Life Insurance for Disabled People 

Find a cheap quote for disabled life insurance

Finding the right insurer who’ll meet all your life insurance needs can take time. Quotezone can lend a hand by comparing providers.

More than 3 million customers use our comparison tool to compare insurance policies and you’ll have a range of cheap quotes for disabled life insurance within moments. Compare quotes from over 100 providers across the UK with our independent, unbiased service.

If you still have questions, read on to find out the key things to look at when taking out life insurance for disabled people.

Can you get life insurance if you have a disability? 

Yes, Quotezone compares insurers that cover a wide range of disabilities.  

Many insurers will allow a family member to take out life insurance on behalf of a disabled individual. The recipient of the policy just needs to understand it and sign off on it.  

Will my disability affect the cost of my life insurance? 

If you have a minor disability, you may find your insurance costs are equivalent to a standard policy. 

For disabilities which have a greater effect on your life, the cost will usually be influenced by: 

• How severe the disability is 
• Whether your disability impacts your daily life 
• If or how your disability affects your internal organs and general health 
• The type of medications you take as a result of your disability 
• Your life expectancy 

It’s worth noting that there may be some exclusions on your policy based upon the information you provide about your disability. 

Can an insurer refuse my application for life insurance? 

Insurance companies are not allowed to discriminate against you because you have a disability. To refuse you, the insurance company must prove that your disability will affect your life expectancy. 

Do I need disabled life insurance? 

It can be helpful if you have a partner, children or family members who rely upon you. Life insurance can help cover the costs of your funeral. Life insurance can be useful if you contribute to the mortgage on the family home.  

I only have a minor disability. Do I need life insurance for disabled people? 

It’s important that you’re completely honest with an insurer about any disability you have. If you lie about a health issue it could void your policy. This could have a big impact on your loved ones if it affects life insurance.  

How can I reduce the cost of my life insurance? 

Reducing your BMI if you are overweight, and quitting smoking can reduce premiums.

Why is life insurance for someone with a disability more expensive? 

Individuals with a disability are more likely to claim. This means they are seen as a greater risk.