Guide To Burial Insurance With Pre-Existing Conditions

Burial Insurance With Pre-Existing Conditions

Burial Insurance with pre-existing conditions, If you are looking at getting a burial insurance plan but have some pre-existing conditions or health issues, you are not alone.

There is no reason to get frustrated, because with most health conditions you will be able to get coverage. Keep reading this guide to get an idea on how some of the most common conditions are covered for funeral insurance.

You can get an instant burial insurance quote by entering your information in the quick quote tool on this page or by calling 920-545-4884  From the results you’ll be able to determine who has the best burial insurance.

Funeral insurance with pre-existing conditions

Most people understand that life insurance rates are based on three primary aspects of the applicant:

  1. Your age at the time of application
  2. Your current health and your health history
  3. The face amount (death benefit) that you wish to
    purchase

Certainly, the age part is simple and the face amount for your life insurance is
typically based on the estimated cost of a funeral and burial service; but the
health part can be a little more complicated and that’s why it’s not part of
the instant quote tool.

Until the underwriter has all of the medical information, it’s impossible to deliver accurate life insurance quotes that you can count on.

The good news about the medical underwriting is that the life insurance companies are aware that most seniors will bring medical issues to the table and the majority of insurers have liberal underwriting guidelines to accommodate burial insurance for seniors with preexisting conditions.

How to get Burial Insurance with Pre-Existing Conditions

How to get Burial Insurance Pre-Existing Conditions

Rather than being in suspense when you’re shopping for burial insurance with pre-existing conditions, we intend to walk you through the what, why, and how of life insurance so you will not automatically select a policy with horrendous rates and a waiting period before you can die of natural causes.

Most life insurance companies that offer burial insurance have three plans to accommodate those applicants that are dealing with serious or multiple health issues. The plan you qualify for helps us to find who has the best burial insurance with your medical condition.

If you’ll invest a little time in reading this burial insurance with pre-existing conditions guide, you’ll learn what to expect while you’re shopping for life insurance and better equipped to make an informed decision.

Medical Underwriting – How it Works and How it affects the Rates You’ll Pay

Before we get into the nuts and bolts of medical underwriting – you need to be assured that you can purchase burial insurance no matter how unhealthy you are. In fact, buying burial insurance plans is much easier than you’d think.

As long as you are alive and within the eligible age group required by the company (typically 50 to 85), we can provide you with high-risk burial insurance, funeral insurance, or final expense insurance. Period.

To determine which life insurance plan you are eligible for and your final burial insurance cost, the insurance underwriter will gather your health information using the following:

  1. The information you provide on the life
    insurance application
  2. The information provided by the Medical
    Information Bureau (MIB)
  3. The information provided by a Prescription Drug
    report

The good news is you will not have to undergo a life insurance medical exam to get the best burial insurance!

Once this information is gathered and reviewed (reports are electronic so it’s quick and easy), the insurance company underwriter will make a decision on which type of plan you qualify for and how much your monthly premium will be.

Health Issues and How they Might Affect Burial Insurance for Seniors

Certainly, you’d like to know which health issues are
unlikely to affect the life insurance plan you can qualify for and which issues will put you
in a high-risk plan with a waiting period.

In our guide to burial insurance with pre-existing conditions, we will list below the most common health issues for life insurance for seniors with pre-existing conditions and provide the information you need so you’ll be prepared for the likely outcome of your insurance plan and its monthly premium:

We have sorted some of the most common pre-existing conditions alphabetically. Click on the first letter of the condition you are concerned about to jump directly to that information.

A BCD E
FGHIJ
K LMN O
PQRS T
UVWXY
and Z

The types of Burial Insurance Plans

As we mentioned earlier, most life insurance companies that offer burial insurance or funeral insurance plans have three plans available to accommodate the needs of every applicant. Each plan has different rates and each plan has a different method of how they will pay a death benefit. The level benefit plan is typically considered the best burial insurance because of lower burial insurance costs and no waiting period. The plan you qualify for will also determine how does burial insurance work.

Level Benefit Plan

A Level Benefit Burial Insurance Plan is a traditional whole
life insurance policy that has level premiums throughout your lifetime and
provides coverage for death resulting from natural causes or accidental causes
from the first day. Like a traditional whole life policy, a Level Benefit Plan
comes with the guarantees and benefits that seniors can depend on and is burial insurance with no waiting period.

  • Life insurance coverage for a lifetime than
    cannot be canceled by the company for any reason other than non-payment of
    premium.
  • Once the policy is issued, the monthly premiums
    cannot be increased by the company.
  • The policy will build cash value over time that
    can be accessed via policy loans, withdrawals, or surrender for cash.

Applicants who answer no on all the health questions and have a clean MIB and Prescription report typically qualify for the Level Benefit Plan and pay the lowest rates for burial or funeral insurance coverage.

