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A Term Insurance Guide for Disabled People

While term insurance for disabled people might be a daunting task but it is not impossible, with the right term plan, making regular premium payments, one can have an ideal term policy. Read ahead to learn more about the guide for disabled people.

  • Jun 20, 2019

Updated on: 18 July 2023

    Key takeaways

  • The term life insurance for the disabled plan comes with a clause that allows the nominees of the policyholder to receive the sum assured if the policyholder passes away.
  • A term plan for disabled individuals does not offer any benefits on maturity.
  • A term insurance plan is indeed futuristic in its nature. It provides coverage that fits the needs of a disabled individual.
  • When applying for term insurance, it is crucial to provide accurate and comprehensive information about your long-term disability.

With the right term plan, premiums and other benefits, one can have a smooth process of having the ideal insurance plan. Want to know more? Let this guide help you provide valuable information and insights into term disability insurance specifically tailored for disabled individuals.

Understanding Term Insurance

Term insurance refers to a variant of life insurance that grants coverage for a designated duration, referred to as the term. If the insured individual passes away during the term, the beneficiaries receive a death benefit. Unlike permanent life insurance, term insurance does not build cash value and is typically more affordable.

Challenges Faced by Disabled Individuals

Insurance is an essential aspect of modern life, providing individuals and families with financial security in the face of unexpected events. However, for disabled individuals, obtaining insurance coverage can be a challenging and frustrating process. Despite legal protections in place to prevent discrimination, disabled individuals often face unique obstacles that hinder their ability to access adequate insurance coverage. Some of the common challenges faced by disabled individuals are as follows:

Pre-existing Conditions

One of the most significant barriers for disabled individuals is the issue of pre-existing conditions. Many disabilities are considered pre-existing, which means that insurers may deny coverage or charge higher premiums based on an individual’s disability. This practice not only limits access to insurance but also reinforces the stigma and discrimination faced by disabled individuals.

Limited Coverage Options

Disabled individuals often find themselves with limited options when it comes to insurance coverage. Insurance providers may exclude coverage for certain disabilities or offer limited benefits, making it challenging for disabled individuals to find policies that meet their specific needs. This limitation can result in inadequate coverage for necessary medical treatments, assistive devices, or personal care services.

Higher Premiums

Disabled individuals often face higher insurance premiums compared to non-disabled individuals. Insurers may argue that the increased risk associated with certain disabilities justifies the higher costs. However, this pricing disparity places an unfair financial burden on disabled individuals, making it even more challenging to afford insurance coverage.

Lack of Accessibility

Insurance companies frequently overlook the accessibility needs of disabled individuals when it comes to communication and documentation. Many insurers rely on traditional methods of communication, such as phone calls or paper forms, which may be difficult or impossible for some disabled individuals to access or complete. This lack of accessibility creates additional barriers and excludes disabled individuals from participating fully in the insurance application and claims process.

Limited Employment-Based Coverage

Many disabled individuals rely on employer-sponsored health insurance for coverage. However, securing employment can be challenging due to the misconceptions and biases surrounding disabilities. This lack of employment opportunities often translates into limited access to employer-sponsored insurance, leaving disabled individuals to navigate the individual insurance market, which may present its own set of challenges.

Can You Purchase Life Insurance for Disabled People?

Yes, it is possible to purchase life insurance for disabled people. Life insurance coverage is generally available to individuals with disabilities, although the specific terms and conditions may vary depending on the insurance company and the nature of the disability.

  • When applying for life insurance, disabled individuals will typically need to go through the same underwriting process as any other applicant. The insurance company will assess various factors, such as the individual’s overall health, lifestyle, and the severity of the disability.
  • They may also consider the underlying cause of the disability and any associated risks.
  • It is important to note that some disabilities may result in higher premiums or exclusions for certain types of coverage.
  • Insurance companies determine premiums based on the level of risk they perceive in insuring an individual. Therefore, a more severe disability or a disability with potential complications may lead to higher premiums or more limited coverage options.
  • It’s crucial to disclose all relevant information about the disability during the application process. Failure to provide accurate information could result in the denial of a claim later on.

Important parameters to consider while buying a term plan for a disabled individual

It is essential to buy term insurance for disabled people. You need to keep certain things in mind when buying a term plan.


The term life insurance for the disabled plan comes with a clause that allows the nominees of the policyholder to receive the sum assured if the policyholder passes away during the term period. Hence, whenever you choose a term plan, consider the coverage; it should be adequate to meet your requirements.

Premium amount

A term plan for disabled individuals does not offer any benefits on maturity. Hence, when the policyholder survives the policy term, no amount is given to them. However, a term plan is an attractive investment, as it offers protection at a nominal cost. You need to keep the premium amount in mind when you buy term insurance for the disabled. Ensure that the coverage offered by the plan is proportional to the premium paid by you.

Consider inflation

A term insurance plan is indeed futuristic in its nature. It provides coverage that fits the needs of a disabled individual. This is why you need to carefully choose a policy after considering the impact of inflation. Doing this will ensure that there is proper coverage along with sufficient funds in place.

Disclose Accurate Information

When applying for term insurance, it is crucial to provide accurate and comprehensive information about your long-term disability. Disclosing your disability honestly and openly helps insurance companies assess your application and determine the appropriate coverage.

Seek Professional Advice

Consulting with an insurance agent or financial advisor who specializes in working with disabled individuals can be invaluable. They can guide you through the application process, help you understand policy terms, and provide recommendations tailored to your specific needs.

Consider Disability-Specific Riders

Some term insurance policies offer disability-specific riders that provide additional benefits in case of long-term disability. These riders may include a waiver of premium, which exempts premium payments if the insured becomes disabled, or a long-term disability insurance income rider, which provides a regular income if the insured cannot work due to disability.

Compare Policies and Premiums

Obtain quotes from multiple insurance providers and compare policies, coverage terms, and premiums. Consider the affordability of the policy while ensuring it meets your coverage needs.

Wrapping Up

Term insurance can be a crucial financial tool for disabled individuals, offering peace of mind and protection for their loved ones. By understanding the unique considerations related to long-term disability coverage, seeking expert advice, and conducting thorough research, you can make informed decisions about term insurance and secure a policy that meets your specific needs. Remember, each insurance company and policy is different, so take the time to find the best fit for your circumstances.

Kotak e-Term

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  • Life Cover till 85 years for Life & Life Secure Option
  • 3 Payout Options
  • Special Rates for Women
  • Option to exit the policy with premium refund at the age of 60*
  • Special Rates for Non-Tobacco Users
  • Free Medical Check Up every 5th year**

Ref. No. KLI/22-23/E-BB/2435


- A Consumer Education Initiative series by Kotak Life

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