2024 Burial Insurance for the Blind
last updated on March 25, 2024Affordable burial insurance for the blind is easier to get than you think. Most blind people or visually impaired can qualify for burial insurance or final expense insurance to protect their families in the future.
Blindness on its own is a non-issue with most final expense insurance companies. You will rarely see it asked in the application health questions unless it is disease-related.
In this article, we’re going to explore everything you will encounter when buying burial insurance for the blind. We will also cover how insurance companies respond to blindness and how to find the best insurance policy.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I’m Blind?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I’m Blind, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Are Blind
- How Much Insurance Do I Need If I’m Blind?
- How Should I Pay My Premiums?
- Blindness and Burial Insurance Riders
- Burial Insurance for Family Members
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance for the Blind
- What If You’re Declined for Coverage Due to Blindness?
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance For The Blind
What Is My Best Insurance Option If I’m Blind?
BLINDNESS DUE TO AN ACCIDENT
If you’re blind due to an accident, you are independent and can do activities of daily living on your own, you have better options, and you will qualify for a level death benefit plan with first-day coverage.
Level death benefit plans come with first-day coverage. It will be offered to you if blindness is your only issue. You are independent and generally healthy or answer no to the health questions the insurance company asks. The insurance company will not care about your blindness.
You will be 100% covered from the first day and have no waiting period. Your beneficiary would receive your full death benefit payout when you pass away for any reason.
Best Option: Level death benefit plan with first-day coverage
BLINDNESS DUE TO AN ILLNESS
Cause of blindness the Insurers are cautious of:
- Uncontrolled diabetes
- Stroke
- Head injuries
- Glaucoma
- Head trauma
- Cranial hemorrhaging
- Uncontrolled hypertension
Depending on the cause of blindness, blind applicants may have some issues because blindness can be a complication of other serious diseases.
Insurance companies will often consider the cause of your blindness. If your cause of blindness will likely reduce your life expectancy, you will still have the option of purchasing guaranteed issue life insurance.
Guaranteed issue whole life insurance doesn’t ask any health questions, and you will easily qualify regardless of your medical condition.
While it cost a little more than the first-day coverage plan, you don’t have to worry about the possibility of being denied insurance coverage due to health issues.
If you are 50 to 85 years old, a U.S. citizen who can enter into a legal contract, you will be eligible for this policy.
A guaranteed acceptance policy is graded for the first two years for natural causes of death. The insurance company will only pay the full death benefit if you die from an accident during the first two years.
If you pass away due to an illness during the two-year waiting period, the insurance company will pay your beneficiary with all the premiums you’ve paid plus 10% interest.
When the two-year waiting period is over, you are fully covered, and your beneficiaries will receive the full death benefit payout if you die for any reason.
Best Option: Guaranteed issue burial insurance
ACTIVITIES OF DAILY LIVING
Blindness can affect your mobility and may require you to need help with the activities of daily living.
Almost all life insurance companies with underwriting (health questions) ask about activities of daily living on their life insurance application.
Life insurance companies use six ADLs to determine if you will qualify for the first-day coverage plan.
You must be able to do these activities on your own to be eligible for the best rate.
If you can do these activities independently, then your blindness will not affect your final expense insurance eligibility (and you will qualify for the lowest pricing).
Needing assistance from somebody else to do any activities of daily living will significantly affect your ability to qualify for the lowest-priced burial insurance policy. Understand that your options are limited if you need help with ADL’s.
Guaranteed issue life insurance will be your best choice if you need help with ADLs.
Best Option: Guaranteed issue burial insurance
HOME HEALTH CARE
It’s very common for blind people to require home health care. Every burial insurance company will specifically ask about home health care. Only a few companies don’t ask about home health care.
If you currently need home health care because of blindness, and you have some chronic illness, it would be best to apply for a guaranteed acceptance burial insurance policy.
Best Option: Guaranteed issue burial insurance
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’m Blind, 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 the blind.
When you apply for burial insurance, you only have to answer some 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 Are Blind
If you want the lowest-priced insurance coverage, go for a company that asks some health questions (underwriting). Underwriting is a process insurance companies use to evaluate your risk of death and insurability.
Simply put, burial insurance companies with underwriting ask a few health questions on the application. The insurer will also perform a prescription history check to verify your answer to the health questions.
Some insurance companies offer insurance policies with no underwriting. This plan should be your last option because it has a higher premium and a waiting period.
HEALTH QUESTIONS
If you choose a company that uses medical underwriting, you cannot avoid answering a few health questions.
Fortunately, none of the insurance companies we use ask about non-disease-related blindness in their health questionnaire. Yes, you read it right; they never ask about it.
If they don’t ask about it, they don’t care about it, and you will qualify for the lowest rates!
Blindness as a standalone condition is never an issue. It will only be an issue if blindness is paired with some chronic illnesses, you need home health care, or you need help with activities of daily living.
How Much Insurance Do I Need If I’m Blind?
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.
Blindness 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 |
Burial Insurance For Family Members
In most cases, it is often the family members of the blind who are looking to get a life insurance policy for their loved ones.
Most of the time, the family members are just looking for a policy to cover final expenses.
The family can take out burial insurance for the blind for their loved ones so that there will be some financial assistance when they pass away.
REQUIREMENTS TO GET BURIAL INSURANCE FOR A FAMILY MEMBER WHO IS BLIND
INSURABLE INTEREST
You need to prove an insurable interest between your family members who need insurance coverage. Your relationship with the proposed insured is critical in showing that you have an insurable interest. A blood relationship may provide the basis for insurable interest. Insurable interest exists if you will experience financial loss when they die.