To qualify for a level benefit plan, which is the best burial insurance, the health questions on the application must be answered “NO.” Here is a sample of the health questions on a typical burial insurance application:

If you answered “YES” to any question in Part A, the life insurance company will typically offer a Modified Benefit Plan but the following questions must be answered “NO” to qualify:

If you answer yes to any of the above-mentioned questions, the life insurance company will typically offer a Graded Benefit Plan but the following questions must be answered “NO” to qualify:

If you answer yes to any of the above-mentioned questions, the life insurance insurance company will offer a Guaranteed Issue or (Guaranteed Acceptance) Plan that does not consider health conditions as part of the underwriting process.

This may seem confusing at first but the good news is your independent agent will walk you through the process and will do everything possible to make sure you qualify for the best plan with the lowest burial insurance cost.

You should never accept a Guaranteed Issue (Guaranteed Acceptance) plan without speaking with an experienced and reputable agent first. The guaranteed plan (no medical underwriting) should always be your plan of last resort.

Modified Benefit Plan for Burial Insurance with Pre-Existing Conditions

Applicants who do not qualify for the Level Benefit Plan
because they answered “YES” to one of the health questions, can qualify for a
Modified Benefit Plan if they answer “NO” to the health questions in the second
part of the application but this is not the same as burial insurance with no waiting period.

Although the rates for the Modified Benefit Plan are only a
little higher than a Level Benefit Plan, the life insurance company will generally impose a
two-year waiting period before they will pay the full death benefit for death
due to natural causes.

In most cases, if the insured dies from natural causes during the first two years of coverage, the life insurance company will refund all premiums paid plus an additional percentage that normally starts at 10%.

If the insured dies as a result of accidental causes, the life insurance company will pay the full death benefit from day one of the policy’s coverage.

Graded Benefit Plan

The Graded Benefit Plan was designed for applicants who will
not medically qualify for a Level Benefit Plan or the Modified Benefit Plan.
The difference between graded benefit, modified benefit, and level benefit is
how the company will pay out a claim.

Although life insurance companies may vary on how they pay a
death benefit with their graded benefit plan, the policy typically has 
a provision that the life insurance insurance company will pay a smaller death benefit if the
insured dies from natural causes in the first two or three years.

For example, if the insured dies from natural causes in the first year of coverage, the life insurance company will pay 25% of the policy’s death benefit.

In year two, the company would pay 50% and in year three they’d pay 75%. After year three, the life insurance company would pay the full death benefit. It’s important to note that these benefit payments will likely differ from company to company.

The waiting period (graded benefit period), would not apply
if death results from an accident. Most companies will also charge a higher
premium for their graded benefit plan because they are accepting a higher
health risk.

Guaranteed Issue Benefit Plan for Burial Insurance with Pre-Existing Conditions

Also known as Guaranteed Acceptance, the Guaranteed Issue
Plan was designed for applicants with serious or multiple health conditions who
could not medically qualify for the Level Benefit, Modified Benefit, or Graded Benefit
Plans and is significantly different than burial insurance with no waiting.

Since there is a two or three-year waiting period, much
higher monthly premiums,  and a lower cap
on the amount of insurance available, the Guaranteed Issue Plan should only be
selected as a last resort when you need insurance are not as concerned about your burial insurance cost.

Similar to a Graded Benefit plan, if the insured dies from
natural causes during the waiting period, the death benefit will equal the sum
of all premiums paid in plus an additional percentage (usually 10%).

The life insurance companies that offer this type of burial
insurance (not many do) will not consider your health situation in order to
issue a policy. If you are within the eligible age range and still alive, the
insurance company will issue a Guaranteed Issue life insurance policy.

To illustrate the premium difference between a Level Benefit Plan and Guaranteed Issue Plan, we are showing the burial insurance quotes for a male non-smoker for a $15,000 burial insurance policy.

Age of ApplicantLevel Benefit PlanGuaranteed Issue Plan
50$43.45$76.89
55$52.87$84.35
60$66.38$93.75
65$81.60$125.23
70$107.65$146.27
75$147.91$206.83
80$207.99$340.42
85$287.51$472.73

As you can see from this rate chart, there is a drastic difference between the monthly premium for the Level Benefit Plan and the Guaranteed Issue Plan. This is why we refer to the latter as life insurance of last resort.

How Does Burial Insurance Work and a Quick View of the different types of Burial Insurance

types of burial insurance

Please note that the benefit modifications listed above will vary by the insurance company and your agent will do everything possible to issue the best policy available.

Our Complete Guide to Common Medical Conditions that could Affect Your Burial Insurance with Pre-Existing Conditions

In this guide for burial insurance with pre-existing conditions, we will be discussing all of the most common medical issues that seniors have reported to insurance companies over the years and which of them caused a problem with getting senior burial insurance or driving up rates for the applicant.

Before getting into each issue and discussing them in-depth, let’s look at the 10 most common health issues that seniors generally deal with when shopping for a burial insurance policy. These medical conditions will generally impact the rates for burial insurance for seniors over 70 and through age 85.

