Effect of Osteoporosis on Life Insurance

Ty Stewart - Founder - SimpleLifeInsure.com Written by Ty Stewart - Last Updated January 16, 2019

Quick Summary: If your Osteoporosis is not severe, and developed naturally later in life, you can qualify for Standard insurance rates. You will need to be otherwise healthy and not use tobacco products. Complications such as recent fractures or severe impact on movement may still be approved but expect to pay higher rates. Every insurance company judges Osteoporosis differently.

You may have heard that osteoporosis will make it harder to find life insurance.

That's not exactly true...

Depending on the severity, it will likely increase your rates but there are many options out there if you know where to look.​

After this article, you’ll know exactly what to do. Here is what we’ll cover:

  • What exactly is Osteoporosis?
  • How will Osteoporosis affect life insurance premiums
  • Possible outcomes
  • The application process
  • Questions underwriters will need to know 
  • What companies are most favorable towards Osteoporosis

Need answers and help right away? Life insurance is our specialty and we know exactly what carriers will offer our Osteoporosis clients the lowest premiums, every single time.

Fill out a quote form and we'll be in touch quickly to help you. Insurance rates are fixed by law so there is no cost savings by going directly to the big insurance companies. Let us be your advocate.

About Osteoporosis

​The word “Osteoporosis” means “porous bone.” This condition manifests when your body loses bone or doesn’t make sufficient bone, or both. The condition results in bones being considerably weaker than normal bones and typically results in breakage from things like falling down, or in serious cases, bones may break from things as simple as sneezing or a simple bump.

Unlike Rheumatoid Arthritis where the joints are affected, Osteoporosis affect only bone density.

medical illusteffects of the osteoporosis

Although osteoporosis does not discriminate between men and women, studies indicate women are far more likely to suffer from this condition. In fact, one out of five women over 50 develop the disease. Since women are more likely to lose bone quicker than men, more than half will suffer a wrist or hip fracture as they age. This is typically attributed to menopause and the fact that women are found to have less bone tissue than men.

Studies also reveal that small-boned women are more susceptible than men. Men and women who are being treated for osteoporosis can expect life insurance rates to be higher than those without the disease. Osteoporosis manifests itself with a gradual reduction in bone mass and bone density and is divided into four categories:

Types of Osteoporosis

  1. Primary – This is the most typical type of the disease and is usually found in postmenopausal women more than it is found in men.
  2. Secondary – Secondary osteoporosis has the same symptoms that are presented with primary osteoporosis. It occurs in people that have medical conditions such as leukemia, hyperparathyroidism, and hyperthyroidism. It can also occur in patients who take medications that cause bone breakdown. Medications like inhaled corticosteroids, high dose thyroid replacements, and aromatase inhibitors can also cause secondary osteoporosis.
  3. Osteogenesis Imperfecta – This is a rare form of osteoporosis that presents in newborns. The disease causes bones to break very easily for no apparent reason.
  4. Idiopathic Juvenile Osteoporosis – This is also a rare disease that manifests in children between the ages of 8 and 14-years-old or any age when there is rapid growth. This form of rare osteoporosis significantly increases the risk of bone fractures.

Am I Eligible to Buy Life Insurance

Absolutely, you ARE eligible.

Since osteoporosis is not considered life-threatening, underwriters are willing to offer policies after they have confirmed the extent of the disease and whether you are adhering to instructions provided by your doctor. Certainly, the disease can increase the chance of death that may result from a severe fracture, but the disease itself is typically not recorded as a cause of death.

What is the Application Process?

If you are dealing with an independent agent (hopefully you are), your agent will suggest the insurer that is most likely to issue a policy with the most affordable rate after learning a bit more about your situation and any other health concerns you may have.

Once you’ve made a decision to go forward, your agent will interview you to complete the application, and then schedule your medical exam at your earliest convenience. You can have the medical technician come to your home or workplace to complete the exam which lasts only about 20 minutes.

Your agent will gather the contact information for all health practitioners and facilities that have been involved with treating your osteoporosis and any other medical conditions listed on your application. Your agent will also facilitate the completion of these reports and notify you if any doctors or hospitals are dragging their feet in returning the requested information.

Overwhelmed? Don't be. When you work with a trusted adviser, they'll take care of everything and simplify it for you. In the end, much less stress and work for you and usually lower payments too!

Once the doctors’ reports and medical exam and blood /urine tests are returned, your underwriter will review the information and make an offer for coverage based on the rate class that's been assigned and then deliver the offer to your independent agent. Your agent will then call you to complete the offer and have any outstanding documents signed.

If the agent feels they can get a better deal for you by using an alternative carrier, they will discuss that with you and offer some advice. If you decide to go forward with the offer on the table, your agent will arrange to have the policy issued.

Important Questions You'll Be Asked

  • When were you diagnosed with osteoporosis?
  • How severe are your symptoms?
  • What type of treatment has been prescribed?
  • How well are you managing it?
  • What is the particular type of osteoporosis you are suffering from?

How Much Will it Cost?

​Life insurance premiums are set based on your health class that you are placed in after the underwriting process. Our experience has shown the following health ratings can be expected and achieved:


  • Controlled with no major complications
  • Diagnosed at an older age as part of natural aging process
  • No major fractures or accidents as a result of bone degradation
  • Small impact on daily activities 
  • No tobacco usage

​Mild Substandard (Table A-D)

Table ratings are levels below the Standard health class and add approximately 25% higher cost for each level down.

  • Recent history of fracture resulting from a fall in the past 12 months.
  • Tobacco use
  • Other medical conditions that have been known to make osteoporosis worse such as scoliosis or arthritis.
  • Moderate and/or constant pain

Low Substandard (Table E and lower) or Declined

  • Severe pain with high impact on daily life and movement
  • Regular drug therapy
  • Diagnosed at a young age

What Life Insurance Company Should I Apply at with Osteoporosis?

Since all life insurers are not the same and all life insurance products are not the same, you do have options. In fact, if you are using an independent insurance broker like Simple Life Insure, you can count on your insurance professional to provide many options to best meet your individual needs.

For example, many people do not prefer to undergo a medical exam or drug test to purchase affordable life insurance. In this case, your agent will recommend an insurer that offers a no exam insurance policy.

Although this type of policy is typically priced higher than a fully underwritten policy, many applicants elect the option because it is quickly issued without medical exams, drug or urine tests, and some cases, there are no medical questions on the application.

It’s important, however, to understand that in many cases, having osteoporosis may have only a minimal impact on your insurance rates. If you are otherwise healthy, do not smoke, and your medical exam doesn't reveal other issues that you weren't aware of, your final rate may be based on a standard rate class, and your insurance policy will be very affordable.

The right insurance company for you may be very different than the best one for your neighbor or friend. If you'd like no cost, expert help with your application, please fill out a quote form and we'll contact you very soon to help out.

About Ty Stewart
Avatar for Ty Stewart
Ty Stewart is the founder of SimpleLifeInsure.com. He is an independent life insurance agent that works for his clients nationwide to secure affordable coverage while making the process simple. There is never any cost to use his services.

Posted in Bone Disease, Pre-Existing Conditions