Last Updated: May 2020
Are you or a loved one looking for life insurance with Autism or Asperger’s Disorder?
While autism and Asperger’s disorder both fall under high-risk life insurance, it is still possible to obtain coverage if you know where to look.
We have years of experience helping people with Autism and Asperger’s to obtain life insurance at rates they can afford. We don’t feel that a disorder should be a reason that prices people out of obtaining life insurance.
It’s all about finding the right company that can work with your specific condition and the rest of this brief article will break down the specifics for you:
- Life Insurance With Autism or Asperger’s
- Work With An Experienced High-Risk Life Insurance Agency For Autism Approvals
- Compare Rates With Multiple Options To Secure Life Insurance With Autism or Aspergers
Life Insurance With Autism or Asperger’s
Both Autism and Asperger’s are Pervasive Development Disorders (PDD), both marked by impaired social interaction with others.
Both also exhibit restrictive behaviors in relation to activities or interests.
The difference, however, is that people with Autism tend to have higher intellectual disabilities, while the intellectual ability is typically normal with Asperger’s patients.
When applying for life insurance with Autism or Asperger’s, you will have to go through a more lengthy underwriting process, compared to what the average person would normally have to go through.
Some of the questions you might be asked about include:
- Is cerebral palsy present?
- Is there a history of seizures?
- Are ADL’s (daily living activities) appropriate for age?
Bear in mind, depending on the underwriter you are working with, there may be many more questions that get asked, but those are the more common questions that are asked of people who are applying for life insurance with Autism or Asperger’s.
Autism and Aspergers Does Not Automatically Decline You For Coverage
The good news is, having Autism or Asperger’s, unlike some of the other PDDs out there, won’t cause you to be automatically declined in any circumstance.
You will always be given a fair chance to go through the underwriting process, whereas some other PDD-afflicted applicants will be denied immediately due to the severity of their condition.
If there is no cerebral palsy present and there is no history of seizures, then you will be viewed more favorably by your underwriter.
Also, if the applicant is at an age-appropriate level with their ADL’s, they also will be viewed favorably.
This means that adults with Autism or Asperger’s should be able to take care of their daily hygiene routine 100% on their own.
If adults still need assistance with these tasks in any way, then they won’t qualify for being age-appropriate with their ADL’s.
Another important thing to consider is that different insurance companies have different ways of looking at your condition.
Our job is to help you get in contact with the companies that have experience working with people who have your condition and can still see you favorably despite your situation.
Work With An Experienced High-Risk Life Insurance Agency For Autism Approvals
The truth is, these companies are staffed by new life insurance agents that don’t have the experience and knowledge it takes to work higher-risk cases.
This makes it imperative to always consider coverage with an independent life insurance agent with experience working with autism and Aspergers.
This will give you the option to compare rates with all companies and life insurance companies that favor this condition more than others.
Consider Guaranteed Acceptance Life Insurance If Necessary
As always, one of the last options you have is to consider guaranteed acceptance life insurance.
This is always the best course of action if you have already been declined for life insurance and worked with an independent life insurance agent.
Guaranteed acceptance life insurance will not use your autism or Aspergers against you.
No medical exam is required but in exchange for your easy approval, you will not have your coverage fully active for the first two years of the policy which is also referred to as the graded benefit period.
Once this time has elapsed with most guaranteed acceptance life insurance providers, you will have coverage fully active and in force just like any other life insurance policy.
Some great companies to consider for this coverage include options such as the following:
Compare Rates With Multiple Options To Secure Life Insurance With Autism or Aspergers
Don’t let applying for life insurance with Autism or Aspergers hold you back or scared to obtain the protection you need and deserve.
If you’ve been applying for life insurance but been getting rates that are way too high wherever you turn, it’s time to stop discouraging yourself.
Contact us and let us find the perfect company for you, the one that will give you a life insurance policy but won’t break the bank in the process.