2024 Burial Insurance if You Need Help with Dressing [Activities of Daily Living – ADL’s]
last updated on December 18, 2024Burial insurance if you need help with dressing or any activities of daily living is possible. However, your options are very limited.
!!! READ THIS FIRST !!!
If you need help with toileting or any ADLs, the only plan you will qualify for is a guaranteed issue burial insurance with a 2-year waiting.
You WILL NOT qualify for 1st-day coverage if you need help with ADLs.
Here’s a detailed guide on what you need to expect when applying for burial insurance if you need help with dressing and other ADLs. We will cover everything you need to know about ADLs and how you can find the best burial and final expense insurance policy.
| TABLE OF CONTENTS | |
|---|---|
What Is My Best Insurance Option If I Need Help With Dressing?
Life insurance companies use the ability to dress independently to measure an individual’s functional capacity, especially older adults or those with disabilities.
If the applicant cannot perform dressing independently, they will usually need long-term care services such as in-home care, nursing, or assisted living facilities. Needing long-term care is a red flag for most life insurance companies.
Anybody who needs help with dressing will be able to qualify for a guaranteed issue life insurance policy.
Guaranteed Issue (GI) policies don’t require you to answer any underwriting questions because your health is not considered.
Best Option: Guaranteed issue burial insurance
WHAT IS GUARANTEED ISSUE LIFE INSURANCE
This coverage has a death limitation for a natural cause of death during the first two years of the policy. The company will pay a full death benefit only 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.
While it costs a bit more than insurance policies with underwriting, you will not have to worry about the possibility of being denied coverage because of your inability to dress on your own or perform any of the activities of daily living.
REQUIREMENTS TO QUALIFY FOR GUARANTEED ISSUE BURIAL INSURANCE
#1 – AGE REQUIREMENT – Every final expense company has its own age availability, but most guaranteed issue burial insurance companies accept applicants who are 50 to 85 years old.
#2 – STATE AVAILABILITY – Not every insurance company offers its insurance products in every state. Make sure the company has a guaranteed acceptance life insurance policy available in your state before applying.
#3 – ABILITY TO ENTER A LEGAL CONTRACT – You must possess a mental capacity to enter into a legal contract. For example, the company may reject your application if you have advanced dementia or Alzheimer’s disease and cannot legally consent to an agreement.
Why Do You Need A Guaranteed Issue Burial Insurance If You Need Help With Dressing?
We recommend buying guaranteed issue burial insurance if you need help with dressing and other ADLs because it’s the only life insurance plan you will qualify for. If you are relatively healthy and only need help with dressing, you can have an average life expectancy and easily outlive the two-year waiting period.
Postponing your application for life insurance coverage is not a wise decision, as your health may decline at any moment.
Buying a guaranteed issue burial insurance if you need help with dressing is worth it because you won’t lose money with this plan, and it costs much less in the long run than having no insurance coverage at all.
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
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 dressing.
When you apply for burial insurance, you only have to answer 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!
Life Insurance Underwriting If You Need Help With Dressing
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 underwriting (health questions) will ask if you need help with dressing or other activities of daily living on their application.
Common underwriting questions about dressing and other ADL include:
- Do you need assistance performing daily living activities such as dressing, eating, bathing, transferring, toileting or continence?
- Do you currently use a wheelchair due to chronic illness or disability?
- Do you currently receive home health care, or in the last 24 months, did you receive home health care services for more than three separate periods of care?
- Are you currently confined to an assisted living or nursing facility?
If you answer YES to any of these questions, your application for traditional life insurance will automatically be declined. However, you have another option for coverage which is a guaranteed acceptance burial insurance that does not have any health questions.
HOW DOES NEEDING HELP WITH DRESSING AFFECT LIFE INSURANCE?
Needing help from another person to get dressed will significantly affect your ability to qualify for the best-priced insurance coverage.
Dressing is an important self-care activity you must do on your own. Inability to get dressed independently is associated with several 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 may cause you to be unable to dress independently. In some cases, the inability to get dressed may be due to cognitive impairment and forgetting the process.
It’s not just about the inability to get dressed independently but the medical condition that prevents you from doing so. These underlying medical conditions concern life insurance companies because they can cause premature death.
Anything that can cause premature death is considered high risk by life insurance companies.
Applicants needing help with dressing and other activities of daily living are considered high-risk applicants. Therefore, they will need to pay more premiums and have a short waiting period if they need help in performing ADLs.
How Much Insurance Do I Need?
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 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 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| 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 |
| Urn | $295 |
| 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 Dressing 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:
| FUNERAL FUNDS ADD-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You Need Help With Dressing
When applying for burial insurance if you need help with dressing, we will need some information about your current health and functionality. Your information will help us understand your inability to get dressed on your own and your other health condition.
- Do you need help with dressing?
- Do you need help with other activities of daily living such as eating, bathing, toileting, transferring or continence?
- Have you ever been confined in a wheelchair?
- Are you currently bedridden?
- Are you in an assisted living or nursing facility?
- What medical conditions do you have?
- Are you taking medications?
- What medications do you take?
Be honest when answering these questions so that we can determine what insurance company is best for you and give you an accurate quote.
Benefits Of Burial Insurance & Funeral Insurance
- Easy to qualify. You skip the medical exam and health questions. You are guaranteed to be approved regardless of your health conditions.
- Level premium. Your monthly premium is fixed for life. It is guaranteed never to increase regardless of your advancing age or worsening health condition.
- The death benefit will never decrease. Your beneficiaries will receive the full face amount on your policy when you pass away.
- 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.
- Your policy will never expire. Guaranteed acceptance life insurance is whole life insurance that will last your lifetime. The policy will never end as long as you keep paying the premiums.
- Not cancellable. Your policy can never be canceled by the life insurance company as long as premium payments are made on time.
- Cash value accumulation. Guaranteed acceptance life insurance is whole life insurance that accumulates 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 shortest period possible before you are fully covered. You don’t have to wait for more than that.
If you need help with dressing, then GI policy is your best choice. Your application will be quick and easy because there are no medical exams or health questions. You may even be approved for coverage in 15 minutes!
Other Common Uses For Final Expense Life Insurance
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan if you need help with dressing
- Cremation insurance plan if you need help with dressing
- Funeral home insurance plan if you need help with dressing
- Final Expense insurance plan if you need help with dressing
- Prepaid funeral plan insurance if you need help with dressing
- Mortgage payment protection plan if you need help with dressing
- Mortgage payoff life insurance plan if you need help with dressing
- Deceased spouse’s income replacement plan if you need help with dressing
- Legacy insurance gift plan to family or loved ones if you need help with dressing
- Medical or doctor bill life insurance plan if you need help with dressing
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 dressing 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 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.
We 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 help with dressing funeral insurance, or help with dressing burial insurance, or help with dressing 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.
