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Qualifying For Burial Insurance While Living In An Assisted Living Facility

Qualifying For Burial Insurance While Living In An Assisted Living Facility

Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

In Today’s Article, I Will Discuss The Ability To Qualify For Burial Insurance If You Or A Loved One Lives In An Assisted Living Facility

As folks age, many times they end up in a position where they need regular assistance with day-to-day activities such as bathing, eating, taking medications, and moving about. Sometimes, medical professionals make house calls to satisfy the needs of these people

Top 4 reasons why people buy burial insurance

In more severe cases, people are recommended for residence at a local assisted living facility. As I describe what options you have for burial insurance, I will also define the differences between “senior home” options.

There are several types of senior home options. Some of them allow better options for burial insurance coverage than others.


Here’s An Overview Of Today’s Topics:

Independent Living Communities And Burial Insurance

Independent Living Communities are defined as communities focused on fostering an independent senior population.

For example, independent living communities include retirement communities, retirement villages, 55+ communities, and senior apartments.

Generally speaking, if you live in one of these communities, you are capable of completing your own activities of daily living and have few medical issues.

Thus, if this describes you, you most likely will have no problems qualifying for burial insurance living in an independent living community.

Assisted Living And Burial Insurance

Assisted living facilities are designed for senior citizens that cannot complete many activities of daily living, but necessarily do not need constant 24-hour care.

Nurses provide assistance with medication usage, meals and housekeeping.

In this instance, odds are high you will only have a guaranteed-issue whole life insurance option available.

This means you or your loved one can get life insurance approval.

Determine the amount of your premium according to your budget

However, there is a mandatory two year waiting period before coverage comes into full effect.

With that in mind, there are rare occasions where there are exceptions, and partial or full coverage is available.

Call 888-626-0439, and I can tell you in a matter of minutes what exactly you or your loved one could qualify for.

Nursing Homes

Nursing homes offer intense, 24-hour assistance to patients who need constant medical supervision.

Nursing homes also include convalescent care facilities, nursing centers, skilled nursing centers, memory/dementia care facilities, and long-term care facilities.

Work with certified broker when buying burial insurance for your loved one

Discover how to qualify for burial insurance if you or a loved one live in an assisted living facility.

In virtually all circumstances, patients may only qualify for guaranteed acceptance whole life insurance, as mentioned earlier.

Residential Care Homes

Residential care homes are smaller, more private facilities that offer care to seniors with live-in caretakers. The types of assistance provided varies dramatically.

Most facilities will offer residents help with activities of daily living. Others will offer more specialized services.

In this instance, figuring out your burial insurance options comes down to which (if any) activities of daily living require assistance, and whether or not the patient is confined to the residential care home.

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

Thanks for reading, and I 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!

Let Me Help

Your situation is unique. And the best route to determine insurability is to call 888-626-0439. Allow me to help you out to see what your options are. No obligation, of course.

Otherwise, send me a message, or start a conversation with me in the chat box.


We work with individuals across the nation to secure the best life insurance rates.

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