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BLOG 11/02/2020

Does life insurance cover COVID-19?

Life insurance is designed to protect your family financially when the worst happens. This year, the need for that protection has never been more clear. 

Coronavirus cases are still on the rise in the U.S., with over 7.6 million active cases nationwide as of October 2020. More than 214,000 Americans have died as a result of the coronavirus pandemic, and experts expect numbers to continue rising until a viable vaccine is available. In fact, the U.S. is now projected to see nearly 400,000 deaths by February 2021. 

Amid the pandemic and related financial fallout, life insurance is unsurprisingly on the minds of many Americans. Even before the COVID-19 crisis began this spring, 36% of Americans said they intended to purchase coverage in the next 12 months – an all-time high. Those figures have edged even higher this year, with application activity for life insurance rising 1.5% year-over-year in the first six months of 2020. 

But the question remains: Will you or a loved one be covered by your policy if you die from coronavirus? 

Life insurance was built with these kinds of scenarios in mind, so in all but the rarest cases, the answer is yes. Here’s what to know. 

What causes of death are covered by life insurance?

First, a quick primer: Life insurance is an agreement between you and your life insurance company for a certain coverage amount. You agree to make regular payments for the policy, and if you die while the policy is active, your insurer makes a cash payout (called a death benefit) to a beneficiary you choose. That payout comes tax-free with no strings attached, so your loved ones can use it for whatever they need.    

Generally, life insurance providers will pay out for any covered cause of death, including injury or illnesses like coronavirus. As long as your policy is active and in good standing, your loved ones should receive a payout if you die of coronavirus-related complications. 

It’s also worth noting that changes in your health won’t affect your coverage or your rates once you’re covered. If you become sick with coronavirus after buying life insurance, your insurance company can’t increase your premiums or cancel your policy. 

How to file a claim

If you lose a loved one to coronavirus, life insurance can help provide a financial safety net when it’s needed most. Claims are often paid out within days, helping families to cover funeral expenses, outstanding bills, debts, and other financial needs.

To file a claim, you’ll need to:

  • Obtain certified copies of the death certificate
  • Contact your loved one’s insurance company for the required paperwork
  • Submit paperwork to the insurer with a copy of the death certificate

Don’t wait to get covered

It shouldn’t take getting coronavirus for you to think about buying life insurance. To help you get the best rates and policy options, it’s important to get covered ahead of time, so you can be prepared – just in case. 

Our team at eFinancial can help you shop for plans, explain what life insurance covers, and choose the right fit for your situation during this complicated time. 

Still have questions? Let us help. Get in touch today to speak with one of our agents.


At eFinancial, our goal is to make life insurance simple, affordable, and understandable for everyday families. This content is intended for educational purposes only. Each post is carefully fact-checked, reviewed and updated regularly to ensure the information is as relevant as possible.