2022 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 for 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 it, 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 would 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 accidents 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 could 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.

Insurance companies use six daily living activities 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 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.  Like ADLs, most final expense insurance companies will specifically ask about home health care. Most companies will deny your application for a first-day coverage plan if you are currently receiving home health care because of amputation.

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

Best Option: Guaranteed issue burial insurance


WHEELCHAIR USAGE

When amputees lose either or both 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 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 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, expect insurance companies will scrutinize your application.

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


TWO YEARS OR LONGER SINCE THE AMPUTATION

An immediate coverage option is 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

You may qualify for a first-day benefit plan if you have a recent amputation (less than 24 months).

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 $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?

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 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 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 surgery or an 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 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 and 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 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.


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 others 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 could 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 to them.

That is why working with an independent life insurance agency like Funeral Funds is important. 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 is 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 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?

Finding a policy with an amputation needn’t be frustrating; 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 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 amputation funeral insurance, amputation burial insurance, or 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

ADDITIONAL QUESTIONS & ANSWERS ON BURIAL INSURANCE AFTER AN AMPUTATION

Can you get life insurance if you have an amputation?

Yes, you can get life insurance if you have an amputation. Most insurance companies will not deny coverage based on a pre-existing condition like this. You should talk to your insurance agent to find out what policies are available to you and how much they will cost.


Can an amputee get life insurance?

Yes, an amputee can get life insurance, depending on why an amputation was performed.


Is amputation considered major surgery?

Yes, amputation is considered major surgery.


What are the 3 types of amputations in life insurance?

There are three types of amputations in life insurance:

  • Full loss of limb
  • Removal of a body part that is not essential for survival
  • Amputation of a digit or toe

In most cases, an insurance company will consider an amputation to be a full limb loss if it is above the elbow or knee. If the amputation is below the elbow or knee, it may be considered the removal of a body part that is not essential for survival.


What are the consequences of an amputee having life insurance?

The consequences of an amputee having life insurance will depend on the policy he or she chooses, but the amputee may be charged a higher premium depending on the reason for the amputation.


Is amputation a pre-existing condition for life insurance?

Some insurance companies may consider amputation a pre-existing condition.


Do I need to tell insurance about my amputation?

You should always tell your insurance company about any pre-existing conditions you have. This will help them determine what policies are available to you and how much they will cost.


Can a person with an amputation get burial insurance?

Yes, a person with an amputation can get burial insurance. You should talk to your insurance agent to find out what policies are available to you.


Do I need to take a medical exam if I have an amputation?

In most cases, you will not need to take a medical exam if you have an amputation.


Is there an age limit for burial insurance after an amputation?

Most life insurance companies accept applicants up to 85 years old.


Can you get first-day coverage insurance if you have an amputation?

Depending on the reason for the amputation, you can still get 1s-day coverage insurance with an amputation.


Can you get funeral insurance if you have a diabetic amputation?

Yes, you can get funeral insurance if you have a diabetic amputation. You should talk to your insurance agent to find out what policies are available to you.


What are the things that may affect my eligibility if I have an amputation?

The things that may affect your eligibility include what body part was amputated, the time that passed since your amputation, and your ability to perform activities of daily living on your own.


Is amputation a high-risk surgery?

Yes, amputation could be a high-risk surgery.


What is the life expectancy after an amputation?

The life expectancy after an amputation will depend on the individual. However, most people who have an amputation will live a full life.


Does amputation shorten life expectancy?

No, amputation often does not shorten life expectancy. Most people who have an amputation will live a full life.


Which insurance is best for people with an amputation?

The best insurance for people with an amputation will depend on the individual. However, most people who have an amputation should consider a life insurance policy that does not require a medical exam.


Is amputation a disability?

Yes, amputation can be a disability depending on the body part that was amputated and the individual’s ability to perform activities of daily living.


What disability category is an amputation?

An amputation can be a disability under the category of physical impairment.


Can I qualify for cremation insurance after an amputation?

