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...

Full Bio →

Written by

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

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

If your disability makes you uninsurable under an individually underwritten life insurance policy, then the first option you should explore is group insurance. Group insurance is not individually underwritten and is often extremely affordable because premiums are usually subsidized and pooled with many other policyholders. Group life insurance may be available to you through employer and business groups or fraternities.

A guaranteed issue life insurance policy may be a good choice for you if you do not have access to group life insurance coverage. Insurers know guaranteed issue policies are favored by those who may not be able to get regular life insurance so insurers can charge much higher premiums. In addition, your death benefit may only be payable if your death occurs after you’ve held the policy for 24 months.