Life Insurance for People with Cystic Fibrosis (Discounts & Rates)

Life insurance for people with cystic fibrosis can be challenging to find, but other options may include guaranteed acceptance life insurance or accidental death insurance. If you can qualify, cystic fibrosis life insurance will cost more than the average life insurance rates. You may want to consider working with an insurance agent to make sure you get the best policy for you.

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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: May 21, 2021

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The Highlights

  • Life insurance for people with cystic fibrosis is difficult to find
  • Some options besides traditional life insurance include guaranteed acceptance life insurance and accidental death insurance
  • If you’re able to find life insurance for people with cystic fibrosis, the rates are likely to be high

Although life insurance for people with cystic fibrosis can be challenging to find, options are available. Below, we’ll discuss those options, how much cystic fibrosis life insurance costs, and what you can do to make sure you get the best and most affordable life insurance for you.

If you’re looking to buy cystic fibrosis life insurance, enter your ZIP code below to get life insurance quotes from companies in your area.

Can I get life insurance for people with cystic fibrosis?

In most cases, life insurance for people with cystic fibrosis is extremely difficult to find. Most life insurance companies will not approve people with cystic fibrosis for traditional life insurance policies, such as term life insurance or whole life insurance.

However, there are a few options available. Some insurance agents may help you find a cystic fibrosis life insurance company, but the company is likely to have a strict list of qualifications that the policyholder must meet.

Other options include a guaranteed acceptance life insurance policy or an accidental death insurance policy. However, guaranteed acceptance life insurance is more expensive, offers limited coverage, and may only accept those between 50 and 85.

As for accidental death insurance, the beneficiary wouldn’t receive the death benefit if the policyholder dies of natural causes or anything related to their cystic fibrosis.

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How much is cystic fibrosis life insurance?

If you can qualify for life insurance with cystic fibrosis, chances are you’ll be paying much higher rates than those without cystic fibrosis. Unfortunately, cystic fibrosis life insurance rates are difficult to estimate.

Let’s take a look at some average rates of your other options. First, here are the average rates for guaranteed acceptance life insurance:

Average Monthly Guaranteed Acceptance Life Insurance Rates by Age and Gender
DemographicsAverage Monthly Rates for $10,000 Death BenefitAverage Monthly Rates for $15,000 Death BenefitAverage Monthly Rates for $25,000 Death Benefit
50-Year-Old Female$292$419$673
50-Year-Old Male$361$522$844
60-Year-Old Female$390$566$919
60-Year-Old Male$508$743$1,213
70-Year-Old Female$609$894$1,465
70-Year-Old Male$841$1,243$2,047
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Now, here are the average rates for accidental death insurance:

Average Monthly Accidental Death Life Insurance Rates
Death Benefit AmountAverage Monthly Rate
$100,000$7
$200,000$14
$300,000$21
$400,000$28
$500,000$35
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The most significant factor in your life insurance rates will most likely be your cystic fibrosis.

How can I reduce my rates?

One of the best ways to reduce your rates is to continue seeing your doctor and monitoring your condition. You should also make sure that you’re following their treatments and therapies, such as those recommended by the Cystic Fibrosis Foundation.

If the life insurance company sees that you are keeping an eye on your cystic fibrosis and doing your best to keep your health as best as possible, they may offer a slight reduction in your rates. However, your rates are still likely to be higher than others.

You may also want to work with a life insurance agent to help you find the best and most affordable cystic fibrosis life insurance policy for you. If you need help getting cystic fibrosis life insurance quotes, enter your ZIP code into our free quote comparison tool below.

Are you looking for free insurance quotes?

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