Buying Life Insurance While on Social Security? Read This FIRST!

People come to us daily wanting to apply for life insurance while receiving Social Security income.social security benefits

This can be a difficult process.

This article will explain the barriers and opportunities, help you determine the types of life insurance available to you, and how to find your best price from a safe and secure company.

Quick Article Guide

1. Policy Amounts  and Requirements
2. Options while receiving “Regular” Social Security (SSI)
3. Options while receiving  Social Security Disability Income (SSDI)
4. Common Disabilities and Recommended Life Insurance Options

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How Much Life Insurance Can I Qualify For If I’m On Social Security Income?

Every day we receive inquiries from clients looking to purchase life insurance for themselves, their spouse or parent who aren’t working.   How does this figure into how much life insurance you can qualify for?

There are “Guaranteed Issue” policies, normally sold for policies between $5,000 and $25,000 which don’t ask income or health questions. If you’re hoping to qualify for a higher amount of coverage, be prepared to answer health and income questions.

What does income have to do with anything? Can’t I buy as much life insurance as I can afford?

Simple answer…..NO.

Insurance company underwriters (the persons making the decisions or whether your policy can be issued or application “declined”) look at life insurance as “income replacement” insurance, and generally don’t factor in Social Security income into the equation.

If you aren’t working, either due to a disability or natural retirement, this factors in to your financial qualification and justification. There are a few exceptions, which we’ll cover.

What’s the difference between SSI and SSDI?

Insurance companies will ask if you’re receiving SSI (Social Security Income) or SSDI (Social Security Disability Income).  The type of Social Security that you collect depends on whether or not you retired due to age or due to disability. If you collect Social Security Retirement and you are not disabled, skip to the next section.

To an Actuary (someone who determines the insurable risk) we are all better risks if we’re healthy enough to work and remaining active.  Make sense?

Social Security received by reaching Retirement Age

If you collect Social Security Income (SSI) due to strictly reaching retirement age, (not as a result of disability),  the maximum insurance death benefit offered will be based on your current income, exclusive of SSI.

Therefore, if you’re near retirement, it’s generally better to apply while still working.  You’ll have more companies to choose from and larger policy limits.  These 8 money saving tips for affordable life insurance may also help.

If you’re already retired, you’ll generally be limited to $50,000 in life insurance, with a few exceptions.

  1. If you’re receiving pension income, which your spouse would lose upon you death, underwriters will generally approve at least 10 years of this income replacement.  For example, if the pre-tax pension is $4,000 per month, you may qualify for $480,000 of more in life insurance.
  2. Let’s say you’re caring for an elderly parent or disabled adult child…underwriters will consider the cost of this care by hiring an outside caregiver if you were to die.
  3. Underwriters won’t consider investment income, but if you’re at a high net worth and would be leaving an estate with a tax burden your heirs would be responsible for, insurers will generally allow you buy enough life insurance to cover this burden so your assets wouldn’t need to be liquidated.
  4. We’ve also had success in insuring retirees with large property holdings, including farms.   Underwriters can justify insuring your life for the amount of the remaining property debt so your heirs wouldn’t be forced to sell.

MAXIMUM LIFE INSURANCE BENEFIT:   $50,000.  (could be higher with exceptions noted above).

MEDICAL EXAM:   No. You can purchase up to $50,000 of whole life insurance without a medical exam or income justification.   If you receive pension income which your spouse would lose upon your death, you may be able to qualify for a higher amount. 

Applying for this larger amount could require a medical exam.  Check with your JRC insurance agent…we’ll determine which company may be able to offer the amount you’re looking for, with highest probability of your application also being medically approved.

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Social Security Due to A Disability

When someone is collecting social security income due to a disability, the insurance company will consider the cause of the disability claim.

If you’re collecting V.A. Disability only, call us and explain the cause.   If it’s a physical disability, it will be looked upon more favorably than psychological disability such as PTSD  (see below).

Following are  common disabilities we come up against, common application results, and recommended options.

Disability Due To Anxiety, Depression, PTSD, Bi-Polar Disorder, or Schizophrenia

If your disability is due to a mental health issue, insurance companies selling term insurance (policies at $50,000 and up with health questions and/or medical exam) will not accept the risk, so it’s not worth applying….you will be “declined”.   Your JRC insurance agent will help you secure a “Guaranteed Issue” life insurance policy….no health questions and guaranteed approval.




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Disability Due To Chronic Pain

If you’re disabled due to a chronic (long term) back pain, knee pain, etc. and/or arthritis, you may be able to qualify for larger life insurance death benefit.

Insurance company will base your rates for the type of medication you are using to control your pain, as they look at the risk of potential side effects over time, as well as the likely inability to exercise.

If you are taking a medication like Vicodin, Hydrocodone, Percocet, Darvocet, or Tramadol, the insurers will usually charge a slightly higher premiums due to the risk of side effects taking these medications long term.

Life insurance companies are more lenient with non-narcotic medications or anti-inflammatory medications Over the Counter (OCT) pain medications such as ibuprofen are treated more favorably.

If you are taking a narcotic medication, the insurance companies will want to see periodic follow-up with your doctor and no history of substance abuse or treatments.

MAXIMUM LIFE INSURANCE BENEFIT:   $50,000.  (could be higher if you’re receiving pension income).

MEDICAL EXAM:   No.  You can typically purchase up to $50,000 with no exam or income justification.   If you receive pension income which your spouse would lose upon your death, you may be able to qualify for a higher amount.  This could require a medical exam depending on your age.  

Check with your JRC insurance agent…we’ll determine which company may be able to offer the amount you’re looking for, with highest probability of your application also being medically approved.

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Disability Due To Serious Health Issues: Heart Problems, Stroke, COPD, Uncontrolled Diabetes, Cancer, or Kidney Problems

Life insurance options are limited if your disability is due to a physical health issue affecting major organs.   Life insurance companies selling term insurance (policies at $50,000 and up with health questions and/or medical exam) will not accept the risk, so it’s not worth applying….you will be “declined”.

Your JRC insurance agent will help you secure a “Guaranteed Issue” life insurance policy….no health questions and guaranteed approval.




Combining policies…Can’t I just buy multiple policies?

With limits on life insurance coverage, we’re sometimes asked for maximum policy amounts for 2 or 3 companies on different policies. This is not permitted. All insurance applications will ask you how much cumulative coverage you currently have, and if you’re replacing a policy. You must answer honestly, otherwise you could be committing insurance fraud and endangering payment of a claim.

Beware of fast talking salesmen

Many insurance agents determines will offer “Accidental Death Coverage” once they determine you’re disabled. They policies won’t pay a death claim if you die due to medical condition….they only pay if you die due to an accident. Your first clue is if the policy is $100,000 and up, under $20 a month, and not requiring a medical exam.

To be blunt, would you insure a neighbor’s life for a large amount of money if you didn’t know anything about their health? Insurance companies are businesses, making mortality assessments, not government subsidized charities.

Give us a call…we’re here to help

Every situation is unique, so we encourage you to call JRC Insurance Group toll-free at 855-247-9555. A licensed professional can get an understanding of your situation and provide our free, non-biased advice.

We work with 50 of the top insurance companies in the industry, and will determine your best fit based on our years of experience helping clients navigate the life insurance experience. Without a doubt, we will save you time and aggravation. We may not tell you what you want to hear, but will be truthful and respectful, saving you time and disappointment.

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Randy is a co-founder and chairman of JRC and he has been in the life insurance industry since 2008. Prior to his insurance career, Randy founded two travel agencies and is an avid supporter of the SDSU Alumni Association. When he's not cheering on the Aztecs, Randy enjoys hosting dinners for friends and family, traveling, and playing keyboard.
94 comments… add one
  • Steven Ownby April 5, 2015, 1:07 am

    I have a cousin who is disabled since childhood and is now 60. Her benefits were recently revoked because 6 years ago her father bought her a life insurance policy so there would be money available to bury her when she dies. The policy premium comes directly out of her monthly SSDI check. The total amount is $16000 and apparently that is too high so SS wants her to repay the last 3 years of benefits ($18000) and she hasn’t had a check in 6 months. the local SS office person says it is a mistake but can’t fix it. Who can we talk to about this? A Lawyer, an advocate, a federal SS officer? The lady lives in Sevierville, TN. Lots of people there are having issues with their checks. Could there be local corruption causing some of these issues?

