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Qualifying For Burial Insurance With An Amputation

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In This Article, I Will Discuss The Likelihood Of Qualifying For Burial Insurance With A History Of An Amputation

Amputations happen to many people for a variety of reasons. For example, some folks have unsuspecting and devastating accidents. Car wrecks, motorcycle accidents, and recreational vehicular accidents are a large reason for amputations.

Additionally, chronic disease such as diabetes cause degeneration of the limbs, toes, and fingers, and leads the way in reasons why people have amputations. And at times, the only solution to mitigate such problems is to amputate in order to save the person.

Regardless of whether or not you suffered an amputation by disease or accident, we will cover the circumstances individually, discussing how both have an impact on your insurability for burial insurance.

Here’s An Overview Of Today’s Topics:

Amputation Caused By Accident And Burial Insurance Qualification

If you suffered an amputation due to an accident, you may qualify for quality, first-day burial insurance coverage. However, there are variables that play a role in your insurability.

How to qualify for burial insurance if you have history of an amputation

Discover how to qualify for burial insurance with an amputation in your health history.

Activities Of Daily Living

Can you bathe yourself? What about dressing and moving around independently?

These are what health professionals call “activities of daily living.”

If you can perform your activities of daily living independently, then your amputation history should have little effect on your ability to qualify for burial insurance.

However, if you do have a CNA or home health care professional that assists, then it is more likely than not that your best choice for coverage is a guaranteed acceptance whole life insurance plan.

Wheelchair Usage

When amputees lose their legs, it is common to utilize the assistance of a wheelchair or walker.

In my experience as a burial insurance specialist, using a wheelchair may have an impact on your ability to qualify for burial insurance coverage.

You can qualify for burial insurance even if you have history of an amputation

Ultimately, it will depend upon any other health issues you may have, as well. So talking to an independent agent like myself is the best route to figure out what you qualify for.

Amputation Caused By Disease And Qualifying For Burial Insurance

If a chronic disease such as diabetes played a part in your amputation, expect more scrutiny from insurance carriers trying to qualify for burial insurance.

Ultimately, what you’ll have access to in burial insurance options depends on the length of time since the amputation.

Let’s take a further look at how time since the amputation plays a role in burial insurance eligibility.

One of the major cause of an amputation is chronic diabetes

Chronic diabetes can cause folks to get amputations in very bad cases.

Less Than 1 Year Since The Amputation

If your amputation occurred less than 1 year ago, your best bet for life insurance coverage is a guaranteed-issue, no-questions-asked burial insurance product.

These products are designed to guarantee your approval, but limit your natural death coverage for two years.

Between 1 And 2 Years Ago Since The Amputation

You may or may not have better access to partial first-day burial insurance coverage if 12 to 24 months have passed since your amputation.

Some carriers will offer you what’s known as a “Graded Whole Life” product.

This means that you are partially covered from the first day, versus having no coverage whatsoever in the no-questions-asked life insurance product described above.

Two Years Or Greater Since The Amputation

With a select few burial insurance carriers, there are first-day full coverage options available to you if your chronic disease-caused amputation occurred more than 2 years ago.

Burial Insurance Rates, Age 40 to 90*


Rates For $5,000 In Burial Insurance


Rates For $10,000 In Burial Insurance



Rates For $15,000 In Burial Insurance



Rates For $20,000 In Burial Insurance



Rates For $25,000 In Burial Insurance


*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.

David Duford, owner of buy life insurance for burial with his son Goofball

My goofball son and I thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

In Summary

Keep in mind, ultimately your ability to qualify for burial insurance comes down to a personal evaluation of your entire health history, not just your amputation.At times, other health factors can have an effect on your eligibility potential.

And ultimately, talking to a life insurance broker like myself is the quickest and easiest way to establish what your options are. Please call 888-626-0439 now for a free, no-obligation quote, to see specifically what burial insurance options you’ll qualify for as an amputee.


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