2024 Burial Insurance If You Need Help with Toileting [ACTIVITIES OF DAILY LIVING]
last updated on July 22, 2024Burial insurance if you need help with toileting or any activities of daily living is possible. However, your options are very limited.
!!! READ THIS FIRST !!!
If you need help with toileting or any ADLs, the only plan you will qualify for is a guaranteed issue burial insurance with a 2-year waiting.
You WILL NOT qualify for 1st-day coverage if you need help with ADLs.
Here’s a detailed guide on what you need to expect when applying for burial insurance if you need help with toileting and other ADLs. We will cover everything you need to know about ADLs and how you can find the best burial and final expense insurance policy.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Need Help with Toileting?
- Why Do You Need Guaranteed Issue Burial Insurance If You Need Help With Toileting?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Need Help with Toileting, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Need Help with Toileting
- How Much Insurance Do I Need If I Need Help with Toileting?
- How Should I Pay My Premiums?
- Needing Help with Toileting and Burial Insurance Riders
- Information We Need if You Need Help with Toileting
- Benefits of Burial & Funeral Insurance
- The Best Guaranteed Issue Life Insurance Policy
- Other Common Uses for Final Expense Life Insurance If You Need Help with Toileting
- How Can Funeral Funds Help Me?
What Is My Best Insurance Option If I Need Help With Toileting?
ADL’s are self-care activities such as toileting, eating, bathing, dressing, transferring, and continence that we must do to lead a normal and independent life. Inability to do these means you cannot take care of yourself and you may need long-term care.
ADLs are used by life insurance companies to measure an applicant’s function and independence. If you cannot perform toileting or any activities of daily living, your best insurance option is guaranteed issue burial insurance.
Guaranteed Issue (GI) policies do not require you to take a medical exam or pass any underwriting questions. The company will also not require you to submit your medical records, and your prescription history will not be checked either. Your health is not taken into account to qualify.
Best Option: Guaranteed issue burial insurance
REQUIREMENTS TO QUALIFY FOR GUARANTEED ISSUE BURIAL INSURANCE
AGE REQUIREMENT
Every final expense company has its own age availability, but most guaranteed acceptance burial insurance companies accept applicants who are 50 to 85 years old.
STATE AVAILABILITY
Not every insurance company has its products licensed and available in every state. Make sure the company has a guaranteed acceptance life insurance policy available in your state before applying.
ABILITY TO ENTER A LEGAL CONTRACT
You must possess a mental capacity to enter into a legal contract. For example, if you have severe cognitive impairment and you cannot legally consent to an agreement, the company may reject your application.
Why Do You Need Guaranteed Issue Burial Insurance If You Need Help With Toileting?
We recommend buying guaranteed issue burial insurance if you need help with toileting and other ADLs because it’s the only life insurance plan you will qualify for because of your condition.
If you are relatively healthy and only need help with toileting, you can have an average life expectancy and easily outlive the two-year waiting period.
Postponing your application for life insurance coverage is not wise because your health may decline at any moment. Better apply now and start working on the waiting period.
Buying a guaranteed issue burial insurance if you need help with toileting is a wise investment as you won’t lose money with this plan because your premiums will be returned plus interest if you die during the waiting period. Buying a guaranteed issue burial insurance policy will cost much less in the long run than having no insurance coverage at all.
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I Need Help With Toileting, Do I Need A Medical Exam To Qualify For Burial Insurance?
You are NOT required to take a medical exam to qualify for burial insurance if you need help with toileting.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.
You’ll get the official approval from the insurance company often within minutes!
Burial Insurance Underwriting If You Need Help With Toileting
Burial insurance companies have two ways of underwriting:
FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history to verify your health.
HEALTH QUESTIONS:
Every burial insurance company that has underwriting (health questions) will ask if you need help with toileting and other daily living activities in their application.
Common life insurance questions about toileting and other ADLs you will see include:
- Do you need assistance in performing activities of daily living such as eating, bathing, dressing, transferring, toileting or continence?
- Do you currently use a wheelchair due to a disability or chronic illness?
- Do you currently receive home health care services or, in the last two years, did you receive home health care for more than three separate periods of care?
- Are you currently confined to a nursing or assisted living facility?
If you answer “yes” to any of these questions, your application will automatically decline for first-day coverage life insurance. However, your only option is getting guaranteed issue burial insurance that does not have any health questions.
How Does Needing Help With Toileting Affect Life Insurance?
The insurance companies define toileting as the ability to go to the toilet and perform the associated personal hygiene task. Toileting is an important self-care activity that you must do on your own. But, as we age and our health deteriorates, we may need help with toileting and other basic activities of daily living.
Even if seniors are pretty independent, they may still need help when they go to the toilet. It’s easy for them to trip and fall when walking to the bathroom in a rush or when standing or sitting in the toilet due to blood pressure changes.
