Burial Insurance with Paralysis

Finding burial insurance with paralysis is possible, but your health must be stable, and you will be limited in the type of plan that you will qualify for.

IMPORTANT: If you have paralysis and need help with eating, dressing, personal hygiene, maintaining continence, transferring, or mobility, you will only qualify for a plan with a 2-year waiting period plan.

Keep reading to know more about what options are available for you if you have paralysis and how to get the best plan at the lowest rate.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF PARALYSIS?

If you have any of these types of paralysis, you can still be eligible for life insurance.

  1. Monoplegia – affects one arm or leg
  2. Hemiplegia – a paralysis that affects one arm and one leg on the same side of the body
  3. Diplegia – affects the same area on both sides of the body
  4. Paraplegia – affects both of the legs
  5. Quadriplegia or tetraplegia – affects both arms and both legs


FACTORS THAT MAY AFFECT LIFE INSURANCE ELIGIBILITY IF YOU HAVE PARALYSIS

ACTIVITIES OF DAILY LIVING

Paralysis can affect mobility and may require you to need help with the activities of daily living. Almost all burial insurance companies will ask about ADL’s on their life insurance application.

There are six (ADL) activities of daily living used by life insurance companies to determine if you will qualify for a first-day coverage plan. You must be able to perform these activities on your own to be eligible for the lowest rate.

  1. Eating – the act of putting food into your body using a cup, plate, intravenously or feeding tube.
  2. Bathing – washing your entire body in a shower or bathtub, also with your ability to get in and out of the bath or shower on your own.
  3. Dressing – taking off and putting items of clothing to your body. Dressing also includes taking off and putting on braces, fasteners, and artificial limbs.
  4. Toileting – doing necessary personal hygiene and getting on and off the toilet.
  5. Transferring – moving in or out of a chair, bed or a wheelchair.
  6. Continence – controlling the bladder and bowel functions. It also includes performing related personal hygiene tasks like caring for a colostomy or catheter bag.

The most severe case of paraplegia, hemiplegia, and quadriplegia that need assistance in performing activities of daily living will only qualify for a guaranteed issue burial insurance.

You will be accepted for guaranteed acceptance life insurance no matter how mild or severe your paralysis. You don’t need to take a medical exam or answer any health questions to be eligible for coverage.

If you have paralysis, you can quickly get this plan. The minimum age requirement is 50 to 85. If you’re a U.S. citizen, you qualify on the age requirement, and you live in the state where guaranteed issue insurance is available, you will be eligible for this policy.

Best Option: Guaranteed issue burial insurance


HOME HEALTH CARE

It’s very common for paralysis patients to need home health care temporarily or permanently. Either way and just like activities of daily living, every final expense insurance company will specifically ask about home health care.

If you are currently receiving home health care because of your condition, most carriers will offer you guaranteed issue life insurance.

Best Option: Guaranteed issue burial insurance


WHEELCHAIR USE

When it comes to wheelchair use, the important factor that affects insurance eligibility is if you can still perform the activities of daily living on your own.

Best Option: Guaranteed issue burial insurance


WHEELCHAIR USE BUT NEEDS HELP WITH ADL’S

If you are a wheelchair user because of an accident and you don’t have a chronic disease but need help with ADL’s, your options are limited. If you fall under this category, you cannot avoid paying a little bit more and having a waiting period.

Your best option is to get a guaranteed issue of burial insurance that is priced well.

Best Option: Guaranteed issue burial insurance


TEMPORARY WHEELCHAIR USE

If you use a wheelchair because of temporary paralysis from an injury or accident, you may qualify for immediate coverage.

Best Option: Level death benefit plan with first-day coverage


WHY DO YOU NEED GUARANTEED ISSUE BURIAL INSURANCE IF YOU HAVE SEVERE PARALYSIS?

We recommend buying a guaranteed final expense insurance plan if you have severe paralysis because it’s the only plan for which you will qualify. If you are relatively healthy, you can have an average life expectancy despite your condition and you can outlive the two-year waiting period.

Buying a guaranteed issue policy may mean you will have to wait two years before you are fully covered for the natural cause of death. However, if you buy a plan now, you start working on the waiting period immediately, and whatever happens to your health you will be covered.

Your health may get worse at any moment, and you could develop other health problems like diabetes or hypertension. Postponing your application for coverage is not a wise decision.

A guaranteed issue policy may be a little expensive than plans with a level death benefit, but your approval is guaranteed. Buying a guaranteed issue plan if you have paralysis is worth it, you won’t lose money with this plan, and it cost much less 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 $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?

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 HAVE PARALYSIS, 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 with paralysis.

When you apply for burial insurance without being paralyzed, you only have to answer some basic questions about your health. Guaranteed issue whole life insurance is easy to apply for, 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 HAVE PARALYSIS

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:

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

Only a handful of insurance companies will specifically ask about paralysis. Almost all insurance companies will ask if you can do activities of daily living on your own. They will also ask about home health care and wheelchair use.


HOW MUCH INSURANCE DO I NEED IF I HAVE PARALYSIS?

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


PARALYSIS 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 HAVE PARALYSIS

Before you apply for burial insurance, it’s important for you to supply us with all the necessary information about your paralysis. Here are some questions that will help us determine what plan you will qualify for. It is important, to be honest when answering these questions.

  1. How long have you been paralyzed?
  2. What was the cause of your paralysis?
  3. Where is the location of your paralysis?
  4. What medicines do you take?
  5. Do you have other medical conditions in addition to paralysis?

Depending on your answer to these questions, we will be able to get a good idea about your paralysis. We will review this information to determine what final expense insurance company will be the best fit for you.


BENEFITS OF BURIAL & FUNERAL INSURANCE

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE WITH PARALYSIS

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

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

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 with a paralysis 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 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 paralysis funeral insurance, or paralysis burial insurance, or paralysis 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 accurate funeral insurance quotes.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Paralysis Infographic

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