You have an insurable interest if you would suffer a financial loss or certain other kinds of loss if your blind loved one dies. In most cases, you can get life insurance coverage for your loved ones to cover that loss.
CONSENT
The second requirement for getting life insurance for your family member who is blind is consent. Life insurance companies do not allow family members to get life insurance on one another without their permission.
Your blind loved one must be aware of the policy because they must sign the application.
If you have a family member with this condition, call us so we can help you understand your options.
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 is 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 For The Blind
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan for the blind
- Cremation insurance plan for the blind
- Funeral home insurance plan for the blind
- Final Expense insurance plan for the blind
- Prepaid funeral plan insurance for the blind
- Mortgage payment protection plan for the blind
- Mortgage payoff life insurance plan for the blind
- Deceased spouse’s income replacement plan for the blind
- Legacy insurance gift plan to family or loved ones for the blind
- Medical or doctor bill life insurance plan for the blind
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.
What If You’re Declined For Coverage Due To Blindness?
If you have been denied life insurance coverage due to blindness in the past, we can help you get affordable coverage.
We represent many different life insurance companies and can shop for you to find the most affordable burial insurance you deserve.
How Can Funeral Funds Help Me?
Finding a policy if you are blind 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 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 because we will do the work for you.
We work with many A+ rated insurance carriers that specialize 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 funeral insurance for the blind, burial insurance for the blind, or life insurance for the blind.
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 For The Blind
Can I get life insurance if I am blind?
Yes, you can get life insurance if you are blind. Depending on your needs and financial situation, a few different types of policies might be available. For example, you may want to consider a policy that does not require a medical exam. Alternatively, some insurers offer special riders or features to help make life insurance more affordable for people with vision impairments. Speak with a qualified life insurance agent to learn more about your options.
Can you get life insurance while on disability?
Yes, you can get life insurance while on disability. You may want to consider a policy that does not require a medical exam.
What is the cost of burial insurance for a blind person?
The cost of burial insurance for a blind person will depend on several factors, including the person’s age, health, and coverage amount. Generally speaking. However, burial insurance policies are relatively affordable.
Is there a waiting period for burial insurance for a blind person?
The only time a blind person will have a waiting period in life insurance is when their blindness is caused by a disease and they cannot perform activities of daily living on their own.
Are there any life insurance options for people who are permanently disabled?
Yes, there are life insurance options for people who are permanently disabled. Speak with a life insurance agent or broker to learn more about your options.
What is the difference between life insurance and blind disability insurance?
Life insurance pays a death benefit to your beneficiaries if you die. Disability insurance pays a monthly benefit to you if you become disabled and cannot work.
Can I get life insurance if I am receiving disability benefits?
Yes, you can get life insurance if you are receiving disability benefits.
What happens when a blind person dies?
When a blind person dies, their beneficiaries will receive the death benefit from their life insurance policy. The beneficiary can use the money to cover funeral costs
Why life and disability insurance is needed by the blind?
Life and disability insurance is often needed by the blind because they are unable to work and earn an income. This type of insurance can help to protect their loved ones financially in the event of their death or disability.
When should I get life insurance if I’m blind?
You should get life insurance as soon as possible if you’re blind. This is because the premiums for a life insurance policy are based on your age and health, and both of these factors will increase over time.
Is it hard to get life insurance if you are blind?
No, it is not hard to get life insurance if you are blind. A few different types of policies might be available to you, depending on your needs and financial situation. You may want to consider a policy that does not require a medical exam.
Are life insurance and disability insurance the same?
No, life insurance and disability insurance are not the same. Life insurance pays a death benefit to your beneficiaries if you die. Disability insurance pays a monthly benefit to you if you become disabled and cannot work.
What conditions qualify for blindness?
A few different conditions can cause blindness, including glaucoma, cataracts, and macular degeneration.
Can I get disability insurance if I have an existing life insurance policy?
Yes, you can get disability insurance if you have an existing life insurance policy.
Can I get life insurance if I am receiving social security?
Yes, you can get life insurance if you are receiving social security.
What is a disability income rider?
A disability income rider is an add-on to a life insurance policy that provides a monthly benefit if you become disabled and cannot work.
What is the waiting period for a blind person?
The only time a blind person will have a waiting period in life insurance is when their blindness is caused by a disease, and they cannot perform activities of daily living on their own. In this case, they will only qualify for guaranteed issue life insurance with a two-year waiting period.
Is blindness approved for disability?
Yes, blindness is approved for disability. If you are blind, you may be eligible for social security disability benefits.
Does burial insurance affect SSI benefits?
No, burial insurance does not affect SSI benefits.
Can I get life insurance if I am on SSI?
Yes, you can get life insurance if you are on SSI, and you should look for a policy that does not require a medical exam.
What happens to life insurance when you go on disability?
When you go on disability, your life insurance policy will still be in force.
Does life insurance affect Social Security disability benefits?
No, life insurance does not affect Social Security disability benefits.
Why life and disability insurance is needed by the blind?
Life and disability insurance is often needed by the blind because they are unable to work and earn an income. This type of insurance can help to protect their loved ones financially in the event of their death or disability.
Is it hard to get approved for life insurance for a blind person?
No, it is not hard to get approved for life insurance if you are blind if you can find a qualified life insurance agent.
What happens when a person on disability dies?
If a person on disability dies, their life insurance policy will pay out a death benefit to their beneficiaries.
What is the best life insurance for a blind person?
The best life insurance for blind people will depend on their needs and financial situation. It is wise to consider a policy that does not require a medical exam.
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