Life insurance that covers quadriplegia

You may face higher premiums, but an independent agent can help you sort your options.

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As with many health conditions, insurance providers treat quadriplegia differently based on their specific underwriting criteria. Even so, there are some common factors across insurers that can help you find a policy that fits your coverage needs.

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Can I get life insurance if I’m a person with quadriplegia?

Yes, you can still get life insurance with quadriplegia. You’ll likely find that an insurer takes one of three actions depending on its underwriting criteria, how your condition is being treated and the underlying cause of your quadriplegia.

  • Exclude the condition from coverage. Quadriplegia may be excluded from coverage, meaning that the insurer wouldn’t pay the benefit if you passed due to complications brought on by it. Carefully review any policy options to determine if they provide the coverage you need.
  • Offer coverage at a higher premium. An insurer may offer full coverage but do so at a higher cost. Whether the policy is worth the additional cost will depend on your coverage needs and budget.
  • Deny the application. It’s possible that your application will be rejected. You may find you have a better chance of acceptance if you work with a provider that specializes in insuring people who have conditions considered higher risk.

How do I get life insurance if I’m a person with quadriplegia?

The process potentially includes a little more work than it would otherwise, but the routes are fairly similar.

Compare life insurance companies

Name Product Issue Ages Coverage Range Medical Exam Required State Availability
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
All 50 states
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
20 - 80 years old
$25,000 to $10,000,000
All 50 states
Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.
25 - 60 years old
$100,000 to $5,000,000
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.
18 - 80 years old
$50,000 to $25,000,000
Depends on provider and policy
All 50 states and D.C.
Get a quote within minutes from more than a dozen insurers.
18 - 60 (or 55 for smokers)
$50,000 to $350,000
Lifefy is not available in the following states: Hawaii, Illinois, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, Oregon, Pennsylvania, Puerto Rico, Utah, Virginia, Washington
Offers quick, affordable Term and Guaranteed issue life insurance. Coverage up to $350,000. Only available in 38 states.
25 - 83 years old
$25,000 to $1,000,000
Depends on policy
Get a term life quote from eCoverage - starting at as low as $15 per month.
18 - 75 years old
$100,000 to $5,000,000
Depends on provider and policy
Currently unavailable in New York
Apply for a simple instant-decision policy free of charge. Compare quotes from multiple A-rated carriers.

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How do insurers assess quadriplegia?

The underlying condition, your care program and any secondary complications will likely be assessed during the underwriting process. Preventative care to minimize additional issues is also taken into account.

What type of information will I need to provide about my quadriplegia?

Every insurer will have its own set of questions and requirements, but there are some basics you’ll probably want to have on hand.

  • The cause. Insurers are going to evaluate your condition differently if it was caused by something that has a likelihood of recurring, such as a stroke, than if it was due to a one-off incident.
  • Location of injury, if any. If your quadriplegia is due to physical trauma, the location of the spinal injury will likely have bearing on how serious it’s considered.
  • Current treatments. Any care regiments in place to treat the spinal injury, physiotherapy and regular doctor visits are typically seen as positives by insurance providers.

What options do I have if I’m denied coverage?

It’s possible that your application will be denied, but that doesn’t mean you’re completely out of luck. You can find out from the provider why you were denied, and that will likely help shape your next steps.

Guaranteed issue life insurance may be a good option to look into. While your application won’t be denied due to preexisting health conditions, you’ll want to compare policies closely to make sure you’re getting the coverage you need at an affordable price.

Bottom line

Your options will be more limited, but you can still find life insurance with quadriplegia. Working with an independent agent may help ease the process, and you can compare life insurance providers online to get an idea of what’s out there before you apply.

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