Buying burial insurance with autism shouldn’t be a difficult thing to do, as many insurance companies will welcome you with this condition.
Some insurance companies offer autism-specific insurance. This is designed for people with an autism spectrum disorder in mind, and it will ensure that you will be covered no matter what may cause your passing.
With burial insurance with autism, the insurance companies will NEVER require you to take a medical exam or personal evaluation.
The only thing you will have to do is answer some health questions. They won’t even request a copy of your medical records. This is how burial insurance works.
This article is going to discuss how burial insurance companies respond to applicants with autism, what options are open for you, and how to find the most affordable plan.
FOR EASIER NAVIGATION:
CAN YOU QUALIFY FOR LIFE INSURANCE IF YOU HAVE AUTISM?
The answer is YES. Having autism spectrum disorder (ASD) does not prevent you from qualifying for life insurance.
However, the type of insurance policy you will qualify for will depend on the severity of your symptoms and any medical conditions you may have.
We all know that people with autism can suffer from different health issues which can be mild or severe. As we get older, the severity of health problems will increase. This is the perfect reason to purchase life insurance now.
Do it while you’re still healthy in order to get affordable insurance. You can lock in quality coverage at your current age.
If you or a loved one suffers from autism, let us help you get approved with a plan that works with autism applicants. Even if you’ve been declined coverage in the past, we can help you get affordable final expense insurance.
WHY DO INSURANCE COMPANIES CARE IF YOU HAVE AUTISM?
Life insurance companies know that autism or autism spectrum disorder is a neurodevelopment disorder. Autistic patients tend to exhibit restricted or repetitive behaviors, and they have trouble with social interaction.
Autism is not a life-threatening condition, but autism affects behavioral and bodily functions. Most people with autism suffer from a variety of health issues such as epilepsy, seizure, and anxiety. This condition can last through adulthood since autism has no cure.
Life insurance companies care about autism because studies showed that those with autism without learning disabilities had an average life expectancy of 58 years. Their leading cause of death is heart disease, epilepsy, and suicide.
Having underlying health issues makes it challenging to get coverage for someone on the spectrum because it can cause premature death.
Life insurance eligibility with autism depends on the severity of the disorder. Mild autism with no mental impairment, behavioral problems or epilepsy and can independently do activities of daily living can easily qualify for immediate coverage.
If autism is moderate to severe with behavioral or mental problems and epilepsy, you will only be eligible for guaranteed issue life insurance.
WHAT INFORMATION DO WE NEED IF YOU HAVE AUTISM
We will need more information if you have autism spectrum disorder regarding your diagnosis and any other medical conditions you may have.
This information will help us to understand your current health condition better and enable us to provide you with an accurate quote.
Here are some of the questions we will ask to determine the best plan for you:
- What type of autism do you have?
- When were you diagnosed with autism spectrum disorder?
- Do you have any intellectual or mental disability?
- What medications are you currently taking?
- Do you have physical impairments like cerebral palsy?
- Do you have a history of seizure or epilepsy?
- Do you suffer from any mental health disorders such as bipolar disorder, depression or schizophrenia?
- Do you need help with activities of daily living such as eating, bathing, dressing, transferring and continence?
- Do you have any other medical condition?
Try to give an honest response to the questions. We will analyze your information to determine what insurance company is your best fit.
UNDERWRITING BURIAL INSURANCE WITH AUTISM
When applying for final expense insurance with an autism spectrum disorder, you will have to go through underwriting. You will only have to answer a few health questions as a part of the application process.
Some of the common questions you will be asked include:
- Have you ever been diagnosed or treated for autism spectrum disorder?
- Do you have any history of seizures or epilepsy?
- Do you need help in performing activities of daily living such as eating, bathing, dressing, transferring and continence?
Depending on the life insurance company you are applying, there may be many more questions on the application, but those are the more common questions asked of people who are applying for burial insurance with autism.
Insurance companies may ask many questions about your condition because they need loads of information to make a decision. Be sure to provide all this information to avoid getting denied.
PRESCRIPTION HISTORY CHECK
While there are no specific medications that apply directly for Autism, you could be taking medicines for other mental conditions like, anxiety medications, antidepressants, and antipsychotic drugs including:
- Aripiprazole (Abilify)
- Fluoxetine (Prozac)
- Naltrexone (Vivitrol)
- Quetiapine fumarate (Seroquel)
- Risperidone (Risperdal)
- Sertraline (Zoloft)
If you are taking any of these drugs, don’t worry. These medications could be insurable depending on the severity of your condition.