    • Chris Huntley April 10, 2015, 12:46 pm

      Steven, so sorry about this situation but we are life insurance advisers here at JRC. We would not be the right ones to provide advice about social security benefits. Good luck.

  • Donna Johnstone June 7, 2015, 11:14 am

    i am receiving social security disability and have been thinking about getting life insurance for myself because social security does not cover the full cost of a funeral. I,at this time,am in no danger of dying but i would like to have some form of coverage because i am getting older and i do not want my financial problems to be left for my son after i am gone. In your opinion,do you think i would stand any chances of qualifying for life insurance while on this form of income? i know my family or myself does not have enough money to get a burial plot or pay for the funeral director and the duties he has to perform. Please let me know what you think my chances would be in getting life insurance for myself and putting my son down as a beneficiary for the policy. I only receive $922 a month which is not very much to work with but i am hoping to find some way to get some sort of protection for myself when that time comes. Please send me an email and let me know what your opinions are on this subject. Thank you, Donna Johnstone

    • Nicky hines August 5, 2016, 10:49 pm

      I have had the same problem getting life insurance as a single mother and tell your son I have ran into insurance companies wanting to deny me once I tell them I receive Social Security disability if you have found an insurance company that will help you will you be kind enough to let me know to for the sake of my son and I.

      • Randy McClintick August 8, 2016, 10:30 am

        Ms. Hines,

        Thank you for your question and visiting JRC’s life insurance website.

        Life insurance companies criteria for offering insurance while disabled varies, including the nature of the disability. If you’re permanently disabled before age 50, few companies offer coverage. At age 50, there are a good number offering “guaranteed issue” type life insurance where there are no or few medical questions.

        JRC compares rates of over 40 A-rated life insurance companies for free. We’ll provide you accurate information with no sales pitches, just the peace of mind of knowing you’ve covered all your bases.

        Call us at (855) 247-9555 and we can quickly determine your options or if “self insuring” by putting money aside on your own is currently your best solution. If you decide to apply for life insurance, we’ll guide you through the process and review your policy when you receive it.

    • Sandra June 2, 2019, 11:46 am

      I am my siblings payee and I am interested in getting them life insurance just in case anything happens I could be able to pay for their funerals my sibling are on SSI

      • Randy McClintick July 11, 2019, 12:29 pm

        Ms Roman,

        We’re unsure whether our original reply reached you. To answer your question, you are eligible to purchase “final expense” type policies for your siblings. They are required to be part of the process and sign the application, choosing to make you the payee/owner/beneficiary if they like. When they’re with you, call JRC at (855) 247-9555. A licensed agent for your state will compare your options to find the best combination of price and coverage for your needs and budget.

        Thank you again for visiting JRC’s life insurance website.

  • Cheryl A June 8, 2015, 5:45 pm

    My husband is 75 yrs old and has had a life insurance policy for 25 yrs and has recently been told his policy will be canceled within the next two years and he will have no insurance and can’t get any, which leaves him with no insurance for his final expenses. We need a policy which will cover him until his death with a premium we can afford. I would like some coverage amounts and premium amounts each month so we would have enough for any last expenses and not put a burden on the family. Could you please send us some information. Thank you, Cheryl A

    • Chris Huntley June 17, 2015, 10:40 am

      Hello Cheryl,
      Thank you for your comment. It’s certainly scary to face the prospect of not having coverage in two years. One of our representatives will email you shortly to see how we can help.

  • Darlene July 14, 2015, 7:02 am

    My daughter is 29 yrs old, is on SS Disability and will be getting her penion in about 6 months. Her life insurance through her work place will expire in October. Is there any Life Insurance Companies who offer a $25,000.00 policy, for a minimal amount each month. She has Breast Cancer which has spread to the bones. Any info and help you may give us will be greatly appreciated. I have AARP life insurance…is she eligable for that too, being she is only 29 years old, but does get AARP info now that she is on SS disabilty. Please help if you can.
    Thank you from a very worried Mom,

    • Randy McClintick July 15, 2015, 10:26 am


      I’m sorry to learn your situation. I have two children in their 20’s and can’t imagine what you’re going through.

      Rules vary by State of residence, so I don’t know if there’s a COBRA type plan which would allow your daughter to extend her employer provided life insurance. I recommend calling the employer to ask, and also calling the life insurance provider to see if there’s any option to “convert” her policy from the group plan to an extended individual plan. If it is possible, they’ll likely underwrite your daughter as a individual, which will likely require health information.

      “Guaranteed Issue” life insurance (no health questions asked), such as the AARP/New York Life polices promoted by Alex Trebek, have minimum, as well as maximum ages. There’s is 50, as is Gerber’s the company we prefer. AARP rates increase every 5 years. Gerber’s begin at a higher cost, but are fixed for life. AARP’s end at age 80, so some people are left without life insurance when they need it the most. Guaranteed Issue policies generally have a 2-year waiting period before they would pay for a death by medical condition, but most provide a “return of premium” if a policy holder dies medically during the waiting period.

      I wish we had more to offer. If extending your daughter’s group plan isn’t possible, you’re likely best to “self insure”, setting money aside. In a high risk situation, the cost of life insurance can be so high, it’s better to set the money aside in an account you control, rather than give it to an insurance company.

      Take care.

  • John Tieden September 8, 2015, 10:48 pm

    Interested in getting some life insurance. I am receiving ssi and am disabled for back issues, only taking ibuprofen for the pain. Can someone please contact me .
    John Tieden 612-810-3354

    • Randy McClintick September 20, 2015, 10:51 am

      Hello, Mr. Tieden,

      I’m glad you contacted JRC. Buying life insurance while receiving SSI disability can be tricky, even if it’s just a back issue. We have some highly rated insurance partners which should be able to help. One of our agents has reached out to you. Hopefully you found a good affordable solution. All the best.

  • Jason October 23, 2015, 2:14 pm

    Hi. I am physically disabled (on SSI/SSDI) as well as hearing impaired, and the only person I can depend on is my 63-year-old mother who has diabetes and is diagnosed as bi-polar. She works self-employed as a massage therapist. We were recently able to buy a house (mortgage) with government assistance. We had no home before this, depending on others to let us stay somewhere. Is there anything affordable we can do to at least cover the mortgage, in the event something happens to her? Thanks.

    • Randy McClintick October 25, 2015, 4:14 pm

      Jason, thanks for posing your question. We’ve had good luck finding life insurance for clients with diabetes and bi-polar treatment, if both are well managed, stable and successfully treated. Both affect life insurance rates, and one more health concern would likely tip the scales making your mother uninsurable for anything beyond a $5,00 to $25,000 guaranteed approval policy.

      Women in their early 60’s will generally qualify for 5 to 10 times their annual employment income. Basically it’s the amount of assumed income lost to a family, between now and retirement, if a person dies soon after purchasing a policy.

      Most women in a situation you’ve described will purchase a 10-year term policy. Have your mother call us and we’ll gather her medication/medical history data and provide an accurate, pre-qualified estimate of the policy cost. You can determine if this amount would be affordable, or if you should work towards paying your mortgage down sooner.

      Most women in a situation you’ve described will purchase a 10-year term policy. She’ll be required to complete a free, in-home medical exam to qualify, so make sure she’s taking her medications as prescribed and her A1c is in good order.

      If the term policy is unaffordable and you have no current life insurance, we recommend securing her at least a $5,000 – $10,000 “guaranteed approval” policy to help with final expenses so that burden isn’t left to you. Good luck to you both.

  • Penny myers October 25, 2015, 11:18 am

    I’m on ssdi and wanting a life insurance policy. Can I not get a 50,000 policy? I still have a 10 yr old at home. Please advise or let me know as of what I can or can not do.

    • Randy McClintick October 25, 2015, 4:32 pm

      Hello Penny,

      Thanks for visiting JRC’s website.

      Once someone is on permanent SSDI, they’re generally regulated to “guaranteed issue” whole life insurance, or policies to age 80. Most offer up to $25,000 in coverage, and have a minimum application age of 50.