  1. Cognitive Decline – Although most people suffer some memory issues as they age, being diagnosed with Alzheimer’s disease is a major health issue that can have a catastrophic effect on anyone, especially seniors. Early detection is key in slowing the process but went it comes to life insurance, the only option will be a guaranteed issue policy.
  2. Balance Issues – We’ve all seen the TV commercials where a senior proclaims “I’ve fallen and can’t get up!” Unfortunately, many seniors develop balance issues late in life that can result if physical injuries. Although a fall is not going to affect your life insurance rates, an underlying issue that caused the fall could be problematic.
  3. Heart Disease – For seniors over the age of 65, heart disease is considered the leading cause of death. Typically heart disease includes health issues like high blood pressure and high cholesterol so these issues need to be properly managed with medication (if needed), diet, and exercise. This is a rather broad category so we will discuss the health issues considered heart disease later in our complete guide.
  4. Arthritis – Since Arthritis affects more than 49% of adults over 65, this health issue is considered the number one condition that seniors have to deal with. Fortunately, seniors who have arthritis need not be concerned about it impacting life insurance rates unless arthritis causes you to be wheelchair-bound or requires assistance with daily living activities. For insurance companies, arthritis is not a big deal.
  5. Cancer – Cancer can cause major problems for people of any age. But for seniors, however, cancer is the second leading cause of death for those folks who are 65 or older. Like heart disease, cancer is a leading cause of death and does not discriminate as far as age is concerned. Burial insurance companies generally aren’t concerned about basal skin cancer and will generally not inquire about it in the application process and will not impact the rates for you burial insurance policy.
  6. Respiratory Disease – COPD and asthma have become an issue for seniors as well. In most cases, since neither disease can be cured, many seniors bring asthma and COPD into their senior years from an earlier part of their lives. Because of the seriousness of most respiratory diseases, burial insurance companies are likely to charge a higher premium and require a waiting period in the policy they offer.
  7. Diabetes – According to the CDC, at least 25% of people 65 or older are living with diabetes which is a significant health risk if not managed properly. In fact, more than 50,000 deaths were reported for seniors in 2014 that were directly related to diabetes. In the majority of cases, burial insurance companies do not find diabetes (if managed properly) an issue that would cause an increase in rates or a declined application.
  8. Poor Oral Health – Although not all seniors lose their teeth, serious issues like gingivitis and periodontitis, a bacterial infection that affects the gums and bones that support the teeth, can be common in seniors. Proper oral care is important and getting you’re teeth cleaned every six months can help prevent infections that can lead to a loss of teeth and even heart issues. Unless you are suffering from a heart condition connected to oral health, most burial insurance companies are not that concerned about the issue.
  9. Substance Abuse – Several national reports have stated that one in five seniors has dealt with alcohol abuse at some point in their lives. And, while many seniors take multiple prescription medications, there is certainly a risk of medication contradiction that could lead to health issues along with the possibility of addiction. For this reason, burial insurance companies will order a report on prescription medications as part of the underwriting process.
  10. Depression – The American Psychological Association has reported that 15 to 20% of seniors are dealing with or have dealt with depression. As a threat to a senior’s health, depression can be responsible for lowering a person’s immunity which can lead to the inability to fight off infection. Although depression is not typically a health issue that will affect burial insurance premiums, underwriters will take a close look at medications being prescribed by the applicant’s physician.

How a Burial Insurance Policy can be affected by Health Issues

No matter what your health issue or issues may be, it makes
sense that we learn how each one may or may not affect your life insurance rates
and which type of policy will be offered.

It’s important to remember, that burial insurance companies differ when it comes to medical underwriting, so you’ll need to depend on an independent agent that represents many companies to get the best burial insurance policy possible.

Before we look into the many health conditions that seniors deal with and can affect their burial insurance rate classification, let’s first take a look at the medical underwriting and what is covered by burial insurance.

 

Medical Information Bureau (MIB)

Medical Information Bureau (MIB)

First of all, the MIB is not a gigantic database in the
cloud that contains every piece of medical information about you. In fact, the
information in the database does not come from doctors or hospitals. And yes,
you will have to give the insurance company permission to access this data.

The data in your file at the MIB contains only the information that you have provided to an insurance company on the insurance application.

It is kind of like a deposition you give before you testify, and will be looked at when you apply for burial insurance with pre-existing conditions

The information is obtained only from member companies that
work with the MIB (which is pretty much all of them) and is used to compare the
answers you provide on a new application with the answers you’ve provided on
past applications when applying for burial insurance with pre-existing conditions.

Insurance underwriters will order this report electronically and then compare it with the application you have just submitted to determine if there are any discrepancies, errors, or omissions.

You can think of it as a written lie-detector test. Your insurance underwriter is not looking for an “ah-ha, you’re lying” moment, they are simply trying to gather medical facts and determine the risk being presented to them.

Do not fear the data in the MIB! In most cases, the information therein is never an issue and in a lot of cases, this data will actually benefit you and even reduce the cost of burial expense insurance. The good news is if there is you can order a report yourself and dispute information you believe is not accurate; kind of like the credit bureaus.

