2024 Burial Insurance if You Need Help with Continence [Activities of Daily Living – ADLs]

Securing burial insurance if you need help with continence or any activities of daily living is possible. However, your options are very limited.


If you need help with ADL’s, the only plan you will qualify for is a guaranteed issue burial insurance with a 2-year waiting period.

You WILL NOT qualify for 1st-day coverage if you need help with ADLs.

In this article, we are going to discuss burial insurance if you need help with continence to know how to get the most affordable burial insurance plan.


What Is My Best Insurance Option If I Need Help With Continence?

Activities of daily living (ADL) such as continence, eating, bathing, dressing, toileting, and transferring are used by life insurance companies to assess the applicants’ function and independence:

Life insurance companies define continence as maintaining bladder and bowel control and performing personal hygiene tasks. It includes managing and caring for a catheter, ostomy, or urinary catheter collection bag and applying diapers or disposable barrier pads.

Suppose you cannot retain control of your bladder or bowel function and need assistance from another person to do the associated personal hygiene tasks. In that case, you are dependent on help for continence.

If you need help with continence, your best insurance option is guaranteed issue burial insurance.

Guaranteed Issue (GI) policies don’t require you to pass a medical exam or underwriting questions because your health is not considered qualified.

You could even have a terminal illness, yet the company will approve your application!

These policies have a death limitation for a natural cause of death during the first two years of the policy. The company will also pay a full death benefit if you die from an accident during the two-year waiting period.

If you die from illness, the insurance company will return all your premiums to your beneficiaries plus 10% interest. After the two-year waiting period, you are fully protected for life. At this point, the insurance company will pay the full death benefit to your beneficiaries if you die for any reason.

Best Option: Guaranteed issue burial insurance



If you are 50 to 85 years old and a U.S citizen, you will easily qualify for guaranteed issue burial insurance.


Not every insurance company has its insurance products licensed in every state. Ensure the company has guaranteed issue whole life insurance policy available in your state before applying.


You must also possess the mental capacity to enter into a legal contract to qualify for burial insurance.

How Does Needing Help With Continence Affect Life Insurance?

Needing help from another person with continence will significantly affect your ability to qualify for the best-priced insurance coverage, as continence is an important self-care activity you must do on your own.

Inability to control the bladder and bowel is associated with several medical problems such as:

  • Alzheimer’s disease
  • Arthritis
  • Cerebral palsy
  • Cystic Fibrosis
  • Dementia
  • Heart attack
  • Multiple Sclerosis
  • Muscular dystrophy
  • Paralysis
  • Parkinson’s disease
  • Stroke

Any of these medical conditions can cause incontinence and mobility limitations. In some cases, the inability to go to the toilet and do the necessary personal hygiene tasks may be due to forgetting the process because of cognitive impairment.

These medical conditions may cause an applicant to have incontinence and lose control of their bladder or bowel are the primary concern of the life insurance companies because they may cause premature death. Anything that causes premature death is considered high risk by insurance companies.

Therefore, they will need to pay more premiums and endure a waiting period.  No life insurance company will offer you a first-day coverage plan if you need help in performing ADL.

What Types Of Burial Insurance Should I Avoid?

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 $100,000 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?

1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES

If I Need Help With Continence, 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 if you need help with continence.

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 Need Help With Continence

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.


Common life insurance questions about continence and other ADL:

  • Do you need help performing daily living activities such as eating, bathing, dressing, transferring, toileting or continence?
  • Do you have any impairment, whether physical or mental, for which you need or receive assistance or supervision in performing normal activities of daily living such as dressing, eating, bathing, incontinence, toileting, or moving without any type of physical assistance?
  • Do you require a wheelchair due to chronic illness or disease, or do you require assistance from anyone with activities of daily living such as eating, bathing, dressing, toileting, transferring, or continence?

People with cognitive impairment can experience difficulties with continence. This condition can directly affect the bladder and bowel function and make the individual less aware of the need to go to the toilet.

Incontinence is the involuntary leakage of urine or feces, or both. Older people have a higher risk of incontinence.

