How will my disability affect the approval of my life insurance policy?
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UPDATED: Jul 16, 2021
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Not all disabilities will have an effect on whether or not your life insurance policy is approved or how much the premium will cost.
If your disability is the result of a chronic illness or injury that could contribute toward your death or deteriorating health in future years, it could have an impact on approval because the disability then presents a greater risk to the life insurance company. You could also face a higher cost for your premium.
If your disability is the result of a one-time accident, injury or illness which presents no current or future opportunity for further illness or compromised health, then it will generally not affect the underwriter’s decision on your policy and will not affect the cost of your premium.