2023 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 you 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?
- Why Do You Need Guaranteed Issue Burial Insurance If You Have Severe Paralysis?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Paralysis, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Paralysis
- How Much Insurance Do I Need If I Have Paralysis?
- How Should I Pay My Premiums?
- Paralysis and Burial Insurance Riders
- Information We Need if You Have Paralysis
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Paralysis
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Paralysis
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.
- Monoplegia – affects one arm or leg
- Hemiplegia – a paralysis that affects one arm and one leg on the same side of the body
- Diplegia – affects the same area on both sides of the body
- Paraplegia – affects both of the legs
- 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 ADLs on their life insurance application.
Life insurance companies use six (ADL) daily living activities 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.
- 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 on your body. The 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 wheelchair.
- 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 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 a 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 paralyzed 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 ADLS
If you are a wheelchair user because of an accident and you don’t have a chronic disease but need help with ADLs, 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 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 worsen, 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 more 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 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 |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| 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 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.
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 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 Have Paralysis
Before you apply for burial insurance, you need 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 other medical conditions in addition to paralysis?
Depending on your answer to these questions, we can get a good idea about your paralysis. We will review this information to determine what final expense insurance company will best fit 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 is 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 if 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?
Finding a policy with paralysis needn’t be frustrating; 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 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.
Additional Questions & Answers On Burial Insurance With Paralysis
Can you get life insurance if you have paralysis?
Yes, you can still get life insurance if you have paralysis. However, the policy you will qualify for will be depending on the severity of your paralysis and your ability to perform activities of daily living on your own.
Is paralysis a critical illness in life insurance?
Typically, a critical illness would be an illness or injury that results in your death, hospitalization, or requires you to use assisted devices for daily living. If paralysis meets any of these criteria, it would likely be considered a critical illness.
Can a person with paralysis get burial insurance?
Yes, a person with paralysis can get burial insurance, but your options may be limited depending on your level of impairment.
Do I need to take a medical exam if I have paralysis?
No, you typically do not need to take a medical exam if you have paralysis. However, the insurance company may still require you to provide some information about your paralysis and how it affects your daily life.
What are the exclusions for burial insurance if I have paralysis?
Once you are approved for a policy, your policy will have no exclusions and will pay out as specified in your burial insurance policy.
Is there an age limit for burial insurance with paralysis?
You can apply for burial insurance if you are 18-85 years old.
Can paralysis be considered a critical illness in life insurance?
Yes, paralysis can be considered a critical illness in life insurance. If paralysis meets any of the criteria for a critical illness, it would likely be covered under most life insurance policies.
Is paralysis considered a terminal illness?
No, paralysis is not a terminal illness. However, if you have paralysis and it meets the criteria for a critical illness, your life insurance policy may pay out a death benefit if you die from it.
Is paralysis a pre-existing condition for life insurance?
It depends on the severity of your paralysis and how it affects your ability to perform activities of daily living. If you have paralysis that meets the criteria for a critical illness, most life insurance policies would consider it a pre-existing condition.
Do I need to tell insurance about paralysis?
Yes, you need to tell insurance about any medical conditions, including paralysis. This is so they can determine if you are eligible for coverage and the best policy for you.
Can I get life insurance after paralysis?
Yes, you can still get life insurance after paralysis. However, the policy you will qualify for will be depending on the severity of your paralysis and your ability to perform activities of daily living on your own.
Can you get first-day coverage insurance if you have paralysis?
It depends on the severity of your paralysis and how it affects your ability to perform activities of daily living. If you have paralysis that meets the criteria for a critical illness, you may be eligible for first-day coverage insurance.
What are the things that may affect my eligibility if I have paralysis?
The things that may affect your eligibility for life insurance if you have paralysis include the severity of your paralysis, how it affects your ability to perform activities of daily living, and whether you have any other pre-existing medical conditions.
What is the life expectancy after a paralysis diagnosis?
The life expectancy after a paralysis diagnosis can vary depending on the cause of the paralysis and the individual’s overall health. However, most people with paralysis will live a normal lifespan.
Which insurance is best for patients with paralysis?
Each insurance company will have different policies that are best for people with paralysis. Let a company like Funeral Funds shop around and compare policies to find the best one for you.
Is paralysis a disability?
