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The short answer is no, if you’re looking to apply for life insurance, the COVID-19 vaccine will not impact you or your rates in any way.

In a recently released statement, the American Council of Life Insurers confirmed that the COVID-19 vaccine will not impact your insurability.

Also, for those who already have life insurance and die as a result of complications or any other reason from the COVID-19 vaccine, the life insurance company will still pay out the death benefit.

Being vaccinated doesn’t hurt or help your insurability.

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What if I have not received the COVID-19 vaccine yet?

There’s no advantage in waiting to apply for life insurance until after you get vaccinated. Being vaccinated doesn’t hurt or help your insurability.

So, now is the best time to apply for life insurance, especially if your loved ones rely on your income.

What if I have already received the COVID-19 vaccine?

You’re still eligible to apply and your life insurance rates will not be impacted by your vaccination.

Even if you had side effects from the vaccine, such as severe flu-like symptoms, it won’t impact how the life insurance companies evaluates your health or the price you pay.

If you had severe side effects that resulted in hospitalization, there may be a slight chance your rates are impacted.

But don’t worry. All life insurance companies evaluate health and cost differently.

At Quotacy, we work with over 25 top-rated life insurance companies, so we’ll help you find a company that treats your situation more favorably, resulting in the best price possible.

Ready to see what you’d pay for life insurance? Start with a free quote today.

About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Greg Lewerer

Director of Creative Strategy

Greg is Quotacy’s Director of Creative Strategy. He has an eclectic past from working on movie scripts to creating ad campaigns for major brands. His love of creative solutions drove him to strategy, and he now uses his powers to help families protect their loved ones. Outside of work, Greg spends his time off the grid hunting, fishing, camping, biking, hiking, and walking his dogs.