Top pick: Sproutt
- Quotes from 40+ top insurers
- Up to $10 million in coverage
- Skip the medical exam
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
If you were in a coma after an accident or illness, it won’t automatically disqualify you for a life insurance policy.
But depending on the cause of your coma and any complications, you may have to pay higher premiums. And you could be denied coverage if an insurance company thinks you’re too high of a risk.
Possibly. Your ability to qualify for insurance depends on how high of a risk you are based on what caused your coma and whether there were any complications.
For example, if you were in a short coma after a car accident and you’re now completely back to normal, most insurers will offer you a policy with competitive premium rates. But if your coma was caused by an underlying health condition, or if you have complications like a traumatic brain injury or lung injury that put you at risk for long-term health problems, it’ll be more difficult to get insurance.
When determining whether your health history makes you a higher risk to insure, you may be asked questions such as:
Possibly. If an insurer decides that your medical history means you’re a higher risk, you’ll have to pay higher premiums. This is more likely if your coma was caused by an underlying condition, you participate in a high-risk that caused your coma or you have complications that currently affect your health.
A coma is a state of unconsciousness where you’re incapable of sensing or responding to external stimuli or internal need for a continuous period of at least 72 hours. Unlike someone who’s sleeping, a coma patient can’t be wakened through physical or auditory stimulation.
The depth of the coma is measured by what is known as the Glasgow Coma Scale, which assigns points based on how responsive a patient is based on their verbal, motor and eye-opening responses.
For example, patients in a lighter coma may open their eyes in response to pain, while patients in a deep coma generally won’t. Some patients in a light coma may even appear to be awake at first glance, but are unable to respond to their environment.
The cause of your coma will have an effect on how easy it is for you to get life insurance. Comas are generally caused by a physical or medical trauma or event, including:
Having been in a coma won’t automatically disqualify you for life insurance or drive up your premiums — but the cause of the coma might. Schedule a doctor’s appointment to find out if you face any ongoing risks and compare life insurance companies that offer coverage for customers with pre-existing conditions.
A permanent life insurance policy’s cash value can be used as a retirement income supplement, though using it reduces your policy’s death benefit.
Which type of disability insurance you have influences how long it’ll take you to receive benefits. Find out how long you may have to wait.
Guaranteed life insurance often has lifelong coverage just like whole life insurance, but comes with a high price tag since there is no medical exam required.
8 ways to give this December that won’t push you into debt.
Learn what to expect from the blood test portion of your paramedical exam.
As a freelancer you may have unpredictable cashflow, but you can still find income protection with term life insurance.
Get your loan payments covered when you experience a disability and can’t work, but with limited coverage.
13 best horror stories where insurance could have saved the day.
Ensure your loved ones’ financial future is protected with both life and disability insurance.
Get coverage while you’re waiting on your medical test results and final life insurance policy.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.