Life insurance
for disabled people

Yes, it's possible to secure life insurance if you have a disability.

Even if you've previously been declined or struggled to find affordable life cover in the past, there are options available.

Factors such as the severity of your disability and the impact it has on your life expectancy are key influencers.

Although rest assured, those with disabilities are able to obtain cover, some on standard terms.

This article identifies the key considerations if you're disabled and require life insurance...

As with most aspects of life insurance, no two scenarios are ever the same.

Disabilities come in many forms, some very severe which affect your life expectancy; others, more minor which don't affect your ability to work or live an active life.

Sometimes people are born with their disability, whilst others are as a result of a serious accident.

Either way, you may be able to secure some form of life insurance.

Disability is often seen much like other pre-existing medical conditions in the eyes of the insurer.

In fact, an insurer can only reject your application if they can prove that your disability affects your life expectancy.

That said, the severity and type of disability you have will impact the type and cost of life insurance you're able to secure.

For more information on how the severity of your disability will affect your cover, contact our experts today.

Insurance providers employ different criteria to determine the level of risk you pose.

Underwriting processes can actually differ significantly between insurers.

For example, one insurer may deem your disability significantly more high risk, than another.

Because of these differences in approach between life insurance providers, the cost of your monthly premiums may vary.

Our team can compare quotes to present you with the insurers most likely to accept your application.

Therefore, using our life insurance broker service could improve your chances of securing suitable life insurance cover at an affordable price.

There are a number of different types of cover, each better suited to protecting different aspects within your life.

Therefore, the best type of cover will be the one most suited to the aspects within your life you're looking to protect.

Many parents look to insure the lives of their children, although this may not be the most beneficial use of cover.

Losing a child, as devastating as it may be, doesn’t tend to bring with it a financial loss.

Therefore, the need for life insurance is less necessary.

As a result, it's usually recommended to protect parents’ lives instead.

However, critical illness cover can include protection for your children, helping you to cover lost income if you have to take time off work.

Some providers include this as standard whilst others treat this as an optional benefit and charge an additional cost.

Simply contact our team today to discuss your policy options.

No. Unfortunately, life insurance doesn’t pay out if you become disabled.

However, whilst your life insurance won’t pay out you could receive an early pay out if you have critical illness cover included.

Critical illness can come in the form of a standalone policy, or as part of life insurance cover for an additional cost.

If you’ve become totally permanently disabled as the result of a serious accident or illness and have critical illness cover you can make a claim, so long as the circumstances are included within your policy.

The proceeds from a pay out could be used as you wish, such as to help clear your mortgage and/or meet future living costs.

If you’re no longer able to work, these funds could prove invaluable for you and your family to replace a lost income.

It is possible to add critical illness cover to all term life insurance policies arranged through Reassured, so simply get in touch today for your free quote.

If you're a former member of our Armed Services and been injured in action, it's still possible to secure life insurance.

However, again, the severity of your disability will determine how easy it is to secure cover and how much your premiums will cost.

Our in-house impaired team have a proud history of working with military veterans and helping them secure suitable cover.

As with all types of life insurance, it's imperative that you compare multiple quotes, as prices vary.

Our dedicated impaired team could help you find the right cover, even if you've previously been declined.

We're here to help you secure the financial future of your loved ones and can search major insurers as well as smaller specialists.

And the best bit is our award-winning broker service is completely fee-free.

Why not challenge us to find you your best life insurance quotes today?