If you are blind and looking for the best life insurance for blind people, then you have come to the right place! Getting life insurance for blind people presents some challenges that other physical conditions do not.
Many physical impairments occur within our bodies, and blindness is just one of the many the insurance companies consider before issuing a life insurance policy. If you are wondering “does life insurance cover blindness?”, we can help you understand what your options are available.
There will be policies you cannot qualify for if you are blind, but you would be eligible for if you had another illness or health issue. Fair, or unfair, it is just the way it is. We cannot change it, but we can help you get qualified for the best life insurance policy available.
Blindness can occur for many different reasons:
- Auto accidents
- Blind from birth
- Head trauma
- Inherited blindness
- Macular degeneration night blindness
- Wartime injuries
- Work accidents
Why are insurance companies concerned if I am blind?
If you became blind because of an accident, the insurance companies would look at this differently than if you had blindness because of diabetes.
Also, because of your lack of vision, you may be more prone to accidents such as trips slips and falls, which can have serious health implications. Having eyesight is a precious gift so many take for granted, and the blind navigate a world filled with dangerous obstacles every day.
Because becoming blind can be a complication of another more serious disease, the insurance companies will often focus more heavily on the cause of your blindness.
Although those who are blind can function flawlessly throughout the day in a controlled environment, such as their home, traveling out into the world outside of the home is often filled with more uncertainty. Accidents happen to people who can see perfectly every day. Without taking extra precautions, accidents may occur more frequently to people who have no eyesight, or diminished eyesight.
Life insurance for the blind – what life insurance policies are available?
“What kind of life insurance can I get if I am blind?” and “Does life insurance cover blindness?” are questions many people ask when shopping for life insurance for blind people. Depending on your current health, and how you became blind, you can still qualify for some different life insurance policies.
With some insurance companies, if you became blind because of an accident, you would qualify for a standard issue no medical exam life insurance policy. If your blindness resulted from complications from another more serious illness, then you may not be eligible for this plan.
The insurance companies will want to know how you became blind before approving you for a life insurance policy.
How much life insurance for blind people can I get?
This will depend, again, on how you became blind. If your blindness resulted from another serious illness, this would affect the amount of insurance for which you can qualify. Your serious illness may be more of a concern to the insurance company than your blindness.
What about a life insurance policy riders such as disability or critical illness?
Because your eye site is a critical part of navigating our busy world safely, the insurance companies will often not allow any disability rider, or critical illness rider to be attached to a life insurance policy for the blind.
A disability rider provides income if a disability occurs (as defined and specified in each insurance company’s individual rider agreement).
Here is an example of an impairment guide for life insurance for blindness:
Here is an example of an insurance company’s disability benefit rider 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 language:
- An accelerated living benefit rider is available at 25%, 50%, or 100% acceleration of death benefit. If elected, the critical illness rider provides 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 as follows:
- Heart attack
- Kidney failure
- Terminal illness paragraph coronary artery bypass graft
- Invasive cancer
- Major organ transplant surgery
- HIV contracted performing duties as a professional healthcare worker
As you can see from these two examples, some insurance companies are very cautious when it comes to approving life insurance for the blind. That is why we always recommend you get your life insurance sooner versus later.
When should I get life insurance if I am concerned about blindness?
The best time to get term life insurance for the blind, or whole life insurance for the blind, is before you become blind or have any other health issues. If you have a family history of macular degeneration, diabetes, glaucoma, or any other inherited condition that may lead to blindness, get your life insurance now.
No one knows what is in their future, but every day, we talk with people recently diagnosed with a serious health issue and now want to get life insurance. Unfortunately, they are often a day or two or a week too late.
What kind of life insurance plans can I qualify for if I am blind?
It depends on the cause of your blindness and other underlying health conditions. Term life insurance for blind people, whole life insurance for blind people, universal life for blind people, and guaranteed issue insurance for blindness are available.
We can help you understand what your best options are and what will be the best fit for your level of impairment.
What is the process to get a quote for life insurance if I am blind (or partially blind)?
The first thing to do is contact an expert, who is knowledgeable about how life insurance companies accept or deny people with blindness or partial vision. You can fill out our free life insurance quote form, or contact us directly through our contact form or toll-free number at (888) 435-4342 so we can help you with your individual case.
Remember that blindness is only one consideration when applying for a life insurance policy. The insurance companies will also want to know about any other health issues or medications you have been prescribed or have been prescribed in the past.
The insurance companies will always look at a complete picture of your health, medical status, build (height and weight), and other risk factors.
The bottom line is you can qualify for life insurance for blind people. Just contact us, and we will be happy to help you fully understand your options and see if the life insurance policies offered by insurance companies are the right fit for you.