In most cases, you will be able to qualify for cremation insurance after an amputation. However, the policy may exclude coverage for the affected body part. You should talk to your insurance agent to find out what policies are available.


Is there a waiting period before I can get life insurance if I have had an amputation?

In most cases, you will not have to wait two years after amputation to qualify for a first-day coverage plan.


How do you get life insurance after an amputation?

In most cases, you can get life insurance after amputation by applying for a policy through an independent life insurance agent.


What is my best insurance option if I have an amputation?

Your best insurance option for amputation will depend on the individual. However, most people who have an amputation should consider a life insurance policy that does not require a medical exam.


What is the average cost of life insurance for someone with an amputation?

The average cost of life insurance for someone with an amputation will depend on the individual and the insurance company.


Is amputation fatal in life insurance?

No, amputation is not considered fatal in life insurance. Most people who have an amputation will live a full life.


Can you be denied insurance after an amputation?

In most cases, it is not an issue unless you cannot perform activities of daily living on your own.


Do amputees live shorter life?

No, amputees do not live shorter lives. In fact, most people who have an amputation will live a full life.


Is amputation a high-risk surgery in insurance?

Yes, amputation could be considered a high-risk surgery for life insurance.


Can I get life insurance if I have a prosthetic?

Yes, you can get life insurance if you have a prosthetic. You should talk to your insurance agent to find out what policies are available to you.


Is there a waiting period for life insurance after an amputation?

There is often no waiting period for life insurance after an amputation. You can apply for a policy through an independent life insurance agent immediately after your surgery.


Can amputation affect your life insurance rates?

Yes, amputation can affect your life insurance rates. This is why shopping around and comparing policies is important to find the best rates for you.


Can amputation medication affect my premium?

Yes, amputation medication can affect your life insurance premium. This is why it is important to disclose all of your medical information to your insurance agent when you apply for a policy.


Do I have to pay extra for cremation insurance if I have an amputation?

In most cases, you will not have to pay extra for cremation insurance if you have an amputation.


What are the premiums for burial insurance after an amputation?

The premiums for burial insurance after an amputation will vary depending on the company and the coverage you choose. However, most policies are very affordable.


What is the average cost of life insurance for someone with an amputation?

The average cost of life insurance for someone with an amputation will vary depending on the company and the coverage you choose.


Can amputation patients get final expense insurance?

Yes, amputation patients can get final expense insurance. This very affordable type of life insurance pays out a lump sum upon the policyholder’s death.


Is amputation covered by a critical illness rider?

In most cases, amputation is not covered by a critical illness rider. However, you should talk to your insurance agent to find out what policies are available to you.


Can amputation affect life insurance?

Yes, amputation can affect life insurance. This is why disclosing your medical information to your insurance agent when you apply for a policy is important.


What are the best life insurance options for someone who has had an amputation?

Your best life insurance option will depend on the individual and the type of amputation.


Can you be rejected for life insurance because of an amputation?

Yes, you can be rejected for life insurance because of an amputation. This is why it is important to talk to your insurance agent to find out what policies are available to you and how much they will cost.


How can you get the best life insurance rates with an amputation?

You can get the best life insurance rates by working with an independent life insurance agent from Funeral Funds who can price shop for you can get you the best plan with the lowest rate.


What is the best insurance option for people with an amputation?

The best insurance option for people with an amputation will vary depending on the individual and the type of amputation.


Why does amputation shorten life expectancy?

Amputation can possibly shorten life expectancy because it increases the risk of infection, heart attack, and stroke.


What is the average life expectancy for someone who has had an amputation?

The average life expectancy for someone who has had an amputation will vary depending on the individual and the type of amputation. However, it is typically shorter than for those who have not had an amputation.


What are the best life insurance companies for amputation?

The best life insurance companies for amputation will vary depending on the individual and the type of amputation. However, some companies may be more likely to offer coverage than others.


What are some tips for getting life insurance with an amputation?

Some tips for getting life insurance with an amputation are to work with an independent life insurance agent, disclose all of your medical information, and work with an independent life insurance agent from Funeral Funds to find the best plan with the lowest rates.

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