Burial Insurance Solutions for the Blind | Lifease Health
Overview
Many think having a disability reduces the chances of getting burial insurance. In reality, it is not true. Vision impairment does not make you an unsuccessful applicant for burial insurance. You can secure burial insurance even if you are blind.
However, it affects the coverage and cost of the insurance. The cost and coverage depend on the insurer. Choose the policy that meets your needs successfully. In this blog, you will explore everything you need to know about burial insurance. Read it thoroughly and learn about the best burial insurance for visually impaired individuals.
Burial Insurance for the Blind
If you are blind and looking for life insurance then burial insurance got you covered. Burial insurance or final expense insurance is an end-of-life insurance. It gives your family financial compensation after your death to cover final expenses.
You receive the first-day coverage with burial insurance. There is no medical exam in burial insurance and it accepts applicants regardless of their health. It means if you are visually impaired, you can still get the insurance.
However, you must understand that you may face challenges while applying. Also, there are different rules and policies for blind individuals. The coverage and cost are different for blind people than for normal people.

Coverage In Burial Insurance With Vision Impairment
The coverage of the final expense insurance depends on your health status. There are other factors too but health is a major cause. Applicants with pre-existing conditions can secure burial insurance but with a higher premium.
Visually impaired people pay a higher premium amount than normal individuals. The coverage depends on the monthly premiums. If you pay a higher amount, you get maximum coverage.
Moreover, you get the same end-of-life benefits. It covers services such as:
- Cremation costs
- Funeral costs
- Burial costs
- Medical bills
- Outstanding debts
- Memorial services
Remember, coverage varies from company to company. It depends on the policy type and the insurer you choose for the insurance.
Cost Of The Burial Insurance For The Blind
Your health, age, gender and policy types determine the cost of the insurance. Having a disability like vision impairment increases the cost. The cost also depends on how you get blind. Insurers check your condition and causes of blindness.
Blindness due to illness
If your blindness is caused due to illness, it means you have health issues. This reduces your life expectancy and you may not get first-day coverage. Insurers are cautious of causes including:
- Head injuries
- Stroke
- Head trauma
- Uncontrolled hypertension
- Uncontrolled diabetes
You may face challenges while securing insurance if your blindness is caused by these health issues. Insurance companies evaluate your health and determine your life expectancy. Even if you have a short life expectancy, you can still secure a guaranteed issue.
Blindness due to accident
Losing your eyesight because of an accident is different from blindness due to illness. Insurers perceive these applicants differently. And both are different conditions. Blindness due to accidents does not come from medical issues. Thus, it does not reduce your life expectancy.
If you are blind but healthy and active to perform daily activities, you easily get first-day coverage. You will not face any challenges while securing burial insurance. Such applicants qualify for death benefits of final expense insurance.
Blindness with no other medical conditions is considered normal by insurers. The beneficiary gets full coverage and death benefits with no waiting period.
Guaranteed issue
Securing a final expense for legally blind people can be difficult. If you are diagnosed as legally blind it is best to obtain a guaranteed issue. It is a whole life insurance that offers coverage no matter what.
The guaranteed issue plan does not include medical questions. It accepts applicants regardless of their medical conditions. You can easily get approval with a guaranteed issue even with vision impairment.
Additionally, your beneficiary gets the full death benefits. However, there is a waiting period. If you die during this time, the insurer does not offer you full coverage. It will return the paid premium to your beneficiary. But if you die from any accident, you will get full coverage.
Burial Insurance For The Blind And The Underwriting Process
It is crucial for insurance companies to evaluate the applicants and their health status. To do that, insurers do an underwriting process. Through this primary process, the insurer gathers your information.
During the underwriting process, insurance companies evaluate your health and lifestyle information. The underwriting process of burial insurance involves 3 steps.
- First, it asks you about your health and gathers medical information. It includes a medical questionnaire and checking of drug history.
- Secondly, it evaluates the risks. Risk assessment is conducted through your age, lifestyle habits, and family health history.
- Thirdly, the results are analyzed and coverage is offered accordingly.
Best Burial Insurance For The Visually Impaired
Final expense insurance has several plans, offering different features. Some of the best and affordable burial insurance for blind individuals are:
Simplified issue
We cannot deny the fact that no one likes to wait. Everyone wants insurance and its benefits as soon as possible. Similarly, if you want life insurance with no waiting period, buy a simplified issue. This plan offers quick benefits to dependents.
Moreover, you do not have to wait for weeks to get an approval. You receive approval in a day. Simplified issues is an affordable plan. It is cheaper than a guaranteed issue. And, there is no medical exam. Without taking a medical exam, you receive the coverage. Insurers, however, ask medical questions.
However, it has limited coverage. Also, groups are made through the risk assessment. If you have serious health problems, you are grouped into a risky class. You have to pay a higher rate.
If you want to get the lowest rates, buy a guaranteed issue. A guaranteed issue is best for applicants with serious medical conditions. It is the best burial insurance for visually impaired individuals. Also, there are other types of life insurance you can buy.
Types of Life Insurance
Some basic policies of life insurance are:
Term life insurance
This plan offers coverage for a short time. It has a term policy and if the applicant dies during the period, he gets protection. However, if the applicant dies after the term policy, it will not offer protection. And there is no cash value buildup.
Whole life insurance
This plan is a permanent life insurance. The applicant gets protection for his lifetime. It also has cash value buildup. However, it is more expensive than term life insurance. You have to pay monthly premiums throughout your life.
Group life insurance
As the name shows, this insurance plan covers all group members. It is an agreement between an insurance company and dependents to cover all the members.

Why Should I Buy Final Expense Insurance?
Blindness comes with many challenges. You face difficulties in your daily life activities. There are times when you may feel like a burden on your loved ones. By buying a final expense insurance, you remove the financial burden for your family. This gives you a peace of mind.
After your death, your loved ones receive an immediate financial compensation. With the help of this fund, they can cover your funeral and burial expenses. They can also pay for your unpaid bills easily. Whether they are medical bills or unpaid debts, final expense insurance covers them all.
Besides, your family can protect their resources when you buy funeral insurance. It also offers coverage for blind people at a low cost. It is considered as affordable final expense insurance for visually impaired people.
Conclusion
You can now secure burial insurance with vision impairment. It covers all your end-of-life costs and other expenses. Buy final expense insurance today and offer financial protection to your family.
If you are having difficulty finding burial insurance with vision impairment, visit lifeasehealth for the best guidance. You can buy affordable burial insurance and secure your family from financial burdens.
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If you want burial insurance with no waiting period, purchase a simplified issue. This insurance plan is famous for quick approval and immediate funds. However, if you have any serious medical problem, coverage is not guaranteed. For guaranteed coverage, you can buy a guaranteed issue.
The monthly premium of the insurance depends on your health condition. The cost of the insurance depends on your health and the causes of the medical condition. The premium rate is less for people who are blind due to accidents. Whereas, the premium rate is higher for blindness due to illness.
During the underwriting process, the insurer will assess the risks. After assessing the risks through age and health condition, it will offer coverage. This means that your age and health status will decide the protection you receive.