Burial Insurance for Overweight and Obese People

Burial insurance for overweight and obese people

Burial insurance for overweight and obese people is possible to get. However, most final expense life companies do have “build charts” that identify what height and weights for applicants that they will accept.

There are some insurance companies that will offer excellent rates for overweight and obese people. When it comes to being on the heavier side, knowing which companies don’t ask about height and weight will allow you to get approved for the best plan.

This article will explore how you can qualify for burial insurance if you’re overweight or obese. We will show you what options are available for you.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I’M OVERWEIGHT OR OBESE?

People who are overweight or obese can qualify for level death benefit coverage. Being overweight is often not a life-threatening situation. If you answer no to all the questions on the health questionnaire, most funeral insurance companies will approve your application regardless of your weight.

You will have first-day coverage with a level death benefit plan, and your life insurance payout will be the same for the life of the policy.

Your insurance premium will never increase even with advancing age or worsening health conditions. Your beneficiaries will receive your 100% death benefit payout when you pass away.

If you’re overweight but generally healthy and have no issues with mobility or activities of daily living, you can be eligible for level death benefit with a first-day coverage plan. This plan also has the lowest premium.

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


ACTIVITIES OF DAILY LIVING OR MORBIDLY OBESE

One factor that may affect your burial insurance eligibility is if you’re morbidly obese and have mobility issues. If you’re too heavy and you need help in doing any activities of daily living on your own, you may not qualify for the best plan with the best rate, but you still have other options.

There are six activities of daily living or self-care used by the insurance companies to measure your mobility and functionality to determine if you will qualify for first-day coverage.

  1. Eating – feeding yourself using utensils, feeding tube or intravenously
  2. Bathing – washing your body and getting in or out of the bathtub or shower safely
  3. Dressing – means putting on and taking off clothing, fasteners, braces, and prosthesis
  4. Toileting – is getting on and off the toilet and performing necessary personal hygiene
  5. Transferring – moving in and out of bed, chair or wheelchair
  6. Continence – controlling the bladder and bowel functions

If you are obese and you need help with these activities of daily living, you will not qualify for first-day coverage even if the company does not have a build chart.

The best burial insurance option for overweight or obese people is to take a guaranteed issue, no health questions life insurance policy.

If you’re a U.S. citizen or a permanent resident, you can enter into a legal contract, your application for coverage will be approved. You will get immediate coverage for accidental death.

Guaranteed issue whole life insurance has a two-year graded benefit for a natural or disease-related cause of death.

If you die during the waiting period or the first two years, your beneficiary will receive all premium paid plus 10% interest. After the two-year waiting period, you are fully covered for any cause of death.

Best Option: Guaranteed issue burial insurance


OTHER MEDICAL CONDITIONS DUE TO OBESITY

Overweight and obese individuals are not automatically disqualified from getting affordable burial insurance coverage based on their weight but may be disqualified for a first-day coverage plan because of other medical issues related to their weight.

If you suffer from medical conditions like diabetic amputation, heart disease, or stroke as a consequence of your weight, you can qualify for guaranteed issue burial insurance.

A guaranteed issue life insurance plan will not ask about height and weight, nor will it ask for any health questions at all on the application.

Many insurance companies offer guaranteed issue burial insurance for overweight and obese people with severe medical issues. The only difference is the amount they charge. We will point you to the right insurer if you need to take this route.

Best Option: Guaranteed issue burial insurance


LIFE INSURANCE AND BUILD CHARTS

A build chart is a table that serves as a guideline in the minimum and maximum weight per height that insurance companies will accept.

Any insurance company that has a build chart has a question on their application form where you need to provide your height and weight.

Every life insurance provider has its own build chart; some life insurance companies have more lenient build charts than other companies. And, companies don’t even have build charts at all.

Being 20-40 pounds overweight will not prevent you from qualifying for the best rate class. In fact, most companies even provide additional weight allowances for men and women applying for coverage after the age of 60.

If you are significantly overweight, it is essential you apply to a company that does not ask about your height and weight. If being overweight is your only issue, you can still qualify for the best rates, even if you are morbidly obese.

Every insurance company has its own build chart requirements, so it’s important to work with an independent life insurance agency that knows which companies do not have a build chart and will offer you the lowest rate even if you are overweight or obese.


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 $30,000 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 PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES
FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
Coverage Up To Age 121 Yes


IF I’M OVERWEIGHT OR OBESE, 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 for overweight or obese.

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 ARE OVERWEIGHT OR OBESE

The purpose of underwriting in life insurance is to determine your level of risk.

Burial insurance companies have two ways of underwriting:

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

SECOND – They will electronically review your prescription history to verify your health.

Underwriting for burial insurance is different from traditional life insurance.

With traditional term life or permanent life insurance, the company wants to know your weight because your weight can indicate your overall health. With burial insurance for overweight and obese people, the underwriting is different.

Some companies will ask about your height and weight, and some insurance companies don’t even ask if you are overweight or morbidly obese.


OBESITY AND ITS EFFECT ON LIFE INSURANCE

Life insurance companies care about obesity because obesity is associated with health complications, and it can predispose you to many ailments and diseases.

According to the Center for Disease Control and Prevention (CDC), being overweight increases your mortality risk for:

  • Heart disease
  • Stroke
  • Diabetes
  • Cancer
  • High blood pressure
  • High cholesterol
  • Kidney disease
  • Liver disease
  • Osteoarthritis
  • Sleep apnea

If you have any past or current health problems as a result of obesity, the life insurance companies will want to know about it before approving your application.


HOW MUCH INSURANCE DO I NEED IF I’M OVERWEIGHT OR OBESE?

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


OVERWEIGHT OR OBESE 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


NEVER PUT OFF BUYING BURIAL INSURANCE UNTIL YOU REACH YOUR IDEAL WEIGHT

Many people postpone buying life insurance because they plan on losing weight to get better rates. However, after many weeks and months, they haven’t lost weight at all, and they remain uninsured.

One of the worst decisions you can do is to put off buying life insurance while waiting to lose weight to get a better premium.

Waiting around without life insurance is unwise because we never know what will happen tomorrow. If you put off buying insurance until you reach your ideal weight and you pass away, your family would be left with nothing.

If you need life insurance, you are not sure that you will lose weight, buy life insurance now, and pay a higher premium if necessary. Upon reaching your ideal weight, you can apply again to get better premiums. Or, the best thing you can do is to apply for a company that does not even ask about your weight.

Work with an independent agency like Funeral Funds that can point you to the life insurance companies that do not use a build chart. These companies will not ask about your weight because they don’t care if you are overweight, obese, or morbidly obese.

Don’t take the risk of living without insurance because of your weight. We can help you qualify for first-day coverage with the best rates.


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 FOR OVERWEIGHT OR OBESE

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

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

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 are overweight or obese needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.

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 searching for multiple insurance companies anymore because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies and 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 overweight funeral insurance, or overweight burial insurance, or overweight life insurance, fill out our quote form to get an accurate quote.

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