2023 Burial Insurance if you Need Help with ADL’s (Activities of Daily Living)

If you’ve spent time researching if you can get burial insurance if you need help with ADL (Activities of Daily Living), most burial insurance companies will flat out decline anyone who needs help with their daily activities for a first-day coverage plan.


If you need help with ADL’s, the only plan you will qualify for is a 2-year waiting period policy.

You WILL NOT qualify for 1st-day coverage if you need help with ADLs.

If you or a loved one currently needs help with activities of daily living and needs to get life insurance coverage, keep on reading. This article will help you do a bit of research before buying your policy.


What Is My Best Insurance Option If I Need Help With ADL?

The number of ADLs an applicant needs help with determines whether an insurance provider will approve your application. You need to perform activities of daily living (eating, bathing, dressing, toileting, transferring, toileting, continence, and transferring on your own. Needing help with a single ADL is an automatic decline for most traditional life insurance, and the only plan you will qualify for is guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance


Guaranteed-issue policies do not require you to take a medical exam or pass any underwriting questions. The insurance company will accept your application without asking for any details about your health.

They do not ask any health questions, and they do not check your medical or prescription history. Even if you have a terminal illness, it will not matter, and you will be approved.

While it will cost a bit more than insurance with health questions and underwriting, you will not have to worry about the possibility of being denied coverage because of not being able to perform the activities of daily living.

Guaranteed issue life insurance has a death benefit limitation for a natural cause of death during the first two years of the policy. After the two years waiting period, you are fully protected for life. At this point, the insurance company will pay 100% of the death benefit if you pass away for any reason.



Every final expense company has its own age availability, but most guaranteed issue life insurance companies accept applicants who are 50 to 85 years old.


Not every insurance company has its products licensed in every state. Make sure the company has guaranteed acceptance life insurance policy available in your state.


You must have the mental capacity to enter into a legal contract. For example, the company may reject your application if you have advanced Alzheimer’s disease or dementia and cannot legally consent to an agreement.

What Types Of Burial Insurance Should I Avoid?

Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate

What Type Of Burial Insurance Is Best?

1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES

If I Need Help With Adl, 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 ADL.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple; 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 ADL

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.

Every burial insurance company with medical underwriting (they ask health questions) will ask about ADL’s in their life insurance application.


Common life insurance questions about ADL:

  • Is the Proposed Insured currently receiving home health care or requires help with activities of daily living (ADL) such as eating, dressing, toileting, or transferring?
  • Are you bedridden? Do you help with bathing, transferring, eating, toileting, or dressing?
  • Are you scheduled for admission or currently living in a nursing home or assisted living facility?
  • Do you need home health care, or, during the previous 24 months, have you received home health care for three or more separate periods of time?
  • Are you wheelchair-bound due to a chronic illness, or do you need help with activities of daily living such as bathing, dressing, eating, or toileting?

If you answer “yes” to any of these questions, your application will be automatically declined for traditional life insurance. However, you got other options for coverage, and that is by getting a guaranteed acceptance burial insurance that does not have any health questions.


Needing assistance from somebody else to perform activities of daily living will significantly affect your ability to qualify for the best-priced burial insurance policy.

Problems in doing activities of daily living arise for many reasons and are closely linked to other health problems such as:

  • Alzheimer’s disease
  • Amyotrophic lateral sclerosis (ALS)
  • Arthritis
  • Cerebral palsy
  • Cystic Fibrosis
  • Dementia
  • Heart attack
  • Injury
  • Kidney failure
  • Multiple Sclerosis
  • Muscular dystrophy
  • Paralysis
  • Parkinson’s disease
  • Spina bifida
  • Stroke

Almost any of these medical conditions, when serious enough, will stop you from performing one or more of the ADL’s. In some cases, the inability to do activities of everyday life may be due more to forgetting to perform a task or how to complete it correctly rather than doing the task physically.

Problems with activities of daily living and instrumental activities of daily living reflect problems with physical and mental health. Functional difficulties mean health problems that may cause premature death.

Any conditions that may cause premature death are considered high risk by life insurance companies.

How Much Insurance Do I Need If Need Help With ADL?

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.

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
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Median Cost of a Funeral With Viewing and Burial$9,420
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
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 Adl 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:

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

Information We Need If You Need Help With ADL

When applying for burial or final expense insurance, it is important to share if you need help with activities of daily living. This information will help us determine what plan is best for you and provide you with an accurate quote.

  1. Do you need help with eating, bathing, dressing, toileting, transferring or continence?
  2. Are you currently confined, or ever been confined to a wheelchair?
  3. Are you currently confined to a bed?
  4. Do you require home health care?
  5. Are you in an assisted living facility?

If you want affordable burial insurance, if you need help with ADL (activities of daily living) answer each question honestly and give any other details you think are important.

Benefits Of Burial & Funeral Insurance

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company if you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.

Other Common Uses For Final Expense Life Insurance If You Need Help With ADL

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan if you need help with ADL
  • Cremation insurance plan if you need help with ADL
  • Funeral home insurance plan if you need help with ADL
  • Final Expense insurance plan if you need help with ADL
  • Prepaid funeral plan insurance if you need help with ADL
  • Mortgage payment protection plan if you need help with ADL
  • Mortgage payoff life insurance plan if you need help with ADL
  • Deceased spouse’s income replacement plan if you need help with ADL
  • Legacy insurance gift plan to family or loved ones if you need help with ADL
  • Medical or doctor bill life insurance plan if you need help with ADL

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.

Why Do You Need Guaranteed Issue Burial Insurance If You Need Help With ADLs?

We recommend buying guaranteed issue burial insurance if you need help with activities of daily living because it’s the only life insurance you will qualify for. If you are relatively healthy and need help with ADLs, you can have an average life expectancy and easily outlive the two-year waiting period.

Postponing your application for coverage is not wise; your health may worsen at any moment, and you could develop other health conditions.

A guaranteed acceptance policy may be a little more expensive than plans with underwriting, but your approval is guaranteed. Buying a guaranteed issue burial insurance if you need help with ADL is worth it; you won’t lose money with this plan, and it costs much less than having no insurance coverage.

How Can Funeral Funds Help Me?

Finding a policy if you need help with ADLs isn’t 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 to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search 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 ADL funeral insurance, ADL burial insurance, or ADL 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Help With ADL's Infographics


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