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

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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

  • Life insurance for inmates is considered high-risk and will come with more expensive rates and policy limitations
  • The only types of life insurance available to inmates are guaranteed issue life and accidental death & dismemberment
  • Some insurance companies will not approve your application until you are out of jail and out of your probationary period

Life insurance for inmates isn’t impossible to find, but be prepared to pay higher rates for a policy. Life insurance for felons is also limited to certain policy types, which may not provide enough coverage for you and your family.

If you’re looking for life insurance for prisoners, it’s important to shop around for life insurance quotes for inmates from multiple companies. Rates will vary from person to person, but it’s possible to find an insurance company that will be able to fit into your budget.

Having a criminal history will impact your life insurance rates, but there are a few providers who provide high-risk coverage to convicted felons and inmates.

Getting multiple quotes will help you secure the best rates on life insurance. Enter your ZIP code above to get free life insurance quotes from local companies near you at a rate that you can afford.

Can you get life insurance for inmates?

With a criminal background, life insurance companies consider inmates high-risk and will charge higher rates accordingly. Some companies may not approve your application at all until you are out of jail and out of your probationary period.

Because life insurance for inmates poses a higher risk to the provider, you will not be able to get coverage with traditional companies. You will have to shop for high-risk quotes from high-risk life insurance companies, which can limit your options when it comes to policy amounts and types.

Most life insurance companies will shy away from giving life insurance to felons due to the high level of risk.

If you have difficulty finding life insurance for inmates, there are a few state-funded programs that provide death benefits and other resources for families of inmates. A program like that may help keep any out-of-pocket expenses to a minimum.

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What types of life insurance can inmates get?

Providers are restricted by state insurance laws and their own corporate regulations. This means that life insurance for felons is limited to guaranteed issue life insurance policies and accidental death & dismemberment coverage. There can be burial insurance for inmates as well.

Unfortunately the limits don’t stop there. If you choose accidental death & dismemberment coverage, you will not be covered if you die of an illness, disease, or from another pre-existing medical condition.

If you opt for a guaranteed issue life insurance policy, realize that it’s only available to applicants over the age of 50 and coverage maxes out at $25,000. Average funeral costs often exceed this amount, and your family could be responsible for making any remaining payments on your estate.

Fortunately, if you have life insurance coverage before going to prison, your policy will remain in place as long as you continue making payments.

What are the average rates for life insurance for inmates?

On average, guaranteed issue life insurance rates are $63 per month on a $25,000 policy for a 50-year-old.

Accidental death & dismemberment rates are around $60 per year, but you can expect to pay more as an inmate due to the level of risk regarding injuries or other accidents occurring, as well as an individual’s financial situation while in prison.

Use the table below to compare average guaranteed issue life insurance costs and get an idea of what you could be paying for life insurance as an inmate:

AgeGuaranteed Issue Policy AmountAverage Guaranteed Issue Life Insurance Rates for MenAverage Guaranteed Issue Life Insurance Rates for Women
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In Conclusion

The rates for life insurance for inmates will be more expensive than average, and your personal rates will vary based on your age, gender, and any pre-existing health conditions. For your financial security, if you don’t already have a life insurance policy in place, you may want to do some comparison shopping to find companies who are able to assist. Finding affordable life insurance won’t be impossible, it may just take a little bit extra time and research.

We have a free comparison tool that will let you compare quotes from different companies.