Does life insurance cover coronavirus?


Shopping for life insurance may be complicated by the coronavirus, but everyone still has options. If you’re already covered, the death benefit will be paid to your family if you pass away from a pandemic-related illness.

Nupur Gambhir


Nupur Gambhir

Nupur Gambhir

Life Insurance Expert

Nupur Gambhir is an insurance editor at Policygenius and licensed Life, Health, and Disability agent in New York.

Updated August 30, 2021|8 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

Article featured image

Life insurance offers financial protection for your loved ones if you die unexpectedly. Because of the ongoing pandemic, you may be considering the necessity of purchasing a policy or wonder how it might affect the policy you already have.

While some life insurance companies have changed how they approach  applications in response to the COVID-19 outbreak, others are underwriting applicants based on pre-pandemic guidelines. Policygenius’ independent agents will work with you for free to compare companies and find the insurer that will work with your individual circumstances. 

If you already have an active policy and die of a pandemic-related illness, your family would still receive the death benefit, even if you had traveled abroad. Life insurance covers pandemics, assuming you were truthful about your travel plans during the application process.

Key Takeaways

  • Active life insurance policies won’t change due to the COVID-19 pandemic

  • If you are applying for life insurance during a pandemic, you should be completely honest about any past or future travel plans, otherwise, your policy may be invalidated

  • There are life insurance options available for everyone and working with an independent broker like Policygenius is the best way to find the right life insurance policy for you

Does life insurance cover pandemics?

Because your health and medical history determine what type of life insurance premiums you pay, a global health crisis like the coronavirus may impact your policy if you’re currently in the application process (or thinking of starting it).

Most people can still buy affordable coverage during the ongoing pandemic. However, some demographics may see some application restrictions. 

If you already have life insurance in place, you’re covered. In the rare event you were to die from a pandemic-related illness, your beneficiaries would still receive the death benefit.

Applying for life insurance

Alongside other emergency preparedness methods, life insurance is an important risk management tool to consider. If the unthinkable happens during an emergency and you are no longer around to provide for your loved ones, a policy with enough coverage and a sufficient term length protects your family from financial suffering.

No-medical exam policies have become increasingly popular during the COVID-19 outbreak. They're completely contactless but are still affordable — and can sometimes be even cheaper than other policies. And, to make sure you're covered while you're applying, you can get temporary coverage, which pays out if you die before your actual policy is active.

“Having life insurance is one way to build resiliency, this is how you empower yourself. This is what you do to be responsible and take control. While the pandemic has forced us to feel out of control in so many ways, this is one simple way to protect yourself,” says Dr. Lisa M. Koonin, Founder of Health Preparedness Partners and formerly with the Centers for Disease Control and Prevention.

Barring any major changes, the coronavirus has a larger impact on people who are applying for a life insurance policy than those who already have a policy in place.

“The most immediate implication the coronavirus has on life insurance is on applicants. If you’re applying for life insurance now and planning a trip abroad, you’ll likely need to wait until after you return to complete your application,” explains Nicholas Mancuso, manager of the disability and advanced planning team at Policygenius. “But if you already have life insurance, and you die from the coronavirus, your beneficiary will still receive the death benefit.”

Your life insurance application may be postponed or rejected depending on your travel plans, age, or if you have received a positive COVID-19 diagnosis. You may also be required to list the state you are quarantining in as your state of residence on your application. However, these restrictions don’t apply to every life insurance company and some insurers have resumed operating as they were pre-pandemic. An insurance agent will work with you to find the right policy for your profile.


Most insurance companies offered through Policygenius do not ask about your vaccine status, for COVID-19 or any other vaccine, meaning whether or not you are vaccinated shouldn’t impact your eligibility or premiums.

Protective is the only insurer in the Policygenius marketplace that will offer coverage to people who may be otherwise ineligible for a policy if they are vaccinated against COVID-19. Eligibility for coverage based on your vaccination status depends on your age and medical history. 

Travel restrictions 

Due to the current spread of the coronavirus, your life insurance application may be affected if you’re traveling internationally.

Some insurers will postpone application approval if you have returned from travel outside of the U.S. within the last 30 days or have plans to travel abroad. Additionally, they may postpone your application if a member of your household has recently returned from travel outside the U.S. Travel will generally be assessed on a case-by-case basis and if you have plans to travel abroad to a country with a CDC level 1 or 2 advisory [1] you may still be able to get coverage at a competitive price. 

Each insurer has their own specifications on how they underwrite CDC travel advisories and what countries are approved to get a new life insurance policy. 

Contracting the coronavirus 

If you contract the coronavirus, insurers may postpone your offer for up to 90 days or until you have made a full recovery. Depending on how severe your coronavirus symptoms were, some insurers may postpone your application for up to six months. 

If you have come into close contact with someone who has tested positive for COVID-19, you may also be required to postpone your application or provide a statement of good health for a new or pending life insurance application.

Age and health restrictions

If you are older or have certain medical conditions that could make you more susceptible to the coronavirus, you may see some restrictions when applying for life insurance. 

A select few insurance companies have adjusted their maximum applicant age and insurable underlying health conditions, which could make you ineligible for life insurance. You can make sure you get coverage by shopping around — working with an independent broker like Policygenius can help you find an insurer that will work with your specific background.

Life insurance premiums during a pandemic

Similar to any other medical diagnosis, the severity of an illness can impact your life insurance rates when you’re applying for a policy. While simply getting a virus, such as the seasonal flu, won’t cause a price hike in your life insurance premiums, some of the long-term side effects of getting ill can.

If you were to contract the coronavirus and it caused long-term health problems before you applied for life insurance, you might end up receiving a lower health classification and a costlier life insurance policy.

