Burial Insurance Options For People With Disabilities

Burial Insurance Options For People With Disabilities

With today's inroads in modern medicine being disabled does not mean you cannot live a long, happy life. However, eventually, everyone will pass away. It is a fact of life we cannot ignore. Traditionally, if you have a disability such as blindness, or have a pre-existing condition such as diabetes, life insurance is pretty much impossible to obtain or the premiums will have you paying outrageous fees you probably cannot afford. Burial Insurance is the one insurance that is easy for anyone to obtain and will give you peace of mind that your family will not have to suffer financially to lay you to rest. 

Why Choose Burial Insurance?

Burial insurance, Funeral Insurance or Final Expense as it is often called is a policy that is designed to cover all of the costs associated with your death or burial. 

  • It pays off funeral and burial expenses
  • Is supplemental to other life insurance coverage
  • Pre-existing medical conditions or disabilities qualify
  • No medical exams
  • Quick and easy coverage
  • Low monthly premiums
  • Does not expire as long as premiums are current

How Much Does Burial Insurance Cost

The amount you choose for your burial insurance will be determined as to what type of funeral you want to have. The average funeral in the United States costs between $6,000 and $10,000 and continues to rise every year. Most burial insurance will allow you to purchase up to $50,000 of coverage. Keep in mind, the higher the coverage, the higher the premium.  It is also important that once you determine what type of funeral you want, that you also shop around to get the best Burial Insurance by talking to several different companies. 

Burial Insurance On Disability

Receiving Social Security Disability Income (SSDI) means you qualify for benefits due to having a long-term and debilitating issue that affects your life every day. As a result you are not working, so most traditional life insurance companies will immediately reject your application for insurance. The good news is that the majority of burial insurance companies will not ask about disability. They do not care if you are on SSDI. Unlike traditional life insurance, your disability will not impact your ability to secure an affordable Burial Insurance plan. 

Important Things To Keep In Mind With Any Insurance

Whether you have a disability or not, It is important that in addition to peace of mind that Burial Insurance give you, you do not invite a premature death. These risk factors can be eliminated:

  • If you smoke, stop.
  • Eat a healthy diet and maintain a healthy weight
  • Take your medication as prescribed
  • Ask for help if you need it

You may wish to work with an agent who represents more than one company and can help you based on your needs. Have your agent compare quotes based on your age and budget and your current risk factors. You and your family deserve the peace of mind that comes with knowing that you will be laid to rest according to your wishes and without placing the burden of debt that comes with a burial. 

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