Best Life Insurance for an Amputated Limb in 2025 (Find the Top 10 Companies Here)

AIG, Prudential, and State Farm offer life insurance plans for people with amputated limbs, starting as low as $17 per month.
These companies focus on providing financial security for your family while meeting the needs of those with amputations. Their plans are flexible, with strong coverage and extra benefits like disability riders or additional support for health issues.

Our Top 10 Company Picks: Best Life Insurance for an Amputatee

Whether the amputation is due to an accident or a medical condition, these providers can help give you peace of mind and financial stability for the future.

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#1 – AIG: Top Overall Pick

Pros

• Affordable Rates: AIG life insurance reviews is an excellent choice for affordable coverage starting at just $23/month for an amputated limb.
• Customizable Plans: AIG offers flexible options for layering life insurance policies catering to specific needs, in particular, offering valuable options for amputee insurance.
• Comprehensive Coverage: AIG provides comprehensive financial security like insurance coverage for lost limbs, aid for severe medical conditions, and disability benefits

Cons

• Limited Policy Options: AIG’s choices for amputated limb insurance of certain policy riders may be limited than other providers offered.
• Complex Underwriting: Some customers report a longer underwriting process due to the unique health considerations related to amputations.

#2 – Prudential: Best for Disability Benefits

Pros

• Whole Life Policies: Prudential offers whole life insurance and provides both long-term coverage and cash value benefits for amputees starting at $19 a month.
• Flexible Coverage: Prudential offers customizable riders, which permits policyholders the flexibility to control coverage according to individual needs, making it ideally suited for amputated limb insurance.
• Financial Strength: Prudential is also known for its strong financial ratings, ensuring that customers with amputated limbs are supported by a reliable insurer.

Cons

• Higher Premiums for Some Policies: Prudential’s whole-life policies may come with higher premiums for some amputees compared to term-life options. (Learn More: Prudential Life Insurance Company Review).
• Limited Rider Options for Younger Applicants: Prudential’s policies might offer limited rider options for Younger applicants, especially those with amputations.

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#3 – State Farm: Best for Custom Coverage

Pros

• Comprehensive Coverage: State Farm offers comprehensive life insurance cover, critical illness cover, and supplemental riders for the amputation of limbs starting from $22 a month.
• Competitive Rates: State Farm offers inexpensive rates for amputated limb life insurance, which is very accessible for many.
• Strong Customer Support: State Farm provides quality customer care that helps an amputee to easily maneuver their insurance coverage.

Cons

• Premiums Can Vary: Based on the level of coverage selected, premiums may be higher for some amputees. For more insights, explore our “State Farm Life Insurance Review.“
• Limited Nationwide Availability: State Farm may not be available in all states, which can be a drawback for those seeking life insurance for an amputated limb.

#4 – Northwestern Mutual: Best for Financial Planning

Pros

• Flexible Whole Life Options: Northwestern Mutual offers whole life policies starting at $26/month, providing lifetime coverage for amputated limb insurance.
• Cash Value Growth: Northwestern Mutual policies accumulate cash value over time, which can benefit people with amputations. For more, see our guide, “Northwestern Mutual Life Insurance Review.“
• Strong Financial Stability: Northwestern Mutual is highly considered for its financial stability and also offers help for amputees financial support to ensure your policy remains secure.

Cons

• Higher Premiums: Northwestern Mutual’s life insurance premiums can be relatively high compared to other providers, especially when considering the costs associated with Northwestern Mutual disability insurance.
• Limited Online Access: While Northwestern Mutual offers personalized service, its online tools for managing policies may be more limited, especially when it comes to using the mutual limb measure for customization.

#5 – Mutual of Omaha: Best for Wellness Programs

Pros

• Affordable Coverage: Mutual of Omaha offers affordable life insurance policies for amputated limbs starting at $20/month
• Customizable Coverage: The insurer offers several different policies with custom-made coverage in terms of each amputee’s personal need.
• Reputation for Reliability: Mutual of Omaha is also known for its support for people with medical conditions and reliable customer service.

Cons

• Policy Restrictions: Mutual of Omaha may have stricter medical underwriting guidelines for those with amputations.
• Limited Add-Ons: Some policyholders report fewer add-on options than other insurers. For more details, check out our Mutual of Omaha Life Insurance Review.

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#6 – MassMutual: Best for Policy Customization

Pros

• Comprehensive Policies: MassMutual offers comprehensive life insurance and also options for amputated limb insurance and disability coverage starting at $24/month.
• Cash Value Growth: MassMutual’s whole-life policies accumulate cash value over time, offering long-term financial benefits.
• Financial Strength: MassMutual is known for its strong financial backing, which secures that your policy remains in place for the long term.

Cons

• Higher Premiums for Term Policies: MassMutual’s term policies can be more expensive for individuals with amputations. Discover more facts on “MassMutual Life Insurance Review.“
• Complex Application Process: The application process may be more complex due to specific underwriting criteria for amputees.

