How will my disability affect the approval of my life insurance policy?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Not all disabilities will have an effect on whether or not your life insurance policy is approved or how much the premium will cost.

If your disability is the result of a chronic illness or injury that could contribute toward your death or deteriorating health in future years, it could have an impact on approval because the disability then presents a greater risk to the life insurance company. You could also face a higher cost for your premium.

If your disability is the result of a one-time accident, injury or illness which presents no current or future opportunity for further illness or compromised health, then it will generally not affect the underwriter’s decision on your policy and will not affect the cost of your premium.

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