Can a person with Alzheimer's get life insurance?


Q: Will being diagnosed with Alzheimer’s disqualify mom for life insurance?

A: Coverage is not typically offered for individuals that have been diagnosed prior to age 75.

However, there are many factors that can affect the underwriting decision for a life insurance applicant who has Alzheimer's.

A few of the factors are:

  • The applicant's current age
  • The age at the onset of Alzheimer's symptoms
  • The type (and extent) of assistance needed to perform activities of daily living

If the policy is issued, the annual premium may be cost prohibitive and you may need to look for other options of care.

If you are shopping for coverage for a loved one with Alzheimer's, it pays to look for an insurance professional who specializes in "substandard impaired risk life insurance."

Rosanne Rogé joined R.W. Rogé & Company, Inc. in January 1995. She is a graduate of C.W. Post - Long Island University. Ms. Rogé is certified by The Certified Financial Planners Board of Standards to use the professional certifications CFP and Certified Financial Planner. She is also a Certified Senior Advisor (CSA).

R.W. Rogé & Company

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A related question- My mom with ALZ qualified for medicaid 3 months ago and she is in a nursing home. What happens to her life insurance when she passes? It's not a huge policy, but does it go to the state, the NH or to her survivors?
I know of a few companies that are able to write life insurance for people with Alzheimer's. Generally the policy amount is limited to less than $25,000 and it may have a reduced benefit should death occur due to illness in the first 1-3 years.