Trying to secure burial insurance with cerebral palsy isn’t as difficult as you might think. If you have been told that you won’t qualify for a life insurance policy due to cerebral palsy, don’t believe it!
You will be surprised there are many burial insurance companies accepting this medical condition for coverage. You can qualify for level rates with multiple companies in spite of your cerebral palsy.
We routinely help people with cerebral palsy secure affordable burial insurance. Today, we are going to explore burial insurance with cerebral palsy to show you how to get the best burial insurance plan.
This article will show you how insurance companies respond to cerebral palsy applicants, and what your choices will be. Best of all, we will show you how to go about finding the best burial insurance with cerebral palsy.
FOR EASIER NAVIGATION:
WHAT IS CEREBRAL PALSY?
Cerebral palsy is a congenital disorder of movement, posture or muscle tone caused by damage that occurs to the developing brain, most often before birth. The brain damage can happen at any time during pregnancy, childbirth or any period from childhood until the age of three.
The cerebral area is from the part of the brain called cerebrum, where this disorder is located; it controls motor function. Palsy refers to paralysis; most cases of cerebral palsy have movement or position disorders.
Cerebral palsy has four major types:
- Athetoid – people with involuntary movement in the face, limbs, and torso.
- Spastic – people with exaggerated or jerky movements.
- Ataxic – a type of cerebral palsy that causes problems with balance and coordination
- Mixed – people showing symptoms of more than one type of CP
There is no known cause, but Cerebral palsy can happen due to:
- Trauma at birth
- Lack of oxygen during birth
- Breech birth
- Newborn seizures
- Low birth weight
- Head injury
- Rh incompatibility between child and mother
Among the accompanying symptoms that occur with movement, problems include alterations in sensation, perception, cognition, communication, and sight-based acuity.
Cerebral palsy signs and symptoms can vary including:
- Lack of muscle control and slouching
- Impaired reflexes and uncoordinated motor skills
- Bone and joint deformities or contractures
- Muscle spasms, tremors, and involuntary muscle movements
- Unsteady gait, balance problems
- A decrease in muscle mass
- Excessive drooling or problems with swallowing
- Epilepsy, seizure
- Apraxia or inability to perform previously learned activities
- Mental retardation
- Difficulty in sucking or eating
- Dysarthria or motor speech disorder
- Learning disabilities
- Sensory and communication impairments
- Urinary and fecal incontinence
GIVE IT TO ME STRAIGHT…
CAN I GET BURIAL INSURANCE WITH CEREBRAL PALSY?
If you have cerebral palsy and have been trying to get burial insurance, we hope you aren’t disappointed. It’s quite common for many insurance companies to respond negatively to this medical condition because of cerebral palsy life expectancy. If this happened to you, it’s because you haven’t come across a company that specializes in burial insurance.
The truth is many burial insurance carriers will take applicants with cerebral palsy, and not charge a higher premium or have a waiting period on the policy.
Be careful, because some companies will decline you outright. If they don’t decline you, the premium will be higher and have a waiting period. Hopefully, you can qualify with carriers that gladly accept cerebral palsy applicants.
WANT TO KNOW THE FANTASTIC TRUTH ABOUT BURIAL INSURANCE?
Burial insurance policies will never require you to take a physical or medical exam. You will never have to let a stranger in your home. You will only have to answer some basic questions about your health.
Even if you show a few motor, perceptual or cognitive symptoms, you can still qualify for burial insurance. Your movement problems will not stop you from affording burial insurance for cerebral palsy No matter what your health condition is, we can get you eligible for burial insurance that doesn’t break the bank.
There are many insurance carriers that are willing to accept cerebral palsy with no penalty whatsoever. With these companies, cerebral palsy applicants pay no more for their coverage than a person without this condition.
Ideally, you won’t have other major health issues that can prevent you from qualifying with one of the insurance companies that does accept cerebral palsy.
Simplified Issue Burial Insurance – this plan is excellent for those looking for coverage fast without the hassle of a medical exam. It will be offered if your answers to health questions fit the underwriting guidelines. Whether you need coverage for a loan or don’t like needles, the simplified issue is a good option for you.
Guaranteed Acceptance Burial Insurance – this is a no questions asked life insurance policy. There is no exam, no underwriting, and no health questions. So. even if you have any neurological disorder like Parkinson’s disease, Huntington’s disease, ALS, Alzheimer’s disease, cerebral palsy or Down syndome you will qualify for coverage.
To get approved you just need to fill out a short application. The downside to these policies is a higher premium, and it comes with a two-year waiting period. This means that if you die during the waiting period, your beneficiaries will receive the premiums that you paid in plus 10% interest.
BENEFITS OF BURIAL INSURANCE
Easy to get coverage. Easy to qualify and get insurance coverage. No medical exam required you only need to answer a few health questions.
Fixed benefit amount. Your death benefit amount is fixed and guaranteed to never decrease for any reason.
Fixed premium. Your premium is fixed and guaranteed never to increase. The amount is lock into a rate at your current age, and the premium will never go up regardless of age or medical conditions.
