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

  • There are multiple life insurance policies for people with disabilities
  • Some policies will have limits on life insurance coverage amounts for those who are disabled
  • Choosing the best life insurance for people with disabilities will depend on the disability and needs of the policyholder

If you’ve recently become disabled, you might be wondering about life insurance companies that accept people who are on disability. Most of these companies will offer no medical exam life insurance or similar policies.

Everyone deserves affordable life insurance, even those on disability. That’s why we’ll break down the types of life insurance for people with disabilities, life insurance riders, and more.

Ready to learn more about life insurance companies that accept people who are on disability? Keep scrolling to learn more or enter your ZIP code to get instant quotes from top insurers in minutes.

Life Insurance Companies That Accept People On Disability

Although there may be some barriers, you should be able to find life insurance policies for people with disabilities. In reality, the life insurance policy you’ll want will depend on a combination of needs and eligibility.

Disabled life insurance rates will depend on the type of disability you have in many cases. Some disabilities are considered minor while others have life-threatening consequences.

What’s considered a disability? A disability can be virtually any condition that impairs the body or mind that limits the ability to perform everyday tasks, according to the Centers for Disease Control and Prevention.

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Disability covers a gamut of conditions and impairments including hearing impairment, Down’s Syndrome, multiple sclerosis, and many more. Can you get life insurance if you have a disability?

In simplest form, you should be able to get life insurance even if you have a disability. Life insurance for special needs adults and life insurance for the mentally disabled might be harder to get, but there are policies out there for everyone.

Which companies offer life insurance for disabled people?

Disabled people do have options for life insurance. Keep in mind that there is a difference between life insurance vs. disability insurance. The simplest way to find affordable life insurance options for people with disabilities is to explore no medical exam life insurance options.

Life insurance with no medical exam will bypass the exam process which allows prospective policyholders to secure a policy without disclosing any health conditions they may have.

Top 20 Best No Medical Exam Life Insurance Company Table
Best CompaniesAM Best RatingProduct NameCoverage TypeIssue AgesCoverage Amounts
AccordiaAFast Lane UnderwritingTerm & Permanent 18-60$25,000 - $1,000,000
American-AmicableATerm Made Simple Term18-75 $50,000 - $400,000
AnicoAXpress PlusTerm & Permanent18-60$250,000 - $1,000,000
AssurityA-Accelerated UWTerm18-65$25,000 - $500,000
Banner LifeA+APPcelerate Underwriting Term20-50$100,000 - $1,000,000
Fidelity LifeA- Rapid Decision ExpressTerm18-65$25,000 - $100,00
ForestersANon-MedicalTerm & Permanent 18-80$50,000 - $400,000
John HancockA+Smart ProtectTerm20-60$100,000 - $1,000,000
SBLIA+TermAccelTerm18-60 $100,000 - $1,000,000
Motorists LifeA-Real-TimeTerm18-75$50,000 - $400,000
Mutual of OmahaA+Express UnderwritingTerm & Permanent18-70$25,000 - $300,000
NationwideA+Intelligent UnderwritingTerm & Permanent18-60$100,000 - $1,000,000
North AmericanA+Write AwayTerm & Permanent18-60$25,000 - $1,000,000
Pacific LifeA+Smooth Sailing UnderwritingTerm & Permanent 50-69$100,000 - $1,000,000
PrincipalA+Accelerated UnderwritingTerm & Permanent18-60$50,000 - $1,000,000
Protective A+PLUS UnderwritingTerm18-60$100,000 - $1,000,000
PrudentialA+PruFast TrackTerm18-60$100,000 - $1,000,000
SagicorA-AccelewritingTerm & Permanent18-65$25,000 - $1,000,000
SBLIAAccelerated UnderwritingTerm18-60$100,000 - $500,000
Transamerica CAANon-Med UnderwritingTerm18-60$25,000 - $249,999
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No exam life insurance policies come in different forms. Whether you’re looking for permanent or term life insurance for people with disabilities, there are companies that provide those options.

The table above offers a strong starting point so that you can compare quotes from multiple no exam life insurance providers to get the best rates available.

Which type of life insurance is the best for people with disabilities?

The life insurance policy you’ll want will depend on your disability and whether or not you’re purchasing the policy for yourself. Many people use life insurance to protect dependents with a disability.

In that case, it might be better to choose a traditional term life insurance policy that has a large death benefit. Alternatively, a permanent life insurance policy that builds cash value could be a good choice.

If you’re a healthy adult and you want to be sure your disabled dependent will be covered, it’s often more important to be sure you buy a policy with plenty of coverage so your dependent won’t have a financial crisis when you go.

If you anticipate large medical expenses while your dependent is still alive, you may want to add a life insurance rider or use a permanent life insurance policy.

Some life insurance riders could help policyholders battle unexpected expenses like medical care if their dependent’s condition worsens. An accelerated death benefit rider can be used for dependents in some cases.

Otherwise, if you’re disabled and looking for a life insurance policy, a no medical exam policy might be the safest best. You’ll want to talk with your insurer to see which no exam policy is best for your situation.

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Life Insurance Companies That Accept People Who Are On Disability: The Bottom Line

Finding life insurance for people on disability isn’t complicated although it does take a little extra research. The life insurance companies that don’t accept people who are on disability likely don’t offer no exam policies.

We hope you enjoyed learning more about life insurance companies that accept people who are on disability. Before you go, enter your ZIP code below to get free quotes from top insurers near you.