Does vaccination affect your life insurance coverage?


quick Facts

  • Do not ask life insurance companies about your vaccination history
  • Having COVID may affect life insurance policies in the future, especially if you develop long-term symptoms as a result
  • Compare life insurance quotes to determine the type of policy and death benefits you need

In a post-pandemic society, many people are curious about the relationship between the COVID vaccine and life insurance costs. Life insurance companies do not ask about your vaccination records for the COVID vaccine or any other vaccinations.

However, vaccination may allow you to get cheaper long-term life insurance rates.

While life insurance companies do not require your vaccination records, vaccination may affect life insurance coverage and rates because of how life insurance companies use life insurance rating classes as a way to set customer rates.

The effect of vaccinations on life insurance underwriting

Life insurance companies may not make a regular practice of asking for vaccination records. However, vaccines affect life insurance rates in a number of ways because of how life insurance rates are determined.

Vaccines and life insurance have a more symbiotic relationship than people realize. If you have been vaccinated, you are less likely to get sick or less likely to develop severe symptoms.

When it comes to lIfe insurance with COVIDFor example, a vaccine can help you avoid experiencing the worst symptoms associated with the virus.

Life insurance quotes are always free.

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The link between vaccinations and life insurance rates

Life insurance with pre-existing terms can be expensive. If you get vaccinated and avoid some of the long-term symptoms that many life insurance companies consider a problem, you may get cheaper life insurance rates.

You won’t automatically be charged extra for life insurance by refusing a COVID vaccine, but your life insurance rates could be higher in a few decades than those of someone who chose to get the vaccine.

How your vaccination status may affect your life insurance

Life insurance companies may be allowed to consider your vaccination status in the future, but that hasn’t been decided yet.

In addition, for a company to consider a COVID vaccine, that company would likely also have to evaluate vaccines for things like the flu and shingles.

So, if you are not likely to get other vaccines in the future but worry that not getting a COVID vaccine could make life insurance too expensive, that is not likely to be the case.

Factors affecting life insurance rates

A person’s age, gender, family medical history, and tobacco use are major factors that affect life insurance rates.

Monthly life insurance rates by age, gender and smoker status

Policyholder age and tobacco use male feminine
25 years old, non-smoker $179 $161
25 years old smoker $322 $249
35 years old, non-smoker $166 $179
35 years old smoker $286 $322
45 years old, non-smoker $185 $166
45 years old smoker $360 $286
55 years old, non-smoker $240 $185
55 years old smoker $493 $360
65 years old, non-smoker $268 $240
65 years old smoker $638 $493
Average annual rates for non-smokers 407 bucks $268
Average annual rates of smokers $992 $638

If you’re worried about how much you’ll pay for life insurance, look up and compare quotes from several companies to learn more about how to buy life insurance that fits your budget.

Life insurance quotes are always free.

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Navigating life insurance coverage for unvaccinated individuals

Looking for life insurance without a vaccine is the exact same process as looking for life insurance after getting vaccinated.

First, decide what type and amount of coverage you want. Next, search and compare life insurance coverage for unvaccinated individuals online. Your rates will be identical to life insurance rates for vaccinated individuals, assuming you do not have a pre-existing condition.

Disclosure of your vaccination status to your insurance company

You do not have to talk to your insurance company about your vaccination status. However, finding the best life insurance companies in your area can be challenging.

If possible, purchase life insurance coverage and complete medical exams associated with your policy once all of your COVID symptoms have subsided.

Companies considering charging higher fees to unvaccinated individuals

Life insurance companies do not ask about your vaccination status. If you are concerned about the disclosure of information about vaccines, it is your choice not to discuss it. Life insurance should not charge more or less based on the COVID vaccine.

Life insurance quotes are always free.

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Vaccinations can protect us from global diseases and epidemics

If you get the COVID vaccine, it may help protect you and others from global pandemics and other diseases. Life insurance rating chapters may help you understand where you fall.

