Life Insurance for People with Disabilities

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.

In this article, we cover:

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.


We'll match you with your perfect financial advisor

Save time and money with an expert who specialises in cases like yours

We'll match you with your perfect financial advisor

Save time & money with an expert who specialises in cases like yours.

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.



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 endeavor. Make an online enquiry to be connected to one of the expert , independent advisors we work with.



Speak to an expert advisor today

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.

We'll match you with your perfect financial advisor

Save time and money with an expert who specialises in cases like yours

We'll match you with your perfect financial advisor

Save time & money with an expert who specialises in cases like yours.

We’ll match you with your perfect financial advisor – for free.