Replacing Employer-Sponsored Life Insurance: For People with Migraine Headaches

By James Tobin, CFP®

Critical Takeaways

  • Rate Impact Minor to Significant
  •  Pricing  Based on age of Diagnosis, Severity and Frequency of History 
  • Table Ratings Possible

Workers Bequest Difficulty Rating

Expert Review Of  Available  Options For  Life Insurance With Migraine Headaches

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Reviewed by

Jim Tobin, CFP®

Why you can trust this review

At Workers Bequest Life Insurance we value our editorial independence. We keep our reviews strictly factual so you can use them to make informed decisions. Life insurance carriers referred to on this site do not approve reviews. 

Can I be approved for life insurance with Migraines  headaches?

Having a history of migraine headaches doesn’t mean that you cannot get life insurance. However, it does affect the insurance policy that companies will sell you and the premiums they charge to a great extent. It all depends on how debilitating they are, how early your condition was diagnosed, their nature, and your health in general.

With underwriting standards differing for different policies, we’ve done our best to provide you with comprehensive information regarding life insurance products. This review has been split into 3 sections – click on the links here to jump right ahead!

Best Price

Strict Underwriting

More Expensive

Easy Underwriting

Most Expensive

No Underwriting

What information will  life insurance companies want to know about my migraine Headaches?

Your insurance underwriters will need the following information – your symptoms, your treatments, your prescription medication, and details of your follow up sessions with the doctor.

They also analyze your health markers, including your cholesterol, blood pressure, and weight. Any procedures and treatments you’ve undergone will have to be disclosed, including a detailed history of procedures, work disability claims, hospitalizations, and medications. Other facts like your driving history record, involvement in dangerous hobbies or work, drug abuse, or alcohol issues may be required as well.

To know more about insurance underwriting in exhaustive detail, go through  What Insurers Will Want to Know.

How much will my life insurance cost and how exactly are my rates affected by my migraine diagnosis

Insurance premiums are decided based on which underwriting class you’re assigned to by your insurance carrier. Applicants with migraine headaches may either be rated preferred plus or table rated – it depends on the medication taken, the severity of your condition, the carrier you’re going for, and the standards and risk appetite they have for your condition.

We’ve discussed this aspect in greater detail in our pricing samples and rating guides. You can also check out information about guaranteed issue and simplified issue policies in the links given here. 

How accurate are the Migraine Life Insurance quotes I get from your site? 

We should warn that our website quote tool’s accuracy is only as good as the data you enter. That is, if you provide the right information and get your rate class right, the rate displayed here will be accurate. However, many people are often not fully aware of the severity of their condition and wind up with the wrong quote.

If you’re not sure about the rate class, select a range for a reasonable quote. If you still need more information, complete our customized quote form form to let us help you today!

Will I need to take an exam for life insurance with migraine Headaches?

Individuals that need the best insurance deals must undergo a paramedical examination. While mild cases may be approved with no examination, applicants with severe cases have no other choice. But don’t worry – it’s a simple paramedical exam where your urine and blood samples will be collected by a nurse and will cost you nothing at all!

But if your needs are best served by a guaranteed issue or simplified issue policy, no medical exam is required for approval.

Learn more about How Term Life Insurance Works here.

Engage the services of an independent agent who knows which company to approach for the best possible premium rates with migraine headaches. Check out the section below "Why to use Independent Agent when Shopping for Life Insurance with migraine headaches" if you wish to learn more.

How can I improve my underwriting rating and lower my Migraine headache life insurance cost?

Here are 4 things you can do to improve your underwriting rating – a better diet, better exercise regimen, quit smoking, and lower your alcohol consumption. These steps can drastically improve your chances of scoring a better deal.

People with autoimmune medical conditions like a migraine headache should have records proving their compliance with their doctor’s advice (a physician’s letter acknowledging the same can also be of great help). By doing these things, you’ll be able to improve your general health and life insurance rating as well.

What are the best life insurance companies for migraine sufferers? 

That’s a complicated question. You see, different life insurance carriers have different risk appetites for the same condition, which you can observe in their underwriting and pricing for their customers. For applicants with migraine headaches, their best bet is a policy from Banner, AIG, or Prudential.

But how to know which companies provide favorable terms to people suffering from a specific condition. Only an experienced insurance agent can help you out here. Our case study illustrates this point very well.

What is the application process for life insurance with migraines Headaches?

