Finding burial insurance with paralysis is possible. You can qualify with any type of paralysis: monoplegia, hemiplegia, paraplegia or quadriplegia. Many top-rated life insurance companies offer some type of burial coverage for you.
There are more opportunities today than ever for people with paralysis to find funeral insurance that will work for you. The key is finding an insurance carrier that looks favorably to your medical condition!
In order to make the process easier, it is best to work with an independent life insurance agency like Funeral Funds that specialize in high-risk life insurance applicants.
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:
CAN YOU QUALIFY FOR LIFE INSURANCE IF YOU HAVE PARALYSIS?
The quick answer is YES!
If you have any of these types of paralysis, you can still be eligible for life insurance.
- Monoplegia – affects one arm or leg
- Hemiplegia – a paralysis that affects one arm and one leg on the same side of the body
- Paraplegia – affects both of the legs
- Quadriplegia or tetraplegia – affects both arms and both legs
The good news is that paralysis does not generally reduce life expectancy as long as there are no other risk factors for dying such as diabetes, obesity, or high blood pressure. This is the reason why paralysis applicants who are relatively healthy can qualify for final expense insurance.
Even if your condition is severe or life-threatening, it’s still possible to get burial insurance, but you may need to pay more and expect a waiting period.
If you have paralysis or you are looking to get life insurance for a loved one who is paralyzed you can get affordable final expense insurance from many life insurance companies.
Want to know what’s great?
Burial insurance companies will not require you to take a medical exam or to submit blood and urine samples to qualify.
The one thing that you need to do is answer a few health questions. And there are even plans that won’t even ask you any health questions. All you need to do is let us help you fill out a 10-minute application, and you will be covered and protected.
WHY DO LIFE INSURANCE COMPANIES CARE IF YOU HAVE PARALYSIS?
Let’s begin by first knowing what paralysis is and briefly explain why most life insurance companies care about paralysis when you apply for coverage.
Paralysis is the loss of ability to move a part of the body or all of the body. It can be localized or generalized, temporary or permanent, partial or complete. It can have different causes; some can even be serious.
Some people develop this condition due to:
- Birth Defect
- Cerebral Palsy
- Guillain-Barré syndrome
- Lyme Disease
- Spinocerebellar hereditary spastic paraplegia
Insurance companies care if you have paralysis because the reason for your condition may affect your life expectancy. Are you paralyzed because of an accident or did you have a stroke that caused your paralysis?
People with paralysis can have an average life expectancy. However, the extent of neurological damage from a stroke or accident can impact life expectancy and cause disability. If a person’s damage is severe, there is a chance of dying prematurely.
While paralysis may not always be the direct cause of death, it can cause premature death. For example, a lack of mobility can increase your chance of accidental death. For this reason, people who have paralysis are considered higher risk applicants because of some health complications or accidents that may cause premature death.
WHAT INFORMATION DO 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.
- How long have you been paralyzed?
- What was the cause of your paralysis?
- Where is the location of your paralysis?
- What medicines do you take?
- Do you have a spinal injury?
- Do you have other medical conditions in addition to paralysis?
- What tests have been done on you?
Depending on your answer to these questions, we will be able to get a good idea about your paralysis. We will analyze this information to determine what final expense insurance company will be the best fit for you.
FACTORS THAT AFFECT LIFE INSURANCE COVERAGE
The cause of your paralysis affects life insurance coverage as every type of paralysis is different. Some could be caused by a birth defect while others could because of illness. Others are a result of injury or accident.
Some types of paralysis are debilitating and may affect life expectancy. However, others may have a significant impact on paralyzed life such as some daily inconveniences which may need help in performing activities of daily living.
Final expense insurance companies will assess your application and look into the specific reason and effect of your paralysis. They will want to know the severity of your condition. Your premium will increase in direct proportion to the severity of your paralysis such as.
Accidents or stroke can cause physical impairments which can make you lose control on the part of your body. Physical impairments can be temporary or permanent. In either case, these conditions could affect your ability to secure the lowest rates on burial insurance.
No matter what, you can still get coverage.
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 immediate coverage. You must be able to perform these activities on your own to be eligible for the lowest rate.
- Eating – the act of putting food into your body using a cup, plate, intravenously or feeding tube.
