Burial Insurance with a Bathing Disability (Problem with an ADLs)

Are you wondering how you can get burial insurance if you need help with bathing? Final expense insurance is available even if you need help with bathing and other activities of daily living (ADL) such as eating, dressing, toileting, transferring and continence.

The good news is that if an injury or chronic disease prevents you from taking a bath on your own, we can help you get approved for burial insurance. Burial insurance plans do not require medical exams. You don’t even need to answer any underwriting questions because your health is not taken into account to qualify.

If you or a loved one currently has a bathing disability and need to get life insurance coverage, keep on reading. This article will explore how you can find affordable life insurance coverage if you need help with bathing and other activities of daily living.


Bathing is one of the activities of daily living (ADL) that you must do on your own to qualify for life insurance. Insurance companies require that each applicant must be able to do this activity independently.

Life insurance companies define bathing as the ability to clean the body using a sponge, tub or shower and reaching different parts of the body to soap, rinse and dry. It also includes getting a basin of water and managing faucets.  You must also be able to get in out of the shower, shower chair or bathtub safely.

Bathing is an important aspect of self-care because it cleans away accumulated waste materials and dead skin that might lead to infection. It is a complex task involving undressing and drying one’s whole body.

Bathing also includes performing other grooming activities like brushing teeth and shaving if you need help from another person to complete any of these activities you will be classified as dependent or having a bathing disability.

Bathing disabilities can range from taking off clothes, difficulty in reaching parts of the body, difficulty in getting in and out of the shower or bathtub, balance problem, and fall or fear of falling.

Problems with bathing may arise from physical and mental health. Some health conditions such as arthritis and paralysis may prevent you from taking a bath on your own.

The bathroom is a high-risk area because of some slick surfaces that can cause you to fall and injure yourself. Accidents in the bathroom can be devastating and may add more health problems than you already have. Bathroom accidents can cause injury or premature death. Anything that may affect mortality is a major concern to life insurance companies.

People with a bathing disability, or those needing assistance to take a full bath, also have a big likelihood of needing long-term care services. This may also mean disability in other activities of daily living.

Home health care services or nursing facility confinement is a knockout to life insurance companies. It will mean an automatic decline for traditional life insurance and the only coverage available is a guaranteed issue burial insurance.


“Activities of daily living” is a way of evaluating an individual’s ability to function in life. When you cannot perform any of these activities, you are no longer able to fully take care of yourself.

Sidney Katz developed the concept of ADL measurement in the 1950s. The Katz Index of Independence in Activities of Daily Living is still used today by the life insurance companies to determine a person’s independence versus dependence.

You will be given one point for every task you can complete, and zero points if you cannot complete a task. Getting a score of 6 means you are independent, while a score of zero means you are very dependent for help.

There are six activities of daily living needed to manage basic physical needs:

BATHING – The capability to clean your body using a sponge, tub or shower. Getting a basin of water and managing faucets. Bathing also includes performing other grooming activities like brushing teeth and shaving. If you need help from another person to complete any of these activities means you are dependent on help with bathing.

DRESSING – The capability to put on and take off any article of clothing. It also includes your ability to put on and take off fasteners, splints, braces, and artificial limbs. You must get dressed by yourself without grappling with zippers or buttons. Needing help from another person to complete any of these activities means you are dependent on help for dressing.

TOILETING – Going to the bathroom without any help, including getting on and off the toilet. Taking off and putting undergarments, and performing personal hygiene tasks. Also includes using and emptying a bedpan and urinal after use. Needing help from another person in completing any of these activities means you are dependent on help for toileting.

EATING – The process of getting food into your body from a container such as a plate or a cup, including the use of utensils. Getting food on the utensil and bringing food from utensil into the mouth. Also, include cleaning the face and hands following the meals. If you need help from another person to eat, you are dependent on help for eating

TRANSFERRING – Getting in or out of bed, chair or wheelchair without assistance. Also includes standing or repositioning yourself to promote blood circulation and prevent skin breakdown. If you need help from another person with any of these activities, you are dependent on help with transferring.

CONTINENCE – Maintaining control of bladder and bowel function. Also, include performing personal hygiene tasks including caring for a catheter or colostomy bag and applying diapers or disposable barrier pads. If you cannot control bladder or bowel function and you need help from another person to do the associated personal hygiene task, you are dependent on help for continence.

Activities of daily living are used to classify disability and determine the basic physical needs to live. When you cannot perform one or more of these activities, you will usually need long-term care such as in-home care, skilled nursing or assisted living facility.


When applying for burial insurance with a bathing disability, it’s important to provide us as much information as possible. This will help us get a good understanding of your condition and provide you with an accurate quote.

Here are some of the questions we will ask you to determine the best plan suited for your needs.

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

We will ask you these questions to accurately assess your current health and burial insurance eligibility. It is important, to be honest when answering these questions.


Every burial insurance company with medical underwriting (health questions) will ask about bathing disability and your ability to perform activities of daily living in their life insurance application.