In some cases, some medical conditions may cause incontinence in older people including:

  • Urinary Tract Infection
  • Constipation
  • Prostate Gland Trouble
  • Irritable bowel syndrome
  • Side effects of medications

Some people develop incontinence because messages between the brain and the bowel or bladder don’t work properly. They don’t recognize that they have a full bladder or bowel and have no control over the need to empty their bladder or bowel.

Because of old age, and physical or mental illness, some people need help with continence. People needing continence help may need long-term care at a nursing home or an assisted living facility.

Every life insurance company will ask if you need help with continence and activities of daily living. Suppose you answer “yes” to the ADL question. In that case, you will automatically be declined for life insurance except for guaranteed issue burial insurance which does not ask any health questions and will take you in regardless of your current situation.

How Much Insurance Do I Need If I Need Help With Continence?

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.

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
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Median Cost of a Funeral With Viewing and Burial$9,420
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
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.

Needing Help With Continence 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:

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

Why Do You Need Guaranteed Issue Burial Insurance If You Need Help With Continence?

We recommend buying guaranteed issue burial insurance if you need help with continence and other ADLs because it’s the best life insurance plan you will qualify for. If you are relatively healthy and only need help with continence, you can have an average life expectancy and easily outlive the two-year waiting period.

It is wise to invest in guaranteed issue life insurance now because your health may decline. Buying a guaranteed issue burial insurance if you need help with dressing is worth it. You won’t lose money with this policy, and it costs much less in the long run than having no insurance coverage.

Benefits Of Guaranteed Issue Burial Insurance

  1. Easy application process. You skip the medical exam and health questions. You will only be asked about your basic information and approved.
  2. Level premium. Your monthly premium is fixed for life. It is guaranteed never to increase regardless of your advancing age or worsening health condition.
  3. Whole life protection. The guaranteed issue is permanent insurance that provides lifelong protection.
  4. The death benefit will never decrease. Your beneficiaries will receive 100% of the face amount on your policy when you pass away.
  5. Tax-free. Your death benefit will be paid to your beneficiaries free of tax. They will not owe any income tax on the death benefit.
  6. Your policy will never expire after you reach 80 years old. Guaranteed acceptance is whole life insurance that will last your lifetime. The policy will never end as long as you keep paying the premiums.
  7. Not cancellable. Your policy can never be canceled by the life insurance company as long as premium payments are made on time.
  8. Cash value accumulation. Guaranteed acceptance life insurance accumulates cash value over the years.

The Best Guaranteed Issue Life Insurance Policy

The best-guaranteed-issue life insurance policy will not have you wait more than two years to take effect. Some plans have three or even four-year waiting periods. 3-4 year waiting period plans are terrible, and you should avoid these plans.

Two years is the shortest period possible before you are fully covered.

If you need help with continence, then GI policy is your best choice. Your application will be quick and easy because there are no medical exams or health questions. You can even get approved for coverage in 15 minutes!

Information We Need If You Need Help With Continence

When applying for burial insurance if you need help with continence and personal hygiene tasks, we will need some information about your current health and functionality.

  1. Do you need help with continence and personal hygiene activities?
  2. Do you need help with other activities of daily living such as eating, bathing, toileting, transferring, or dressing?
  3. Have you ever been confined to a wheelchair?
  4. Are you currently bedridden or need home health care?
  5. Are you in an assisted living or nursing facility?
  6. What medical conditions do you have?
  7. Are you taking medications?
  8. What medications do you take?

Your information will enable us to determine what insurance company will provide you with the lowest rate.

Other Common Uses For Final Expense Life Insurance If You Need Help With Continence

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

  • Burial insurance plan if you need help with continence
  • Cremation insurance plan if you need help with continence
  • Funeral home insurance plan if you need help with continence Final Expense insurance plan if you need help with continence
  • Prepaid funeral plan insurance if you need help with continence
  • Mortgage payment protection plan if you need help with continence
  • Mortgage payoff life insurance plan if you need help with continence
  • Deceased spouse’s income replacement plan if you need help with continence
  • Legacy insurance gift plan to family or loved ones if you need help with continence
  • Medical or doctor bill life insurance plan if you need help with continence

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 when you need help with continence 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 dirty work for you.

e work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search for 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 needing help with continence funeral insurance, or need help with continence burial insurance, or need help with continence life insurance, 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance If You Need Help With Continence Infographics


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