- 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.
- Dressing – taking off and putting items of clothing to your body. Dressing also includes taking off and putting on braces, fasteners, and artificial limbs.
- Toileting – doing necessary personal hygiene and getting on and off the toilet.
- Transferring – moving in or out of a chair, bed or a wheelchair.
- Continence – controlling the bladder and bowel functions. It also includes performing related personal hygiene tasks like caring for a colostomy or catheter bag.
Needing assistance from somebody else to perform activities of daily living will significantly affect your ability to qualify for the best-priced burial insurance policy.
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 make you pay more or have a waiting period.
Thankfully, there is one life insurance company that does not ask about home health care. They are perfectly fine with it. If for some reason you have other health issues other than paralysis that may prevent you from qualifying with them, you will have to pay a higher premium and have a waiting period.
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.
WHEELCHAIR USE BUT CAN DO ADL’S INDEPENDENTLY
If you are a wheelchair user because of paralysis but you can still perform ADL’s on your own, final expense insurance companies will not hold your wheelchair use against you. Most insurance companies are accepting of wheelchair use as long as you can independently do activities of daily living.
You can easily qualify for immediate coverage and pay the same amount as a healthy person. You will have no waiting period on your plan.
WHEELCHAIR USE WITH NO CHRONIC ILLNESS 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.
It’s only about 15-30% more expensive than a policy with immediate coverage. It also has a graded period for a natural cause of death. You need to live for two years before your policy will pay 100% death benefit.
TEMPORARY WHEELCHAIR USE
If you use a wheelchair because of temporary paralysis from an injury or accident, you will qualify for immediate coverage. You will be 100% covered from the first day and no need to have a waiting period.
POLICY OPTIONS IF YOU HAVE PARALYSIS
LEVEL DEATH BENEFIT
Level death benefit or immediate coverage will be offered to you if your answers to the health questions fit the underwriting requirements of the final expense company you are applying for.
If you have any type of paralysis, you have no chronic illness, and you can independently do the activities of daily living, you can easily qualify for this plan. Burial insurance with no waiting period will get you fully covered from the first day. Your beneficiary will receive 100% of the death benefit when you pass away for whatever reason.
GUARANTEED ISSUE BURIAL INSURANCE
The most severe case of paraplegia, hemiplegia, and quadriplegia will only qualify for guaranteed issue life insurance.
Guaranteed acceptance life insurance does not care how mild or severe your paralysis is because you will qualify for this plan regardless of your paralysis. You don’t need to take a medical exam or answer any health questions to be eligible for coverage.
While it cost a bit more than the level death benefit, you will not have to worry about the possibility of being denied coverage due to your paralysis.
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.
WHY DO YOU NEED GUARANTEED ISSUE BURIAL INSURANCE IF YOU HAVE 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 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.
BENEFITS OF GUARANTEED ISSUE LIFE INSURANCE
Easy to qualify – a simple application process
When you apply for guaranteed issue life insurance, you will only need to fill out your personal information, payment and beneficiary information only.
If you look at the application, you will not see any health-related questions. The company will never check your health history, your prescription history, or pull your medical records.
You will easily qualify for this plan because all you need is the ability to sign your name on the application. You can sign over the phone or through your computer. We will send it to the insurance company, and in a couple of minutes it will be approved, it’s easy to apply!
One of the great benefits of guaranteed acceptance final expense life insurance no exam policy is that your monthly insurance premium is fixed. Your monthly bill will never increase because you locked in the premium at your current age, and it will remain the same for the rest of your life. As long as you pay the premium on the time it will never increase for any reason.
Your death benefit will never decrease
Your death benefit is fixed, and it is guaranteed to never decrease for any reason. Your beneficiaries will receive the full death benefit when you pass away after the two-year waiting period.
Some people complain about their life insurance canceling because of age or worsening health condition. Guaranteed issue burial insurance with paralysis will never cancel because of advancing age or declining health, as long as you pay your premiums on time.
Cash value accumulation
Guaranteed issue burial insurance with paralysis is whole life insurance that accumulates cash value over the years. This cash value can be used to pay your premiums, or you can borrow against it to be used for whatever purpose you want.
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.
If you have a health history of paralysis, 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 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 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 an accurate funeral insurance quotes.