You will always find burial insurance companies ask about ADL’s in the following way (or something very close to this):

  • Are you currently receiving home health care, or requires help with activities of daily living such as eating, bathing, dressing, transferring and continence?
  • Do you currently need assistance with bathing, transferring, eating, toileting, dressing, or are you bedridden?
  • Are you scheduled for admission, or currently confined to a nursing facility or assisted living facility?
  • Do you currently receive home health care or, in the last two years, have you received home health care for more than three times?
  • Do you currently use a wheelchair due to a chronic illness or disease?

Other application won’t directly ask you if you have a bathing disability, but the other questions will answer it for you. For example, if you need assistance with bathing, you are likely receiving home health care services; you are likely living in a nursing home or assisted living facility.

If you answer “yes” to any of these questions, your application will be automatically declined for traditional life insurance. However, you have another option for coverage called guaranteed issue burial insurance (which does not have any health questions).


Having a bathing disability or needing assistance from somebody else to take a bath will significantly affect your ability to qualify for the best-priced burial insurance policy.

Bathing is an important and potentially challenging self-care activity, and disability in bathing is associated with several 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 can prevent you from taking a bath on your own or perform any other ADL’s.

Life insurance providers will react in one of two ways when they learn you have a bathing disability or unable to do ADL’s:

  • They will automatically decline your application
  • They will offer a guaranteed issue burial insurance with a two-year waiting period.

No life insurance carrier will offer you immediate coverage during the first two years if you need help in performing the activities of daily living.

Funeral Insurance, Final Expense Insurance, Burial Insurance With A Bathing Disability Infographics


To secure a new policy with a bathing disability, your best option is to buy a guaranteed issue burial insurance policy. You will qualify for this plan regardless of your bathing disability or needing help with activities of daily living.


A guaranteed issue (GI) life insurance policy has no health questions or prescription history assessment of any kind. You don’t even have to take a medical exam to qualify for coverage.

While it may cost a bit more than insurance with medical questions, you will not have to worry about the possibility of being rejected for coverage because of bathing disability or not being able to perform the activities of daily living.

A guaranteed acceptance policy is graded for the first two years of the policy for natural causes of death. The policy will also pay a full death benefit if you die from an accident during the two-year waiting period.

If you die from illness, the insurance company will pay your beneficiaries all premiums you paid plus 10% interest. After the two-year waiting period, you are fully protected for life. At this point, the insurance provider will pay the full death benefit if you die for any reason.


  1. Easy to qualify. You skip the medical exam and health questions. You will be approved regardless of any medical conditions.
  2. Level premium. Your monthly premium is fixed for life. It is guaranteed to never increase because of your advancing age or worsening health condition.
  3. The death benefit will never decrease. Your beneficiary will receive the face amount on your policy when you pass away.
  4. Tax-free. Your death benefit will be paid to your beneficiaries free of tax. They will not owe any income tax on the death benefit.
  5. Your policy will never expire. Guaranteed issue burial insurance is whole life insurance that will last your lifetime. The policy will never end as long as you keep paying the premiums.
  6. Not cancellable. Your policy can never be canceled by the life insurance company as long as premium payments are made on time.
  7. Cash value accumulation. Guaranteed acceptance life insurance is whole life insurance that accumulates a cash value that you can withdraw or borrow against.


If you are relatively healthy, but you need help with ADL’s, you can still have an average life expectancy and easily outlive the two-year waiting period.

Avoid postponing your application for coverage because your health may get worse at any moment, and you could develop other health conditions such as diabetes or high blood pressure.

We’ve been able to help seniors secure final expense insurance even if they have a bathing disability and have trouble with their activities of daily living. Call us or complete the funeral insurance quote form to find out how we can be of help.


The best-guaranteed issue life insurance policy will not have you wait more than two years to take effect. Some plans have three or even four-year waiting periods. It’s totally insane! Avoid these plans at all cost!

Two years is the shortest period possible before your coverage is in full force. You don’t have to wait for more than that.

If you need help with bathing, then GI policy is your best choice. Your application will be quick and easy because there are no medical exam or health questions.

Guaranteed issue life insurance has a two-year waiting period only, if you pass away in the first two years due to natural death, your beneficiaries will get your premiums back plus 10% interest.



Every final expense company has their own age requirement, but most companies accept applicants who are 50 to 85 years old.


Not every insurance company have their insurance products licensed in every state. Make sure the company has guaranteed acceptance life insurance policy available in your state before you buy.


You must possess the mental capacity to enter into a legal contract. For example, if you have a severe cognitive impairment like Alzheimer’s disease or dementia and you are not able to legally consent to an agreement, the company may reject your application.


  1. Increasing premium – Many of these life insurance companies have a premium increase every five years. A real guaranteed issue burial insurance has a fixed premium for life.
  2. Policy termination after age 80 – Some policies expire after you pass  80 years old. Guaranteed issue whole life insurance is a whole life insurance policy that lasts a lifetime.
  3. 3-year waiting period –The best-guaranteed issue life insurance has only a two-year waiting period. Some guaranteed issue plans offered on TV has a 3-year waiting period. Avoid these plans at all cost.


Trying to find a policy with a bathing disability 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 bathing disability, 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 bathing disability funeral insurance, or bathing disability burial insurance, or bathing disability 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.