Prescription Database

Prescription Database

In addition to your MIB report, the insurance company will
order a Prescription Drug report that provides information on any drugs you’ve
been prescribed by a physician.

Your insurance company will review this report to verify the
prescription drugs you are taking now along with prescription drugs you’ve
taken in the past.

There are two things that applicants need to understand
about the prescription drug report:

  1. The insurance underwriter will assume that you
    are taking or have taken any drug listed on the report.
  2. Some prescription drugs are used to treat
    multiple underlying health issues so the underwriter may have additional
    questions for you to clear up any inconsistencies.

Once again, the underwriter is not trying to catch you in a
lie, they are simply verifying your answers to the health questions on the life
insurance application. Please understand, however, the insurance company is
going to give your prescription report the most weight while determining your burial insurance cost.

If there is a discrepancy between your answer on the
application and the information in the report, the underwriter will almost
always go by what the report indicates.

Health Questions on the Application ❗[Most Important]❗

Health Questions on the Application

Underwriters believe that the most important medical
information they should consider is the information you provide on the
insurance application.

Knowing this, it is critical that you read and completely
understand each question before you answer it. Moreover, it’s very important
that you are aware of the time-frame (if any) that is contained in each
question.

For example, “in the last 10 years have you…” or “have you ever” can make a world of difference for any particular question.

If any question is unclear in your mind, stop whoever is asking the question (usually an agent, or underwriter if a telephone interview) and ask them to repeat the question with the context (time frame).

Saying you’ve never smoked cigarettes is not the same as quitting smoking cigarettes three and a half years ago. Protect yourself against higher rates or even a decline by completely understanding a question before you answer it.

And, most importantly, never lie or mislead. Every insurance policy contains a contestability clause (usually 2 years) that allows the insurance company to investigate a claim during the contestability period.

If, for example, you were to die of lung cancer a year and a half after you bought life insurance and claimed you’ve never smoked, you can bet the insurance company will investigate the entire application.

Certainly, if the company determines that you lied or misrepresented the facts on your application, the claim filed by your beneficiary will be denied.

Finally, and maybe most importantly, never offer information
that has not been asked for. Many people (especially seniors) like to talk about
every ache and pain or cough and sneeze. There is no reason to offer medical
information that has not been requested on the application. If the underwriter
doesn’t ask about an illness, it means that the illness will not affect your
rates or ability to purchase life insurance.

Now that we’ve gotten the application process out of the way, let’s talk about health conditions that may or may not affect your burial insurance rates or your ability to qualify for the best policy available.

A

Alzheimer’s Disease

Burial insurance with Alzheimer's

Alzheimer’s and Dementia are typically one and the same as
far as burial insurance companies are concerned and it’s highly unlikely that
an application for level benefit life insurance will be accepted. Regretfully, this impacts the rates of burial insurance for seniors over 80 on a regular basis.

Insurance agents will know upfront that the only possibility of offering burial insurance to an applicant with Alzheimer’s or Dementia is to offer a guaranteed issue burial insurance policy.

Even though there will be a two-year waiting period and higher rates, it’s certainly a good option rather than having no burial insurance to pay for final expenses like funeral and burial costs.

Waiting Period Required?  [✔️] Yes [  ] No

Level Benefit Plan? [   ] Yes [ ] No

CLICK HERE TO READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH ALZHEIMER’S

Aneurysm

burial insurance with an aneurysm

The aneurysm is one of those health issues that insurance
companies do always agree on. Some companies are not concerned with applicants
who disclose they’ve had an aneurysm recently or in the past and then there are
others that only offer coverage with a waiting period and higher rates.

Knowing this, it’s critical that you shop with an
independent insurance professional that represents many burial insurance
companies, especially those with the most liberal underwriting guidelines.

Even if your rates are a little higher, it’s a lot better
than having a two year waiting period which doesn’t provide coverage if you die
from natural causes.

Waiting Period Required?  [  ] Yes [ ] No

Level Benefit Plan? [ ✔️ ] Yes [   ] No

CLICK HERE TO READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE AFTER HAVING AN ANEURYSM

Angina

Burial Insurance with Angina

Angina is typically a symptom of underlying serious heart
problems. When you experience severe chest pain it is an indication that the
heart muscle is not getting enough blood rich with oxygen.

In any case with angina, once your physician has ordered the
necessary tests and established the underlying cause of the symptoms, you’ll
either be given a prescription or be scheduled for surgery.

Angina makes it difficult to purchase any type of level
benefit life insurance because whether you are taking prescription meds or
having surgery, a life insurance company is not going to take a chance on you until
at least a year after you’ve stopped needing meds or had surgery.

Angina will definitely disqualify you for a level benefit
and a guaranteed issue policy will likely be your only alternative. 

Level Benefit Plan? [   ] Yes [ ] No

Waiting Period Required?  [✔️] Yes [  ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH ANGINA

Anxiety Disorders

funeral insurance with anxiety disorder

Whenever panic and anxiety symptoms intensify and become
anxiety attacks and panic attacks, it’s more than likely an anxiety disorder.
Anxiety disorders consist of panic disorder, social anxiety, and anxiety
disorder and are generally treated with medication and psychotherapy.

