That is a great question! The answer is yes, you certainly can. I can not advise you strongly enough to find an agent who can help you find the right policy for you. There are a few different types of policies available to you, and they can run from very reasonable to unaffordable, depending on what you shown, and the reason for your disability. An experienced agent can find the right policy for you. If you would like to get a more personal answer, please contact me, I'll be happy to set aside some time to talk to you privately. Thank you for asking!
Can disabled people get life insurance? This is an excellent question. There are some simplified issue policies that decline people on disability, as if all disabilities are the same. And disability is used as a factor in determining the health rating for many medically underwritten policies. So your question is very valid.
The answer is "yes", disabled persons can get life insurance. But they need to apply for a policy that fits their particular reason for disability. E.g. If you use a cane for an old knee injury, you should pay much less than a person who uses a cane because he/she had toes amputated for diabetic complications. But if you do not use a company that is suited to your reason for disability, you may find yourself paying the higher price simply because you use a cane.
The causes of disability are as varied as the number of illness and injuries that exist. And insurance companies sometimes treat those who receive Social Security Disability or private disability insurance as different from those who receive military disability benefits. So it does take an impaired risk life insurance broker with knowledge of multiple health conditions to sift through all your choices and find you the best one.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
When a disabled person applies for life insurance there might be a tendency to limit personal information. It is wiser to trust the underwriters with as much information as you can provide. The information provided by your physician can sway the underwriting process. I recently placed a standard policy on a client with a severe, chronic disability. Both the client and I were delighted. It never hurts to ask a trusted agent for help. You might be surprised at the results.
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The answer is "yes", disabled persons can get life insurance. But they need to apply for a policy that fits their particular reason for disability. E.g. If you use a cane for an old knee injury, you should pay much less than a person who uses a cane because he/she had toes amputated for diabetic complications. But if you do not use a company that is suited to your reason for disability, you may find yourself paying the higher price simply because you use a cane.
The causes of disability are as varied as the number of illness and injuries that exist. And insurance companies sometimes treat those who receive Social Security Disability or private disability insurance as different from those who receive military disability benefits. So it does take an impaired risk life insurance broker with knowledge of multiple health conditions to sift through all your choices and find you the best one.