Life Insurance For Amputation – What You Need To Know!

Written by Life-Wealth-Win

If you are looking for a life insurance with amputation, and you are an amputee, then you have come to the right place!

Many physical impairments can happen within our bodies, and having a limb amputated is just one of the many the insurance companies consider before issuing a life insurance policy.

Amputation presents some challenges that other illnesses do not. If you are an amputee, there are life insurance plans you will qualify for, and some that you will not.

You may think that is fair or unfair, but all insurance companies have different underwriting procedures. We can help you get qualified for the best life insurance term policy possible! If you are looking for a whole life insurance policy for an amputee, or a universal life insurance policy, we can help you there.

Amputation can occur in many different ways. Here are just a few:

  • Accidental amputation
  • Auto accident
  • At home accident
  • Birth defect (technically not an amputation, but the physical impairment is the same)
  • Disease related
  • Hobby related
  • On the job accident
  • Professional sports/racing
  • Wartime injury

Why are insurance companies concerned if I have an amputated limb?

Life insurance for amputation cases is available for most people. If you are wondering “What kind of life insurance can I get if I am an amputee?” or “What kind of life insurance can I get if I have an amputation?”, then we can offer you some insight.

If you became an amputee because of an accident, the insurance will view your diagnosis differently than if you became an amputee because of a disease.

Although developing prosthetics has improved dramatically over the years, some amputees are more prone to accidents because of their amputation. Having all your limbs is a precious gift that most people take for granted.

Amputees have a set of challenges that can make daily functions and safety more difficult…especially as we are seeing more service members come home from overseas with other devastating injuries and amputations (or multiple amputations). Thank you for your service, ladies and gentlemen of our armed forces!

Losing a finger or toe will have much less of an impact on your daily functions than losing an arm or a leg. You can qualify for the best term life benefits available if you are missing a finger or toe…or two.

The insurance company will want to know what body part has been amputated, how it affects your daily function, and whether the amputation resulted from a disease or accident.

What kind of amputee life insurance coverage can get I get?

Depending on your current health and how you became an amputee, you should qualify for several types of life insurance policies. If you lost a leg because of a car accident, it will be viewed much differently than if you lost a leg because of a disease that interferes with blood circulation.

Most amputees should have no problems qualifying for the best term rate policies available.

If you are looking for a term life guaranteed acceptance policy, these do not exist. You will always have to qualify for term life insurance. If you are looking for other guaranteed acceptance life insurance, we can help you with some guaranteed issue life insurance coverage options.

Life insurance for an amputee – how much life insurance can I get?

Does life insurance cover amputation survivors? This will depend on how you became an amputee and what limbs were amputated.

If you had a finger amputated because of an accident, this would not affect your ability to get any life insurance policy available. However, if you had a finger amputated because of an accident and had congestive heart failure, your ability to get life affordable insurance would be much more limited (as the congestive heart failure is a big concern to the insurance companies).

Here are life insurance amputation case examples:

  • If you had an arm amputated because of a wartime injury, you can qualify for some of the best life insurance rates possible.
  • If you had an arm amputated because of a wartime injury, but you also experienced a stroke or other serious life-threatening condition in the past, your ability to get affordable life insurance will be much more limited (because of your stroke or health history).
  • If you had a leg amputated because of an accident, and you were 6 feet tall and 185 pounds, you could qualify for good life insurance rates.
  • If you had a leg amputated because of an accident, and you were 6 feet tall and 317 pounds, then your ability to get affordable life insurance would be much more limited (because of your weight).

What about a life insurance policy riders such, as disability or critical illness?

Because having all our limbs is such a critical part of navigating our busy world safely, the insurance companies will often not allow any disability riders or critical illness riders to be attached to the life insurance policy (this is insurance carrier and insurance policy specific) if you have a significant amputation.

A life insurance disability rider provides income if a disability occurs (as specified in each insurance company’s individual rider agreement).

Here is an example of a life insurance impairment guide for amputation:


Here is an example of one insurance company’s disability benefit rider agreement language:

  • Maximum disability income benefit: 2% of the life insurance face amount up to $1500 monthly benefit, or whichever is less. For persons earning less than $25,000 annually, the maximum disability benefit rider is 2% of the life insurance face up to $900 monthly benefit, or whichever is less.

Here is an example of a critical illness benefit rider agreement language:

  • An accelerated living benefit rider is available at 25%, 50%, or 100% acceleration of death benefit. If elected, the critical illness rider will provide a cash benefit equal to the specified percentage of acceleration, paid directly to the owner upon diagnosis of a critical illness. Writer coverage expires at age 70. The covered illnesses are:
    • Heart attack
    • Stroke
    • Kidney failure
    • Paralysis
    • Terminal illness paragraph coronary artery bypass graft
    • Invasive cancer
    • Major organ transplant surgery
    • Blindness
    • HIV contracted performing duties as a professional healthcare worker

As you can see from these two examples, insurance companies are very cautious about accepting clients with existing conditions. However, amputations are not one of them (unless they severely limit critical daily activity body functions).

Some insurance companies are very cautious about accepting clients with existing blindness. That is why we recommend you get your life insurance sooner versus later.

When should I invest in life insurance if I am concerned about an amputation?

The best time to get life insurance is before you have an amputation or have any other health issues. Many amputations occur because of an accident; therefore, there is no way of knowing when they will occur. In this case, you are better off having a life insurance policy in place to protect your family or business.

If you have a family history of diabetes or other circulation problems that may eventually result in amputation, then get your life insurance now…before you need it!

None of us knows what is in our future. We do, however, talk with people every day diagnosed with a serious health issue or other physical problem, who now want to get life insurance. Unfortunately, they are often a day, or two days, or week, or weeks too late after being diagnosed.

What kind of life insurance plans can I qualify for if I am an amputee?

Term life insurance for amputees, whole life insurance for amputees, universal life for amputees, and guaranteed issue insurance for amputees are available. It depends on the severity of your amputation and other underlying health conditions.

What is the process if I want to apply for life insurance and I am an amputee?

The first thing to do is contact an expert knowledgeable about how the insurance companies accept or deny people with amputation, multiple amputations, or disease related amputations.

You can fill out our free quote form, or contact us directly through our contact form or toll-free number at (888) 435-4342, and we can help you with your individual case.

Remember that an amputation is only one consideration when applying for life insurance policy.

The insurance companies will also want to know about any other health issues or medications you are prescribed or have been prescribed in the past. Insurance companies will always look at a complete picture of your health, medical status, build (height and weight), and other risk factors when determining your life insurance eligibility.


The bottom line is you can qualify for life insurance if you are an amputee; contact us and we will be happy to help you better understand what your options are and whether the different life insurance options offered by insurance companies are the right fit for you.

Life-Wealth-Win Life Insurance and Wealth Services would love to help you get your loved ones, family, and business protected! Call us at (888) 435-4342 or get your free life insurance estimate by clicking the link below.

About Life-Wealth-Win
About Life-Wealth-Win

We work with individuals across the nation to secure the best life insurance rates.

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