Burial Insurance with Cerebral Palsy

Trying to secure burial insurance with cerebral palsy isn’t as difficult as you might think. This is because having a history of cerebral palsy will not prevent you from being approved for coverage at an affordable rate.

The greatest advantage of this insurance is that it comes with immediate first day benefits. You will also qualify for the lowest rates.

We routinely help people with cerebral palsy secure affordable burial insurance. In this article, we are going to explore burial insurance with cerebral palsy to show you how to get the best burial insurance plan at the best rate.

FOR EASIER NAVIGATION:

WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF CEREBRAL PALSY?

If you have cerebral palsy and have not been treated in the last two years, you may qualify for a level death benefit plan.

Best Option: Level death benefit plan with first-day coverage

You will be covered from the first day and your beneficiary will receive 100% of the death benefit when you pass away.


THINGS THAT MAY AFFECT ELIGIBILITY IF YOU HAVE CEREBRAL PALSY

#1 – Home Healthcare

If you are a cerebral palsy patient and currently receiving home health care, your best insurance option is a guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance

Guaranteed issue burial insurance is a no-questions-asked life insurance policy. There is no exam, no underwriting, and no health questions.

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.


#2 – Assistance With Daily Activities Of Living

Every life insurance company asks about activities of daily living in their health questionnaire. If you cannot perform eating, bathing, dressing, toileting, transferring, and continence on your own because of cerebral palsy, your best option for insurance coverage is a guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance

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.


#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, 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.

Best Option: Guaranteed issue burial insurance


#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 have experienced seizures in the past, you should definitely say yes to the seizure question.

Best Option: First-day benefits

Each insurance company treats seizures differently so you should ask a knowledgeable agent about the differences between companies.


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 CEREBRAL PALSY, 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 with cerebral palsy.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and 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 CEREBRAL PALSY

Burial insurance companies have two ways of underwriting.

FIRST – They ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history. Your cerebral palsy medications will give them a clear picture of your current and past medical treatments.


HEALTH QUESTIONS:

Here are some examples of how burial companies ask about cerebral palsy in their health questions:

  • Within the past 24 months have you been diagnosed or treated for any neuromuscular disease, cerebral palsy, multiple sclerosis, or Parkinson’s disease?
  • Have you ever had, or been diagnosed with, or received treatment or medication for cerebral palsy or any neuromuscular disease?
  • During the past 24 months have you been treated for neuromuscular disease including multiple sclerosis, epilepsy, and cerebral palsy?

If you have any of these types of cerebral palsy:

  1. Athetoid
  2. Spastic
  3. Ataxic
  4. Mixed

You need to answer “yes” to the cerebral palsy health question.


PRESCRIPTION HISTORY CHECK

In addition to the health questions, insurance companies will also review 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.

Anticonvulsants

  • 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)

Anticholinergics

  • Benztropine mesylate
  • Carbidopa-levodopa (Sinemet)
  • Glycopyrrolate (Robinul)
  • Procyclidine hydrochloride (Kemadrin)
  • Trihexyphenidyl hydrochloride

Muscle relaxants

  • Baclofen
  • 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.

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.

If you’re taking any of 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.


HOW MUCH INSURANCE DO I NEED IF I HAVE CEREBRAL PALSY?

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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


CEREBRAL PALSY 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 other riders 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 CEREBRAL PALSY

When applying for final expense insurance with a palsy, it is important to provide us much information as possible.

We will ask you a series of health questions to get a better idea of your condition. These questions include:

  • When were you diagnosed with cerebral palsy?
  • Other than your cerebral palsy, have you been diagnosed with any other medical conditions?
  • 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?

We need to know your medical condition to be able to provide you with the best recommendation. The more information we get, the better your chances of finding affordable insurance coverage.


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.


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 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 as long as 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 CEREBRAL PALSY

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with cerebral palsy
  • Cremation insurance plan with cerebral palsy
  • Funeral home insurance plan with cerebral palsy
  • Final Expense insurance plan with cerebral palsy
  • Prepaid funeral plan insurance with cerebral palsy
  • Mortgage payment protection plan with cerebral palsy
  • Mortgage payoff life insurance plan with cerebral palsy
  • Deceased spouse’s income replacement plan with cerebral palsy
  • Legacy insurance gift plan to family or loved ones with cerebral palsy
  • Medical or doctor bill life insurance plan with cerebral palsy

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?

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.

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, funeral insurance with cerebral palsy, or final expense 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Cerebral Palsy Infographics

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