      There are a few exceptions, for instance, if your disability is due to a physical injury like a bad back or knee.

      We don’t know your age, so don’t know if you’re eligible. If your over 50, and your state allows, you might be able to purchase to policies of this type, though, if your concern is protecting your 10 year old son, most people will purchase a 10 to 15 year term policy, which provide the most coverage for the lowest price, since you’re buying coverage for short period of time…while your son is financially dependent upon you.

      Give us a call this week. We’ll be glad to help point you in the correct direction.

  • amberwood Hill November 11, 2015, 9:01 am

    I have a life insurance policy for $300,000 which is a year old. I have been diagnosed with pulmonary fibrosis and I have a back injury as well as a significant injury to my shoulder and elbow. I want to know if I should even apply for social security benefits at this time. Will the Life insurance company find out that I have these conditions through Social Security? If so, will they terminate my benefits. I know that there is a two year clause for them to cancel a policy if there is a fatal illness diagnosed. Please help me.

    • Randy McClintick November 11, 2015, 5:18 pm

      Without seeing your policy, it sounds like you purchased a “graded” life insurance policy which didn’t require a physical when you first applied. It’s the only type of policy we’re aware of with a 2-year waiting period for a $300,000 death benefit.

      We’re unaware of any policies which require a policy to notify them of health changes after initial approval, so you should be OK. Life insurance companies don’t receive notifications from Social Security applications or benefits. You’re protected by HIPAA laws. Your health information is only shared between the medical community and the life insurance carrier’s underwriter when you apply for coverage through the time of your policy approval, and required your signed authorization.

      The key thing is to maintain paying your premiums. If you stop, you’ll have a 30 day grace period at the most. Our clients generally pay by automatic EFTs to ensure their premiums are paid.

      Make family members aware of where your policy is located, the insurance carrier, and the importance of continuing to pay your premiums on time to maintain your $300,000 death benefit. For your own peace of mind, we recommend verifying when your 2-year period ends and your policy becomes fully active.

      Best of luck, and thank you for your question. It illustrates the importance of purchasing life insurance when you’re healthy, and when possible, complete the free health screening exam. This eliminates any waiting/”graded coverage” period.

  • terry stokes November 25, 2015, 6:15 am

    I’m on ssi right now,but will start retirement in December along with disability.I got a phone call from social security asking afew questions and eventualy wants me to mail my policy to them.I asked what for but did not understand the answer he gave.I have a life ins.policy with A.A.R.P. which is a 10,000.00$ policy.Will it efect my disability retirement at age 62?

    • Randy McClintick November 25, 2015, 7:41 am


      If I’m understanding you correctly, I’ve heard of a Social Security representative asking for a copy of a person’s life insurance policy. One has no bearing on the other. The only time a related question comes up, is if a life insurance agent asks an applicant if they are receiving SSDI (Social Security Disability Income). It helps us match applicants to insurance companies and policies which are appropriate for sub-standard health risks, which SSDI generally implies.

  • Sheila December 6, 2015, 11:42 am

    Hi, my brother is a 38 yr old paraplegic. He takes prescription meds and he’s on ssd. He usually has 1-2 hospital stays per year. We are trying to find a life insurance for him, it doesn’t need to be much, maybe $10-$20,000. We have not found any success with any providers, no one want to insure him. Do you have any suggestions?

    • Randy McClintick December 6, 2015, 4:38 pm

      Sorry to learn of your brother’s situation.

      We’re unaware of any life insurance companies willing to accept this risk. The “few questions asked” life insurers have a minimum applicant age of 50 or 55, and parapalegic on SSDI is one of their knockout questions. If a company were to accept someone at this mortality risk, the premiums would be so high that it would likely be unaffordable.

      You should “self insure” your brother, setting aside what’s possible on your own, in a regular basis in an independent account to avoid the temptation of withdrawing early.

      God bless.

  • darlene December 15, 2015, 1:39 pm

    Quistion ,
    So if im applying for life insurance and being on ssi?would that affect my ssi monthly?

    • Randy McClintick December 15, 2015, 2:10 pm


      thanks for your question. Life insurance has no bearing on social security benefits. Receiving social security disability income (SSDI) would limit your life insurance options. This is a common situation we help clients through. If you’d like our help, call JRC Insurance at (855) 247-9555 and one our agents licensed in your state will assist you.

  • Charles December 26, 2015, 4:34 am

    I need a question answered, i was with my Life Insurance Company for 20 plus years.I am 54 and on Social Security Disability but i was with the Life Insurance Company when I was on Social Security Disability for 3plus years and i got my insurance when I was 19 yes old when I was 30 i got married and was diagnosed with my medical condition but it did not stop me from working and my insurance company new my medical case or they failed to check with me during the policy. I pd my premiums on time i also was granted a loan during my marriage and i was able to cash in my dividends. I had a bad Divorce because of my former Divorce Attorney and it left me in financial hardship. So I had to cash in my Life Insurance as a last resort after I did many other things. I waited about a month and called my life insurance company back and asked to purchase the same policy or along the same lines and they told me to call my agent which i did and he was very loud and unprofessional and told me no with out a reason. So I called back my insurance company and they transfer me to a gentleman who had a title of second Vice president of Customer Service and he told me no again with out a reason.I think this a Civil lawsuit Case because they are dining me Life Insurance because i am on Social Security Disability but i have only been on Social Security Disability for three years and my diagnosed was back in 1989just before I got married in 1991.So how could they stop me from getting Life Insurance with all the earlier facts i gave you earlier in this comment.Plus i have letters from three important people that in my life.My counselor, my home,car insurance agent,my psych and my primary doctor.Could you please email me the ans to this comment it is very important to me.

    • Randy McClintick December 28, 2015, 6:28 am

      Charles, thank you for your question. Without knowing all the details, it sounds as though you had some sort of whole life insurance policy which you cancelled and “cashed out”. Once you cancel a policy, an insurer doesn’t reinstate it if a person later decides they want insurance again. Your health was assessed when you first applied, and would now be reassessed based on your full health history and current age. If you’re in your 50’s and on permanent disability, you’re limited to “Guaranteed issue/Guaraneed approval” policies which ask few if any health questions. They’re whole life policies with “cash value”. Most of our clients purchase them to provide funds for their children to cover the cost of their burial.

      Our client’s have told us they prefer “fixed rate for life” policies with no future price changes. We prefer Gerber Life for this type of life insurance. If this is what you’d like and you start your policy at age 54, a male’s rate is around $45 per month for a policy with a $10,000 death benefit…around $1.50 per day. A $15,000 death benefit would cost you around $65….roughly $2 per day, or a Starbucks coffee. Availability and cost sometimes vary by State.

      Keep in mind this is a lifelong commitment, so purchase what will always be affordable. If you buy a policy and cancel it later, you’re out any money you’ve paid in. if that’s a risk, then discuss getting help from your children, or “self insuring” by setting money aside when you can.

      In exchange for the “no health question” asked, there’s a 2-year waiting period for death due to health conditions to be covered, however, if you died due to a medical condition during that time, your family would receive back all money paid in, plus interest. If you’d like to purchase a policy, call us at (855) 247-9555. Gerber processes payment by EFT (electronic funds transfer) from checking accounts; no credit cards or checks in the mail. Best of luck. I hope we can be of help and provide some peace of mind.

  • C December 28, 2015, 10:06 pm

    I had asked a earlier question about my previous Life Insurance Policy that i cashed in.It was not a Whole Life Insurance Policy and the payments were the same for the time i had the policy. My health conditions were the same when I got the policy and my insurance company new or failed to update any of my medical records. They also new i was on Social Security Disability and under the Disability Acts you can not be denied Life Insurance. Plus I had a 20 plus year history with this company.I can also file a complaint with the NY State Attorney General Office. I should not be denied insurance because I am on Social Security Disability plus I have letters from Professional people that are in specific Fields that have knowledge about my health which is good and doesn’t affect my every day life activities. This question is not a duplicate question the first question i asked was a general question.This question has detailed information about my case .Very important detailed information that should give me a different outcome or responds.Again this not a duplicate question and it should be handle on its own information plus it is different then my first comment that i was looking for a response. This question is a different format that does not match that first question and should be treated separate from the first question.

