, you can secure the financial future of your loved ones.

As with all major financial decisions, it’s vital you compare multiple quotes to get the best price.

Call 0808 189 0463 or make an enquiry and we’ll connect you to an expert who can search both major insurers and smaller specialists to find your best quote, saving you time, money and a heap of hassle.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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