Burial Insurance after an Amputation

If you’re looking for affordable burial insurance after an amputation, we can help. Having a limb amputated is one of the many things insurance companies consider, but you can qualify for coverage depending on your overall health.

When it comes to burial insurance after you had an amputation, you may have multiple different options.

In this article, we will detail exactly what factors affect your insurability, and what options you will have if you have an amputation. We will also help you find the most affordable burial insurance with an amputation.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF AMPUTATION?

The location of amputation, the reason for your amputation, the time that passed since the amputation, and how it affects your quality of life will play a big role in your life insurance eligibility.

AMPUTATION CAUSED BY AN ACCIDENT

If you had an amputation due to an accident, (car accidents, motorcycle accidents, recreational vehicular accidents, and work-related accidents) most of the time, you will qualify for first-day coverage if:

  • You’re not using a wheelchair
  • You can do activities of daily living independently

Best Option: Level death benefit plan with first-day coverage


AMPUTATION CAUSED BY DISEASE

Amputations due to disease are treated differently by insurance companies than those caused by accident or other reasons. A chronic illness like diabetes or peripheral vascular disease might cause your application for traditional life insurance to be rejected for a first-day coverage plan.

If your amputation was over two years, you can qualify for a level death benefit plan with first-day coverage. You will be covered from the first day and your beneficiary will receive the full death benefit when you pass away.

Best Option: Level death benefit plan with first-day benefits


OTHER FACTORS THAT MAY AFFECT YOUR INSURABILITY IF YOU HAVE AMPUTATION

ACTIVITIES OF DAILY LIVING

If you can independently perform the activities of daily living, then your amputation history would have little effect on your ability to qualify for burial insurance.

There are six activities of daily living used by insurance companies to determine what plan you will qualify for. You must be able to do these ADLs on your own to be eligible for the best plan and better rates.

  1. Eating
  2. Bathing
  3. Dressing
  4. Toileting
  5. Continence
  6. Transferring

If you need help with any of these because of your amputation, it is going to be challenging to secure a first-day coverage plan with the lowest rate. All final expense insurance companies will not approve you for a first-day coverage plan if you need help with activities of daily living.

If you need help in activities of daily living, your best option for coverage is to get a guaranteed issue burial insurance.

Guaranteed issue life insurance doesn’t require an applicant to take a medical exam or answer any health question. This means that no matter how severe your amputation and other health condition is you will qualify for coverage.

You only need to pay a little bit more and have a waiting period, but you will be fully covered after two years. If you happen to die during the waiting period, the insurance company will refund the premiums to your beneficiary plus 10% interest.

Best Option: Guaranteed issue burial insurance


HOME HEALTH CARE

It’s common for people with amputation to need home health care temporarily or permanently.  Just like ADL’s, most final expense insurance companies will specifically ask about home health care. If you are currently receiving home health care because of amputation, most companies will deny your application for a first-day coverage plan.

If you require home health care because of your amputation. You will qualify for a guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance


WHEELCHAIR USAGE

When amputees lose either or both of their legs, it is common to use a wheelchair. Wheelchair usage may impact your ability to qualify for final expense insurance coverage.

If you use a wheelchair due to diabetes or peripheral artery disease, you are totally ineligible for insurance coverage with first-day coverage. No funeral insurance company will issue you a policy that does not have a waiting period.

Whether or not you need help with activities of daily living is irrelevant if you use a wheelchair because of chronic illness. Your only path to coverage then is through a guaranteed acceptance life insurance.

Best Option: Guaranteed issue burial insurance


LENGTH OF TIME SINCE AMPUTATION

If diabetic neuropathy or peripheral artery disease caused your amputation to expect insurance companies will scrutinize your application.

Ultimately, the length of time since your amputation will affect your life insurance eligibility. Let’s take a look at how it can affect your premium and the type of plan you will qualify for.


TWO YEARS OR LONGER SINCE THE AMPUTATION

There is an immediate coverage option available to you if your amputation is caused by chronic disease. A select few burial insurance carriers offer this option to those whose disease-caused amputation happened more than two years ago.

Most final expense insurance companies will approve you for their first-day coverage plan.

Best Option: Level death benefit plan with first-day coverage


AMPUTATION WITHIN THE LAST 2 YEARS

If you have recent amputation (less than 24 month), you may qualify for a first-day benefit plan.

You will be covered from the first day and your death benefit will be phased in over time.

Best Option: First-day benefit plan


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
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 $30,000 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?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
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 HAVE AN AMPUTATION, 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 after an amputation.

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 HAVE AN AMPUTATION

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 insurance company wants to know whether you had some form of surgery performed on you. An amputation is a form of surgery that every insurer wants to know.

You will see amputation asked in the health questionnaire this way:

  • Have you had any type of surgery or operation within the last 24 months?
  • Have you ever been treated for or diagnosed as having amputation caused by disease?
  • Have you ever received, or been advised to have an amputation due to complications of diabetes?

The insurance companies will also want to know about your other health issues and prescription medications. They want to get a better picture of your health to determine your life insurance eligibility.

Some companies are accepting of your amputation but might not accept other health issues you deal with.

One of the factors considered by life insurance companies is the reason for your amputation. Is the amputation caused by a disease or an accident?

They will also want to know what part of the body has been amputated, how it affects mobility and activities of daily living. These are some of the questions you will find asked on the application.


HOW MUCH INSURANCE DO I NEED IF I HAVE AN AMPUTATION?

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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


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


INFORMATION WE NEED IF YOU HAVE AN AMPUTATION

When applying for burial insurance with an amputation, we will need information about your current health. This information will help us understand your amputation and your current health.

Here are some of the questions we would ask you if you have amputation:

  1. What part of your body was amputated?
  2. What caused your amputation?
  3. Are you able to perform the activities of daily living (eating, bathing, dressing, toileting) on your own?
  4. Are you confined to a wheelchair because of the amputation?
  5. Are you receiving home health care?
  6. Do you have other medical conditions aside from your amputation?

Your answers to these questions will help us determine what plan is right for you and provide you with an accurate quote.


WHAT IF I GOT DENIED COVERAGE IN THE PAST BECAUSE OF AMPUTATION?

If you got rejected for life insurance coverage in the past because of your amputation, we can help you. Most likely your denial is because you applied to the wrong company.

We know funeral insurance carriers that specialize in high-risk cases. To get the best plan with the lowest rates, you need to know these companies and apply with them.

That is why it is important to work with an independent life insurance agency like Funeral Funds. We know which companies will approve your application regardless of your amputation. We will help you get insurance coverage at the best rate.


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 as long as 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 WITH AN AMPUTATION

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

  • Burial insurance plan after an amputation
  • Cremation insurance plan after an amputation
  • Funeral home insurance plan after an amputation
  • Final Expense insurance plan after an amputation
  • Prepaid funeral plan insurance after an amputation
  • Mortgage payment protection plan after an amputation
  • Mortgage payoff life insurance plan after an amputation
  • Deceased spouse’s income replacement plan after an amputation
  • Legacy insurance gift plan to family or loved ones after an amputation
  • Medical or doctor bill life insurance plan after an amputation

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 with an amputation 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 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 an amputation funeral insurance, or an amputation burial insurance, or an amputation 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 After An Amputation Infographic

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