If you’re looking for burial insurance if you need help with eating, you’re probably frustrated already. More than likely, you’ve been declined at least once. This is probably normal for most people who need help with activities of daily living.
But, here’s the good news…you can find affordable burial insurance even if you need help with eating!
Yes, it’s possible!
If you currently need assistance with eating and need to get a life insurance policy to cover your final expenses, we work with companies that will accept you.
A burial insurance policy does not require physicals or medical exams. The only thing you need to do is answer a few health questions. That’s all there is to it!
In this article, we will discuss how you can find affordable insurance coverage when you need help with eating and any of the activities of daily living.
FOR EASIER NAVIGATION:
BURIAL INSURANCE IF YOU NEED HELP WITH EATING
Eating is one of the activities of daily living that you must do on your own to qualify for life insurance. Insurance companies demand that each applicant must be able to do this as a key part of functional independence.
The life insurance companies define eating as the process of putting food into the body which means reaching for, picking up and grasping a utensil and food container. Getting food on the utensil and bringing food from utensil into the mouth.
It also includes manipulating food on the plate and cleaning hands and face following meals.
What is important in assessing your ability to eat is that you can move food from the plate or container to your mouth and eat it without any help from other people.
When you’re unable to feed yourself from a food container, you must feed yourself by a feeding tube or intravenously. The feeding tube is inserted into the stomach surgically and is used to give food, liquids, and medicines. You must know how to use and care for a feeding tube.
It’s normal for people to require a little bit of help as we age. Many applicants have a friend or family members who prepare meals for them or help make a meal. It is totally acceptable to receive help in preparing meals. but you must be able to eat on your own.
Some people may not be able to drink and eat independently, and therefore may need help from another person. There could be a variety of reasons why someone may not be able to feed themselves, such as the inability to lift hands to mouth because of a disability or uncontrolled movements or memory problems.
If you cannot feed yourself, you may need assisted feeding. Assisted feeding may be necessary if you have a disability or neurological issue. A person living with dementia or Alzheimer’s disease may no longer be able to manage to eat alone.
Those with a disability like cerebral palsy, amyotrophic lateral sclerosis (ALS), or those who acquire a disability by accident may also require assisted feeding because they are unable to pick and bring food to their mouth.
If you need assistance from another person to eat, you are dependent for eating, and the only life insurance available for you is a guaranteed issue burial insurance.
WHAT ARE THE OTHER ACTIVITIES OF DAILY LIVING (ADL)?
EATING – The process of getting food into your body from a container such as a plate or a cup, including the use of utensils. Cleaning the face and hands following the meals. If you need help from another person to eat, you are dependent on them to eat.
BATHING – The ability to clean the body using a sponge, tub or shower. Also includes getting a basin of water and managing faucets. You must be able to get in out of the shower, shower chair or bathtub safely. Reaching different body parts to soap, rinse and dry. Bathing also includes performing other grooming activities like shaving and brushing teeth. If you need help from another person to complete any of these activities means you are dependent on help with bathing.
DRESSING – The ability to put on and take off any item of clothing. It also includes your ability to put on and take off splints, fasteners, braces, and artificial limbs. Getting dressed by yourself without struggling with buttons or zippers. Needing help from another person to complete any of these activities means you are dependent on help for dressing.
TOILETING – Going to the bathroom without any help, including getting on and off the toilet. Taking off and putting undergarments, and performing associated personal hygiene. Also includes using and emptying a bedpan and urinal after use. Needing help from another person in completing any of these activities means you are dependent on help for toileting.
TRANSFERRING – Getting in or out of bed, chair or wheelchair without assistance. Also includes standing or repositioning yourself to promote blood circulation and prevent skin breakdown. If you need help from another person with any of these activities, you are dependent on help with transferring.
CONTINENCE – Maintaining control of bladder and bowel function. Also, include performing personal hygiene tasks including caring for a catheter or colostomy bag and applying diapers or disposable barrier pads. If you cannot control bladder or bowel function and you need help from another person to do the associated personal hygiene task, you are dependent on help for continence.
