2024 Burial Insurance with Cerebral Palsy
last updated on March 26, 2024Getting 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 will 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Cerebral Palsy, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Cerebral Palsy
- How Much Insurance Do I Need If I Have Cerebral Palsy?
- How Should I Pay My Premiums?
- Cerebral Palsy and Burial Insurance Riders
- Information We Need if You Have Cerebral Palsy
- How to Get the Best Burial Insurance Rates with Cerebral Palsy
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Cerebral Palsy
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Cerebral Palsy
What Is My Best Insurance Option If I Have A History Of Cerebral Palsy?
You may qualify for a level death benefit plan if you have cerebral palsy and have not been treated in the last two years.
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 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. If you die during the waiting period, your beneficiaries will receive the premiums 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 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, 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 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 AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| 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 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 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 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 diseases including multiple sclerosis, epilepsy, and cerebral palsy?
If you have any of these types of cerebral palsy:
- Athetoid
- Spastic
- Ataxic
- 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 typically flagged for cerebral palsy. If you are on these, most companies will consider you 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 patient’s specific medical and lifestyle needs.
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 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.
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 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-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included 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 as much information as possible.
We will ask you a series of health questions to better understand your condition. These questions include:
- When were you diagnosed with cerebral palsy?
- Have you been diagnosed with any other medical conditions besides your cerebral palsy?
- Do you have other neurological conditions?
- Do you have seizures?
- Are you currently taking prescription medications?
- Do you need assistance with daily living activities (eating, dressing, bathing, toileting, and taking medication)?
- Are you using a wheelchair?
We need to know your medical condition 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, which 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, your condition has different things to consider. 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 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 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?
Finding a policy if you have cerebral palsy can be frustrating, 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.
Additional Questions & Answers On Burial Insurance With Cerebral Palsy
Can you get burial insurance if you have cerebral palsy?
Yes, you can get burial insurance if you have cerebral palsy. Many insurers offer policies to people with this condition. In addition, there are also many different types of policies available, so you should be able to find one that fits your needs and budget.
Is cerebral palsy a critical illness?
No, cerebral palsy is not a critical illness. However, it is a condition that can lead to serious health problems and may require long-term care.
How much does cerebral palsy insurance cost?
The cost of cerebral palsy insurance varies depending on the insurer, the policy, and the age and health of the person applying for coverage. However, in general, the premiums will be relatively affordable.
What is the life expectancy of someone with cerebral palsy?
The life expectancy of someone with cerebral palsy depends on the severity of the condition. People with milder forms of the condition generally have a normal life expectancy, while those with more severe forms may have a shorter life span.
How does cerebral palsy affect life insurance?
Cerebral palsy does not typically affect life insurance. However, if the condition is severe, it may be considered a pre-existing condition, which could affect your ability to get coverage.
Can a person with cerebral palsy get life insurance?
Yes, a person with cerebral palsy can get life insurance. You may even qualify for a first-day coverage plan if you have not been treated in the last two years
Do you have to be disabled to get burial insurance with cerebral palsy?
No, you do not have to be disabled to get burial insurance with cerebral palsy.
Can cerebral palsy considered critical illness in life insurance?
Cerebral palsy is not typically considered a critical illness in life insurance.
Can you get first-day coverage insurance if you have cerebral palsy?
Yes, you can get first-day coverage insurance if you have cerebral palsy. Many insurers offer this type of policy to people with pre-existing conditions.
Can I qualify for cremation insurance with cerebral palsy?
Yes, you can qualify for cremation insurance with cerebral palsy. Many insurers offer policies to people with this condition. In addition, there are also many different types of policies available, so you should be able to find one that fits your needs and budget.
Do I need to tell insurance about cerebral palsy?
Yes, you will need to tell your insurance company about your cerebral palsy diagnosis when you apply for coverage. This is because it is a pre-existing condition that could affect your ability to get coverage.
What happens if I don’t disclose my cerebral palsy to my insurer?
If you do not disclose your cerebral palsy to your insurer, you may be denied coverage, or your policy could be voided. This is because it is a pre-existing condition that could affect your ability to get coverage.
Can I get cremation insurance if I have had cerebral palsy for years?
Yes, you can get insurance if you have had cerebral palsy for years. Many insurers offer policies to people with this condition. In addition, there are also many different types of policies available, so you should be able to find one that fits your needs and budget.
What is my best insurance option if I have cerebral palsy and use a wheelchair?
If you use a wheelchair at home, your best insurance option is to get a guaranteed issue life insurance.
What are the things that may affect my eligibility if I have cerebral palsy?
If you have cerebral palsy, your eligibility will be affected if you need help with daily living activities, use a wheelchair, or need home health care.
What is the best insurance option for people with cerebral palsy?
A first-day coverage plan is your “best” insurance option if you have cerebral palsy.
Is cerebral palsy a pre-existing condition for life insurance?
Cerebral palsy is typically considered a pre-existing condition for life insurance which could affect your ability to get coverage.
Do I need to take a medical exam if I have cerebral palsy?
No, you do not need to take a medical exam if you have cerebral palsy.
Can you be denied insurance for cerebral palsy?
Yes, you can be denied insurance for cerebral palsy. This is because it is a pre-existing condition that could affect your ability to get coverage.
If I have cerebral palsy, will my family be able to get life insurance?
Yes, your family will be able to get life insurance if you have cerebral palsy. This is because it is not a genetic condition.
Is cerebral palsy a disability?
Cerebral palsy is a disability, but it is not always severe.
What disability category is cerebral palsy?
Cerebral palsy is a disability that falls under the category of Musculoskeletal.
Can I get insurance if I am not disabled but have cerebral palsy?
Yes, you can get insurance if you are not disabled but have cerebral palsy. Many insurers offer policies to people with this condition.
Can cerebral palsy patients get final expense insurance?
Yes, cerebral palsy patients can often get final expense insurance. This is a policy that helps pay for your funeral expenses.
What is the best way to find insurance if I have cerebral palsy?
Using an insurance broker is the best way to find insurance if you have cerebral palsy. This person can help you find the best policy for your needs.
What is the average cost of life insurance for someone with cerebral palsy?
The average cost of life insurance for someone with cerebral palsy varies by your age and the coverage amount needed.
Can cerebral palsy affect life insurance?
Yes, cerebral palsy can affect life insurance. This is because it is a pre-existing condition that could affect your ability to get coverage.
Can you be rejected for life insurance because of cerebral palsy?
Yes, you can be rejected for life insurance because of cerebral palsy. This is because it is a pre-existing condition that could affect your ability to get coverage.
Can cerebral palsy affect your life insurance rates?
Yes, cerebral palsy can affect your life insurance rates. This is because it is a pre-existing condition that could affect your ability to get coverage.
Is there an age limit for burial insurance with cerebral palsy?
If you are 18-85 years old, you can apply for burial insurance even if you have cerebral palsy.
How can you get the best life insurance rates with cerebral palsy?
The best way to get the best life insurance rates with cerebral palsy is to use an insurance broker. This person can help you find the best policy for your needs.
What are some things to consider when looking for life insurance if you have cerebral palsy?
- You will likely need to use an insurance broker to find the best policy for your needs
- Cerebral palsy is a pre-existing condition that could affect your ability to get coverage
- Your life insurance rates will likely be affected by your condition
- You may be able to get final expense insurance if you have cerebral palsy
Can cerebral palsy medication affect my premium?
Cerebral palsy medication can affect your premium, as it is a pre-existing condition that could affect your ability to get coverage.
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