#7 – John Hancock: Best for Healthy Living

Pros

• Flexible Options: John Hancock offers customizable life insurance policies with flexibility for amputated limb insurance needs starting at $19/month.
• Health and Wellness Discounts: John Hancock offers discounts for healthy living, which may help amputees looking to lower their premiums.
• Good Customer Service: John Hancock offers strong customer service, which helps amputated limbs manage their insurance policies.

Cons

• Medical Underwriting Requirements: The company also has strict underwriting guidelines that may result in higher premiums for some amputees.
• Limited Availability of Riders: Some riders and benefits may not be available for certain policyholders. For more information, see our guide, “John Hancock Life Insurance Company Review.“

#8 – Transamerica: Best for Affordable Coverage

Pros

• Affordable Term Policies: Transamerica offers cheap coverage for amputated limbs with life insurance for as low as $17 per month.
• Flexible Coverage Options: Transamerica offers customized coverage with flexible options, which is appropriate for people searching for insurance for amputated limbs.
• Reputable Provider: Transamerica’s solid reputation for reliable customer service and competitive pricing makes it a strong choice. For more details, see our guide, “Transamerica Life Insurance Review.“

Cons

• Limited Whole Life Options: Transamerica’s whole amputee life insurance options may not be as huge as other providers.
• Higher Costs for Riders: Additional policy riders can increase premiums, which may affect affordability for some.

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#9 – Lincoln Financial: Best for Long-Term Care

Pros

• Affordable Rates: Lincoln Financial provides competitive rates and offers life insurance starting at $24/month for amputated limb coverage.
• Customizable Plans: The insurance company offers flexible life insurance plans that can be adjusted according to the individual’s needs.
• Strong Financial Strength: Lincoln Financial is stable so that its policy will not fade away in times of uncertainty.

Cons

• Limited Term Life Options: Lincoln Financial’s term life options may not be as comprehensive as those offered by other companies.
• Limited Customer Support: Compared to other insurers, some policyholders report less availability of customer support. Explore our “Lincoln National Life Insurance Review” guide for more information.

#10 – Guardian: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Guardian Life offers amputated limbs comprehensive life insurance that starts at $21 a month.
• Strong Financial Security: Guardian Life’s policies are backed by its solid financial standing, giving long-term stability. This may give individuals peace of mind as amputees.
• Flexible Riders: Guardian Life offers flexible coverage through customizable riders who fit the needs of amputees. For more information, check out our guide, “Guardian Life Insurance Review.“

Cons

• Higher Premiums for Younger Policyholders: Guardian Life’s premiums can be higher for younger individuals with amputated limbs.
• Limited Online Management: Guardian Life’s online tools for managing policies may be more limited compared to other providers.

Rates for Life Insurance for an Amputated Limb

Life insurance rates for people with an amputated limb can be higher because insurers often associate amputations with health risks. This is because amputations may indicate other health problems like diabetes, vascular disease, or trauma, which could lead to more medical issues later. Because of this, people with amputations might face higher premiums or need to undergo more medical tests before qualifying for coverage.

Amputatee Life Insurance Monthly Rates by Provider & Coverage Level

However, the exact rate depends on several factors, such as the cause of the amputation, the person’s overall health, age, and the type of policy they’re applying for. For instance, someone who lost a limb in an accident and has fully recovered might pay less than someone with an amputation due to a long-term illness.

Additionally, insurance companies may evaluate cases where individuals seek an insurance payout for the loss of a leg, especially if the amputation was related to a covered event in their policy. Insurance providers also consider how long ago the amputation happened and whether the person is managing any other health problems well.

It’s a good idea to shop around and compare life insurance policies because different insurers have different rules for people with amputations. Some may offer standard rates for healthy individuals, while others may offer higher rates. Working with an insurance broker who knows how to navigate life insurance for amputees can help you find the right plan. For more information, dig into our “Calculate Your Term Life Insurance Needs.”

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Save Money on Life Insurance for an Amputated Limb

If you have an amputated limb, you might wonder if it will affect your life insurance premiums. In most cases, having an amputated limb doesn’t automatically mean higher premiums. Insurers usually look at your overall health and lifestyle. However, they may consider other things, like the reason for the amputation, whether it impacts your ability to work or do daily tasks, and your overall health.

Life Insurance Discounts From the Top Providers for an Amputatee

To save money on life insurance, think about picking a policy with flexible terms that fit your needs. It’s a good idea to shop around and compare rates from different providers to make sure you’re getting the best deal. Some insurers may give discounts if you have a good health history, so staying healthy can help lower premiums.

Another way to lower your costs is by choosing a term life insurance policy instead of a permanent one. Term policies usually come with lower premiums, which can be a good option if you’re otherwise healthy. You can also work with an insurance agent who specializes in high-risk applicants to help you find the most affordable options.

