Life Insurance for People With Cystic Fibrosis

Life insurance for people with cystic fibrosis has some limitations. Like other high-risk life insurance policies, there may be a limited death benefit, long waiting periods, and higher rates for cystic fibrosis life insurance. Shopping for life insurance early will help get the cheapest life insurance rates for people with cystic fibrosis.

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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: Dec 9, 2020

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Quick Facts

  • You might find limited life insurance policy options when shopping for life insurance for people with cystic fibrosis.
  • Guaranteed issue life insurance might be the best policy for people with cystic fibrosis. Critical illness insurance, burial insurance, and long-term care insurance are other cystic fibrosis insurance options.
  • Life insurance with cystic fibrosis is often more expensive, has a limited death benefit, and may even have a waiting period before the death benefit can be dispursed. 


Affordable life insurance for people with cystic fibrosis can be hard to get. How do you buy life insurance for people with cystic fibrosis? Getting life insurance with any chronic disease can be more expensive, including life insurance with cystic fibrosis.

We all want the best life insurance at the cheapest cost. That’s why we’ll guide you on how to get no medical exam life insurance, how to get life insurance approvals with cystic fibrosis, and how to get the best rates on high-risk life insurance.

In most cases, it’s best to get life insurance sooner rather than later. Ready to start saving? Take advantage of our FREE quote tool above to get personalized life insurance quotes for people with cystic fibrosis from top life insurance companies now.

Can you get life insurance if you have cystic fibrosis?

People with cystic fibrosis can usually get life insurance but should expect some limitations on policy type, death benefit amount, and life insurance rates. Why do life insurance companies care if I’ve been diagnosed with cystic fibrosis?

Cystic fibrosis (CF) is considered a high-risk condition because it is progressive and there is no cure. CF is a genetic disease that is passed down from a parent, according to the Cystic Fibrosis Foundation, or CF Foundation.

How is a person’s life affected by cystic fibrosis? Sadly, cystic fibrosis tends to cause excess fluid and mucus in the lungs amongst other symptoms. Sweat, mucus, and digestive fluids tend to be produced irregularly.

Cystic fibrosis commonly causes early death due to complications in the lungs. So, how does cystic fibrosis affect life insurance? Life insurance companies view cystic fibrosis as a high-risk chronic disease. Any disease that increases your risk of early death will impact life insurance.

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Can I qualify for life insurance if I’ve been diagnosed with cystic fibrosis? Life insurance for cystic fibrosis patients will likely be more expensive, limited to a few policies, and might not offer as high of a death benefit, but life insurance with cystic fibrosis is possible to get.

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How do I get life insurance with cystic fibrosis?

Patients with cystic fibrosis can get approved for a handful of life insurance policies. You most likely won’t be approved for traditional policies; for example, you shouldn’t expect to get approved for term life insurance with cystic fibrosis.

The best cystic fibrosis life insurance options are no exam life insurance policies. A no medical exam life insurance policy is available to nearly anyone but at a cost. 

To start, a no exam life insurance policy is provided to policyholders without disclosing health-related information. This includes conditions like hypertension, atherosclerosis, heart murmurs, and more.

Since life insurance companies aren’t able to identify your health status, life insurance rates tend to be significantly higher for no exam life insurance policies. No medical exam life insurance policies are available to cystic fibrosis patients in the form of guaranteed issue life insurance policies. 

What is a guaranteed issue life insurance policy?

What’s the catch? What’s better about guaranteed issue life insurance for people with cystic fibrosis? Well, guaranteed issue happens to be one of the few life insurance options for people with CF. 

Since guaranteed issue life insurance is a no exam policy, you don’t have to disclose your condition to life insurance companies. You can often get covered instantly with guaranteed issue life insurance, too.

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The negative side of guaranteed issue life insurance is that it often has a death benefit maximum of $25,000, has expensive rates, and can include waiting periods that could interfere with your death benefit.

We recommend guaranteed issue life insurance on the premise that some insurance is better than no insurance. Based on the above limitations, people with cystic fibrosis might not truly get the life insurance coverage they want.

What cystic fibrosis life insurance policies are available?

Guaranteed issue life insurance is the most common policy for anyone with a high-risk health condition like cystic fibrosis. However, guaranteed issue life insurance isn’t the only option.

