Q

Can you get life insurance if you don’t have the COVID-19 vaccine?

A

Yes. Most life insurance companies will not ask if you have the COVID-19 vaccine during the application process.

Nupur Gambhir

By

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.

Published July 28, 2021|4 min read

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Most life insurance coverage only becomes active after a thorough evaluation of your medical history — this includes a record of any pre-existing conditions, surgeries you’ve had, and even any prescriptions you take. But one factor that insurers won’t consider is whether or not you are vaccinated against any illness. Whether that be for measles, hepatitis, or the flu, your vaccination status has no impact on your life insurance application or your active policy. 

While insurers will want an in-depth understanding of your health, they will never ask about your vaccination status during the life insurance application process — outside of questions related to the COVID-19 vaccine. Whether or not you have your basic vaccines won’t impact your eligibility for coverage or how much you pay for your policy. However, as the COVID-19 pandemic continues to evolve, a few companies may ask about your vaccination status if you are considered a risky candidate.

Key Takeaways

  1. Most insurers do not ask if you have received the COVID-19 vaccine, though a select few may ask on a case-by-case basis

  2. Getting the COVID-19 vaccine does not impact your life insurance application because it is not an experimental drug

  3. If you become severely ill, you may have to pay more or become ineligible to receive coverage

  4. Insurers will postpone your application if you are diagnosed with COVID-19

Getting coverage if you're not vaccinated

The only instance where not having vaccinations would impact your life insurance policy is if it led to you developing a serious and life-threatening medical condition. For example, if you didn’t get the HPV vaccine and later develop cancer, that cancer diagnosis will make you ineligible for life insurance coverage. 

On the flip side, a minor medical condition won’t have any ramifications for your policy. For example, if you don’t get a flu vaccine and then catch the flu while you’re applying for coverage, insurers won’t raise your prices. 

Life insurance and the COVID-19 vaccine

Almost half of U.S. adults are fully vaccinated against COVID-19. [1] But still, insurers’ policies on the COVID-19 vaccine are generally the same as their overall vaccination policy. When you’re applying, you likely won’t be asked about your vaccination status. However, due to the current spread of the virus, a few insurers may ask about your vaccination status on a case-by-case basis, such as if you are traveling to a country with a Level 4 Travel Advisory.

But for the most part, if you’re not vaccinated, insurers won’t reject your application. Likewise, if you are vaccinated, you don’t get any brownie points — from insurers, at least. But if you happen to contract coronavirus while you’re applying for life insurance, your application will be rejected or delayed. Furthermore, if you experience any long-term health issues caused by the coronavirus, insurers may scrutinize your application. 

“If you’re not vaccinated, you shouldn’t expect to pay any more for life insurance than a vaccinated applicant with the same background,” says Eloise Spinello, a life insurance expert and the Associate Director of Carrier Relationship Management at Policygenius. 

At the peak of the coronavirus pandemic in the U.S., most insurers imposed tighter restrictions for life insurance eligibility. While many have since relaxed their guidelines, restrictions that are still in place cannot be reduced if you are vaccinated.

This means if an insurance company won’t offer you coverage due to age, a pre-existing condition, or any international travel, being vaccinated against the coronavirus won’t, unfortunately, sway your application in your favor — unless you shop with Protective. Protective is the only insurer working with Policygenius provides 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. 

Like the ever-changing nature of the coronavirus pandemic, these rules may change in the future.

“It’s possible that insurers' protocols will change as we get more data about the COVID-19 vaccine's efficacy. But we don’t anticipate that COVID-19 vaccinations will become a part of the life insurance application process,” says Spinello. 

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Does the COVID-19 vaccine void life insurance?

Contrary to some claims circulating on social media, getting the covid vaccine does not void your life insurance policy. Under most circumstances, life insurance companies cannot cancel your policy unless you intentionally misled them during the application process — for example, if you said you were a nonsmoker but actually smoked a pack of cigarettes a week. 

Additionally, the COVID-19 vaccine is not an experimental drug. The vaccine has gone through safety testing before being approved by the FDA for emergency use.

For the most part, whether or not you have the COVID-19 vaccine has no ramifications for life insurance policyholders or applicants trying to get coverage.

Frequently asked questions

Can you get life insurance if you are anti-vaccination?

Yes. Life insurance companies do not ask you about your vaccination status during the application process, so you can still get coverage if you do not have your routine vaccinations. However, if you develop a serious illness, you may become ineligible for life insurance.

Will life insurance cover the COVID-19 vaccine?

Yes. If you get the COVID-19 vaccine, there is absolutely no impact on your active life insurance policy. Insurers cannot cancel your coverage unless you intentionally lied on your application or stop paying your premiums.

Does getting the COVID-19 vaccine disqualify you from getting life insurance?

No. Your vaccination status will never disqualify you from getting coverage.