Choose the Right Type of Life Insurance for an Amputated Limb

When choosing life insurance after having an amputated limb, it’s important to take time and choose the right policy that fits your situation. Life insurance policies can vary widely in how they handle disabilities, and understanding the details of each plan is key to finding the best option.

You’ll generally choose between two types of life insurance: term life and whole life. Term life offers coverage for a set number of years, like 10 or 20, and tends to be more affordable. Whole life provides lifelong coverage and also accumulates cash value over time. Both can be beneficial, but it’s important to consider your future needs and whether you prefer a lower cost or a policy that grows in value.

It’s also important to look for any rules or extra conditions because of amputations. Some insurance companies might charge higher rates or not cover pre-existing conditions, while others may have special plans for people with disabilities. Be sure to ask the right questions, read everything carefully, and choose a policy that gives you the protection your family needs.

Available for Life Insurance for an Amputated Limb Riders

When looking for life insurance for people with amputated limbs, certain riders can improve a policy’s coverage, though not all are available for amputees. Riders are extra benefits added to life insurance policies to meet the policyholder’s needs. Common riders for amputees include disability and critical illness riders.

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A disability rider helps if the policyholder becomes disabled, which could be useful for someone who has lost a limb. However, many insurers don’t offer this rider to amputees, especially if the amputation was caused by a disease due to higher risk. Most insurers focus on the person’s overall health instead of offering disability protection. Information shared on amputee Reddit communities suggests that this type of rider is often difficult to obtain for those with disease-related amputations.

The critical illness rider is more likely to be available for amputees who lost a limb in an accident rather than due to disease. This rider provides a lump sum payment for serious conditions like cancer, stroke, or heart attack. This rider can be helpful for accident-related amputations if other health problems occur. However, for amputations caused by disease, such as diabetes or peripheral artery disease, this rider is often unavailable because insurers worry about long-term health risks.

Learn More: Life Insurance Riders

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Buy Life Insurance for an Amputated Limb

You can still buy life insurance even if you have an amputated limb. Insurance companies don’t usually deny coverage just because of an amputation, as long as your health is stable and it’s not a high risk. They will look at your overall health and ask about the reason for the amputation. If it was due to something like diabetes or an injury, they may want more details about your recovery.

The price of life insurance could be higher if you’ve had an amputation, depending on how serious it is and your overall health. Age, general health, and lifestyle will also influence the cost. It’s a good idea to compare different life insurance plans to find one that works for both your needs and your budget, especially if you have a health issue linked to the amputation.

Be honest with your medical history to get the best deal with your insurance agent. Ensure they have the full picture of your amputation and how it might affect your health in the future. Some companies may ask for a medical exam or extra paperwork, but that’s to make sure you get the right coverage for you and your family. Find more details in “What are the benefits of buying life insurance?”

Apply for Life Insurance for an Amputated Limb

You can apply for life insurance if you’ve had an amputation, but it might cost more. Insurance companies look at your health and medical history when deciding how much to charge. Since an amputation might lead to other health problems, the rates could be higher than for someone without medical conditions. However, each insurance company looks at risks in its own way.

When you apply, you may need to explain why the amputation happened, when it occurred, and how you’re doing now. Be ready to answer questions about any treatments or physical therapy you’ve had. Some insurance companies might want you to have a medical exam to learn more about your health.

It’s a good idea to shop around. Some companies focus on people with pre-existing conditions, like amputations, and may offer better prices. To find the best deal, compare different options and talk to an insurance agent who understands your needs. Discover more in our guide “How does life insurance work?”

Case Studies: Life Insurance for Amputated Limb

Life insurance companies like AIG, Prudential, and State Farm have helped people with amputated limbs protect their financial futures. These real-life examples show how customized plans gave them peace of mind and stability.

• Case Study #1 – Affordable Coverage with AIG: Jane, a 30-year-old marketing manager, had a lower limb amputation. She opted for AIG’s loss of limb insurance at $17 a month, providing her peace of mind while pursuing her career.
• Case Study #2 – Prudential’s Family-Friendly Plan: Tom, a 45-year-old dad with three kids, had trouble finding coverage because of a limb amputation and a pre-existing condition. Prudential came through with a whole-life loss of limb insurance plan. It gave his family financial security with cash value benefits that could grow over time. Tom found it reliable, comprehensive, and priced fairly for his needs.
  
• Case Study #3 – State Farm’s Policy for Veterans: Sam, a 65-year-old retired veteran, needed reliable coverage after losing a limb. He chose State Farm’s term life insurance, which provided financial security for his spouse by covering final expenses and debts. State Farm’s clear terms and great customer service made the process simple for Sam.

These success stories show how top insurance companies meet the unique needs of people with amputated limbs by providing customized and affordable options. For more information, see our guide, “Types of Term Life Insurance.”

To protect your family’s future at a low cost, enter your ZIP code to buy affordable whole life insurance prices with our free quote comparison tool.

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