Life Insurance for Inmates (Discounts & Rates)

Life insurance for inmates isn't impossible to find, but you won't be able to get coverage from traditional insurance companies. Most life insurance for felons is limited to Accidental Death & Dismemberment and guaranteed life insurance policies that only pay for burial and final expenses. If you need additional life insurance coverage, you will need an attorney or someone with power of attorney to argue on your behalf for high-risk life insurance.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 31, 2021

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The Highlights

  • Life insurance for inmates is typically limited to guaranteed issue life insurance policies and Accidental Death & Dismemberment coverage.
  • Only high-risk insurance companies will offer life insurance for inmates.
  • If you had life insurance coverage in place before being sent to prison, your coverage will still apply as long as you don’t die committing a crime.

Life insurance for inmates is not easy to find, but it’s not impossible to get coverage as a felon.

Your criminal history will impact your life insurance rates, but there are providers who offer guaranteed issue life insurance and Accidental Death & Dismemberment coverage to inmates.

Felons face a few restrictions when qualifying for life insurance coverage. Read our guide below to find life insurance rates, restrictions, and how to buy life insurance for inmates.

Inmates can expect to pay higher premiums, but shopping online for high-risk life insurance gives you the chance to compare quotes and find more affordable life insurance for inmates. Enter your ZIP code above to start comparing free life insurance quotes from local companies.

Can you buy life insurance for inmates?

Yes, you can buy life insurance for people in prison, but you may have a hard time finding a provider willing to cover such a high-risk individual. 

Since life insurance for inmates poses a great risk to the insurance provider, you will not be able to find policies with traditional companies. You will have to shop for quotes from high-risk insurance companies. 

Learn more about the insurance companies near you with our free insurance reviews.

What types of life insurance can inmates buy?

State insurance laws can restrict life insurance for inmates, and most insurance companies have their own regulations regarding life insurance with a criminal record.

For that reason, most life insurance companies will only offer guaranteed issue life insurance policies to inmates. Guaranteed life insurance policies cover burial and other final expenses and often come with other limitations.

For example, most guaranteed issue policies are only available to people over the age of 50 and only provide coverage up to $25,000, which may not be enough for your family.

If you had life insurance coverage in place before being sent to prison, your coverage will still apply as long as your premiums are paid and you don’t die committing a criminal act.

Unfortunately, your choices are quite limited if you didn’t already have coverage in place.

Inmates can choose to purchase Accidental Death & Dismemberment coverage, but realize that it does not provide death benefits if you die of illness, disease, or as a result of  a pre-existing medical condition

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How much does life insurance for inmates cost?

Life insurance rates vary by age, gender, and policy limits, but life insurance for inmates often costs more than standard rates due to the increased level of risk that comes with incarceration.

Take a look at the table of average guaranteed issue life insurance rates below to see how this may impact your budget for inmate life insurance premiums.

Average Annual Guaranteed Issue Life Insurance Rates Based on Age, Gender, and Policy Amount

Age At PurchasePolicy Coverage AmountAverage Annual Life Insurance Rates (Men)Average Annual Life Insurance Rates (Women)
50$10,000

$15,000

$25,000
$361

$522

$844
$292

$419

$673
60$10,000

$15,000

$25,000
$508

$743

$1,213
$390

$566

$919
70$10,000

$15,000

$25,000
$841

$1,243

$2,047
$609

$894

$1,465
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Guaranteed issue coverage is only available to applicants 50 years or older, but a few insurance companies will offer these kinds of policies to those as young as forty. Shop around to find the right company for you.

How to Buy Life Insurance for Felons

If you need to purchase life insurance for an inmate, it’s important to reduce as much risk as possible. Every insurance company assesses risk differently, so research providers that specialize in high-risk policies and shop around online in order to find insurance that fits your needs.

Depending on the nature of the crime, you may qualify for high-risk life insurance.

An attorney or someone with the power of attorney can argue on your behalf. If they can prove that your family and other dependents will suffer financially after your death, you may qualify for high-risk life insurance for inmates. 

Be aware that this kind of coverage comes with higher premiums but can give you the level of coverage you need to keep your family comfortable after your death.

Start comparing life insurance for inmates’ rates and coverages by company with our free comparison tool below. Enter your ZIP code to get free insurance quotes from local companies near you.

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