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What happens to my life insurance if I am in a coma?



Coma is a condition of prolonged unconsciousness due to ineffective brain function. This unresponsive condition can be caused by a traumatic blow to the head, lack of oxygen from suffocation or drowning, severe infection, exposure to toxins or extremely high blood sugar.

In most circumstances, life insurance does not pay out as long as the policyholder remains alive. If you are in a coma or otherwise completely disabled, your life insurance coverage should be in effect (provided your premiums are paid) until your death, or until the insurance period expires with life insurance.

Optional Life Insurance Driver In the Event of Disability

For most life insurance policies, optional riders can be added at the time of purchase, including the following options:

  • Accelerated Death Driver: If you are diagnosed with an inactivating, or chronic illness, this will riders to let you use all or part of your death benefit before your death. If you are in a coma or otherwise disabled, the life insurance company will pay out benefits to compensate for lost income.
  • Waiver from Premium Rider: If you purchase a waiver from Premium Rider with your life insurance, your insurance may remain in effect if you are unable to pay your premiums after an inactivating illness or injury. This skier can help you keep your life insurance valid until you recover and can return to work. and can not take care of yourself.
  • Rider with critical illness: This rider covers treatment for certain diseases that are likely to limit life expectancy. Examples of such diseases include cancer, stroke, kidney failure, heart attack, ALS, AIDS and coma.

Extended Death Benefit

This benefit is available under certain life insurance policies. If you become disabled before the age of 60 and die before the insurance company decides that you are entitled to a waiver of premiums, the company will pay your death benefits, provided that you were disabled until your death.

If the insurance company determines you are a suitable candidate for rehabilitation, it may require you to undergo an evaluation and participate in a rehabilitation plan in order not to exceed a specified period. This plan may consist of physical, vocational or educational rehabilitation. This may involve modified or part-time work. Refusal to participate in the plan without a valid medical reason may terminate your insurance coverage.

Consult an experienced agent

If you are worried about what happens to your life insurance if you are in a coma or otherwise disabled, our friendly agent is happy to help. Riders are available to ensure that your life insurance policy remains in force should the unexpected happen. We can review your life insurance and help you purchase the coverage you need to keep your death insurance in place in the event of an inactivating illness or injury.


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