Can you get life insurance if you are disabled?

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...

How will my disability affect my cover?

Your disability may affect the cost of your premiums or, on rare occasion, your likelihood of being accepted.

But for some disabled people, there will be minimal impact on your cover and the price you pay for it.

At Reassured we have a specialist impaired team who can support applicants who have been declined in the past.

The severity of your disability

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.

The affordability of life insurance

On average, living costs are a staggering £975 more each month[1] if you're disabled.

When you also consider that many disabled people are unable to work and some are having their government funding cut, it's easy to see why many don't think they can afford life insurance.

The good news is, at Reassured we could arrange cover to suit your budget, making it more affordable than you may think.

How much life insurance do you need?

Work out how much life insurance you may need based on your current financial commitments and what you want your policy to cover. Simply fill in the fields which apply to you for an instant calculation.


£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.



The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.



The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.



According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.



When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Sources:, &


2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.



If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.


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Insurers don't view all disabled applicants in the same way

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.

Why might you need life insurance?

You'll probably require life cover for the same reason anyone else does.

This need is generally heightened if you've children who rely on you and/or have a mortgage.

Life insurance protection allows you to help:

  • Cover mortgage repayments
  • Help meet future family living costs
  • Cover funeral costs
  • Fund childcare costs
  • Provide an inheritance
  • Clear outstanding debts

To protect the financial future of your loved ones, contact our award-winning team.

Best life insurance for disabled persons

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.

Term life insurance provides protection for a specified period of time, if you pass way during this, a lump sum payout will be made to your loved ones.

As a result, this type of cover is ideal for helping protect a mortgage or children until they become financial independent.

Family income benefit provides ongoing monthly, tax free payments, making it ideal for helping cover a lost income and helping with daily living costs. You can compare quotes here.

Simply get in touch with our team who'll provide you with all of the information you need to make an informed decision.

Whole of life insurance for the disabled

Whole of life cover provides protection for the rest of your life guaranteeing a pay out.

However, it's possible to pay more into the policy than the pay out amount, therefore making it more suitable to those in later life experiencing favourable health.

Contact our team today to see if whole of life cover is the best option for you.

Life insurance for disabled seniors

If you're aged between 50 - 85 you may be best suited to an over 50 plan, especially if your disability affects your likelihood of being accepted.

An over 50s plan offers guaranteed acceptance to all UK residents within this age range, with no medical questions.

Therefore, declaring your disability is not required.

Cover can be arranged up to £20,000 (depending on your age and circumstances), making an over 50s plan ideal for helping cover funeral costs and/or leaving an inheritance.

It's worth noting, most over 50s plans employ a waiting period of 12 - 24 months, where you won't be covered for death by natural causes during this time.

Simply get in touch with our team today to discover if an over 50s plan is the right option for you.

Life insurance for disabled parents

As discussed, being a parent is one of the primary reasons people arrange life insurance; as a means of providing financial protection for their children.

In this instance, most would look to arrange term life insurance cover until their children are financially stable, however, this may differ depending on your requirements for cover.

Read our life insurance for parents article for further information or contact our team today for a free quote.

Life insurance for disabled child

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.

Every applicant is unique

Whether you're registered disabled or not each and every one of us is unique.

What this means is insurers must evaluate each and every life insurance application on its' own merit.

Disability can take many many different forms:

  • Neurological impairment
  • Cognitive impairment
  • Hearing impairment

Reassured can support you with your application, regardless of your impairment.

We can also use our extensive industry knowledge to present you with various policy options to meet your needs, from insurers who are able to offer you cover.

We have a dedicated in-house impaired risk life insurance, team who work tirelessly to find non-standard applicants some form of cover.

Does life insurance pay out for disability?

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.

Terminal illness cover for disabled people

All life insurance policies arranged through Reassured come with terminal illness cover as standard.

This means if you are diagnosed with a life-threatening illness and given less than 12 months to live, you can make an early claim on your cover.

This early payment can be used to help settle your finances, pay for private medical treatment or simply to enjoy your final days with your loved ones.

Life insurance for veterans on disability

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.

Equality Act 2010

As a result of the Equality Act 2010, insurers aren't allowed to discriminate against you just for being disabled.

Under this legislation, which replaced the Disability Discrimination Act 1995, a disability is classified as 'a physical or mental condition which has a long-term and substantial effect on your daily life'.

Let's look at some key UK statistics...

  • 16 million disabled people[1]
  • 23% of working age adults are disabled
  • 45% of pension age adults are disabled
  • £975 more a month on living costs if you're disabled

Disability life insurance quotes

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?



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