Tax-free. The death benefit is paid directly to your beneficiary tax-free
You can choose to get a much smaller amount of coverage. Burial insurance coverage can range from $1,000 to $50,000
Not cancelable. Your insurance policy can never be canceled by the life insurance company as long as payments are made on time.
Cash value builds up. A good savings option because burial insurance is a whole life policy that builds cash value over time.
BURIAL INSURANCE WITH CEREBRAL PALSY
Cerebral palsy is not a degenerative disease that gets worse with time. This is good news when considering getting a life insurance policy because life insurance company issue and disapprove policies based on the risk of early death; the higher your chances of dying earlier, the more likely you will be denied a policy.
Every case of cerebral palsy is different from the other; you may have a shorter life span than other people your age or other people with cerebral palsy.
The things that could reduce the mortality rate of cerebral palsy patients include:
- Severity – the more severe your impairments, the higher your chance of dying earlier.
- Mobility – the less mobile you are, the more your risk of early death.
- Respiratory difficulties – an inability to breath, swallow or chew properly could cut your life short.
- Relying on caretakers – the less independently you can function and depend solely on caretakers, the more likely your mortality be affected.
- Vision impairments – if you have impaired vision, you could have a high rate of early mortality.
- Intellectual disability – cerebral palsy patients with mental impairment have a lower life expectancy than those with normal cognitive functioning.
WHAT WILL THE INSURANCE COMPANIES ASK ME ABOUT MY CEREBRAL PALSY?
There are some health questions you will be asked on your application. Your answer to these questions will dictate what options you have.
Common health questions you will be asked include:
- When were you diagnosed with cerebral palsy?
- Other than your cerebral palsy, have you been diagnosed with any other medical conditions?
- What symptoms do you suffer from?
- Do you have other neurological conditions?
- Do you have seizures?
- Are you currently taking prescription medications?
- Do you need assistance with daily activities of living (eating, dressing, bathing, toileting and taking medication)?
- Are you using a wheelchair?
WILL I BE REQUIRED TO TAKE A MEDICAL EXAM WITH CEREBRAL PALSY?
Burial insurance is a simplified form of life insurance. It does not require you to take a medical exam.
You will only have to answer some basic health questions. A guaranteed acceptance life insurance does not need you to have a medical exam, and you don’t even have to answer health questions to qualify for coverage.
WHAT MEDICATION DO THE INSURANCE COMPANIES LOOK FOR WHEN I HAVE CEREBRAL PALSY?
In addition to the health questions, insurance companies will also analyze your prescription history.
There’s no cure for cerebral palsy, but medications can help alleviate seizures, spasticity, and pain. Since cerebral palsy is treated with drugs, burial insurance companies know which ones to look out for.
Below is a list of prescription medicines that are typically flagged for cerebral palsy. If you are on these, most companies will consider you as a cerebral palsy patient regardless of how you answer the health questions.
- Benztropine (Cogentin)
- Carbamazepine (Tegretol)
- Carbidopa-levodopa (Sinemet)
- Clonazepam (Rivotril)
- Depakene (Valrelease)
- Divalproex Sodium (Epival)
- Ethosuximide (Zarontin)
- Gabapentin (Neurontin)
- Glycopyrrolate (Robinul)
- Lamotrigine (Lamictal)
- Oxcarbazepine (Trileptal)
- Phenytoin (Dilantin)
- Topiramate (Topamax)
- Trihexyphenidyl (Artane)
- Valproic acid (Valproate)
- Zonisamide (Zonegran)
- Benztropine mesylate
- Carbidopa-levodopa (Sinemet)
- Glycopyrrolate (Robinul)
- Procyclidine hydrochloride (Kemadrin)
- Trihexyphenidyl hydrochloride
- Botox (injections)
- Cyclobenzaprine (Flexeril)
- Dantrolene (Dantrium)
- Diazepam (Valium)
- Tizanidine (Zanaflex)
Each cerebral palsy case is different, and medication needs can vary depending on the severity of cerebral palsy and the specific medical and lifestyle needs of the patient.
WILL THESE MEDICATIONS MAKE ME INELIGIBLE FOR BURIAL INSURANCE WITH CEREBRAL PALSY?
When you apply for burial insurance, you need to allow your insurance company access to your prescription medication records. So if you’ve been prescribed medication in the past, the burial insurance company will know about it.
If you are taking any of the above medications, there is an excellent chance that burial insurance companies will regard you as a person with cerebral palsy.
Even if you conceal your diagnosis to them, the presence of these medications in your pharmacy history will give it away for you. You cannot hide your medical diagnosis if you have filled a prescription for these medications.
If you’re taking these meds, you still have a better chance of getting a burial insurance plan if you can prove that you haven’t had any trouble with taking the medication. You can still be eligible for burial insurance with cerebral palsy.
It is much better to have a more intensive treatment plan than a lighter plan that you haven’t followed to control your situation.
WHAT OPTIONS WILL THE INSURANCE COMPANY OFFER ME?