    • Randy McClintick December 29, 2015, 9:37 am

      We can’t comment specifically on your policy since it wasn’t purchased through our agency. Best to follow up as you have with the original agent and the insurance carrier. Generally speaking, life insurance companies don’t reassess a policyholder’s health after they’re originally approved and have begun making payments. However, if a policyholder allows their life insurance to lapse, it’s cancelled. If they reapply, they’re starting over and reassessed based on their age, health, and the carrier’s current underwriting guidelines.

  • Denise Nieves January 6, 2016, 2:34 pm

    Hi I did not know what kind of insurance to get for a person who is on disability due to visually impaired I don’t know if I qualify for regular life insurance or just final expenses but I would like to get something that does not interfere with Social Security disability benefits and this is for a person who is 46 years old

    • Randy McClintick January 8, 2016, 8:33 am

      Hello, Denise,

      A visual impairment will generally not preclude a person from qualifying for fully medically underwritten life insurance, and it has no bearing on Social Security disability benefits. The amount of life insurance a person can qualify for is based on their income. The level of the impairment will determine how you go about applying for coverage. Life insurance policies are legal contracts, and you’ll need to read, understand and sign the application and policy. Globe Life may be a good place to start if you’re needing $25,000 or less. I don’t believe they ask any health questions related vision. We recommend applying for a lifetime policy with no price changes as you age. Best of luck!

      • Laura Kinary-Hinojosa February 1, 2018, 6:16 am

        I’m told by SSDI that a Whole Life policy is considered an asset, ie income as was stated earlier in an answer to a question above. When a person has a Wole Term Life Insurance Policy and is on SSDI, it DOES impact ones monthly payment from SSDI bc you can cash it in, so SSDI holds it against you as income,when using their algorithm (that no one understands nor can formulate, even professors from MIT) and your payout per month from SSDI Per month and in total is dramatically effected. This has been the information I have obtained from Liberty Mutual as well as SSDI
        If you know this to be false, please let me know. I have term but would prefer Whole Life,in order to borrow against. I know that is not the most favorable opinion but as a single mother, on disability, and a very unreliable co parent, my children and myself are on our own. I would like to buy a small home (which is not counted as an asset but a need. )

        been on SSDI for a chronic pain issues that has no effect on my long term longevity. I am simply in pain and cannot Work a forty hour work week bc it taxes my body to much. I walk thirty minutes everyday, with my dog, and am considered “healthy” in every other way. I have two children and am divorcing my spouse. T to be getting a divorce. I’m told by SSDI that a Whole Life policy is considered an asset so I bought term.
        Thank you for your

        • Randy McClintick February 6, 2018, 10:51 am

          You are correct…a portion of a whole life policy can be considered an asset since whole life generally combines life insurance with an investment vehicle. Only the death benefit, not the investment portion is not subject to taxation or considered an asset.

  • Sharon February 18, 2016, 12:26 pm

    My son is 30 years old and getting Social Security Disability $720.00 per month. He is wanting to get life insurance for funeral cost only. He has Stiff-person syndrome (SPS) Do you have any suggestions who will cover him?

    • Randy McClintick February 19, 2016, 9:14 am

      Hello, Sharon,

      Your son is unfortunately in age group where he will be difficult to insure if he’s only 30 and permanently disabled. You’ve probably already found that “guaranteed availability” policies require a minimum age of 50. We recommend “self insuring”. Instead of paying for life insurance, create a “final expenses” bank account for your son and deposit what you can on a regular basis. Self insuring also provide more flexibility and control, as funeral/burial policy life insurance is only active while you’re paying for it. If you were to miss a couple life insurance payments, you’d lose what you previously paid in. Best of luck.

  • Aaron March 28, 2016, 10:47 am

    I purchased a Term Life Ins policy about 18yrs ago ( current age 48 )for my wife, daughter, and myself. About 6 years ago I was in a bad car accident which left me permanently disabled. I receive SSDI and barely get by with what I’m receiving. A few weeks ago I was advised to review my Life insurance policy and check a section on acceleerated benefits can you explain how this work? My disability is loss of the use of my dominant arm. Also the ability to stand for long periods of time.

    • Randy McClintick March 28, 2016, 2:36 pm

      An “accelerated death benefit” is a feature of many term life policies, allowing the policyholder to collect a portion of their life insurance benefit prior to death if they’re diagnosed with terminal disease, with less than a year to live.

  • Eve April 7, 2016, 5:30 am

    I have a few questions but first a bit about me. I’m 57 have arthrits of back and knees, asthma and controlled diabetes. I have three children one with a heart condition and two high functioning in autistic spectrum.My daughter had a life insurance policy while she was working until she developed her heart condition. I don’t know if she still has her policy.I have no life insurance although am intetested in purchasing. I recently applied for ssi but am concerned about a question they asked. For the most part as routine they ask about finances. That I understand. but why do they ask if I have life insuance if it has no bearing on ssi? Also if a person pays into life insurance until they’re 80 and still are alive what happens to their money? The whole idea of it is to cover costs for funeral and other expenses so where does my money go if I purchase it? I live in New York we are limited to 2,000 in savings or checking accounts if receiving any state or government benefits. Can I apply for life insurance if I’m approved for ssi. Thank you I hope it wasn’t a run on question.

    • Randy McClintick April 7, 2016, 8:58 am

      Hello, Eve,

      Thanks for sharing your story.

      When discussing life insurance, the question about receiving SSDI is about a person’s overall medical situation, not a financial one. Many insurance companies choose to not offer coverage to people not healthy enough to work. Carrying life insurance does not affect your SSI benefits. You’ll never be “punished” by setting things in place to help your family financially when you pass. Otherwise you may be passing on more hardship.

      Life insurance age limits vary. You may have spoken to AARP…their policy, underwritten by New York Life end at age 80. This would not be a good choice unless you’re pretty confident you won’t live to that age.

      Most of our clients choose a policy we offer through Gerber Life for funeral and other “final expenses”. The policy offers a fixed cost and death benefit guaranteed to age 100. The cost doesn’t increase as you age, as those policies to age 80 do. This way you can secure a policy which can fit in your budget without worrying about outliving it or having the cost increase in the future to the point you can’t afford it.

      Policies begin at $5000 death benefits, up to $25,000. Call JRC at 855-247-9555 and we’ll help you find a policy to fit your budget and put your mind at ease.

      In regards to your daughter, she likely lost her group life insurance plan when she quit working. If she’s also disabled, she’ll have a waiting period ahead of her….the policy described above from Gerber and similar “guaranteed issue life insurance” policies have a minimum age of 50 before you can buy it. In the meantime, we recommend setting money aside in a dedicated savings account for this purpose…it’s called “self insuring”. Hopefully she’ll make it well past 50 and at that time you’ll have some money set aside to help her buy her life insurance.

  • Randy McClintick April 20, 2016, 3:54 pm

    thanks for visiting our site. We’ll answer the individual questions.

    1) Social security benefits do not financially preclude a person from buying life insurance. A permanent disability will limit the amount of life insurance companies will offer. A healthy, working person is a better health risk than someone who’s unable to work.

    2) In most cases, a permanently disabled person receiving SSDI will qualify for a maximum of $25,000 death benefit. These are the “no health questions asked” policies you see advertised. Most have a 2-year “waiting period” before the full death benefit applies. If you die during this 2-year period, your beneficiary would received all money paid in plus an additional small %.

    3) An applicant generally needs to be at least age 50 to apply for these policies, though, I believe there may be a few at 45. This varies by insurer and state of residence.

    4) The person being insured must be involved in the application process. In other words, you can’t buy life insurance without someone being aware of it. The beneficiary must also have an “insurable interest”…where they’d suffer a financial loss if the insured person died without life insurance. This could be someone who would be paying for funeral costs and tying up loose ends for the deceased.

    As licensed agents, we’re required to at least speak by the person who’ll be insured by phone, and they must sign their application, acknowledging they wish to have life insurance and that money is being put on their life.

