Burial Insurance if You Need Help with Eating – Activities of Daily Living

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

IMPORTANT: If you need help with ADL’s, the only plan you will qualify for is a 2-year waiting period policy. You WILL NOT qualify for 1st-day coverage if you need help with ADLs.

If you or a loved one currently need assistance with eating and need to get a life insurance policy to cover your final expenses, keep reading. This article will help you understand your option.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I NEED HELP WITH EATING?

Activities of daily living are the fundamental skills needed to manage basic physical needs.

Eating is one of the activities of daily living that you must do on your own to qualify for life insurance. Insurance companies require that each applicant be able to do this as a key part of functional independence.

Life insurance companies define eating as the process of putting food into the body which includes reaching for, picking up, and grasping a utensil or food container. Getting food on the utensil and bringing food from the utensil into the mouth and manipulating food on the plate and cleaning hands and face following meals is also included in ADLs.

If you need assistance from another person to eat, you are dependent on eating, and the only life insurance available for you is a guaranteed issue burial insurance.

Guaranteed Issue (GI) policies do not require you to answer any underwriting questions, meaning your health is not taken into account at all. The insurance company will accept your application without asking for any details about your health.

While it cost a bit more than insurance with underwriting, you will not have to worry about the possibility of being denied coverage because of not being able to perform eating or other activities of daily living on your own.

Guaranteed issue life insurance has a death benefit limitation for a natural cause of death during the first two years of the policy. After the two years waiting period, you are fully protected for life. At this point, the insurance provider will pay 100% of the death benefit if you pass away for any reason.

Best Option: Guaranteed issue burial insurance


REQUIREMENTS TO QUALIFY FOR GUARANTEED ISSUE BURIAL INSURANCE

AGE REQUIREMENT

Every final expense company has their own age availability, but most guaranteed issue burial insurance companies accept applicants who are 50 to 85 years old.


STATE AVAILABILITY

Not every insurance company have their products licensed in every state. Make sure the company has guaranteed acceptance life insurance policy available in your state before applying.


ABILITY TO ENTER A LEGAL CONTRACT

You must possess a mental capacity to enter into a legal contract. For example, if you have advanced dementia or Alzheimer’s disease and you are not able to legally consent to an agreement, the company may reject your application.


WHY ARE THE ACTIVITIES OF DAILY LIVING IMPORTANT IN LIFE INSURANCE?

If you cannot perform any of the activities of daily living, it will impact your life insurance eligibility and may result in:

  • You may not be approved for a new policy
  • If you’ve already purchased insurance, you may now qualify for long-term care benefits.

Insurance companies only ask if you need help with ADL’s because when a person cannot perform any of the ADL’s, they will usually need long-term care like in-home care, nursing, or assisted living facility care which is a “knock-out” for a first-day coverage insurance plan.

It’s critical that you work with an independent life insurance agency before it’s too late because when you need help with any of the activities of daily living, the best life insurance option for you is to take a 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 PLAN BENEFITSINCLUDED
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 EATING, 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 eating.

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 NEED HELP WITH EATING

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.


HEALTH QUESTIONS:

Every burial insurance company that has health questions will ask if you need help with activities of daily living in their application.

Common life insurance questions about eating and other ADL:

  • Do you need help in performing activities of daily living 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?

If you answer “yes” to any of these questions, your application will be automatically declined for traditional life or burial insurance. However, you have another option for coverage, and that is by getting a guaranteed issue burial insurance that does not have any health questions.


HOW DOES NEEDING HELP WITH EATING AFFECT LIFE INSURANCE?

Needing help from somebody to eat will significantly affect your ability to qualify for the best-priced insurance coverage.

Needing help with eating may arise from many reasons and are closely related to other health problems such as:

  • Alzheimer’s disease
  • Amyotrophic lateral sclerosis (ALS)
  • Arthritis
  • Cerebral palsy
  • Cystic Fibrosis
  • Dementia
  • Heart attack
  • Multiple Sclerosis
  • Muscular dystrophy
  • Paralysis
  • Parkinson’s disease
  • Spina bifida
  • Stroke

Any of these medical conditions when serious enough can cause you to prevent eating independently. In some cases, the inability to eat may be due to forgetting the process because of some cognitive impairment.

Inability to eat independently may be caused by physical and mental health. These conditions can cause the applicant to have a premature death. Anything that can cause premature death is considered high risk by life insurance companies.

Needing help with eating is one of the determining factors of the insurance company whether they will provide coverage or decline your application. Needing help with eating is generally a decline for first-day coverage life insurance and the only coverage you will qualify for is guaranteed issue burial insurance.


HOW MUCH INSURANCE DO I NEED IF I NEED HELP WITH EATING?

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


NEEDING HELP WITH EATING 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


INFORMATION WE NEED IF YOU NEED HELP WITH EATING

When applying for burial insurance, we will need information about your current health and functionality. Your information will help us understand your condition better. To give you an accurate quote, we need to know your medical condition before we can recommend what type of plan you will qualify for.

  1. Do you need help with eating, bathing, dressing, toileting, transferring or continence?
  2. Are you currently confined or ever been confined to a wheelchair?
  3. Are you currently confined to a bed?
  4. Are you receiving home health care?
  5. Are you in an assisted living facility?

Give an honest response to the questions. We will review this information to determine what insurance company is best for you.  We are experts in securing affordable burial insurance for those who need help with eating and other ADLs.


WHY DO YOU NEED GUARANTEED ISSUE BURIAL INSURANCE IF YOU NEED HELP WITH EATING?

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

Postponing your application for coverage is not a wise decision as your health may worsen at any moment.

Guaranteed life insurance for seniors may be a little expensive than plans with underwriting, but your approval is guaranteed. Buying a guaranteed issue burial insurance if you need help with eating is worth it, you won’t lose money with this plan, and it cost much less in the long run than having no insurance coverage at all.


BENEFITS OF GUARANTEED ISSUE BURIAL INSURANCE

  1. Ease of issue. Qualifying for a guaranteed issue burial insurance is easy and straightforward. You are not required to take a physical exam or answer any health-related questions. You will be approved even if you need help in eating or doing any of the ADLs as long as you meet the age requirements and the policy is available in the state where you live.
  2. The monthly premium will never increase. Your monthly insurance premium is fixed, and the rate will never go up. Your premium is computed at your present age, and it is guaranteed to stay that way regardless of your advancing age or declining medical condition.
  3. Your death benefit will never decrease. Your death benefit is fixed and will never to decrease. Your beneficiaries will receive 100% of your policy when you pass away.
  4. Your policy will never expire. Guaranteed issue burial insurance is whole life insurance that will last your lifetime. The policy will never end as long as you pay the monthly premiums on time.
  5. Your policy is not cancelable. Your policy can’t be canceled by the life insurance carrier as long as you pay your premium on time.
  6. The death benefit is tax-free. Your beneficiaries will receive your death benefit free of tax when you pass away.
  7. Cash value accumulation. Guaranteed issue life insurance is whole life insurance that accumulates a cash value that you can withdraw or borrow against.


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 best ADL waiting period possible before your coverage is in full effect. NEVER accept a waiting period longer than two years!

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


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE IF YOU NEED HELP WITH EATING

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

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

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 when you need help with eating 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 dirty work for you.

We work with many A+ rated insurance carriers that specialized 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 eating funeral insurance, or needing help with eating burial insurance, or needing help with eating 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 Eating Infographics

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