If you’re looking for affordable burial insurance after an amputation, don’t get frustrated. Having a limb amputated is one of the many things insurance companies consider, but you can qualify for coverage depending on your overall health and the state you live in.
Only a few situations will make you pay a higher premium and a waiting period, but you have different options when it comes to burial insurance after you had an amputation.
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 reveal the way to find the most affordable burial insurance with an amputation.
FOR EASIER NAVIGATION:
CAN I QUALIFY FOR LIFE INSURANCE IF I HAVE AN AMPUTATION?
YES! Depending on your current health and why you have an amputation, you can qualify for different types of funeral insurance, cremation insurance, burial insurance or final expense insurance policies.
Amputation from a disease may narrow your options. However, you can still get affordable coverage.
And you know what’s best?
Just like all burial insurance policies, you need not take any sort of physical or medical exam to qualify. You will only have to answer a few questions about your health, and you will be covered. It’s easy.
WHY DO INSURANCE COMPANIES CARE IF I HAVE AMPUTATION?
Insurance companies care if you have an amputation because an amputation requires surgery to remove any part of a limb or extremity such a finger, hand, arm or leg. Every insurance company asks about surgery in their health questionnaire.
Amputations happen for a variety of reasons. For example, some people have devastating accidents. Car accidents, motorcycle accidents, recreational vehicular accidents, and work accidents, are a large reason for amputation.
Additionally, chronic disease such as peripheral artery disease and diabetes cause degeneration of the limbs, fingers, and toes which requires amputation. Most of the time the only solution to remedy this problem is amputating to extend a person’s life or improve their quality of life.
Here are other causes of Amputation:
- Severe burns
- Cancerous tumor in the limb
- Serious infections
- Thickening of nerve tissue (neuroma)
- Wartime injury
- A professional sport like racing
Losing a finger or toe will have a lesser impact on doing activities of daily living than losing an arm or a leg. You may even qualify for immediate coverage ifs you are only missing a finger or toe.
Amputations from a disease cause more concern to the life insurance company than an accident. Depending on your disease, it could mean other underlying health issues that might shorten your lifespan. Aside from this, some amputees are more prone to accidents because of their condition.
The insurance company is more concerned with how long you will live. The lower the risk of dying prematurely, the better life insurance options are available for you.
WHAT INFORMATION DO 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:
- What part of your body was amputated?
- What caused your amputation?
- Are you able to perform the activities of daily living (eating, bathing, dressing, toileting) on your own?
- Are you confined to a wheelchair because of the amputation?
- Are you receiving home health care?
- 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.
UNDERWRITING BURIAL INSURANCE WITH AN AMPUTATION
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?
- Did you have any kind of surgery in the past 12 months?
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.
In most cases, an amputation caused by diabetic neuropathy is a flat out decline. However, guaranteed issue life insurance companies we work with that will accept you in spite of your condition.
BURIAL INSURANCE WITH AN AMPUTATION
The location of amputation, the reason for your 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 might qualify for immediate coverage if:
- Your amputation was more than a year ago
- You’re not using a wheelchair
- You can do activities of daily living independently
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.
Life insurance companies are hard on people with amputation caused by the disease because their life expectancy becomes more difficult to predict. Their health condition can get worse and become difficult to manage in the future.
Just because you cannot get traditional life insurance with an amputation doesn’t mean you have to go through life living without insurance. There are other options for coverage open for you. Read on to know what your options are.
FACTORS THAT AFFECT 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 ADL to be eligible for better rates.
If you need help with these because of your amputation, it is going to be challenging to secure immediate coverage with the lowest rate. Pretty much every final expense insurance company will not issue any coverage to anyone who needs help with their activities of daily living.
We know one insurance company that is fine with amputation applicants who need help with activities of daily living, so hopefully, you don’t have other medical conditions that can prevent you from qualifying with them.
If you don’t qualify, you will need to accept that you will pay a higher premium and have a full two-year waiting period.