OTHER FACTORS THAT AFFECT UNDERWRITING
AUTISM WITH EPILEPSY & EPILEPTIC SEIZURES
It is estimated that 30% of people with autism spectrum disorder experience epilepsy or epileptic seizures. Prolonged, uncontrolled seizures may lead to permanent brain damage in people with autism.
Life insurance applications for people with epilepsy are handled differently from healthy individuals.
People with epilepsy or epileptic seizures are considered high risk by insurance providers because studies have shown that their life expectancy can be reduced from two to ten years.
Factors that can lead to a risk of premature death include:
- Accidents like choking, falling or drowning may occur during a seizure.
- Epilepsy can be a result of other medical condition such as a stroke or brain tumor.
- Some may die from SUDEP or Sudden Unexpected Death in Epilepsy
To the insurance company, these factors can be relevant in assessing your risk. It’s not much about the actual seizures that life insurance providers fear when underwriting an autism applicant with epilepsy. It’s the accident that could lead to death from a direct result of a seizure.
AUTISM, DEPRESSION, AND ANXIETY
Studies show that at least 33% of people with autism suffer from anxiety like social phobias, obsessive worrying, and separation anxiety when they are separated from a loved one.
Anxiety can be mild to severe, and at times difficult to control.
Most adult autism patients also suffer from depression. Some people may be taking more than one medication and receiving treatment from a psychiatrist. Depression in older adults with autism can co-occur with other severe medical conditions, such as heart disease, diabetes, and high blood pressure.
It’s entirely possible for a person with depression to experience temporary hospitalization.
If you have been hospitalized due to major depression, it may affect your burial insurance eligibility. In the case of severe or clinical depression with a disability, you are looking at guaranteed issue burial insurance.
AUTISM AND ATTENTION DEFICIT DISORDER (ADD) OR ATTENTION DEFICIT HYPERACTIVITY DISORDER (ADHD)
Hyperactivity and attention deficit disorder affect the ability of people with autism from focusing and learning.
Most hyperactivity disorders do not affect your ability to qualify for life insurance. However, some medications used to treat hyperactivity disorders are red flagged in life insurance companies and may impact the amount you pay and if you will have a waiting period on your policy.
AUTISM AND PHYSICAL IMPAIRMENTS
In some circumstances, people with Autism may experience physical impairments like gait issues, paralysis, and limited mobility that may affect the way you perform everyday activities.
Physical impairments may affect your ability to qualify for life insurance. The less physical impairments you have, the better your chances of qualifying for affordable burial insurance.
If you have physical impairments, the insurance company is going to want more details on how it affects your ability to do the activities of daily living.
AUTISM AND MEDICATION
The medication you use to treat your autism spectrum disorder, like your other medical condition, will have a direct impact on your level of insurability.
Medication used to treat autism can also be used to treat other medical conditions such as anxiety, depression and bipolar disorder.
The insurance company will want to know:
- What medications you are taking for autism
- The amount of dosage
- How long you have been taking the medication
Additionally, inform them if you are taking medications to treat other health issues that are not related to Autism or mental health issues. These medications will also be considered during the underwriting process.
ACTIVITIES OF DAILY LIVING
Pretty much every burial insurance company will ask about the activities of daily living in their life insurance application.
There are six ADLs used by life insurance companies to determine if you will qualify for coverage:
If you have autism, you should be able to do these ADLs on your own to be eligible for life insurance. Most final insurance companies will flat out decline anyone who needs help with their daily activities.
If your autism is so severe that you need help in doing the ADLs, your life insurance option will be limited. You will have to pay more for your plan, and you cannot escape the waiting period.
POLICY OPTIONS IF YOU HAVE AUTISM SPECTRUM DISORDER
The severity of autism has an impact on eligibility for life insurance coverage.
Insurance companies will consider if you only have autism if you have other more serious issues or other physical and mental impairments. Beyond these factors, they will also review your overall health to make a decision.
THERE ARE THREE LEVELS OF AUTISM SEVERITY:
LEVEL 1 – (Mild)
Higher functioning autism or mild autism has some issues with communication skill and socialization. They often maintain a high quality of life with only little support and they can complete activities of daily living independently.