Burial insurance companies treat panic and anxiety disorders
in the same manner as depression and there is an abundance of companies that
are perfectly willing to accept and approve your application for burial
insurance. These life insurance companies will offer you insurance coverage
that begins immediately, and rates that are the same as a person in very good
health.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH ANXIETY

Arthritis

Burial insurance with arthritis

Unless you have arthritis so severe that you are crippled
and confined to a wheelchair, you’ll not have any problems getting a level
benefit burial insurance plan. Arthritis does not kill people but it can make a
person totally disabled and if so, you’ll likely pay a higher rate for burial
insurance.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

CLICK HERE TO READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH ARTHRITIS

Asthma

burial insurance for people with Asthma

Although Asthma may be an issue if your doctor used the term
COPD on your diagnosis, an Asthma diagnosis is not going to prevent you from
qualifying for a level benefit burial insurance plan. In most cases that we
have dealt with, applicants with asthma have no problem with life insurance
companies accepting this health condition.

Level Benefit Plan? [✔️] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH ASTHMA

Atrial Fibrillation (AFIB)

Atrial fibrillation is a common type of heart
arrhythmia (irregular heartbeat) that interrupts the normal flow of blood. This
interruption will typically put you at risk of blood clots and stroke. Between
2.7 and 6.1 million U.S. people have AFIB.

Many life insurance companies
differ in their risk assessment when it comes to AFIB, some carries are
perfectly okay with it but others will want a higher premium and a two-year
waiting period to accept the risk.

We’ve also found
over the years that not many life insurance companies even have a question regarding AFIB on
the burial insurance application.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH AFIB

B

Bi-Polar Disorder (Manic Depression)

Burial insurance with Bi-Polar Disorder (Manic Depression)

Bipolar disorder, formerly called manic depression,
is a mental health disorder that causes severe mood swings that include
emotional highs (mania or hypomania) and lows (depression). When you are
depressed as a result of bipolar disorder there is typically a feeling of severe
sadness and hopelessness which results in the patient becoming bedridden with
no interest in traditional activities.

Although many burial insurance companies refuse to accept a
risk with bipolar disorder, there is a select few who will still offer a level
benefit burial insurance plan. This is another example of when you’ll want to
shop with an independent broker that represents many life insurance companies.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR ARTICLE ABOUT BURIAL INSURANCE WITH BI-POLAR DISORDER

Blindness

burial insurance with Blindness

Although blindness is considered a partial disability, most
burial insurance companies will offer a level benefit burial insurance plan.
The only instance where we’ve found a difficult case to place is when the blind
applicant needs professional help with activities of daily living.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WHEN BLIND

Blood Clots

Burial insurance with a blood clot

Having blood clots often results in a prescription for blood thinners like Plavix, Warfarin, or Coumadin.

Yes, there are some burial insurance companies out there are unlikely to offer level benefit burial insurance when on these medications and they will likely charge more premium and impose a waiting period before they’ll pay the full death benefit if you died from natural causes.

There are, however, some life insurance companies that will offer a level benefit burial insurance plan even if you are currently on a blood-thinning medication.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH BLOOD CLOTS

Bronchitis

Burial insurance with bronchitis

In our opinion, bronchitis is typically misunderstood by the
public. There is the type of bronchitis that you get during cold or flu season,
and then there’s chronic bronchitis which has no cure, gets progressively
worse, and must be managed.

For applicants with the regular type of bronchitis which is
typically cold or flu symptom, most life insurance companies will offer a level
benefit burial insurance plan. But, if your doctor diagnoses you with chronic
bronchitis (COPD) you’ll likely be forced to by a modified benefit plan or a
guaranteed issue plan.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH BRONCHITIS

C

Cancer (excluding basal cell skin cancer)

burial insurance with cancer

Certainly, cancer is terrible and never discriminates
against its victims. With life insurance, cancer diagnoses are all about the
timing.

For example, if you’ve been diagnosed with any type of
cancer other than basal cell skin cancer in the last two years, forget about
qualifying for any burial insurance plan that doesn’t have a waiting period. Finding traditional burial insurance for cancer patients can be a significant challenge that is typically only overcome with a guaranteed issue policy.

The good news is that some life insurance companies will crack the door open after the two-year mark and will consider a burial insurance plan without a waiting period.

Beginning in year number three, however, most of the burial
insurance companies will welcome you with open arms and you can qualify for a
level benefit plan that has affordable rates and no waiting period.

The bad news is, however, if you’ve had to deal with cancer
more than once (and a lot of people do) you will definitely have to go with a
guaranteed issue burial insurance policy.

Level Benefit Plan? Depends on the timing of the diagnosis

Waiting Period Required? Depends on the timing of the diagnosis

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH CANCER

Chronic Fatigue Syndrome

burial insurance with Chronic Fatigue Syndrome

Myalgic encephalomyelitis or chronic fatigue syndrome is a
long-term illness that causes persistent and continuous fatigue that doesn’t subsist
even with sleep or rest and affects everyday life. It typically affects the
nervous system and the immune system. It has also been diagnosed as post-viral
fatigue syndrome.