If you need help in activities of daily living, your best option for coverage is to get a 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 reject you altogether.
Thankfully, there is one funeral insurance company that does not ask about home health care. They are perfectly fine with home health care. However, if for some reason you have a health issue that may prevent you from qualifying with them; you can’t avoid paying a higher premium and a two-year waiting period.
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.
The most significant factor that affects insurance eligibility when you have amputation is the reason why you are in a wheelchair. If you are a wheelchair user because of an accident, most insurance companies are accepting of wheelchair use if you can do activities of daily living independently.
If you use a wheelchair due to diabetes or peripheral artery disease, you are totally ineligible for insurance coverage with immediate coverage. No funeral insurance company will issue you a policy that does not have a waiting period. You also need to pay a higher premium.
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.
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.
LESS THAN 12 MONTHS SINCE THE AMPUTATION
If your amputation occurred recently (less than one year ago), your best option for life insurance coverage is a guaranteed issue, no-questions-asked burial insurance.
You could not avoid a waiting period if your surgery has performed in the previous 12 months. You will also need to pay more premiums than someone who never had an amputation.
Due to your recent amputation, you fall into a higher-risk category. That is the reason why you have a waiting period and you need to pay a little bit more.
You will have to pay anywhere from 15 to 50% more, and you will need to live for two years before you will be covered for a natural cause of death. When the two years is up, your death benefit is available in full.
MORE THAN 12 MONTHS BUT LESS THAN TWO YEARS AGO SINCE THE AMPUTATION
In this case, you have better options. You may qualify for first-day partial coverage if more than one year has passed since your amputation. Some companies offer graded benefits for amputees whose amputation is more than a year.
This means that you are partially covered from day one. Please understand that not many companies offer partial coverage for amputees.
These companies are not so common but we work with them. If you fall to this category, we hope you have no other health conditions that may hinder you from being eligible with these companies.
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.
Congratulations! The best plans are open to you. Most final expense insurance companies will approve you to their instant protection with the lowest premium.
WHAT LIFE INSURANCE OPTIONS DO I HAVE IF I HAVE AMPUTATION?
You will qualify for immediate coverage final expense life insurance no exam depending on the location and the reason for your amputation. If you only have an amputation in your fingers and toes because of an accident, and your amputation does not prevent you from performing activities of daily living you will qualify for this plan.
If you’re a wheelchair user but you can do ADL on your own, and your amputation was more than two years ago, you will also qualify for immediate coverage.
You will be fully covered from the first day, and you will have no waiting period. Your beneficiary will receive 100% of the death benefit when you pass away even if it’s a day after you took the policy.
GRADED DEATH BENEFIT
If one year or longer has passed since your amputation, you will qualify for a graded death benefit. It is the next best type of coverage because you will be covered from the first day of your policy for a percentage of your death benefit.
You will only need to pay anywhere from 30-60% more, and your policy will pay out a portion of the death benefit on the first two years of the policy. If you die in the first year, the company will pay out 30-40% of the death benefit.
The death benefit payout will be 70-80% in the second year. Your beneficiary will receive 100% of the death benefit if you die in the third year of the policy.
GUARANTEED ISSUE BURIAL INSURANCE
Guaranteed issue burial insurance for amputees is also available. If you have a severe amputation because of accident or diabetes and you need help with activities of daily living, this is your only option.
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.
If you are a U.S. citizen and 50 to 85 years old, you can easily qualify for guaranteed issue policy. The application process is quick and easy, and it only takes a matter of minutes over the phone or computer. After your approval, your policy will be mailed to you. The waiting period would begin after you paid your first monthly premium.
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.
Although the process may not be easy compared to people in perfect health, it is possible for an amputee to get affordable burial insurance.
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 with the best rate.
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.
If you have a health history that includes an amputation, let us help you; we will work with you side by side to find a plan that fits your needs.
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 dirty work for you.
We will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will 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.