If you have mild autism, but you can function in high capacity, you are self- sufficient and no other behavioral problems, mental disorder or epilepsy. You can qualify for level death benefit with immediate coverage
If you have mild autism, but you have a mental and behavioral disorder or epilepsy, taking a guaranteed issue burial insurance is your only option.
RECOMMENDATION – LEVEL DEATH BENEFIT
The level death benefit is the best insurance option for people with autism.
This plan has immediate coverage effective on the first day no waiting period. It is the best life insurance policy for autistic child. It is also cheaper than a guaranteed issue burial insurance.
Level death benefit works this way. For example, you applied for $10,000 face amount, and the company approved you for a level death benefit. One week later, you, unfortunately, passed away. Your beneficiary will receive the $10,000 death benefit to help pay your final expenses.
LEVEL 2 – (Moderate)
People with moderate autism require substantial support.
Symptoms include a more severe lack of verbal and nonverbal communication skills. Performing activities of daily living are difficult and generally, need more support than those with mild autism.
Moderate autism with behavioral problems, mental disorder or epilepsy only qualifies for guaranteed issue life insurance policies for special needs.
LEVEL 3 – (Severe)
People with severe autism require very substantial support.
They have a more severe lack of communication skills and display repetitive or restrictive behaviors.
Repetitive behaviors mean doing the same thing over and over again, whether it’s speaking the same phrase or physical action.
Restrictive behavior is like having a world of their own where they distance themselves from the people around them. They have a narrow interest in specific topics and have a hard time adapting to change.
People with severe autism may also benefit from medication. While there are no specific drugs to treat severe autism, certain medications can help manage specific symptoms such as depression or anxiety.
Someone with severe autism may also need a caregiver to help them learn basic skills and help them in performing activities of daily living. People under this category will only qualify for guaranteed issue whole life insurance for special needs.
GUARANTEED ISSUE BURIAL INSURANCE
If you have moderate to severe autism and it has a direct impact on your ability to perform the activities of daily living. Most likely guaranteed acceptance life insurance is your only option.
The more severe your health condition is, the more likely it is that you have to consider a no medical exam no-questions policy. Your approval is guaranteed with this plan no matter how severe your condition is.
Guaranteed issue burial insurance is whole life insurance that lasts a lifetime. It has a graded death benefit during the first two years of the policy. If you are a U.S. citizen and live in the state where it is available, and you fall within the required age of 50 to 85, you should be able to qualify for this plan.
The insurance application process is quick and easy, and it only takes a matter of minutes over the phone or your computer. After the insurance company approved your application, you will receive your policy through the mail.
BENEFITS OF GUARANTEED ISSUE BURIAL INSURANCE
- Easy to qualify – You skip the medical exam. You only have to answer a few questions about your health.
- Level premium – Your monthly premium is fixed as long as you continue to pay your premium on time. It is guaranteed to never increase due to advancing age or worsening health condition.
- Level death benefit – Your beneficiaries will receive the amount on your policy when you pass away.
- Tax-free – Your death benefit will be paid to your beneficiaries free of tax. They will generally not owe any income tax on the death benefit.
- Not cancellable – Your policy can never be canceled by the life insurance company as long as premium payments are made on time.
- Cash value builds up – Guaranteed issue life insurance builds cash value that you can borrow against for whatever purpose you deemed necessary.
LIFE INSURANCE FOR FAMILY MEMBER
In most cases, it is often the family members of those with Autism spectrum disorder who are looking to get a life insurance policy for their loved one.
Most of the time, the family members are just looking for a policy to cover final expenses.
In this case, choosing from among final expense insurance companies, that don’t have a medical exam or even ask any health questions, is the best fit.
Guaranteed issue burial insurance with autism can be taken out by the family for their loved ones so that when they pass away, there will be some financial assistance in place.
POWER OF ATTORNEY
If the applicant’s autism is severe, a power of attorney may be necessary. Power of attorney is allowable with some life insurance companies we work with if the applicant with severe autism does not have the capacity to make legal decisions.
If you have a family member with this condition, call us so we can help you understand your options.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with autism 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 of autism, 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 for 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 autism funeral insurance, or autism burial insurance, or autism 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.