People with cystic fibrosis might be able to qualify for a similar type of policy referred to as a children’s critical illness cover or critical illness insurance. 

Most people with cystic fibrosis are already familiar with health insurance coverage for cystic fibrosis. For example, Cigna cystic fibrosis coverage is available, but people with cystic fibrosis need financial support when their final day comes, too. 

Can I get critical illness insurance with cystic fibrosis?

Critical illness insurance policies work similarly to guaranteed issue policies. Both have a cap on death benefits, will cost significantly more than traditional life insurance policies, and likely have a waiting period before the benefit can be applied.

A waiting period is designed so critically ill people don’t buy the best life insurance with cystic fibrosis last-minute, make one payment, and then receive a hefty death benefit after they pass, leaving insurance companies in debt.

Critical illness insurance for people with cystic fibrosis has some benefits. For example, the benefits can sometimes be used to help cover things like medications, missed time from work, and other related expenses. 

You may even be able to purchase riders to make the policy even more fruitful. Some critical illness insurance policies offer long-term care conversion riders for people with cystic fibrosis. Long-term care insurance is one of our other potential recommendations for insurance with cystic fibrosis.

What happens if I can’t get life insurance with cystic fibrosis?

Not every case is the same. Cystic fibrosis life insurance approval depends on the severity of your conditions. If you are 40 years old and are experiencing lung complications, an insurance company might not be willing to cover you. 

In the above example, guaranteed issue life insurance might not be helpful if you won’t outlive the waiting period, usually two to three years. This is why it is important to shop for life insurance with cystic fibrosis as early as possible.

So, what are your other options? The best two suggestions would be to invest in burial insurance and/or long-term care insurance. Both of these policies can help alleviate future debts that are often associated with cystic fibrosis.

Can I get burial insurance with cystic fibrosis?

Burial insurance is designed to cover the costs of a funeral. People with cystic fibrosis have already dealt with added medical expenses for the entirety of their lives, this can be one expense they don’t have to incur or pass on to their family.

While you might need Cigna cystic fibrosis health insurance coverage, you’ll still want to think about financial coverage for your future. Since high-risk life insurance can sometimes be challenging to get, burial insurance is almost always a back-up plan for people with cystic fibrosis.

You might be surprised by the burial insurance options with cystic fibrosis. Sometimes, insurance companies don’t take into account chronic conditions like CF. Other times, you’ll be expected to handle the same pitfalls of other insurance policies with cystic fibrosis.

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Sadly, even senior plan life insurance can be more expensive and have waiting periods. Getting quotes from multiple companies will help you get the best burial insurance for cystic fibrosis.

What’s the trick to finding the best burial insurance with cystic fibrosis? The younger you are, the more likely you are to get the cheapest burial insurance for people with cystic fibrosis.

If you’re worried about future expenses, you might also want to look into long-term care insurance.

Can I get long-term care insurance with cystic fibrosis?

If you’ve learned one thing about cystic fibrosis insurance coverage, it’s that you should start shopping for insurance as early as possible. Shopping for insurance while you are young helps to get the best life insurance rates for people with CF. 

The same holds true for long-term care insurance. What is long-term care insurance? Long-term care insurance provides financial assistance, typically per-diem, for nursing homes or similar skilled-care services. 

Life insurance for nursing home residents is hard to get. If you think that there is a possibility you’ll need skilled nursing care in the future because of your condition, long-term care will lessen the financial burden while you receive that care.

Long-term care, such as nursing homes, can sometimes cost $80,000 annually, so any financial assistance helps. Again, don’t wait too late or you might not get approved for long-term care insurance with cystic fibrosis.

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Life Insurance for People with Cystic Fibrosis: The Bottom Line

Getting the best life insurance rates with cystic fibrosis comes down to a few simple things. Your age, the status of your condition, and the type of insurance you choose will impact your cystic fibrosis life insurance rates.

Life insurance for people with cystic fibrosis might not always be possible but there are other options to help protect you and your family from any additional financial duress.

Looking to get the cheapest life insurance for people with cystic fibrosis? Start shopping for life insurance today with our FREE quote tool below. Fast, easy, and competitive life insurance rates in just a few clicks.

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