Burial Insurance for the Blind

Burial Insurance for the Blind

Affordable 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?


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 you answer no to the health questions asked by the insurance company. The insurance company will not care about your blindness.

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.

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.

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.

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.

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.

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.

  1. Eating
  2. Bathing
  3. Dressing
  4. Toileting
  5. Transferring
  6. Continence

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.

Guaranteed issue life insurance will be your best choice if you need help with ADL’s.

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. 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.

Best Option: Guaranteed issue burial insurance


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 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, 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 BLIND

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 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.

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.


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$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


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 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


BURIAL INSURANCE FOR FAMILY MEMBER

In most cases, it is often the family members of those who are 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.

Burial insurance for the blind can be taken out by the family for their loved ones so that when they pass away, there will be some financial assistance in place.


REQUIREMENTS TO GET BURIAL INSURANCE FOR A FAMILY MEMBER WHO IS BLIND

INSURABLE INTEREST

You need to prove that there is 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 on 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 are required to 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 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 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 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.

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 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 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.

RELATED POSTS:


Call Now ButtonCALL NOW (888) 862-9456