Being toilet dependent will significantly affect your ability to qualify for the best-priced insurance coverage. Anybody who is dependent on help with toileting and other ADLs often needs long-term care services.
Needing assistance to perform ADL raises a red flag to life insurance companies because the inability to go to the toilet independently is generally associated with several health problems, including:
- Alzheimer’s disease
- Amyotrophic lateral sclerosis (ALS)
- Arthritis
- Cerebral palsy
- Cystic Fibrosis
- Dementia
- Heart attack
- Multiple Sclerosis
- Muscular dystrophy
- Paralysis
- Parkinson’s disease
- Spina bifida
- Stroke
Any of these medical conditions when severe enough can cause you to prevent going to the toilet independently. These pre-existing conditions can also cause mobility issues that can lead to falls, accidents, and injuries that can cause premature death. Anything that can cause premature death is considered high risk by life insurance companies.
Applicants needing help with toileting and other activities of daily living are considered high-risk applicants. Therefore, they will need to pay more premiums and have a short waiting period. No life insurance company will offer you coverage during the first two years if you need help in performing ADL.
How Much Insurance Do I Need If I Need Help With Toileting?
The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.
The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.
Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.
| AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
|---|---|
| Non-declinable basic services | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| Non-declinable basic services fee | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Cremation fee (if firm uses a third-party crematory) | $368 |
| Cremation Casket | $1,310 |
| Urn | $295 |
| Median Cost of a Funeral with Viewing and Cremation | $6,970 |
| Rental Casket | $995 |
| Alternate Cremation Container | $150 |
How Should I Pay My Premiums?
The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.
Needing Help With Toileting And Burial Insurance Riders
Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.
Here’s a list of common burial insurance riders:
| FUNERAL FUNDS ADD-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You Need Help With Toileting
When applying for burial insurance if you need help with toileting, we will need more information about your current health and functionality. Your information will help us understand your inability to go to the toilet on your own and your other health conditions.
- Do you need help with toileting?
- Do you need help with other activities of daily living such as eating, bathing, dressing, transferring or continence?
- Have you ever used a wheelchair or are currently in a wheelchair?
- Are you currently bedridden?
- Are you in an assisted living or nursing facility?
- What medical conditions do you have?
- Are you taking medications?
- What medications do you take?
Based on your information, we will be able to determine what insurance company is best for your needs. We will also give you an accurate quote.
Benefits Of Guaranteed Issue Burial Insurance
- Easy to qualify. There are no medical exams and health questions. You are guaranteed to be approved regardless of your medical conditions.
- Level premium. Your monthly premium is fixed for life. It will never increase regardless of your advancing age or worsening health condition.
- The death benefit will never decrease. Your beneficiaries will receive the 100% face amount on your policy when you pass away after the waiting period.
- Tax-free. Your death benefit will be paid to your beneficiary free of tax. They will not owe any income tax on the death benefit.
- Your policy will never expire when you reach 80 years old. Guaranteed acceptance life insurance is whole life insurance that will last your lifetime. The policy will never end as long as you keep paying the premiums.
- Not cancellable. Your policy can never be canceled by the life insurance company as long as premium payments are made on time.
- Cash value accumulation. Guaranteed acceptance life insurance is whole life insurance that accumulates cash value over the years. You can withdraw or borrow against it.
The Best Guaranteed Issue Life Insurance Policy
The best-guaranteed-issue life insurance policy will not have you wait more than two years to take effect. Some plans have three or even four-year waiting periods. 3-4 year waiting period plans are terrible, and you should avoid these plans.
Two years is the shortest period possible before you are fully covered. You don’t have to wait for more than that.
If you need help with toileting, then GI policy is your best choice. Your application will be quick and easy because there are no medical exams or health questions. You may even be approved for coverage in 15 minutes!
Other Common Uses For Final Expense Life Insurance If You Need Help With Toileting
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan if you need help with toileting
- Cremation insurance plan if you need help with toileting Funeral home insurance plan if you need help with toileting
- Final Expense insurance plan if you need help with toileting
- Prepaid funeral plan insurance if you need help with toileting
- Mortgage payment protection plan if you need help with toileting
- Mortgage payoff life insurance plan if you need help with toileting
- Deceased spouse’s income replacement plan if you need help with toileting
- Legacy insurance gift plan to family or loved ones if you need help with toileting
- Medical or doctor bill life insurance plan if you need help with toileting
We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.
How Can Funeral Funds Help Me?
Trying to find a policy if you need help with toileting needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the work for you.
We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search for all those companies and match you up with the best burial insurance company that gives the best rate.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for help with toileting funeral insurance, or need help with toileting burial insurance, or need help with toileting life insurance, we can help.
Fill out our quote form on this page or call us at (888) 862-9456 and we can give you an accurate quote.