Yes, paralysis is a disability. It can affect your ability to work and live a normal life.
What disability category is paralysis?
Paralysis is classified as a physical disability. It can affect your ability to move and perform activities of daily living.
Can I qualify for cremation insurance with a history of paralysis?
It depends on the severity of your paralysis and how it affects your ability to perform activities of daily living. You may be eligible for cremation insurance if you have paralysis that meets the criteria for a critical illness.
What is my best insurance option if I have paralysis?
It depends on the severity of your paralysis and how it affects your ability to perform activities of daily living. You may be eligible for life insurance if you have paralysis that meets the criteria for a critical illness.
Is paralysis fatal in life insurance?
No, paralysis is not fatal in life insurance. However, if you have paralysis and it meets the criteria for a critical illness, your life insurance policy may pay out a death benefit if you die from it.
Can you be denied insurance for paralysis?
It depends on the severity of your paralysis and how it affects your ability to perform activities of daily living. If you have paralysis that meets the criteria for a critical illness, you may be denied life insurance with some companies.
Can I get insurance if I am paralyzed?
Yes, you can still get insurance if you are paralyzed. However, the policy you will qualify for will depend on the severity of your paralysis and your ability to perform activities of daily living on your own.
Is there a waiting period for life insurance with paralysis?
It depends on the severity of your paralysis and how it affects your ability to perform activities of daily living. If you cannot perform activities of daily living on your own, life insurance companies may require a two-year waiting period before your policy will be active.
Can paralysis affect your life insurance rates?
Yes, paralysis can affect your life insurance rates. The severity of your paralysis and how it affects your ability to perform activities of daily living will be taken into account when the insurance company is calculating your rates.
Can paralysis medication affect my premium?
Yes, any medications you are taking for your paralysis will be considered when the insurance company is calculating your rates.
What are the premiums for burial insurance with paralysis?
It depends on the severity of your paralysis and how it affects your ability to perform activities of daily living. If you have paralysis that meets the criteria for a critical illness, you may be eligible for burial insurance.
What is the maximum coverage I can get with burial insurance if I am paralyzed?
You can get a maximum of $20,000 to $50,000 coverage with most companies if you are paralyzed.
What is the average cost of life insurance for someone with paralysis?
The average cost of life insurance for someone with paralysis depends on their age, gender, location, coverage amount, and general health.
Can paralysis patients get final expense insurance?
Yes, paralysis patients can get final expense insurance. However, the policy you will qualify for will be depending on the severity of your paralysis and your ability to perform activities of daily living on your own.
Is paralysis covered by a critical illness rider?
It depends on the severity of your paralysis and how it affects your ability to perform activities of daily living. If you have paralysis that meets the criteria for a critical illness, you may be eligible for a critical illness rider on your life insurance policy.
Can paralysis affect life insurance?
Yes, paralysis can affect life insurance. The severity of your paralysis and how it affects your ability to perform activities of daily living will be taken into account when the insurance company is calculating your rates.
Can you be rejected for life insurance because of paralysis?
It depends on the severity of your paralysis and how it affects your ability to perform activities of daily living. You may be denied life insurance if you have paralysis that meets the criteria for a critical illness.
How can you get the best life insurance rates with paralysis?
The best way to get the best life insurance rates with paralysis is to work with an independent life insurance agent like Funeral Funds, who can shop around for the best policy that fits your needs.
What is the best insurance option for people with paralysis?
The best insurance option for people with paralysis depends on the severity of their paralysis and how it affects their ability to perform activities of daily living. You may be eligible for life insurance if you have paralysis that meets the criteria for a critical illness. However, if you cannot perform daily living activities on your own, you may be eligible for guaranteed issue life insurance.
What are the best life insurance companies for paralysis?
The best life insurance companies for paralysis depend on the severity of your paralysis and how it affects your ability to perform activities of daily living.
What are some tips for getting life insurance with paralysis?
Some tips for getting life insurance with paralysis are to work with an independent life insurance agent, get a policy that meets your needs, and choose the company that offers the best rates.
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2 Comments
Antonio C Cosby
Am a Quadriplegic
Funeral Funds
Antonio – If you need any help with ADLs (Activities of Daily Living), the only plan you would qualify for is one with a 2-year waiting period. If you get in touch with us, we can point you to the best company for your situation.