6 Ways To Save On Burial Insurance In Assisted Living or Home Health Care

If you are in receiving assistance with activities of daily living or home health care, you still qualify for level immediate coverage at the lowest rates. Fill out our quote form or give us a call and we will be in touch.
There are companies that will still offer your coverage as if you don’t need assisted living and give you the rates to back it up.
In this article we are going to go over your coverage options and best ways to save on burial insurance if you or a loved one are in assisted living.
Table Of Contents
- Assisted Living Definition
- How Insurance Companies View Assisted Living
- Royal Neighbors Of America
- Medications
- Other Health Conditions
- Find The Best Rates
Assisted Living Definition
Insurance companies define assisted living and home health care as needing assistance with activities of daily living such as eating, showering, bathing, etc.
To qualify for immediate coverage you cannot be in a nursing home or receiving hospice care (terminally ill).
You can still get burial insurance if you are in a nursing home or receiving hospice care but it will be a guaranteed issue policy.
How Insurance Companies View Assisted Living
First and foremost, if you or a loved one are receiving assisted living, many insurance companies will not offer coverage, and others will charge you unaffordable rates.
But not all.
Companies are competing for your business, and there are a few out there that will still offer your rock bottom rates with no waiting period.
The truth is many companies view assisted living as a high risk red flag to them, with a few exceptions.
Royal Neighbors Of America

Royal Neighbors of America is going to be your best option for burial insurance if you are receiving assistance with activities of daily living or home health care.
They do not raise rates for assisted living or home health care and still offer you coverage with now waiting period.
To get approved for this coverage you must answer no the the following question…
“Is the proposed insured Hospitalized, in a nursing facility, or receiving Hospice Care?”
If you can answer no to that question then you can qualify for level immediate coverage and save some money.
Medications
The other thing that will happen when trying to get approved for burial insurance is a prescription check.
It is very important to go over all of the medications you take because this may cause a decline by the insurance company if it’s for something serious.
Every insurance company cares about medications differently, and there are literally hundreds of different types.
When we go over your health questions we will need any serious medications you are taking to guarantee coverage with the insurance company.
Other Health Conditions
While Royal Neighbors will offer you the best rates if you are receiving assisted living or home health care, you can still be denied coverage depending on your other health conditions.
Every company will take your full health profile into account.
To make sure you are getting the best deal, and it could be any insurance company, we must go over all of the potential issues and health conditions that will change your rate or coverage eligibility.
At Seniors Mutual we are experts in finding the best coverage available.
Find The Best Rates
At the end of the day, to find the best rates available you need to use an independent agency like Seniors Mutual.
Unfortunately, many people buy an insurance policy from the first person they talk to, and end up paying hundreds or even thousands more over the years than they need to.
We work with 15 of the top insurance companies in America.
When we talk on the phone, we will go over all of your options and complete health profile to find the best coverage at the absolute lowest price!
Give us a call today or fill out the quote form and we will be in touch with you soon.