No matter what your preexisting health condition is, the overall insurance procedure remains the same – it’s an 8-step procedure, which involves selecting your policy terms, your insurance carrier, completing a paramedical exam, and submitting them to the company. More details can be found here

Traditional Term Life Insurance with Migraine Headaches

Although standard premium rates can be obtained with some effort, a sizable number of applicants are only given ‘table rated’ or ‘substandard’ offers due to the severity of their condition, which is more expensive than their standard counterparts.

That’s why it’s so crucial to select an experienced agent who knows how to handle applications by people suffering from migraines. An independent agent knows exactly which companies to apply to for the best possible terms.

Applications for insurance with migraine headaches, AFib, sleep apnea, history of heart attack, and other conditions more or less follow the same procedure.

Terms Lengths

Term insurance is usually sold for periods ranging between five to thirty years; the most popular policies last for twenty years on average. A term life insurance policy also has a minimum face value of $50,000 with policies terminating when the term period is over. You can also renew it annually, although the rates will be higher when you do so.

Likely Underwriting Classification With Migraine Headaches

Every life insurance application is processed after a detailed review of the applicant and their condition. Therefore, it’s important to make the right impression on the underwriters that you’ve been working to control your condition, which can make all the difference between being stuck with affordable premiums and expensive ones. It also depends on how long it’s been since you were diagnosed and the steps you’ve taken for controlling your condition.

We’ve presented three scenarios here, all based on our own experience in the industry. Please note that applicants with migraines usually cannot qualify for the preferred or preferred plus categories.

Best Case – Applicants who have not had a migraine in the last 3 years or a history of hospitalizations or disability may be able to bag a preferred plus or preferred rating. Our quote tool will generate a standard insurance quote for you if you fall into this category.

Mid Case – In case you have a history of severe migraines despite using medication or complying with the doctor’s instructions, you may only be eligible for standard or mild substandard premiums rates, which can be calculated by multiplying standard rates with 1.5 (Refer to Table 2/B). Information about table ratings can be found here.

Severe Case – In case your migraines are extremely severe and you have a history of hospitalizations or disability due to your migraine headaches, need powerful drugs, and suffer from additional health conditions, your insurance application for traditional term insurance may be rejected.

Case Study: Life Insurance With Migraine Headaches

Please see the case study below . it will show why it is in your interest to have as many options as possible available when shopping for life insurance with migraine headaches or any other impairment.

Gender: Male Age: 53

$250000 20 Year Term

Tobacco: No

Controlled but often severe migraines Diagnosed Age 46

OTC NSAID use No Other Health Concerns

This looks like a best case scenario would be either standard or Table 2/B depending on the insurers appetite for a migraine  risk. Let's take a look at the rates.

  • standard rates
  • Table 2/B Rates


Monthly Expense

$ 95.91

$ 100.08

$ 97.23

$ 106.26

$ 118.34

Based on the information here, Banner Life is indeed the cheapest option of you, regardless of which underwriting category you were assigned into. However, what if your agent did not represent Banner? The best choice, in that case, would be Prudential.


A competitive insurance carrier will most likely give you a health rating from Table B whereas Pru would assign you the standard rating. Prudential’s $118/month premium beats every other table 2 rate, save for Banner, which means you get to save over $4300 over the policy’s lifespan.

Since most people are unaware of how major carriers determine premiums and other underwriting habits, your best bet for obtaining affordable premiums would be by engaging an experienced agent.

Why You Should Use an Independent Agent when Shopping for Life Insurance with Migraines

Not only are life insurance policies available to people suffering from migraines, but you can also shop around to receive more favorable terms since some companies are more receptive to certain conditions than others. For instance, Prudential Financial might be more prepared to accept applications from migraine patients compared to Banner, which can be seen in its underwriting standards.

Having an independent agent sort out your insurance needs can be a lifesaver – they can help you save a fortune in the long run by submitting your application to companies that provide better terms to people suffering from your condition. A good independent agent typically represents 50+ insurance companies, thus ensuring that you’re never out of options or forced into a corner.

Your Next Step

Thank you for choosing the Workers Bequest Life Insurance to research life insurance with migraines. We are committed to a totally transparent process (we'll even share our computer screen with you if you'd like), and making the application process as painless as possible.

Should you have any question, please do not hesitate to give us a call or contact us via email.

Keywords & related questions

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  • Can I get life insurance with migraines?
  • How expensive is life insurance with migraines?
  • What is the process for applying for life insurance with migraines?
  • What are the life insurance best companies for migraine sufferers?
  • What are common table ratings for migraine applicants?
  • Can I get life insurance with migraines over age 60?

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