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 care 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.
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, it can be challenging to qualify for life insurance. The best life insurance option for you is to take a guaranteed issue burial insurance.
WHAT INFORMATION WILL WE NEED IF YOU NEED HELP WITH EATING OR ANY ADL’s?
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.
- Do you need help with eating, bathing, dressing, toileting, transferring or continence?
- Are you currently confined or ever been confined to a wheelchair?
- Are you currently confined to a bed?
- Are you receiving home health care?
- Are you in an assisted living facility?
Give an honest response to the questions. We will analyze this information to determine what insurance company is best for you. We are experts in securing affordable burial insurance to those who need help with eating and other ADL.
UNDERWRITING BURIAL INSURANCE IF YOU NEED HELP WITH EATING AND ADL
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 currently use a wheelchair due to a disability or chronic illness?
- Are you currently confined to a nursing or assisted living facility?
- Do you currently receive home health care or, in the last two years, did you receive home health care for more than three separate periods of care?
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 which 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)
- Cerebral palsy
- Cystic Fibrosis
- Heart attack
- Multiple Sclerosis
- Muscular dystrophy
- Parkinson’s disease
- Spina bifida
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 traditional life insurance, and the only coverage you will qualify for is guaranteed issue burial insurance.
LIFE INSURANCE OPTION IF YOU NEED HELP WITH EATING
While it may be difficult to be approved for many types of life insurance when you need help with eating and any of the activities of daily living, you can still qualify for guaranteed issue burial insurance.
GUARANTEED ISSUE BURIAL INSURANCE
Guaranteed Issue (GI) policies do not require you to pass 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.
They do not ask any health questions, and they do not check your medical or prescription history. You could have a terminal illness, and it simply will not matter.
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 the activities of daily living.
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.
REQUIREMENTS TO QUALIFY FOR GUARANTEED ISSUE BURIAL INSURANCE
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.
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 dementia or Alzheimer’s disease and you are not able to legally consent to an agreement, the company may reject your application.
BENEFITS OF GUARANTEED ISSUE BURIAL INSURANCE
- 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.
- 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.
- 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.
- 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.
- 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.
- The death benefit is tax-free. Your beneficiaries will receive your death benefit free of tax when you pass away.
- Cash value accumulation. Guaranteed issue life insurance is whole life insurance that accumulates a cash value that you can withdraw or borrow against.
COMMONLY ADVERTISED GUARANTEED ISSUE BURIAL INSURANCE IN TV AND MAGAZINES YOU SHOULD AVOID:
- INCREASING PREMIUM – Many of these life insurance companies offering this plan require premium increase every five years. A real guaranteed acceptance life insurance has a fixed premium throughout the life of the policy.
- POLICY TERMINATION AFTER AGE 80 – Some guaranteed issue policies end when you reach 80 years old. Guaranteed acceptance life insurance is a whole life insurance policy that lasts a lifetime.
- 3-YEAR WAITING PERIOD – The best-guaranteed issue life insurance has only a two-year waiting period. It is essential to work with an independent life insurance agency that will prevent you from being deceived into agreeing to buy a guaranteed issue life insurance with a 3-year or 4-year waiting period.
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 decline 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.
We have been able to help seniors’ secure burial insurance even if they have some trouble with eating or any of the activities of daily living. Call us or complete the quote form on this page to find out how we can be of help.
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. It’s totally insane! Avoid these plans at all cost.
Two years is the shortest period possible before your coverage is in full effect. You don’t have to wait for more than that.
If you need help with eating, then GI policy is your best choice. Your application will be easy because there are no medical exam or health questions.
Guaranteed issue life insurance has a two-year waiting period only if you pass away in the first two years because of natural death, then your beneficiaries will get your premiums back plus 10% interest.
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.
If you have a health history of needing help with eating, 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 for 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 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.