  • Helei April 26, 2016, 12:52 pm

    My mom is on SSDI due to physical health problems. She is also has a series of mental health problems. She just turned 60years old and every day I worry about her not having anything set aside for when we may need it. I am very new to all this and have absolutely no idea how go go about getting her life insurance. Please help me. I am reachable through email. Thank you!!!

    • Randy McClintick April 28, 2016, 1:25 pm

      Thanks for your question. If your mother is under age 80 and “sound of mind” where she can understand and enter a contract, we can likely help her obtain a policy to help pay for her final expenses. These vary by State of residence, however, are generally available in $5,000 increments up to a maximum of $25,000. She’ll need a few or “no health questions” asked type of policy. Most of our clients choose a Gerber Life policy because rates are fixed for life. Some, such as Colonial Penn/New York Life start at a lower cost but increase in price every 5 years and often reaching a point where people are priced out. We recommend buying something which comfortably fits in the budget, to ensure you won’t cancel it down the road. People often supplement this final expense policy with savings put into a dedicated account.

      If your mother fits into this category, give us a call and we’ll review her options. Do you have life insurance? If not, you’ll benefit greatly by securing it while you’re young and healthy…rates are much lower than waiting. You can ensure your kids won’t be searching for coverage for you one day. Planning ahead provides great peace of mind.

    • Randy McClintick May 3, 2016, 4:56 pm

      Thanks for your question. If your mother is well enough to enter into a legal contract, understand what life insurance is and to name a beneficiary, and is willing and able to speak with us by phone, she may qualify for a “final expense” policy with a death benefit of $5000 to $25,000. You’d be allowed to make the payments on her behalf. Give us a call when she’s able to speak with us. If you don’t have life insurance, we’ll help you secure yours as well so your children won’t risk ending up in a similar situation. Locking in low rates when you’re young and healthy is the best way to go! Best of luck.

  • Rebecca May 2, 2016, 10:31 am

    Hi Randy,
    I would like to know a heads up about getting life insurance for my spouse. He receives SSDI and recently won his PTD for work related injuries. In the beginning of 2011, he had pneumonia which he had to stay in the hospital for treatment. After that stay he was referred to a lung specialist. That doctor said he had COPD -emphysema starting, so started medication treatment. While doing a CT scan with contrast on his lungs, the lung doctor said he would need to see his PCP for a F/U regarding something showing involving the heart. Prior to being sick with the pneumonia, he had just completed a stress test and everything was fine. So, when the PCP see the results, he sent him to be further tested and it showed that he had a blockage. So, unfortunately, it was decided a one by-pass be done. The heart surgery was done in July 2011. Since, being off from work due to injuries and heart, lung issues he is not able to be active like he once was and it upsets him. From this he has been diagnosed as having anxiety and depression disorders. He is 59 years old. Unfortunately, he still smokes less than half a pack of cigarettes, but on the road to finally quitting and using the nicotine patches.
    He is trying to see if he can get insured to help in burial when the time comes and also to have enough to pay the mortgage off.
    Not sure what the options will be available to him, could use your help in this matter. Can you email me with your response please?
    Thanks in advance for your help!!

    • Randy McClintick May 9, 2016, 11:00 am

      Hello, Rebecca. thanks for your message and visiting JRC’s life insurance website.

      With your husband’s health history landing him on SSDI, he’ll be limited to the “no or few questions asked” type of guarantee issue life insurance. These are designed to help the family with burial policies, and generally are available with death benefits between $5,000 – $25,000. The cost is determined by your age when you first secure the policy, so the sooner the better…they’ll never get lower in cost, only higher.

      JRC reviews policies for 40 top life insurers. Most of our client purchase policies through Gerber Life for the purpose you’ve described. They like the fact that rates never change once you start. At age 59, the cost is around $27 monthly per $5000 (tax-free) death benefit coverage. $10,00 would cost you around $54, $15,000 would be around $81 per month. The key is to find an amount which will always be comfortable in the budget, because if you cancel it in the future, you’ve lost the premiums paid into the policy.

      In exchange for not having to pass a physical there is a 2-year waiting period before the full death benefit kicks in, so we recommend purchasing soon to lock in rates at your husband’s current age to get the waiting period started. If your husband dies in the first 2 years, there’s no money loss…Gerber refunds all money paid in plus interest. The key is to get started while you’re thinking about it…the peace of mind of having it secured is a bonus. Call JRC at (855) 247-9555 and one of our agents licensed for your state will help you. Best of luck to you and your family.

  • Ms. Lina T. May 7, 2016, 2:13 pm

    I’m a single parent of 2 young adults, never married and I’m 55 yrs old with health issues, Diabetes on insulin daily, High Blood Pressure, Kidney problems etc.
    Also live on KAUAI, Hawaii
    Will I be able to get life insurance so I don’t put my kids in a Debt situation after I pass on

    • Randy McClintick May 9, 2016, 10:36 am

      Aloha, Lina. Thanks for visiting our JRC Life Insurance website. If you’re permanently disabled and would have difficulty passing a physical, you’ll need to buy a “guaranteed issue” type policy. These have few or no health questions and are lifetime policies, so good for helping children with debt left behind by a parent. They key thing is to find an amount which will always be comfortable in the budget, because if you cancel it in the future, you’ve lost the premiums paid into the policy. A $10,000 tax-free death benefit for a policy which never increases in cost (what we highly recommend) would run around $35 for a woman starting coverage at age 55. $15,000 death benefit would be around $53 per month, $20,000 death benefit round $70 per month. Anything you can leave behind will be a blessing and welcomed gift for your children.

      There is a 2-year waiting period, before the full death benefit kicks in, so we recommend purchasing soon to lock in rates at your current age and get the waiting period moving. If you were to pass in the first 2 years, there’s no money loss…the insurer would refund all money paid in plus interest. The key is to get started while you’re thinking about it…the peace of mind of having it secured is a bonus. Call JRC at (855) 247-9555 and one of our agents licensed for Hawaii will be glad to help you.

  • Tommy May 16, 2016, 9:05 am

    Hi. If I had a 200K term life ins since my early 20’s , will I have to cancel or lower my policy if I’m approved for ssdi due to pain and arthritis issues? I only take antidepressants Meds and otc Meds. I’m in my 30’s now. Thank You!

    • Randy McClintick May 17, 2016, 2:27 pm


      Your current health doesn’t affect your policy. It’s the reason we always recommend purchasing life insurance when you’re young and healthy. You’re proof of this being such a wise decision, as you’d likely be unable to buy life insurance if you’re disabled in your 30’s.

      We will offer a very important bit of advice. Call your life insurance carrier and ask about your options to convert your term policy to a permanent policy, and if you were to make this “conversion”, what your deadline would be. In most cases, a term policy can be converted to permanent coverage for the current or smaller death benefit without answering any health questions or a new medical exam. Your “risk category” (the health risk determining your policy price) will be the same as when you originally bought your insurance. In other words, if you originally qualified for the insurance companies best risk “Preferred Plus” rates in your 20’s, your risk category remains at #1, even though you’re now disabled, only adjusted for your age at the time you “convert” your policy and the new death benefit you choose. yes, it’s pretty remarkable!

      This “guaranteed conversion option” is one of the best, and often valuable features of term life insurance. When they quote your rates, ask for a variety of options….I would expect you could receive options with a benefit of Otherwise, if you allow your term policy to lapse, you’ll likely be uninsurable at least until age 50, and at that time a small “final expense” policy will likely be quite expensive.

      Share your story with others. We’ll be glad to help your friends and neighbors secure their life insurance and not over pay. We can be reached at (855) 247-9555.

      Best of luck!

  • Mary Curtin May 18, 2016, 8:03 pm

    I have an autistic daughter who is on ssdi and I too was born with a disorder, epilepsy and had brain surgery. I no longer work and I don’t drive either. I wanted to start life insurance for my daughter and I at an affordable rate. What are my chances in opening up policies with jrc.

    • Randy McClintick May 19, 2016, 4:24 pm


      thank you for our question. We’ll help the best we can.

      Your situation is challenging. As explained in our article, 50 is the minimum age to qualify for a “no questions asked” type of Guaranteed Issue life policy, which is what you’ll need if applying while disabled. If you’re 50 or older, give us a call at (855) 247-9555 and we’ll review your options.