The problem with chronic fatigue syndrome (CFS) is that it
is rarely managed with drugs and the patient typically requires a chronic
fatigue specialist to assist with managing the symptoms. Since chronic fatigue
affects people differently, it’s difficult to know what effect it may have on
burial insurance.

Patients who cannot manage two or more of their daily
activities will likely be declined for a level benefit plan and the only option
will be a guaranteed issue plan.

The good news is that most patients fully recover which will
allow them to reapply for a level benefit burial insurance plan.

Level Benefit Plan? [   ] Yes [ ] No

Waiting Period Required?  [✔️] Yes [  ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH CFS

Congestive Heart Failure

Burial insurance with Congestive Heart Failure

Every life insurance company considers applicants with congestive heart failure (CHF) high-risk burial insurance applicants and will always rate up or decline coverage as a result.

There are burial insurance companies out there that will
offer immediate coverage but only with a substantial increase in rates. Many
seniors may find this table rating unaffordable and decide to just go with a
lower-priced guaranteed issue policy and pray they don’t pass during the
waiting period.

They will, however, be covered for death due to an accident
from the first day.

Level Benefit Plan? [ ✔️ ] Yes [   ] No (A substantial table rating will likely apply)

Waiting Period Required?  [✔️] Yes [  ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH CHF

COPD (Chronic obstructive pulmonary disease)

Chronic Obstructive Pulmonary Disease (COPD) typically
consists of severe emphysema or chronic bronchitis or both. It is a non-curable
progressive illness that is typically managed with some form of a bronchial
dilator.

Although some life insurance companies will offer
immediate coverage for applicants with COPD, in almost every case there will be
a significant table rating (rate increase) to deal with. There are also a few
life insurance companies that will offer first-day coverage which may or may
not be worth having to pay very high rates. Many applicants find they can buy
burial insurance cheaper if they are willing to accept a waiting period and opt
for a guaranteed issue burial insurance plan.

Waiting Period Required?  Depends on the stage of the disease

Level Benefit Plan? [ ✔️ ] Yes [   ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH COPD

Cirrhosis

burial insurance with Cirrhosis of the liver

Cirrhosis is scarring of the liver that is typically caused
by continuous liver damage. The scar tissue replaces healthy tissue in your
liver which prevents your liver from functioning properly.

Although it may take many years, cirrhosis can’t be healed
and can be fatal and as such, most life insurance companies are reluctant to
offer a level benefit burial insurance plan without a waiting period.

Certainly, the alternative when you have cirrhosis is to
apply for a guaranteed issue burial insurance policy.

Waiting Period Required?  [✔️] Yes [  ] No

Level Benefit Plan? [   ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH CIRRHOSIS

Crohn’s Disease

funeral insurance with Crohn’s Disease

Crohn’s disease is a condition that is generally long term
and results in inflammation of the lining of the digestive system. The
inflammation typically occurs in the last part of the small intestine (ileum)
or the large intestine (colon).

Although Crohn’s disease can lead to painful symptoms, most
burial insurance companies will offer a level benefit burial insurance plan.

Waiting Period Required?  [  ] Yes [ ] No

Level Benefit Plan? [ ✔️ ] Yes [   ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH CROHN’S

D

DVT (Deep Vein Thrombosis)

Burial insurance with Deep Vein Thrombosis (DVT)

Deep vein thrombosis (DVT) is a blood clot that occurs
within a deep vein in your body, normally in your leg.

Blood clots that develop in a vein are also referred to as
venous thrombosis.

DVT usually develops in a deep leg vein, which is a major
vein that is running through the muscles of the calf and the thigh. It can also
appear in your abdomen or pelvis.

DVT can cause severe pain and swelling in the leg and could
cause complications like pulmonary embolism leading to death.

If you have been diagnosed with DVT but have had treatment,
most life insurance companies will not have a problem issuing a level benefit
burial insurance plan.

Waiting Period Required?  [  ] Yes [ ] No

Level Benefit Plan? [ ✔️ ] Yes [   ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH DVT

Depression

burial insurance with Depression

You are likely to witness mixed responses among a variety of
life insurance companies once you’ve been medically diagnosed with clinical
depression.

There’s no need to fret, however, because there is an
abundance of companies that usually are perfectly happy to accept and approve
your application for burial insurance. These life insurance companies will
offer you insurance coverage that begins immediately, and rates that are the
same as a person in very good health.

Some burial insurance companies charge more for applicants
with depression and may even require waiting periods. But bear in mind, there
is no cause to accept high rates and forced waiting periods considering the
number of insurers who are willing to accept applicants with depression.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH DEPRESSION

Diabetes

burial insurance with Diabetes

When you think about it, who doesn’t have diabetes these
days? Diabetes is just too common a health issue that we encounter regularly. A
large amount of burial insurance clients cope with and attempt to manage
diabetes in some fashion or another. This is most likely why there are so many insurers
that readily accept this health condition.

