How does having a disability affect my chances of getting approved for life insurance?

Having a disability can affect your chances of getting approved for life insurance, as it may be seen as a higher risk for the insurance company. However, the impact on your chances will depend on the type and severity of your disability, as well as the insurance company's underwriting guidelines. If you have a minor disability that does not significantly affect your life expectancy or increase your risk of mortality, you may still be able to obtain life insurance coverage. In some cases, you may be required to pay higher premiums than someone without a disability, but this will depend on the specific underwriting guidelines of the insurance company. However, if you have a severe disability that is expected to significantly shorten your life expectancy, it may be more difficult to obtain life insurance coverage. Some insurance companies may decline coverage altogether, while others may offer coverage at much higher premiums. In some cases, you may be able to obtain coverage through a group life insurance policy offered by an employer or professional organization. These policies may have less strict underwriting guidelines and may not require a medical exam or health questionnaire. It's important to note that the Americans with Disabilities Act (ADA) prohibits discrimination against people with disabilities in the insurance industry. This means that insurance companies cannot deny coverage or charge higher premiums based solely on a person's disability. However, insurers can consider factors related to a disability that increase the risk of mortality, such as certain medical conditions or lifestyle factors. If you have a disability and are looking for life insurance coverage, it's important to shop around and compare quotes from multiple insurance companies. Working with an experienced insurance agent who is familiar with underwriting guidelines for people with disabilities can also be helpful.