For the most part, however, if you get ill, make a full recovery, and later apply for life insurance, you can expect that the price difference in life insurance premiums will be minimal. And, as we mentioned, if your policy is already in force and you contract the coronavirus, there won't be any impact on your premiums.

How quarantine could affect your application

If you are quarantining in a state that you don’t currently reside in, this could impact your life insurance application. Some life insurance companies are requiring that your paperwork match the state you are currently in, even if it is not the state you reside in. Others are still accepting paperwork for the state you permanently reside in.

Because this varies for each life insurance company and application, you'll want to discuss how to proceed with your application with your life insurance agent.

Ready to shop for life insurance?

Start calculator

Active life insurance policies

The pandemic has financially hurt many Americans [2] , making it more difficult to keep up with everyday bills and expenses. According to the Center on Budget and Policy Priorities [3] , one in four adults cannot afford to pay for household costs due to the economic crisis caused by the pandemic. 

While insurers aren’t completely forgoing premium payments, they are allowing for some flexibility in payment schedules if the pandemic has negatively affected your financial health.

But if you already have a life insurance policy and you can pay your premiums, you shouldn’t see any major changes to your policy. Newly imposed restrictions on applicants don’t apply to people who already have an active policy. For example, if you’re traveling to a highly compromised area, life insurance companies can’t change your health classification or the rates you pay.

Likewise, if you die from a pandemic-related disease or travel abroad, life insurance companies can’t deny your family the death benefit. While some life insurance policies have exclusions for specific causes of death — like if you were to die while doing a high-risk activity or in an act of war — there is no pandemic exclusion for life insurance.

Late premium payments

Due to an increase in unemployment and other consequences of the coronavirus, some people, understandably, have not been able to budget for a life insurance policy at this time. 

Some states have implemented regulations to prohibit life insurance companies from charging late fees or reporting late payments to a credit reporting or debt collection agency. Check with your insurer to see how they are handling late payments and repayment plans.

Traveling abroad with an active policy

If you recently purchased a life insurance policy and did not disclose travel plans abroad on your application, or lied about contracting the illness, then there is cause for concern.

If your insurer finds out that you withheld information about your travel, contract the disease in question, and pass away from it, the life insurance company can refuse to pay out the death benefit to your beneficiaries. If you are applying for a life insurance policy and have travel plans or have gotten sick, it’s important to be honest about this — and everything else — during the underwriting process so that you don’t risk losing coverage.

However, if you were completely honest about any known travel plans, life insurance companies cannot deny your beneficiaries the death benefit payout.

While there are many unknowns regarding the ongoing coronavirus outbreak, getting a life insurance policy can provide the peace of mind that your family is financially protected in a worst-case scenario. Preparing for the unthinkable is never an easy conversation, but it is a necessary one in our ever-changing world.

As Koonin says: 

“It’s about building resilience. It means that from an individual perspective, you have as much capacity to weather the storm and bounce back from adversity as possible, to be okay when the world gives you the unexpected, as we’ve seen with COVID. It has taught us that life can throw curveballs, and it’s important to be prepared.” 

Frequently Asked Questions

Does life insurance cover pandemics?

If you die due to the coronavirus, the life insurance company will still pay out the death benefit to your beneficiaries.

On the other hand, if you are applying for life insurance and receive a positive COVID-19 diagnosis during the application process, your application will be postponed, with the opportunity for reconsideration after you have recovered.

How does travel affect my life insurance application?

If you have recently traveled internationally, some life insurance companies may postpone your life insurance application until 30 days after your return.

Each company has different policies regarding coverage for individuals who are traveling internationally, and it is important to check with the insurer to see what their travel guidelines are.

How does travel affect my current life insurance policy?

Any travel plans that were not misrepresented during your life insurance application process will not affect your active policy. If you had a policy in place before the coronavirus outbreak and were honest on your application about any travel plans, life insurance companies cannot cancel your policy if you travel.

Should I buy life insurance that doesn’t require a medical exam?

If you're unable to take the medical exam due to the coronavirus outbreak, a no-medical exam life insurance policy can ensure that your loved ones are financially protected if you die unexpectedly. You can explore your options with a Policygenius advisor for free to determine what works best for you.

What happens if I die from the coronavirus during the application process?

Life insurance coverage isn’t active until you have officially signed your application and paid your first policy premium. If you pass away from the coronavirus during the life insurance application process, you do not have life insurance coverage and a death benefit will not be paid out to your beneficiaries unless you have temporary coverage in place.

You can purchase temporary coverage during the life insurance application process so that your beneficiaries receive some life insurance money if you die unexpectedly.

What happens if I contract the coronavirus during the application process?

If you contract the coronavirus during the application process, it is important to be honest about this with the underwriter. There is a chance that the life insurance company will postpone your application until after your recovery, but any dishonest or omitted information can lead to your ineligibility for a policy or your policy’s cancellation.

Would the death benefit be paid out if I have an active life insurance policy and pass away from the coronavirus?

There is no life insurance exclusion for the coronavirus and as long as you were honest during the application process, a life insurance company will not deny the death benefit to your beneficiaries if you die from the coronavirus.

If you misrepresented any travel, doctor visits, or other pertinent information during the life insurance application process and then later die from the coronavirus when your policy is active, insurers can then deny your beneficiaries the death benefit.

Are there any other changes to my life insurance policy I should know about?

Life insurance applicants are going to see the biggest impact. Some insurers may postpone your application if you are traveling abroad, but others may not take your travel into account. If you have a policy in force, life insurance companies cannot penalize you for getting ill or traveling internationally.