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please help...trying to figure out how to get money to bury me when I die and need insurance info?

I am disabled living way under the poverty line. I have only $150 or 200 after bills for food and gas and stuff. We, on medicaid, are allowed $1500 in assets. We are allowed to have term life insurance but not whole life ins.. My mom just died and we were discussing it and my son was kind of mean and said I would get the state funeral (which is only $200) and that I wanted all these extras and it would be cheap..I said what extras and he said a coffin and a gravestone (he did apologize)..I think they will try but they do not have extra money even though they both do fairly well, I assume they have a lot of bills. Since a lady in my building's son was just killed, I heard they did not have insurance or money and no funeral home would take him and he just stayed in the morgue. I am trying to figure out what to do..my son works for nationwide insurance and said no one will cover me due to health problems. I am 57 years old. I heard some term life insurance does not require an exam or questions. But the ones I see all say you must basically die within a certain window of time..if you die too soon..not covered...if you live past a certain age..not covered..are they any insurances that do not require a medical exam and a bunch of questions that does not have a window of when you must die..or could my kids get a policy on me that the SSI would not know about and say I can not have (as they only let you have term)..I do not want to draw on it just give me peace of mind at least a little will be paid to help my kids, I figure I might live at least 20 years...would they be able to get a policy on me with less than perfect health..does anyone have any suggestions or know where I might find a low premium policy that does not expire and covers you no matter how old you are at death or have some suggestion. I do have a car that takes some of the $1500 asset limits up but nothing else. Edit to secret user..I posted this in response to some things my son said today...he seems angry I do not have insurance and made some kind of mean comments that made me feel bad. He did say he shouldn't have said that & I left as he was grouchy again and ever since I have been worried..I researched on line what do they do for poor people and it said something they are used for crash dummies and medical cadavers and I don't want that but to bury you (the state) noone will claim you and they would never do that, so I guess they will bury me but now I feel awful like I am a big burden..they usually are very generous but funerals cost a lot and I know my son wants cremated but I don't want that. I think I will see if they can open a savings account and I will put a little in it a month and try to convince them to also..if I live 20 years plus, it will be something at least. I am nowhere near death's door and plan on living long but I am recently beginning diabetes and I was dating a man in his early 40's diagnosed one uyear with diabetes and he died from it so you never know but I plan on tryig to work on my lifestyle and reverse some of these illnesses. My son has a tendency to say hurtful things. This kills me as I was a very good mom and did way beyond the "call of duty" with them. I was faithful, tried, and reared them with no help from their dad and then he cheats and divorces me and is like the good guy or something..I am broke due to my choices to put them first and then health problems..I tried..I went to college after my ex left me and got a degree and a 3.9 GPA...life just did not turn out how I hoped. I have been worrying about this for three hours. thanks for your kindness. I think you are right..somehow they will manage it and I am worrying about it needlessly..I am so tired of everything happening..life is so hard You are a good woman..thanks EDIT My son assured me since they will pay for my funeral and assured me with good god mom why do you always panic. we asren't going to cart you off to the medical lab or to be a crash dummies. I just want you to understand you are going to have to have the cheapest funeral they havre sheesh! I feel relieved but may still start a savings account to make small deposits in to help some. I guess I will forget insurance as term is not a good deal. If you do not die by a certain age you have nothing and lose it all better to put it into a savings account and I would not be able to get whole due to exam, cost, and the state rules. I do have giood kids sometimes and shouldn't have got panicy cause he was in his usual bad mood. ps--the amount edicaid pays in some cases only is about $200 BTW

Public Comments

1. I'd suggest what is called a "graded death benefit" policy. I t is for people who have health problems. It has limited health questions. If you die in the first few years the death benefit is low. After say 3 years the death benefit goes up. If you die after say 6 years the full amount is paid. As long as the premium is paid, say into the 15th year, the full death benefit will be paid. Not every life insurance company has it. A Google search would probably find several.
2. There's no insurance like you're looking for. I'd strongly suggest you talk to the pastor of your church regarding this issue. If you don't belong, join one. Also, talk to a local funeral director. See if you can buy a prepaid funeral, and make installment payments for the next two years. Taht would take care of the "extra assets" issue. Likely your son is right . . . if you're in bad enough shape to be disabled, you're not going to get "odds" on life insurance, and you say you don't have the assets, so you can't afford a high risk coverage plan.
3. Janie I know that your disabled and that your wanting burial insurance. this is a good idea when one is sick and not in good shape. Because as you know then you don't leave this burden upon your kids. But I would have to say this right off I do not know of a good plan for you to suggest to you. I think when you die on disability then, you do get something for burial. Now the amount I'm not to sure? But after all you have been through and it has been a lot I certainly think that you should let your children bury you. You had them and bought them into this world. You raised them and you have done many things for them. Why wouldn't they bury their own Mother? I would hope that they would want to bury you in a nice spot so that you can rest in peace. Until the day you can meet your maker and see them again.Have a talk with your children and ask them if they will care to bury you when you die. You might see that your kids would probally say to you something like " Mom don't worry about that and of course we will bury you But, we don't need to talk about that now." I do hope that your doing very good today and God Bless You to.
4. email me at david.novack@yahoo.com and I can hopefully help you out. OH, he is going to try and sell me something. Well unless you are living in the state of MN I can not. SO I have a pretty narrow window here. Email me and I will be happy to help you out. You need help and your son is failing you.
5. Your two options are: 1. Prepaid funeral with an irrevocable trust. This is exempt from Medicaid but the monthly payment may be more than you can afford. 2. Small term-life insurance policy with guaranteed issue. The only one of these that I am aware of is sold by AARP/New York Life. I would usually never recommend this policy because the payments increase every 5-years and it ends when you reach age 80 leaving you uninsured. But it would give you term coverage that is exempt from Medicaid. Regular whole-life policies, Final Expense Policies and Burial Insurance will cause problems for your Medicaid qualification after a few years. I would stay away from them.