Question by Lyn93: Where can I get life insurance for a person with a mental disability?
I need to get life Insurance for my husband (42 yrs. old) who has a mental disability called Paranoid Schizophrania. We had life insurance for him before, but when he got sick, and had to leave his job, we ran into hard times. I was the only source of income at the time, and it was only enough for the basic necessities in life. I couldn’t keep the payments on his insurance. We waited months to hear something from Social Security Disability, and by that time I had lost his insurance.
When we started getting a little more income from his disability, and applied at different Insurance Companies for Insurance for him , they turn him down. They considered people with mental disabilities a risk. The Insurance Companies didn’t say this in so many words, but when you answered their health questions truthfully, and get denied. It’s not hard to figure out. We ended up getting him burial insurance, but we both are bothered that he can’t leave much to me and our daughter. I do have a policy.
Answer by Kay3535
Many states have programs which make insurance available to people with mental or physical disabilities. Check with local mental health services to see if they know of any in your state.
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