      I have a nephew disabled due to Down’s Syndrome. We’re unaware of any life insurance companies selling life insurance for disabled children. If they did, they’d consider the risk so high that the cost of life insurance would likely not make sense to purchase. This is a situation where it’s best to “self insure”, putting money aside on your own in a separate account as you can. Take care, and God Bless.

  • Mildred Williams June 27, 2016, 2:41 pm

    I am looking for Life or death insurance policy that i can afford, I am receiving SSI I am getting older want to be responsible for myself don’t want to depend on my children they all have their own family to take care of, I need help to see how much insurance would be for male and female. Thank you be Blessed and have a Blessful Evening.

    • Randy McClintick July 5, 2016, 10:05 am

      Ms. Williams,

      Thank you for your email. Sorry for the delay; I’m the monitor of emails sent to JRC’s website and have been on vacation.
      It sounds as though you are shopping for “guaranteed approval” life insurance for yourself and husband. We represent a few life insurance companies offering this type of coverage. Most of our clients choose to purchase policies through Gerber Life for this purpose. They like the fact that the cost of the insurance doesn’t increase as you age, with coverage guaranteed for life. Most people buy “final expense” policies with a $10,000, $15,000 or $20,000 death benefit, however we can provide quotes for smaller or larger death benefits depending upon your needs and budget. Call us at (888) 247-9555 and we’ll provide quotes for your age and state of residence. Thanks again for your interest and desire to provide a final gift to your children.

  • Michaelia Boyd July 22, 2016, 12:18 am

    I have been looking into getting life insurance but I’m on disability due to rheumatoid arthritis and polymyositis in the last year I have been using a wheelchair but now is doing very well and started to walk with a walker but it has been very hard to get life insurance that I can afford. But lately, insurance companies have denied me because I have been in a wheelchair. What can I do about this and can I still qualify for life insurance.

    • Randy McClintick July 25, 2016, 2:54 pm


      Thank you for your question and visitng JRC’s website, jrcinsurance.com

      Once you’re permanently disabled, you’re limited to “guaranteed issue” life insurance. These policies generally have a minimum age requirement of 50.

      There’s no medical exam required. There are usually 4-5 health related questions. In regards to wheelchair use, related questions are “are you confined to a wheelchair”. If you’re 50 years of age or older, we can likely help you obtain life insurance. These policies are offered in $5,000 increments, generally between $5,000 to $25,0000. If you have no life insurance, I’m sure any amount will be helpful to your loved ones who will tend to your final arrangements.

      Give us a call if you believe you’ll qualify. We can help you right over the phone, and get a policy to you with a 30-day “free look” period to review it and have us answer questions.

      Our toll free number is (855) 247-9555.

  • Alainna August 29, 2016, 7:46 am

    I am 35 and have had Epilepsy since I was 8 months old. I had surgery in 2009 without success and am currently on 5 anti-seizure medications. One of them puts me at greater risk for dying of SUDEP(Sudden Unexplained Death in Epilepsy), and I have been having an allergy via shortness of breath(to ingredients that are in the pills of my medications). I have been wondering for some time, since I got engaged though, if I could get life insurance on SSI. I get Medicaid and Title 19. I like
    . rttve in Wisconsin. I currently live with my parents and 2 older brothers. Both my parents -my dad is 78(he still works), my mom is 64(and is currently working)- have retirement insurance and I’d hate to leave a burden on them if anything should suddenly happen. I have had other medical problems-Nephrotic Syndrome-that got me close to dying or being stuck on a machine for life at a young age(around 6th grade for me). So I would like to be prepared for something, if anything should happen. As you can see, I have had lots of close calls, so for me it’s “better to be safe than sorry.” I wish I could work right now, but like I said medication issue holding me back right now. I get like $806 a month from state and federal SSI. I actually was working with DVR before everything happened about getting a job.

    • Randy McClintick August 29, 2016, 12:47 pm


      Thank you for your email and question. The type of “Guaranteed issue” (no health questions asked) life insurance you’ll require has a minimum application age of 50. People your age generally “self insure” by setting money aside into a specific bank account as best they can. If there are SSI concerns by having too much savings under their name, they’ll often get assistance through a trusted family member who’d handle final arrangements. Hopefully you’ll make it to age 50. A that time, you could use saved funds to pay for a life insurance policy. Currently these types of policies are offered up to $25,000. There is a 2-year waiting period, but there’s no risk….if you were to pass away during the waiting period, all fund paid into the policy to that point are returned to the beneficiary, along with interest.

  • Asia Thomas September 11, 2016, 6:31 pm

    My father is a quadriplegic and I have been is care taker for the past few years. I have been going through a heck of a time trying to get him life insurance. One lady even described the situation as “insuring an already wrecked car” and there was nothing she could do. It’s life insurance… Not health insurance…. he’s living…therefore, he has life! Is there any insurance company willing to help us out!!

    Thank you for hearing me out!
    Asia T.

    • Randy McClintick September 13, 2016, 1:11 pm

      Ms. Thomas,

      Thank you for visiting JRC’s website. Sorry to hear of your frustrations and that someone used poor metaphor. A better explanation is that life insurance, like any insurance, must be purchased before you need it and must be an acceptable risk. The cost of insurance is based upon the risk to the carrier of paying the claim. With serious health issues, the cost of the insurance, if available, would be close to the cost of the benefit. The other factor is the person insured, must be able to be able to enter into a contract. For these reasons, families will “self insure” by putting money aside for final expenses, rather than paying an outside company which will have stipulations including waiting periods of 2 years or more.

      Hopefully you’ve already purchased life insurance for yourself so your children wouldn’t be in a similar difficult position. Cost is determined by age and health when you first apply. If you’d like JRC’s help, we’ll shop the highly rated companies for you to provide cost comparisons. Our phone number is (855) 247-9555.

  • Gwen morgan September 23, 2016, 5:28 am

    2 questions. Can I obtain life insurance while on a chronic pain disability? And 2. If I receive a payout from someone’s life insurance policy will I lose my benefits?

    • Randy McClintick September 26, 2016, 10:17 am

      Ms. Morgan,

      Thank you for your questions.

      When a person is disabled due to chronic pain, they are eligible for between $5,000 and $25,000 of “Guaranteed Issue” life insurance. It’s the type you hear advertised, where you can’t be turned down. Since there is no medical exam or questions, there is a 2-year waiting period for full benefits. Most of our clients choose lifetime policies if the reason for purchasing is to help their family pay for burial/final expenses, and purchase a policy with a fixed cost which doesn’t increase as you age. The cost of the policy is based on the age you begin, so best to purchase before your next birthday. Call us at (855) 247-9555 and we’ll help you determine which price best for your state of residence. Be advised most have a minimum age requirement of 50 before you’re eligible.

      When you’re the beneficiary of another person’s life insurance, the money received is non-taxable. It generally won’t affect the recipients benefits, but possibly could, based on the amount received and your State of residence’s guidelines. We recommend speaking to someone in your state’s benefits disbursement office and your tax professional for what will be applicable to your specific situation.

  • Thalma Williams December 21, 2016, 7:18 am

    My husband is 74 and I am 66. We are both retired and live off of his annuity. When he passes, the annuity funds stop. I am already receiving social security benefits (I know, I should have waited until age 70 to start getting them, but its’ too late), but would like to invest the social security funds in order to have money saved for use in case I outlive my husband. Should I invest in mutual funds or a permanent life insurance policy?

    • Randy McClintick December 21, 2016, 2:30 pm

      Mrs. Williams,

      Thank you for visiting JRC Life Insurance’s website.

      You ask a common question for support after a spouse dies…is it better to receive life insurance for your on-going expenses, or to have invested the amount you would have paid in premiums.

      The first step is often to determine the cost of life insurance for the person being insured. Call us at (855) 247-9555 and we’ll determine the cost for life insurance, which is determined by a combination of age and health factors.

      “Permanent” life insurance is typically “whole life coverage”, which we can price for you. A more popular choice these days is age-based life insurance….you can lock in rates to age 90, 95, 100 or beyond. These generally price lower (sometimes much lower) than whole life coverage.

