Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Disabled people need life insurance for the same reasons as anyone else.
  • Life insurance for disabled drivers includes traditional and nontraditional plans.
  • There are things you can do to improve your chances of qualifying for life insurance even with a disability.

Insurers view applicants with a disability as a greater risk. This makes qualifying for life insurance a challenge. Finding suitable life insurance for disabled drivers can be hard.

Finding the best life insurance companies available is a good place to start. Many disability insurance companies exist. What kind of life insurance do you get with a disability?

Coverage options are available. Learn more about how you can get affordable disability life insurance rates when you enter your ZIP code.

What is the best life insurance for disabled drivers?

There are several different types of life insurance policies available.

Term Life Insurance is the most affordable and popular type of life insurance. They last for a period of time, usually between 10 to 30 years. Learn more about obtaining term life insurance quotes.

Whole Life Insurance is a permanent policy that lasts as long as you keep paying premiums and has a cash value. Thankfully our experts have already found the top 20 best whole life insurance companies for you.

If you can’t qualify for these traditional life insurance policies, other options are worth considering.

Guaranteed Issue Life Insurance can’t turn you down and there are no medical questions or life insurance medical exams. Coverage limits often range from $5,000 to $25,000 of coverage.

Your beneficiaries won’t receive the full death benefit if you die within two or three years of buying the policy unless you died from an accident. Life insurance companies protect themselves from severely ill people that don’t have long to live.

Service-Disabled Veterans Life Insurance provides low-cost coverage of up to $10,000 to eligible service members with a service-related disability. Supplemental coverage is available up to $30,000 for service members totally disabled and unable to work.

Application submissions are needed at least two years from the date that they were granted service-connect disability, be in good health, and don’t receive a dishonorable discharge.

Group or Supplemental Life Insurance from many employers provides affordable life insurance to workers. You typically don’t have to go through an underwriting process to receive the base coverage, such as coverage equal to one year of your salary.

Some group life policies may also have add-ons. You usually qualify when you’re disabled for at least 180 days and under 60 years old.

Funeral and Burial Insurance policies help beneficiaries pay for final expenses. These policies don’t require a medical exam and the application may have minimal or no health questions.

Joint Survivorship Life Insurance, also known as second to die insurance, insures two lives under one policy. This policy pays out the death benefit when both policyholders die.

This is often used to pay estate taxes, fund a trust for a child with special needs, or leave a legacy behind to other heirs.

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What do life insurance companies consider a disability?

Life insurance companies follow the Americans with Disabilities Act (ADA) guidelines. A disability is any physical or mental impairment that substantially limits one or more major life activities.

Common disabilities include attention deficit disorder/attention deficit hyperactivity disorder (ADD/ADHD), blindness, bipolar disorder, multiple sclerosis (MS), and autism.

Can I qualify for life insurance with a disability?

You can get life insurance as long as your disability doesn’t impact your life expectancy. The nature of your disability will affect your choices.

Physical disabilities, like blindness or deafness, may still qualify for traditional term life insurance.

Disabilities affecting your life expectancy may impact a life insurance policy with higher rates, limited options, denial of coverage, or application denial.

You can do a few things to increase your chances of receiving a more affordable rate and qualifying for the coverage you need.

  • Work with an experienced life insurance agent.
  • Apply for an appropriate amount of life insurance.
  • Follow your medical treatment.
  • Exercise and eat well.
  • Regulate your blood pressure.
  • Quit smoking.

Life insurance companies want to see how a disability affects your health. If your disability doesn’t affect your life expectancy, you could receive more affordable life insurance rates.

Compare your disability life insurance quotes when you enter your ZIP code today.