To begin with, if you have got controlled diabetes, you will
generally have no difficulty qualifying for standard rates and immediate
coverage. Even if you are somewhat overweight, it will not make a difference.
We represent many burial insurance companies that will approve your application
without hesitation.

There are, however, a variety of complications that could
develop from diabetes. Nevertheless, we have burial insurance companies that
are well suited even for these high-risk situations. For example, if you have neuropathy,
it will not be an issue! We represent companies that will not charge you higher
rates or require a waiting period.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH DIABETES

Dialysis

burial insurance when on Dialysis

Patients who are on dialysis are typically in
end-stage-renal-failure and in most cases are on a transplant list for new
kidneys. The fact that you are even on a transplant list for any vital organ
disqualifies you from traditional life insurance or level benefit burial
insurance.

Dialysis equals decline, plain and simple, but you can still
purchase a guaranteed issue burial insurance plan. The two-year waiting period
will be critical for those who are on dialysis and waiting for a transplant.

The good news, however, is that when you have come off
dialysis and have stayed off for at least a year, you will likely be eligible
for a level benefit burial insurance plan.

Level Benefit Plan? [   ] Yes [ ] No

Waiting Period Required?  [✔️] Yes [  ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE ON DIALYSIS

E

Epilepsy

burial insurance with Epilepsy

Epilepsy is a chronic condition, the characteristic of which
is reoccurring, unprovoked seizures. An individual is typically diagnosed with
epilepsy if they have two unprovoked seizures that were not brought on by some
recognized and reversible medical issues such as alcohol withdrawal or severely
low blood sugar.

Here’s the concern regarding epilepsy. There are a lot of
burial insurance companies that will accept epilepsy and issue a policy.
However, epilepsy can be problematic if it has an impact on your daily living.

For instance, if you can manage your daily needs,  you’ll likely qualify for immediate insurance
coverage and the lowest rates.

If, however, you require home health care to help you with
daily activities, you will undoubtedly have to pay a more expensive monthly
premium. Additionally, you will probably be subject to a waiting period.
Applicants who are dealing with epilepsy will need to speak with one of our
burial insurance professionals and find a company that will work with you.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH EPILEPSY

F

Fibromyalgia

burial insurance with Fibromyalgia

Buying a level benefit burial insurance plan is not a
problem if you’ve been diagnosed with Fibromyalgia. Although this disease can
cause bouts with severe pain, it’s not considered life-threatening unless there
clinical depression is becomes associated with the pain.

Our records indicate that the majority of insurers will
offer a level benefit burial policy without any waiting period required.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH FIBROMYALGIA

G

Gout

burial insurance with gout

Gout is a well-known kind of inflammatory arthritis that is
extremely uncomfortable. It generally affects a specific joint (usually the big
toe joint). There are occasions when symptoms get severe, referred to as
flares, and occasions when there are no symptoms, referred to as remission.

Burial Insurance companies treat Gout in the same manner
they treat arthritis so insurers have no issue with issuing a level benefit
burial insurance plan with no waiting period.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH GOUT

Graves’ Disease

burial insurance with Graves’ Disease

Graves’ disease is immune systems disorder that causes the
excessive production of thyroid hormones. Although a number of conditions may
result in hyperthyroidism, Graves’ disease is a prevalent cause.

Although there are many symptoms that accompany Graves ’
disease, they are not considered life-threatening and as such, Graves’ disease
will not prevent you from qualifying for level benefit burial insurance.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH GRAVES’

H

Heart Attack

burial insurance after a heart attack

To begin with, if you’ve had a heart attack during the last
year, you’ll pay significantly more for coverage and a full two year waiting
period will be required. All burial insurance companies will react this way if
you have suffered a heart attack during the last 12 months.

If, however, 12 months have passed since having a heart
attack, you’ll likely have multiple options. Essentially, there are a handful
of burial insurance companies that only inquire about heart attacks within the
last year and most of them will offer immediate coverage and lowest rates since
it’s been 12 months since your heart event happened.

After two years, however, 
heart attack is no longer a factor in getting level benefit burial
insurance. Typically, burial insurance companies ask about heart attacks within
the last two years only. 

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH HEART ATTACK

Hepatitis C

burial insurance with Hepatitis C

Viral hepatitis, which includes hepatitis A, hepatitis B,
and hepatitis C, is a group of specific disorders that affect the liver. Each type
of hepatitis has different symptoms and treatments. Various causes of hepatitis
include non-sterilized surgical environments, sharing needles while using
drugs, and unprotected sex with an infected partner.

Although applicants with hepatitis will face increased
premiums, you’ll likely be able to obtain first-day coverage from the majority
of insurers that offer burial insurance.

Level Benefit Plan? [   ] Yes [] No (expect higher rates)

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH HEPATITIS

High Blood Pressure

funeral insurance with high blood pressure

For applicant’s who have high blood pressure and are taking
medications, you can expect to be able to purchase a level benefit burial
insurance plan with no waiting period requirement.

