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If you are in a wheelchair and have been applying for burial insurance, you are probably frustrated right now. More than likely, you are getting declined left and right. First of all, don’t be alarmed. This is normal for most people.

Here’s some good news.

The only reason this has been happening is because of who you have been speaking with. Let us be the first to bring you some good news. You can find affordable final expense life insurance even if you are in a wheelchair.

Yes it is possible!Burial Insurance In A Wheelchair

The thing is, most companies are just not setup properly to deal with high risk factors like wheelchair usage. We are.

Throughout the years, we have had clients who were wheelchair bound, and we got them approved. Furthermore, we got them into plans that didn’t cost a truckload of money either.

This article will be the last one you will ever need to read about getting funeral insurance in a wheelchair. We will break down just how insurance companies could possibly react to you being in a wheelchair, what your expectations should be, and how you can find the best plan for you.


Here’s The Hidden Reality About Burial Insurance In A Wheelchair

If you have been searching for some time now, you are well aware the its extremely common for burial insurance companies to ask about wheelchair usage in their applications. With that, your expectations are 100% a function of why you are in the wheelchair.

The truth is, if you are not in a wheelchair due to a chronic illness or disease (I.E. Alzheimer’s, dementia, Parkinson’s), you can easily qualify for a level death benefit with some companies. This means you will have immediate protection, and you will be offered the lowest rates they have. On the other hand, if your wheelchair usage is due to a chronic illness or disease, you will have to accept that you will have to pay a little bit more (not a lot more if you can believe it), and you will have a waiting period.

Oh and check this out.

Did you know that burial insurance plans do not require physicals or medical exams? The only thing you have to do is answer some medical questions. That’s all there is to it.

At the end of the day, wheelchair usage is multi dimensional risk factor that must be looked at from many different angles. There are some scenarios where your wheelchair usage will not matter, and there are some where it will.

Do not think it’s on you to figure this all out.

Do not think you need to become a master of underwriting here. Sure we are going to break down exactly how insurance companies underwrite wheelchair usage. However, when its all said and done your Choice Mutual agent will figure this all out for you.


How The Insurance Companies Underwrite Wheelchair Usage

You will not find a single health questionnaire with any company that does not specifically ask about wheelchair usage. With that, they all have their own guidelines about what they are and are not okay with in regards to wheelchair usage.

Once we learn about you being in a wheelchair, there are certain questions we will ask of you. Here are the 3 big ones we will need answers to, so that we can accurately determine what your best course of action will be.

  1. Why are you in the wheelchair (like what health issue/event caused it)?
  2. Are you permanently wheelchair bound?
  3. Do you need help bathing, dressing, eating, toileting, or taking medication?

Once we know this stuff, we can give you an honest assessment and let you know what companies will best work for you.


Health questions

You will see different companies ask about wheelchair usage in different ways. Here are some of the most common ways in which they might reference wheelchair usage.

  • In the last 12 months, have you been confined to a wheelchair?
  • Are you currently confined to a wheelchair?
  • Are you currently confined to a wheelchair due to a chronic illness or disease?

There may be some other slight variations out there, but these are the most common.


Let’s talk expectations

To figure this out, there are two big questions we need to ask of you. Before that, its important to note that if your wheelchair usage is temporary, you can get a level death benefit once you are free of it. Below are the two questions we are talking about

  • Are you in a wheelchair due to a chronic illness or disease?
  • Do you need assistance with your daily activities of living (ADL’s) such as bathing, dressing, eating, toileting, or taking medication?


No Chronic Illnesses Or Diseases & You Need No Help With ADL’s

In this circumstance, there are definitely some burial insurance companies that will not hold your wheelchair usage against you. With them, you will pay the same amount as a marathon runner, and you certainly won’t have a waiting period.

Examples of wheelchair usages NOT due to a chronic illness or disease (there are more).

  • A stroke
  • Being overweight
  • Any kind of accident (you fell, auto accident, etc.)
  • You were born with a physical impairment causing you to need a wheelchair
  • You had a surgery and are in a wheelchair while recovering (at some point you will get better and no longer need the wheelchair)


No On Chronic Illnesses Or Disease & Yes On ADL’s

There is one final expense company out there that is cool with people needing help with ADL’s, but they are not accepting of any wheelchair usage. In a similar fashion, there are many companies that are perfectly cool with wheelchair usage for non-chronic illnesses or diseases, but they are not okay with any help with daily activities.

Ultimately, if you are in this circumstance, your best option will be with Gerber Life. They have a guaranteed issue policy that is priced extremely well. It’s about 15-30% more expensive than what a super health person would pay. In addition, it does come with a two year waiting period before they will pay out any benefits.

Unfortunately, if you are in this circumstance, there is no way to avoid paying more and having a period. If you do pass away during the waiting period, they will refund 110% of your premiums, so you have no risk of losing anything. Not to mention, no bank CD will ever earn you 10% interest.


Yes On Chronic Illness Or Disease & Yes Or No On Help With ADL’s

Sadly, guaranteed issue by Gerber Life is your only option here. If you are in a wheelchair due to a chronic illness or disease, there is no company in the world that will issue you a policy that does not have a two year waiting period at the minimum along with a higher monthly premium. We recommend Gerber simply because it will be your cheapest option. Honestly, their premiums are not even that much more than what healthy people pay.

As you may have noticed, whether or not you need help with your daily actives is irrelevant. The wheelchair usage because of an illness or disease supersedes everything else.

Examples of wheelchair usage because of a chronic illness or disease (there are more).

  • Multiple Sclerosis
  • Parkinson’s Disease
  • Alzheimer’s Disease
  • Dementia
  • Diabetes Complications

Burial Insurance In A Wheelchair

How To Find The Best Burial Insurance In A Wheelchair

As you can see, there are lots of variables here. With that, it takes a trained and experienced eye to be able to accurately and faithfully help you with this. To get the best plan, you need to lean on an expert for help with this much like you would lean on an attorney for legal help.

To secure the best burial insurance in a wheelchair, it’s critical you work with a broker, like Choice Mutual, that has free access to multiple final expense life insurance companies. Your broker will take your entire health history into consideration, and will shop your case on the market. Basically, this means they will compare prices for plans from multiple companies to see who is going to win your business.

Obviously, we would love to earn your business simply because we wholeheartedly believe there is nobody else more qualified and properly equipped to do so. However, if you go elsewhere, make sure you are dealing with a company that represents lots of insurance companies. If you don’t, you will get shafted.

If you want some expert help, give us a shot. To get started, fill out the quote form with your best contact phone number and one of our agents will contact you shortly. On the other hand you can call us too at 1-800-644-2926.