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How To Get Burial Insurance If You Use A Wheelchair

In Today’s Article, I’ll Describe How To Qualify For Burial Life Insurance If You Use A Wheelchair

How To Get Burial Insurance If You Use A Wheelchair

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As folks grow older and suffer from disease and weakness, many lose their capability to move freely. Moreso, many require tools such as walking canes, walkers, and wheelchairs to move from one area to the next. There are many reasons this happens. People suffer from arthritis as they age. Others suffer from worsening illnesses such as diabetes. Or from neurological disorders like multiple sclerosis.

Either way, using a wheelchair has direct implications on qualifying for quality burial insurance.

Let’s talk about your options.

Here’s An Overview Of Today’s Topic:

Can I Get Coverage If I Use A Wheelchair?

The short answer is yes!

The long answer is this: As long as your age fits the insurance company’s requirements, you’ll qualify for some sort of final expense burial insurance.

And the type of final expense insurance depends on your level of reliance and use of the wheelchair.

Occasional Wheelchair Use – Can Walk Without Assistance If Necessary

Many people only use a wheelchair when they anticipate the need to travel longer distances. Commonly, folks will use a wheelchair to comfortably move around when shopping at the local grocery storey.

If these people were to walk, because of their illness or disease, they would quickly lose energy, require rest, and potentially hurt themselves.

Therefore, many utilize electric wheelchairs or scooters to conveniently move around with pain.

However, at home, they move around upright without wheelchair use. They will either walk independently of any equipment whatsoever, or use a cane or walker.

If this describes you, you could qualify for standard or preferred life insurance rates. And in the most circumstances, you’ll be able to get fully covered from the first day.

You can still qualify for burial insurance even if your living in a nursing home

Having a nurse help you do your activities of daily living will affect your ability to qualify for final expense insurance.

Wheelchair Bound – Cannot Walk – Does All Activities Of Daily Living Independently

While many people use wheelchairs to move only for longer distances, there are those who are wheelchair bound, completely dependent upon them to move.

The reasons are plentiful. Many are paralyzed from car crashes. Others suffer from debilitating diseases like arthritis.

The key to applying for quality burial insurance is to determine if you can do activities of daily living independently of others.

The question your insurance agent will ask you is, “Can you perform activities of daily living on your own? Or do you need assistance from someone else?”

Activities of daily living include things like:

  • Washing your hair
  • Taking a bath
  • Preparing food
  • Taking medications
  • Getting dressed on your own
  • Using the bathroom on your own.

While this is not a complete list, if you can do these types of activities on your own, it’s likely you could qualify for first day burial insurance coverage.

Seniors or elderly can still qualify for burial insurance coverage

The trick is to find final expense companies that disregard wheelchair usage as long as you can perform your activities of daily living.

And there are a few life insurance carriers out there that do.

Either way, you need to talk to an insurance broker like myself. I can navigate the options to help you pick the best choice.

Wheelchair Bound – Cannot Complete Some Or All Activities Of Daily Living

If you require assistance from a loved one or nurse to do activities of daily living, and are wheelchair-bound, your only option is guaranteed acceptance life insurance.

In a nutshell, guaranteed acceptance life insurance does not ask health questions. However, you must wait 2 years before you’re fully covered for natural causes of death.

And while this isn’t necessarily what I want to get for my clients, it’s the only choice that you’ll most likely qualify for.

And the sooner you start the waiting period process, the better! Eventually you will be fully covered. So start that process as soon as possible.

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.

Let Me Help Out!

If you feel it’s important to own burial insurance, the next step is to let me help you.

I’m an insurance broker. I shop the most competitively priced companies available. And my goal is to give you the best combination price in underwriting value that I can find.

I recommend you call. My number is 888-626-0439. Otherwise, you can message me.

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1 Comment

[…] you’re terminally ill, in a nursing home, or confined to your wheelchair, a modified plan makes the most […]

January 23, 2019 at 8:26 pm
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