Life Insurance for People with Down Syndrome (Discounts & Rates)

Traditionally underwritten life insurance for people with Down syndrome can be challenging to secure. However, you can qualify for group life insurance through an employer, guaranteed issue life insurance, or a parent can purchase a whole policy for their child with down syndrome while they’re still young. Be cautious before choosing to buy life insurance for people with Down syndrome, as some life insurance policies may impact your ability to qualify for necessary public assistance programs.

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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: Apr 19, 2021

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The Highlights

  • Traditionally underwritten life insurance for people with Down syndrome is challenging to secure unless your case is very mild
  • If you work full time, you can qualify for group life insurance from an employer, or you can purchase guaranteed issue life insurance
  • Certain life insurance policies might impact your ability to receive necessary government or public assistance programs

You might struggle to qualify for traditionally underwritten life insurance for people with Down syndrome. Fortunately, you do have some coverage options.

If you or your child has Down syndrome, keep reading to discover what life insurance policy options exist, learn how to qualify, and chose the right coverage for you and your family.

When you’re ready to buy life insurance for people with Down syndrome, enter your ZIP code into a free quote tool above and start comparing rates.

What are the average life insurance rates for people with Down syndrome?

Folks with very mild Down syndrome may qualify for traditional whole or term life insurance coverage. However, you must comprehend and sign contracts, function independently, and be in overall good health.

Unfortunately, many people with Down syndrome experience additional health problems, including sleep and blood disorders.

According to the Centers for Disease Control and Prevention (CDC), 75% of people with Down syndrome also have sleep apnea, another pre-existing condition.

Therefore, you may receive a substandard rate. Expect substandard life insurance rates for people with Down syndrome to cost 25% more than the standard or base rate people in average health secure.

Compare the standard and substandard rates for a $100,000 whole life insurance policy from State Farm Insurance Company below:

Average Monthly Life Insurance Rates for People with Down Syndrome: Standard Rates versus Substandard Rates
AgeAverage Standard Monthly RatesAverage Substandard Monthly Rates (25% increase)
25-years-old$89.31$111.64
30-years-old$102.53$128.16
35-years-old$120.59$150.74
40-years-old$143.03$178.79
45-years-old$173.48$216.85
50-years-old$213.28$266.60
55-years-old$269.01$336.26
60-years-old$355.44$444.30
65-years-old$474.85$593.56
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Ultimately, you can secure affordable life insurance for people with Down syndrome if the case is very mild.

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What are the best life insurance policy options for people with Down syndrome?

Life with Down syndrome varies from person to person. Your life insurance coverage options also vary depending on how mild or severe your case is.

We’ve discussed how people with mild symptoms may secure traditional life insurance. Alternatively, if you work full time, your employer might offer group life insurance.

However, group life insurance for people with Down syndrome typically terminates if you leave your job.

For severe cases, parents can purchase a whole life insurance policy for their child with Down syndrome when they’re still young.

Attain power of attorney before your child turns 18 or 21. Otherwise, they’ll become the policy owner and risk losing coverage or even valuable government aid.

Finally, you can purchase guaranteed issue life insurance. However, this type of coverage is typically expensive. You should also expect a two-year waiting period.

A parent can name their child with Down syndrome as a rider to their own life insurance policy. Or, you can name the child as your beneficiary.

But be cautious. Typically, if you have Down syndrome, owning more than $2,000 in assets disqualifies you from public assistance programs, including Medicaid.

A parent or special needs trust can remain the policy owner; however, that also requires power of attorney. Consider working with an estate planning attorney for the best assistance.

Why is it hard for people with Down syndrome to get life insurance?

Unfortunately, Down syndrome is considered a pre-existing condition even to the best insurance companies. It impacts some people’s ability to function independently and autonomously.

According to the National Association for Down Syndrome, the life expectancy for people with Down syndrome, 60 years, is also shorter than average. Many insurance providers won’t take on such a risk.

Life Insurance for People With Down Syndrome: The Bottom Line

Down syndrome and life insurance can be compatible. Depending on the severity of your case, you may find a life insurance company for people with Down syndrome willing to sell you a traditional policy.

Otherwise, rely on group life insurance through an employer or guaranteed issue life insurance.

For severe cases, a parent must maintain power of attorney and own the policy. Consider working with an agent familiar with high-risk life insurance clients.

An estate planning attorney can also help you apply for life insurance for people with Down syndrome but keep necessary public assistance or government funding.

Whether you or your loved one has Down syndrome, enter your ZIP code into our free tool below to automatically compare Down syndrome life insurance quotes for people with Down syndrome.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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