Life Insurance for Adults With Learning Disabilities

Affordable life insurance for adults with learning disabilities provides financial support for the beneficiary. While disabilities can impact rates, life insurance for mentally disabled people is usually unaffected by learning disabilities unless it affects the policyholder’s life expectancy. Life insurance for adults with learning disabilities includes term life and permanent life options.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Aug 30, 2021

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Quick Facts

  • Learning disabilities usually don’t affect life insurance rates or eligibility
  • You can purchase coverage for a disabled dependent
  • Life insurance plans can supplement disability benefits

Term life and permanent life insurance are available for adults with learning disabilities. A disabled person or their caretaker can purchase coverage. Learning more about life insurance for special needs adults will help you find the right coverage.

Before learning about life insurance for adults with learning disabilities, enter your ZIP code to find free life insurance quotes in your area.

Can you get life insurance for adults with learning disabilities?

The Americans with Disabilities Act (ADA) protects people with disabilities from being denied certain services. However, since disabilities can affect your health and life expectancy, life insurance companies can consider your disability when determining rates and eligibility.

If your disability impacts your life expectancy, it can result in higher rates and fewer plan options. But since life insurance companies are primarily concerned with life expectancy, you usually won’t have a problem getting life insurance quotes for adults with learning disabilities.

When your disability doesn’t affect your life expectancy, you can usually get any policy offered to a non-disabled individual. You will likely not even see higher life insurance rates for adults with learning disabilities than the average applicant.

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What type of life insurance for adults with learning disabilities is available?

When shopping for affordable life insurance for adults with learning disabilities, the available policies depend on the severity of the disability. Relatively mild disabilities, like a learning disability, allows the person to qualify for conventional term life and permanent life insurance coverage.

If the health of the policyholder or dependent disqualifies them from coverage, most life insurance companies offer guaranteed issue life insurance. This type of coverage features a smaller death benefit but is a no medical exam life insurance policy, making acceptance automatic.

In addition to the traditional life insurance options, there are other types of life insurance for a person with a learning disability. Other types of life insurance for a special needs adult include:

  • Final expense insurance
  • Group life insurance
  • Joint life insurance

While disability insurance provides income if you can’t work, life insurance only provides support after death. However, most life insurance companies offer a disability income rider, creating a monthly stipend if the policyholder or dependent is disabled and can’t work.

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How can you purchase life insurance for adults with learning disabilities?

If you’ve decided to purchase a life insurance policy for a person with a learning disability, you might be wondering how to choose life insurance for people with disabilities.

These are a few steps that you can take to find the right coverage:

#1 – Determine your desired policy

As previously mentioned, adults with learning disabilities are usually eligible for any conventional life insurance policy. The first step is to determine the type of policy needed. This decision depends on the health of the caretaker and of the disabled person.

#2 – Compare life insurance quotes

The next step is to find a life insurance company for adults with learning disabilities. Comparing quotes from different insurance companies will help you find the most affordable coverage.

#3 – Complete the underwriting process

Most life insurance policies require a phone interview and a medical exam. These allow the life insurance company to determine eligibility and rates. The rates for life insurance for mentally disabled people are usually similar to non-disabled applicants.

#4 – Sign policy documents

The final step in purchasing life insurance for adults with learning disabilities is to sign the policy documents and make the first payment. At this point, you will officially be covered by life insurance.

Why should you buy life insurance for adults with learning disabilities?

Learning-disabled adults are often unable to provide a stable income. A life insurance policy allows you to continue supporting them after you pass away. Policyholders can use coverage to supplement income or disability benefits, ensuring their financial stability.

While a learning disabled person can be a policyholder, a life insurance plan can also cover a dependent. Caretakers that purchase a policy for a disabled dependent have the same coverage options, but the caretaker is the policyholder.

In this case, you would name either the dependent, a trust, or another caretaker as the beneficiary. This choice depends on whether the dependent can manage their finances. The most important thing is that the death benefit goes toward their care.

A popular option is to name a special needs trust as the beneficiary. This option allows the caretaker to specify how the funds should be used and is managed by a named trustee. A co-trustee, such as a lawyer or firm, will ensure that the funds are used as stated.

A special needs trust also allows the dependent to remain eligible for needs-based benefit programs, like Medicaid or Supplemental Security Income (SSI), that help with medical and everyday expenses.

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Life Insurance for Adults with Learning Disabilities: The Bottom Line

Life insurance for a learning-disabled adult can provide income replacement when a caregiver is no longer around.

Coverage usually doesn’t result in increased rates or eligibility problems, allowing any learning disabled adults to be covered. Understanding life insurance for adults with learning disabilities will help you find the best option.

Now that you know about life insurance for adults with learning disabilities, enter your ZIP code to get free life insurance rates in your area.

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