How to Get Term Life Insurance With Osteoporosis

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites. You can find him on Twitter.

Full Bio →

Written by

UPDATED: Aug 6, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We partner with top life insurance providers. 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 life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Osteoporosis is the most common type of bone disease, and it poses a major health threat to 28 million Americans.  An estimated 10 million Americans have osteoporosis, and the other 18 million have low bone mass, a condition known as osteopenia, which may lead to osteoporosis.

Osteoporosis affects men as well as women. However, one out of five American women over the age of 50 develop osteoporosis.  Approximately half of all women over the age of 50 will suffer a fracture of the hip, wrist or vertebra (bones of the spine) because women have less bone tissue and lose bone more rapidly than men due to menopause.  Small, thin-boned women, Caucasian and Asian women are at greatest risk for developing the disease. If you have been diagnosed or are currently being treated for osteoporosis, there is a good chance that you will pay a slightly higher rate for life insurance.

But this doesn’t mean you can’t get approved for the best rating class with the lowest premium possible. How? You first need to understand how life insurance companies handle applicants with osteoporosis. What do they look for? How can you prepare? What is the likely outcome?

Read on to find the answers and get started with your term life insurance application.

Osteoporosis Statistics

As of 2011, the following numbers show the significance of osteoporosis:

  • Osteoporosis is a major public health threat for 44 million Americans (68 percent are women).
  • In the United States today, 10 million individuals already have osteoporosis, and 34 million more have low bone mass, placing them at increased risk for this disease. One in ten people will have a seizure in their lifetime.
  • One out of every two women and one in four men over 50 will have an osteoporosis-related fracture in his or her lifetime.
  • Osteoporosis is responsible for more than 1.5 million fractures annually, including 300,000 hip fractures, approximately 700,000 vertebral fractures, 250,000 wrist fractures, and more than 300,000 fractures at other sites.

The Impact on Your Life Insurance Policy

When you apply for a life insurance policy, you will have to take a medical exam. During this exam, you will be asked questions about your family history, medical history, lifestyle, and smoking and alcohol usage. The person administering the exam will measure your height, weight, pulse and blood pressure.

What Life Insurance Companies Look For

Life insurance companies are concerned that those who have osteoporosis are taking the proper precautions to keep it under control. A medical history of regular physician checkups is important to the company.

The life insurance company will be looking specifically at:

  • When you were diagnosed
  • What your diagnosis was
  • What steps you have taken since your diagnosis
  • The degree of control as illustrated by medical records, height/weight and lab test results
  • What type of treatment
  • Any other medical conditions present
  • Whether you are a tobacco user

How to Prepare for Your Term Life Insurance Application

There are important measures you can take to prepare yourself before applying for term life insurance. Doing so will help your chances of getting approved for the best rating class possible. Use the following tips to put yourself in the best position to win:

  • Visit your doctor as often as recommended.
  • Follow your doctor’s advice regarding medication and treatment.
  • Make sure your medical records are regularly updated. This is crucial! The life insurance company will rate your application poorly if it is unable to determine your level of control.
  • Get any other complications under control. For example, if you also have high blood pressure, make sure it is being treated as well!

What Our Experience Has Shown

We’ve helped thousands of people apply for term life insurance, and many of those people had osteoporosis. Here are a few things we’ve learned:

  • Premiums are lower for those who diet and exercise or keep their blood pressure down with medication
  • Premiums are higher for those who do not follow up with a doctor regularly.
  • We recommend getting a policy in force first at a premium rate you can afford. You can then focus on improving the rating class through better control or lab results.

Real Examples from Real Customers

Good Outcome:

Sandra applied for term life insurance when she was 55 years old.

  • Diagnosed with osteoporosis at age 49
  • Sandra experiences minimal pain has no deformity and is not on a continuous treatment plan
  • No other additional conditions found
  • Visits doctor regularly
  • Non smoker
  • Outcome: Approved at a Standard rating class
  • Premium: $ 145 monthly

Not So Good Outcome:

Sarah applied for term life insurance when she was 51 years old.

  • Diagnosed with osteoporosis at age 47
  • Sarah experiences moderate pain and is treated with frequent drug therapy
  • No other additional conditions found
  • Non Smoker
  • Outcome: Standard Table 2
  • Premium: $ 149.47 monthly

Poor Outcome

Annalisa applied for term life insurance when she was 55 years old.

  • Diagnosed with osteoporosis at age 50
  • Annalisa experiences severe pain, has serious restrictions in movement and is treated with continuous drug therapy
  • Outcome: Declined 

You can see Sandra had the best outcome because her case was mild and she experienced minimal pain. Receiving regular follow up appointments with her doctor also helped. Sarah’s osteoporosis is more severe, and although she had no other medical conditions and good follow up results, her continuous treatment gave her a higher premium. Finally, Annalisa had the poorest outcome. Her osteoporosis is severe, and her condition is not stable. This along with her movement restrictions and continuous treatment plan resulted in the decline of her application.

What This All Means to You

The good news about applying for term life insurance when you have osteoporosis is — yes, you can qualify for coverage! The bad news is the approval, and rating class can be very unpredictable and subjective. However, if you follow the advice we’ve provided and, more importantly, discuss your situation with your life insurance agent or broker, you can have a positive outcome.

And remember, if you are not pleased with the offer you receive, you can always try with another company or put the policy in force and work on improving the rating class through better control and lab results.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

QuickQuote is a BBB Accredited Business. QuickQuote Financial, Inc. BBB Business Review