A record of the country’s preparedness to confront epidemics

state Hospital beds
(per 1 thousand people)
Active doctors
(per 100,000 people)
Not insured
population
preparedness
rank
Massachusetts 2.3 449.5 3.3% 1
New York 2.7 375.1 6.6% 2
Pennsylvania 2.9 320.5 6.6% 3
Minnesota 2.5 302.7 5.1% 4
Rhode Island 2.1 370.0 5.4% 5
Michigan 2.5 287.0 6.1% 6
Vermont 2.1 367.1 5.5% 7
West Virginia 3.8 263.4 7.5% 8
Ohio 2.8 292.7 7.1% 9
Connecticut 2.0 352.1 6.3% 10
Delaware 2.2 284.6 6.1% 11
Hawaii 1.9 314.1 4.6% 12
Kentucky 3.2 230.9 6.4% 13
Maryland 1.9 386.0 7.0% 14
North Dakota 4.3 237.6 8.6% 15
yeah 3.0 218.2 5.5% 16
Illinois 2.5 284.4 7.9% 17
Louisiana 3.3 260.3 9.6% 18
who 2.5 330.2 10.2% 19
New Hampshire 2.1 315.1 7.0% 20
New Jersey 2.4 306.5 9.0% 21
Nebraska 3.6 239.2 9.6% 22
Wisconsin 2.1 264.9 6.4% 23
South Dakota 4.8 240.4 10.8% 24
Missouri 3.1 273.1 10.9% 25
Montana 3.3 247.1 10.4% 26
Washington 1.7 278.8 7.1% 27
Kansas 3.3 227.6 10.1% 28
Tennessee 2.9 253.1 11.3% 29
Arkansas 3.2 207.6 9.3% 30
Colorado 1.9 285.7 8.7% 31
Indiana 2.7 230.8 9.6% 32
Oregon 1.6 303.4 8.2% 33
California 1.8 279.6 8.2% 34
Alabama 3.1 217.1 11.0% 35
fl 2.6 265.2 16.0% 36
Virginia 2.1 263.2 10.2% 37
Wyoming 3.5 207.9 14.2% 38
Mississippi 4.0 191.3 14.5% 39
Alaska 2.2 276.9 14.8% 40
North Carolina 2.1 255.0 12.6% 41
South Carolina 2.4 229.5 13.1% 42
Georgia 2.4 228.7 15.5% 43
New Mexico 1.8 244.8 11.0% 44
Oklahoma 2.8 206.7 16.5% 45
Arizona 1.9 242.0 12.1% 46
Utah 1.8 216.2 10.0% 47
Texas 2.3 224.8 19.4% 48
nv 2.1 213.5 13.1% 49
Idaho 1.9 192.6 11.8% 50

However, buying life insurance during a pandemic can be challenging. Underwriting life insurance is a nuanced experience, and it’s important to find and compare quotes for multiple life insurance policies to determine which ones will work best and which ones are the best price.

The future of vaccinations and life insurance

If you consider the states that are best and least prepared for a pandemic, you may also be interested in the relationship between the COVID vaccine and life insurance costs. Your medical history and life insurance rates go hand in hand.

If you are in good health, life insurance rates should be competitive based on life insurance rates by age and gender.

If you have a pre-existing condition, or if you have a weakened immune system, life insurance rates will likely change as a result. While the COVID vaccine can help some individuals get cheaper life insurance rates, getting the vaccine will not automatically raise or lower your rates.

Frequently Asked Questions

Can vaccinations lower life insurance rates?

Life insurance companies do not ask about your vaccination records. However, getting a vaccine can help you avoid medical conditions in the future.

Can I get life insurance if I have a pre-existing condition?

You can get life insurance at any stage. Someone with a pre-existing condition may want to consider a guaranteed issue policy or another life insurance policy that does not require a medical exam.

Are there specific vaccines that affect life insurance coverage?

Vaccines do not directly affect life insurance rates.

Can I get life insurance if I have long COVID?

Long-term insurance against COVID-19 They may be more expensive if symptoms persist for a long period of time. Still, shopping online for coverage should allow you to find more affordable rates.

What will cancel my life insurance policy?

You should always give truthful information to your life insurance company to avoid losing your life insurance coverage.

Can insurance companies deny coverage to the unvaccinated?

You will not lose the chance of life insurance coverage based on your vaccination history.

Do I have to disclose my vaccination status to my insurance company?

You may want to disclose your vaccination history if you have pre-existing conditions that would become more harmful if you had COVID.

Will my life insurance policy cover deaths related to COVID-19 if I have not been vaccinated?

Your life insurance policy will pay out if you die as a result of the virus.

Can I get life insurance with hepatitis?

Life insurance quotes are always free.

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Editorial Tips: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective third party source for all things life insurance. We update our website regularly, and all content is reviewed by life insurance experts.

Rachel Brennan has been in the insurance industry since 2006 when she started working as a licensed insurance representative for 21st Century Insurance, during which time she held her property and casualty license in all 50 states. Several years later, she expanded her expertise in the insurance field, earning a license in health insurance and AD&D insurance as well. I worked for a small health in…

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written by

Rachel Brennan
Licensed insurance agent
Rachel Brennan

Benjamin Carr has worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and advised his clients about their life, health, and property/accident insurance needs. Assessing risk and helping people find the best coverage for their needs is his passion. He appreciates that insurance is designed to protect people, especially in times of…

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Benjamin Carr

Former state farm insurance agent

Benjamin Carr



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