Burial Insurance if You Need Help with Dressing [Activities of Daily Living – ADL’s]

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

IMPORTANT: 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.

FOR EASIER NAVIGATION:


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

The ability to dress independently is used by life insurance companies to measure an individual’s functional capacity, especially those older adults or those with disabilities.

If the applicant cannot perform dressing on their own, 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 taken into account.

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 the premiums you paid 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 cost 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 their 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, if you have advanced dementia or Alzheimer’s disease and you cannot legally consent to an agreement, the company may reject your application.


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 cost much less in the long run than having no insurance coverage at all.


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 DRESSING, 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 dressing.

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 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 in performing activities of daily living 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 dress will significantly affect your ability to qualify for the best-priced insurance coverage.

Dressing is an important self-care activity that 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 dress may be due to forgetting the process because of cognitive impairment.

It’s not just about the inability to get dress independently but the medical condition that prevents you from doing so. These underlying medical conditions are the concern of 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 IF I NEED HELP WITH DRESSING?

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 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 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 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.

  1. Do you need help with dressing?
  2. Do you need help with other activities of daily living such as eating, bathing, toileting, transferring or continence?
  3. Have you ever been confined in a wheelchair?
  4. Are you currently bedridden?
  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?

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 GUARANTEED ISSUE BURIAL INSURANCE

  1. Easy to qualify. You skip the medical exam and health questions. You are guaranteed to be approved regardless of your health conditions.
  2. Level premium. Your monthly premium is fixed for life. It is guaranteed to never increase regardless of your advancing age or worsening health condition.
  3. The death benefit will never decrease. Your beneficiaries will receive the full face amount on your policy when you pass away.
  4. 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.
  5. 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.
  6. Not cancellable. Your policy can never be canceled by the life insurance company as long as premium payments are made on time.
  7. 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 IF YOU NEED HELP WITH DRESSING

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?

Trying to find 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 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 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.

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

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