      An important recommendation is to not buy more life insurance than you can easily afford. The only way you “lose” with life insurance is to commit so something which later becomes unaffordable. If you stop paying, you life insurance lapses, just as if you stopped making auto insurance payments. Therefore, a combination of life insurance (which pays a tax-free benefit) and investments provides a good mix and less risk.

      There are some life insurance policies which are less costly if you agree to annuity payments rather than a traditional lump-sum death benefit. Mention this when you call and we’ll compare if your husband is eligible.

      Our toll-free number from all 50 states is (855) 247-9555.

      Thank you, and Happy Holidays

  • Laura February 14, 2017, 10:18 am

    Hello. My mom will be 72 in May. She is receiving SSI. I will like to buy life insurance for her. I will be the one paying for it. Can I do that with out her losing her SSI and how much can I buy. Thank you.

    • Randy McClintick February 15, 2017, 10:26 am


      Thank you for your question and contacting JRC life insurance.

      The options available to our mother will vary by the State she resides. At age 72 and on SSI, she will need a “no questions asked” type of policy. These will have a 2 year waiting period from date of approval/purchase to be covered by death due to a health consideration. Accidental death begins immediately. Most of our clients choose policies where rates are fixed for life….some increase every few years, and/or end at age 80. We can provide a quote by phone. To purchase life insurance, we would need to speak to your mother briefly for authorization, though, you and other family members could make the payment on her behalf. Our agents are licensed with nearly 40 life insurance carriers in 48 states, so we can pretty much shop the market for you on one call to help you find an affordable solution. We’re glad to answer any questions you have, and help with quotes for yourself or help verify any life insurance you currently have is competitively priced.

      JRC Life Insurance: (855) 247-9555

  • Janet February 20, 2017, 5:18 am

    Hi, I’m 48 years old had a stroke at age 32 since then became disabled over the years my health I’ve seen death a few times. My I now have chronic neuropathy pain, fibromyalgia, PTSD, Bipolar disorder, Seizures, Anemia, Gastic bypass. Currently I have a caregiver which is my daughter whom I would like to add in the policy because she has no income or health insurance here in fl because she doesn’t qualify in this state not even for Medicaid and she has her own health problems.

    Please advise what life insurance I can purchase with out getting getting in trouble with social security and if there are any life insurance will accept me with my health conditions????

    • Randy McClintick February 20, 2017, 9:39 am

      Ms. Montalvo,

      Thank you for your question and visiting JRC’s life insurance website.

      You will need one of the “no questions asked” type of life insurance policies. These are designed for people who would otherwise be unable to pass a standard life insurance physical. Insurer’s are able to offer this by having a limited benefit during the first two years while paying premiums. If you died within that time, your beneficiary would received any money paid in, plus 5-10%, varying by insurance company.

      For the most part, including the insurers JRC works with, have a minimum age 50 before you could apply. You might check around a bit to see if there’s an insurer in your state with possibly an age 45 minimum. Otherwise, please contact us after your 50th birthday and we’ll help you obtain your life insurance. We only work with companies offering “fixed cost for life” rates. Be cautious of companies offering low initial rates but raising your cost as you age. Many people get priced out later in life when they need the coverage the most. Take care.

  • Mrs.CasJR1st May 18, 2017, 8:34 am

    I’ve had juvenile diabetes since I was 8 and tried to work but I would become ill so I have some work credits. I developed renal failure and have had strikes about 6 years ago and I am on dialysis and on the transplant list my age is 35 would I qualify for any life insurance?

    • Randy McClintick May 23, 2017, 9:42 am

      Thank you for your question and visiting JRC’s life insurance site.

      With your health history, you can only currently qualify for accidental death life insurance (pays if you die in an accident, NOT due to a medical condition). It’s around $12 a month for $100,000 in coverage.

      At age 50 (in most states) you’ll qualify to apply for “Guaranteed Acceptance” insurance like you see advertised on TV. Policies are generally available in $5000 increments from $5,000 to $25,000. There are no medical questions or exams to qualify, however, there is a 2 year waiting period before death due to a medical condition is covered.

  • Thiauna J September 13, 2017, 1:06 pm

    Hello, I am a 45 year old female on SSDI, have been on it going on 4 years. due to heart issues from 2005 & 2010, and a reconstructed airway with stenosis. I am doing well now and nothing major sense 2010. I have been shopping around and doing research. My question is I receive both medicare and medicaid health ins along with food stamps. On my review papers I get from the state (WA) it always asks if I have a life ins policy. Can I loose my benefits, food stamps and or medical if I buy a policy. I make $811 per month with $130 FS. I have had a ins co contact about gar acceptance in for a $30,000 policy for $60 a month. I don’t want to loose my current livelihood if I decide to buy.
    Please help

    • Randy McClintick September 18, 2017, 11:49 am

      Thank you for your email and visiting JRC’s life insurance website.

      Life insurance generally doesn’t affect the ability to qualify for disability insurance. It’s often asked to determine if an applicant for SSDI has a “cash value” whole life policy, which could be considered a financial asset in determining a person’s net worth. “Final Expense” guaranteed issued life insurance in the $5000-$30,000 range has no “cash value”. The death benefit is paid to the policyholder’s beneficiary after death, so there is no “income” to you, the policyholder. Check with your state’s insurance commission or SSDI office to verify for your particular case.

      The guaranteed life insurance policies JRC represents have a minimum application age of 50. We’re not sure if anything younger than 50 is available in Washington state, though, you may find something by checking around. As with all “permanent” insurance, you’ll be paying the monthly premium for remainder of your life, so make sure you choose an amount which will always be affordable.

  • Kimberly Jackson September 29, 2017, 2:52 pm

    I became disabled 3&1/2 years ago due to a near fatal car wreck ( I am a quad incomplete). I am on both on ssi and ssi ( I think that is right). I am 43 years old and the only pain meds I am on is tylenol 3 for pain. I am looking for coverage that will cover my burial without being a burden on my family.

    • Randy McClintick October 2, 2017, 11:33 am

      Ms. Jackson,

      Thank you for your question and visiting JRC’s life insurance website.

      Our guaranteed acceptance life insurance policies are for applicants of minimum age 45-50, depending upon state of residence. If you can’t find something at your age, you may want to have a family member help set up a dedicated savings account to “self insure”, depositing money as you can afford it.

      Best Regards,

      JRC Insurance Group

  • LUCUS E DE SIMAS January 9, 2018, 6:53 pm

    hello I’m 38 years old and I’m on SSDI, at age 30 I was struck with Guillain Berré Syndrome which caused a lot of nerve damage and numbness. unfortunately pain also but I choose to take less pain medication and of course that means I do less. I do have anxiety, but it’s not necessarily a mental affliction with my nerve condition it is also physical symptom. I receive $1,089 a month, I started working at 15yrs and never stop till 2010 and my legs started going numb and then the actual nerves musules and legs stopped working. Fortunately I got treatment and it stopped and reverse a lot of damage and things still could get better as time goes. So I recently got married and since I have no family except my husband, I can only the in the past and try to gain wisdom from the family I don’t have anymore and I remember just three years ago and that’s a year before she passed my mother brought up getting life insurance and of course I didn’t want to talk about it. to me my mother wasn’t going anywhere and of course she was gone a year later. The hard thing was definitely wishing I could have done more or there would have been life insurance or any type of help to at least take care of the funeral home on time. so since I have no family whatsoever I do not want to leave my husband to worry about another thing on top of the unimaginable that he would be going through. I don’t need a large life insurance policy. But I don’t want to have a policy that is so high that amount of premiums in a couple years is more than the life insurance benefit payout. I know I’m not at any more risk of dying than anybody else I’m just on SSDI not hospice care.

    • Randy McClintick January 15, 2018, 10:45 am


      Thank you for your question and visiting our JRC Life Insurance website.

      Once on permanent disability, options for life insurance become more limited, since it’s mainly designed to protect future lost income if a person dies. Some insurers sell $5,000 – $25,000 lifetime policies, but often have a minimum application age of 50. You may be best “self insuring”, but setting aside funds in a dedicated savings account as you can afford it. Should you choose, that money could be used to prepay future life insurance premiums as more options become available to you. Best of luck

  • Ismael Rodriguez January 14, 2018, 8:21 pm

    Hi!! How can i find my dad lost life insurance policy? His name Juan Ladislao Rodriguez DOB: 12-27-1948
    SSN: 618-18-0813 He was living at Los Angeles California and past away on 04-12-2007 Is anyway you can help me? Thanks

    • Randy McClintick January 15, 2018, 10:28 am


      Thank you for your question and visiting our JRC Life Insurance website.
      Try this Life Insurance Policy Locator site. You can also Google your state’s insurance commission and contact them for help.