The outcome of a burial insurance application depends on the insurance carrier you apply with. There are four possible offers you can possibly receive:
#1 – They will accept your application with no penalties
There are burial insurance companies that are perfectly fine with you having cerebral palsy. They will accept you and charge you the same rate as someone without this condition.
If these companies accept you, you will have immediate coverage with the lowest rate possible. Hopefully, you don’t have other health issues that will prevent you from qualifying with one of these companies.
#2 – They will offer you a modified plan
A modified plan comes with a full two-year waiting period, and the company will charge you anywhere from 30-100% more money. If you pass away within the first two years of the policy, the company will refund all your premiums paid plus interest typically 10%.
There is no reason to accept this kind of plan because it is often far cheaper to go with a guaranteed acceptance burial insurance policy. It would also come with a waiting period, but it would be cheaper. You would only pay 15-40% more which is more affordable.
#3 – They will offer you a graded plan
This offer typically cost like 15-50% more, but they come with immediate protection. Graded plans usually payout 30-40% of the benefit if death happens during the first year. Then they will payout 70-80% of the benefit if death occurs during the second year of the policy.
After the two-year waiting period, your beneficiaries will receive 100% of the death benefit.
#4 – They will decline your application
Some companies will decline you outright due to cerebral palsy. Although, uncommon some carriers don’t want to accept cerebral palsy applicants. To them, you’re a high risk they don’t want to take on.
If you’re declined there are still many companies that will offer you a guarantees issue burial policy. Just call us and we can help you understand your options.
OTHER THINGS THE LIFE INSURANCE COMPANIES CONSIDER
There are other things that the burial insurance companies consider when you have cerebral palsy including:
#1 – Home healthcare
If you are a cerebral palsy patient and receiving home health care, you would be ineligible for a policy from many different insurance companies. But, there is one company that is perfectly fine with a patient receiving home health care.
However, if you are placed in a graded category, they will charge you with a higher monthly premium. There is also a mandatory two-year waiting period.
Your benefit is limited for the first two years. The company would payout 30% of the death benefit if you die during the first year, and they will pay 70% if you die during the second year.
If you have cerebral palsy and receiving home health care, this is your best way to secure any sort of immediate protection
#2 – Assistance with daily activities of living
There is only one company that will accept you if you need help with daily activities of living such as bathing, dressing, eating, drinking meds or toileting. The best burial insurance you can get is a graded plan.
Just like the case with home health care, if you need assistance with the activities of daily living and have cerebral palsy, this is the best way to get protection from day one.
#3 – Wheelchair Usage
Every burial insurance company asks about wheelchair use on their health questionnaire. If you are 100% confined to a wheelchair due to cerebral palsy, you will be ineligible for coverage with all non-medical policies.
If you have cerebral palsy and using a wheelchair 100% of the time, the only way to get a policy would be to take out guaranteed acceptance insurance policies. These have no medical exam or health questions and they do cost more and come with a two-year waiting period.
#4 – Seizures
You may have seizures if you have cerebral palsy. You will find some burial insurance applications asking about seizures. If they ask about the seizure and you are experiencing it, you should definitely say yes to the seizure question.
Each insurance company treats seizure differently so you should ask a knowledgeable agent about the differences between companies.
OPTIONS FOR BURIAL INSURANCE WITH CEREBRAL PALSY
If you have cerebral palsy and you are high functioning, you have the opportunity to apply for burial insurance with no health questions.
You would have to display excellent physical ability with no other health condition that may preclude you from getting burial insurance. Your rates will be lower compared with guaranteed acceptance policy, and you will have immediate protection.
If you had been declined in the past due to your condition, a guaranteed acceptance policy is going to be your only option.
Your application for cerebral palsy life insurance will be approved regardless of your health condition. You only need to be aware that your premium will be slightly higher and there is a two-year waiting period with a guaranteed acceptance policy.
HOW TO GET THE BEST BURIAL INSURANCE RATES WITH CEREBRAL PALSY
To find the best burial insurance rates with cerebral palsy, it’s essential to work with an experienced independent burial insurance agency like Funeral Funds that represents many top-rated insurance companies. We can compare quotes from different burial insurance companies in your state to see which one offers the best rate and covers you immediately.
As you can see, there are different things to consider with your condition. The best way to get your life insurance application approved is to have an insurance carrier that views your cerebral palsy the best. We will match you with the company that treats cerebral palsy the same as people who don’t have it.
HOW CAN WE HELP YOU?
Trying to find a policy if you have cerebral palsy can be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have cerebral palsy, let us help you; we will work with you side by side to find a plan that fits your needs.
You don’t need to waste your precious time searching for different insurance companies; we will do the work for you. We can shop your case to different companies to get your application approved.
Here at Funeral Funds, we specialize in obtaining life insurance coverage for people with burial insurance with a history of cerebral palsy.
We work with many A-rated insurance companies that specialize in high-risk clients. We will search those companies to give you the best rate ever. We’ll match you up with your best burial insurance option.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for burial insurance with cerebral palsy, 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.