Affordable burial insurance for the blind is easier to get than you think. Most blind people can qualify for burial insurance or final expense insurance to protect their families in the future. We can help you buy the most affordable life insurance from A-rated companies, whether you are blind or have other health conditions.
There are insurance companies that offer the lowest rates and first-day coverage with no waiting period for anyone who’s blind.
You don’t need to take a medical exam or physical to qualify. Additionally, we can do the whole application process over the phone.
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:
- Burial Insurance and Blindness
- Factors That May Affect Insurance Eligibility
- Burial Insurance For The Blind: Underwriting
- Burial Insurance For The Blind: Your Options
- What If You’re Declined For Coverage Due To Blindness?
- How Can Funeral Funds Help Me?
BURIAL INSURANCE AND BLINDNESS
Sometimes we receive phone calls asking, “Can I buy final expense insurance for someone who’s blind? Or Can I buy burial insurance if I’m blind?
The truth is, 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. The great news is that most companies don’t even care about blindness, and you will have the same premium as someone who can see.
If you are blind, we can help you find the most affordable burial insurance for the blind available. We will match you with the most blindness-friendly life insurance company offering the best rates.
FACTORS THAT MAY AFFECT INSURANCE ELIGIBILITY
Some causes of blindness may impact the overall chances of getting the best rate. If you become blind because of an accident, insurers would look at you differently than if your blindness is caused by diabetic retinopathy.
Cause of blindness the Insurers are skeptical of:
- Uncontrolled diabetes
- Head injuries
- 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.
The 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 (more on that in a bit).
OTHER FACTORS THAT MAY AFFECT ELIGIBILITY:
Simplified issue life insurance without a medical exam is are the easiest plans to qualify for. These plans will pay for burial, cremation, or final expenses. These plans only ask a few health questions to qualify.
There are two common questions you will likely encounter on these applications regarding blindness:
1. Do you require home health care?
2. Do you need assistance with any activities of daily living?
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. There are only a few companies that 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.
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.
There are six ADLs used by life insurance companies 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 have no effect on 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.
Gauaranteed issue life insurance will be your best choice if you need help with ADL’s.
BURIAL INSURANCE FOR THE BLIND: UNDERWRITING
If you want to get the lowest priced insurance coverage, go for a company that asks some health questions (this is called underwriting). Underwriting is a process that the 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. To verify your answer to the health questions, the insurer will also perform a prescription history check and Medical Information Bureau check.
Some insurance companies offer insurance policies with no underwriting. This plan should be your last option because it comes with a higher premium and a waiting period.
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 like diabetes, stroke, or heart attack.
BURIAL INSURANCE FOR THE BLIND: YOUR OPTIONS
LEVEL DEATH BENEFIT
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 you answer no to the health questions asked by the insurance company. The insurance company will not care about your blindness.
If you are blind, and if you have no chronic illness, and if you can do the activities of daily living on your own, you can easily qualify for this plan.
You will be 100% covered from the first day, and you will have no waiting period. Your beneficiary would receive your full death benefit payout when you pass away for any reason.
BENEFITS OF A LEVEL DEATH BENEFIT PLAN:
- No medical exam. You can easily get coverage by answering some health questions.
- You can quickly get coverage within 15 minutes to a few days compared to months with traditional life insurance.
- Your full death benefit is available immediately upon issuance of the policy. If you die a day after your policy is in force, your beneficiaries will receive a 100% death benefit.
- Less expensive than a guaranteed issue burial insurance policy.
GUARANTEED ISSUE BURIAL INSURANCE
If you’re blind and you require home health care or need help in performing any activities of daily living with a significant health condition, you will qualify for guaranteed issue burial insurance.
Guaranteed issue whole life insurance doesn’t ask any health questions at all 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.
Guaranteed acceptance policy is graded policy 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.
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 we can shop for you to find the most affordable burial insurance that you deserve.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy if you are blind needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of blindness, let us help you; we will work with you side by side to find a plan that fits your needs.
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 anymore searching for multiple insurance companies because we will do the dirty work for you.
We will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will 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, or 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.
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