  • Lillie herrera January 22, 2018, 6:50 am

    I would like to purchase life insurance for mom and my handicapped sister they both have ssi. Would it affect their benefits ? Can I get life insurance for them and my family of 4?

    • Randy McClintick January 22, 2018, 9:24 am


      Thank you for your question and visiting JRC’s life insurance website.

      Give us a call at (855) 247-9555 and an agent for your state will determine what type of coverage your sister, mother, and your family are eligible for. Coverage and cost varies depending upon age and type of disability. We are licensed with over 40 top rated life insurance companies, so will save you a lot of time and money by our helping with the health screening and shopping process. There’s no cost for our services.

      Best Regards

  • Timothy Day February 2, 2018, 9:17 pm

    I just stumbled on your site after searching for information relating to Life Insurance policies and SSDI & SSI benefits in Indiana. I received a letter from FSSA in Indiana requested the cash value of my Life insurance policy. I sent them the required documents. I’ve been disabled since 2013.
    I purchased my policy in March 2014 and it pays $10,000. I purchased an additional $10,000 in August of 2014 bringing the total amount to $20.000… my policy is with Colonial Penn.
    I wasn’t aware that insurance policies were considered assets until recently under Indiana rules, regulations or policies when receiving SSDI & SSI. FSSA is or stands for Family Social Services Administration in Indiana. I fear now that I’ll lose my SSDI & SSI because I have these life insurance policies, and may be liable for payments received from SSDI & SSI for failing to report said policies which I was unaware of having to report them as assets.
    I would be greatful if you could point me in the right direction for legal assistance in this matter so that I don’t lose my SSDI & SSI benefits.

    Thank You
    Timothy Day

    • Randy McClintick February 6, 2018, 10:54 am

      Mr. Day,

      We recommending checking with a tax professional for your state. Generally speaking, a portion of a whole life policy can be considered an asset since whole life generally combines life insurance with an investment vehicle. Only the death benefit, not the investment portion is not subject to taxation or considered an asset. It’s one of the reasons we recommend term life insurance in most cases, since there’s no investment portion or “cash value”.

  • Mindy Lara February 26, 2018, 10:12 pm

    I am really disappointed that people on Disability for a mental illness are treated in humanely.People with mental illness who take medications and go to therapy on a weekly basis should not suffer STIGMA.
    I have have a child and I am a loving mother and I don’t want to leave my family who are financialy poor with the burden of not being able to burry me.
    I have nothing but rejections cause I’m mentally ill.I told my mother today that if I can’t find burial insurance then they should sell my body to science.

    • Randy McClintick February 27, 2018, 10:16 am

      Ms. Lara,

      Thank you for your question and visiting JRC’s life insurance website.

      We should be able to help you obtain $25,000-$30,000 in Guarantee Issue/Acceptance “burial/final expense” life insurance….a policy which pays your surviving beneficiary a tax-free lump sum so the financial burden is not placed upon them. The only things that generally rule this coverage out is if someone is in assisted living or under age 50. The minimum age to qualify is for everyone, regardless of the their health or affliction.

      Our clients under age 50 seeking this insurance often “self insure”, paying what is the equivalent of monthly insurance premiums into a designated savings account. Once they turn 50 they then use these funds to begin paying life insurance premiums. Buying at age 50 secures the lowest lifetime rate for these policies.

      If you are over age 50 and would like our help comparing rates and coverage options, call us at (855) 247-9555. Best wishes

  • Randy McClintick March 15, 2018, 9:52 am

    Ms. Steurke,

    Thank you for visiting JRC’s life insurance website.

    We wouldn’t expect $2200 to have any bearing since it’s a relatively amount and not earned income, however, best to confirm with a Social Security benefits coordinator. Your state’s Department of Insurance may also be able to help.

  • Darlene April 16, 2018, 3:06 pm

    Hi, my sibling is on ssi and he has a mild mental retardation. I tried to get a term life insurance policy for him, but was told that because of his mental impairment I would have to get a whole life guarantee policy. I would like to know if this information told to me is correct. I was only able to get him a $7,000 policy because of his low SSI income but that amount is really too low for proper burial.

    • Randy McClintick April 18, 2018, 11:14 am


      Thank you for contacting JRC Life Insurance and visiting our website.

      Yes, there are limits to life insurance often regardless of reason for disability. If a person’s mental retardation prevents them from entering a contract (a common question on most financial services applications) you’re limited further. You might be able to pickup a second small policy for your brother, but be sure to read all the details and disclaimers to ensure he will actually be covered. Rather than rely on life insurance, many people in similar circumstances “self insure” by regularly putting money into a dedicated savings/investment account to eventually pay for a family member’s final expenses.

  • Mildred Lopez April 30, 2018, 5:30 pm

    My sister told me that now that I am disable I should not have to continue to pay my life insurance. I have been paying my life insurance since I was 32 years old. I am 63 years old. Is this true?

    • Randy McClintick May 6, 2018, 9:00 am

      Ms. Lopez,

      Thank you for contacting JRC Life Insurance and visiting our website.

      You’ll need to contact your life insurance company to check on this. Some life insurance policies have a “disability rider”, which can (not always) cover insurance premiums should you become fully disabled. This “rider” is generally sold as an option when a life insurance policy is first applied for.

  • happygurlsunshine November 25, 2018, 9:46 pm

    My mom and I both are on ssi. We are thinking about purchasing small amount. If we get policy would we lose our ssi or being at risk for it being canceled.

    • Randy McClintick November 26, 2018, 9:26 am

      Thank you for contacting JRC Life Insurance and visiting our website.

      Life insurance has no bearing on Social Security benefits. Should you receive a life insurance death benefit as a beneficiary, it’s 100% tax-free.

      JRC Insurance Group

  • deborah curtis May 2, 2019, 7:10 am

    I am a 62 y.o. single woman,in fairly good health,and looking to purchase a policy for 10,000 for burial expenses.Was looking into a whole life policy with my son as the beneficiary,but I have been reading that if you are on SSDI or medicaid,that they would consider it a asset,they would either use the death benefit rider or take me off SSDI and medicaid altogether, even though I wou;d put the beneficiare as my son and not he estate.Could you tell me if what I said is correct,and if there are other ways around it with a different policy, or should I make the funeral home the beneficiare.

    Thank you

    • Randy McClintick May 7, 2019, 1:46 pm

      Mrs Curtis,
      Purchasing life insurance should have no bearing on your social security/SSDI, since there’s no asset/financial gain until you’ve died. With your son as beneficiary, he’d receive the policy death benefit tax-free. For peace of mind, you could check with your social security office for confirmation.

  • Corinne July 12, 2019, 12:15 pm

    Hi, I am currently working with a mother who has had several debilitating strokes within the last 5 years. She is 54 years old and her daughter is her primary caregiver. She receives a set amount of money through SSDI each month, and puts a certain amount into a trust to avoid a Medicaid spend-down. Her daughter is interested in life insurance for her, however I am unsure of what route would be best to take and whether or not she would be approved. Would a funeral trust be a better option?

    • Randy McClintick July 15, 2019, 10:34 am

      Ms. Frank,

      Thank you for your question and visiting JRC’s Life Insurance website.

      As long as your client is well enough to sign a legal contract, she should be eligible to apply for “Guaranteed Issue” life insurance. The mother could make her daughter the payee, owner, and beneficiary.

      These types of policies carry a money-back feature the first two years of paying premiums. After that threshold, the full death benefit (usually up to $25,000 in $5000 increments) is active. It’s obviously best to buy a lifetime policy, as some age out. Also look for a fixed payment/death benefit policy, so neither of these change with age.

      If your client and daughter can make a joint call, we can help them compare policies to find the best fit. JRC’s toll-free number is (855)-247-9555

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