Having high blood pressure has never been much of an issue
for insurers that offer burial insurance, especially if you are managing it
according to your doctor’s instructions.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH HYPERTENSION

HIV/Aids

Life Insurance with HIV

Human immunodeficiency virus (HIV) is the virus that results
in AIDS. HIV weakens an individual’s capacity to fight infections. It is
generally caught during unprotected sex or sharing needles. Getting burial insurance for HIV patients is difficult but not impossible by any means.

Although great efforts have been taken to manage this
horrible disease, it regrettably continues to be a very high risk condition for
life insurance underwriters.

Your only way of obtaining a new burial insurance policy is
by purchasing guaranteed issue burial insurance. This type life insurance
policy guarantees coverage to anyone who applies and is within the acceptable
age group.

Level Benefit Plan? [   ] Yes [ ] No

Waiting Period Required?  [✔️] Yes [  ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH HIV/AIDS

Receiving Home Health Care

If you require home health care, the important question is
whether it is permanent or temporary.

If your home health care is going to be permanent, there is
only one or two burial insurance companies that will accept you so you’ll need
to contact a broker that has one available so you can qualify for level
benefits with no waiting period.

If your home health care is temporary, it’s probably best if
you can wait until it’s completed before applying for burial insurance. This is
recommended because there is a considerable number of burial insurance
companies that ask about current home health care.

If you’re able to wait until your temporary home health care
is completed, you’ll qualify with these companies that offer level benefit
burial insurance.

Level Benefit Plan? [ ✔️ ] Yes [   ] No If home health care is completed

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH HOME HEALTH CARE

I

Irritable Bowel Syndrome (IBS)

burial insurance with IBS

Irritable bowel syndrome (IBS) typically affects women. What
causes IBS is currently unknown. The symptoms include diarrhea, constipation,
and abdominal cramps. Treatment for IBS typically includes diet and lifestyle
changes and medications.

Seniors who are dealing with IBS need not be fearful of
applying for burial insurance because most insurance companies do not consider
this condition life-threatening and will therefore offer level benefit burial
insurance with no waiting period requirement.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH IBS

Insulin Shock

burial insurance with insulin shock

Unfortunately, insulin shock, a very serious event, is
typically the result of a diabetic person’s mismanagement of the disease.

As a result of this mismanagement, most burial insurance
companies will respond negatively towards this dangerous event. The primary
factor that will determine if you qualify for level benefit burial insurance is
time. By that, we mean if you’ve experienced insulin shock within the past two
years, you will likely pay additional premiums and a waiting period will be
required before your policy will pay out any benefits.

However, once it’s been more than two years since the event
happened, you can generally qualify for level coverage with most companies.
This means first day coverage and the lowest rates possible.

Level Benefit Plan? [ ✔️ ] Yes [   ] No Must be at least 2 years since the event happened

Waiting Period Required?  [  ] Yes [ ] No Must be at least 2 years since last event

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE AFTER INSULIN SHOCK

K

Kidney Disease

Burial insurance with kidney disease

Kidney disease indicates your kidneys are impaired and are
unable to filter blood the way they ought to. A person is at increased risk for
kidney disease if they have diabetes or high blood pressure. If you have kidney
failure, treatment options generally include transplant or dialysis.

To start with, if you currently have stage 4 kidney disease
and on dialysis, you cannot get level benefit burial insurance. The only way a
dialysis patient can purchase burial insurance coverage is through a guaranteed
issue policy.

If you have stages 1, 2, or 3 kidney disease, you can
purchase burial insurance that will provide first-day coverage. You will pay a
larger premium as opposed to an applicant who doesn’t have kidney disease, but
regretfully there is no way to prevent that.

Level Benefit Plan? [ ✔️ ] Yes [   ] No – If not stage 4

Waiting Period Required?  [  ] Yes [ ] No – If not stage 4

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH KIDNEY FAILURE

L

Lung Cancer

Burial insurance with lung cancer

Lung cancer and long-term smoking generally accompany one another, but not in every case.

Lung cancer, like other cancers progress in stages and when advanced, lung cancer generally leads to wheezing and coughing, shortness of breath, and bloody mucus. Lung cancer can be treated, however, even in stage four.

When it comes to qualifying for level benefit burial
insurance, any diagnosis or treatment for lung cancer in the last two years
will only be possible with a guaranteed issue policy that has higher rates and
a waiting period.

Once you’ve exceeded the two-year mark, however, many
companies begin to consider former cancer patients for level benefit burial
insurance.

Level Benefit Plan? [ ✔️ ] Yes [   ] No Only following 24 months of diagnosis and treatment.

Waiting Period Required?  [  ] Yes [ ] No After years of treatment completed

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE AFTER LUNG CANCER

Lupus

life insurance with lupus

Irrespective of which form of lupus you have, all forms of
lupus are generally combined into only one category for life insurance
providers.

But, the good news is there are many carriers that readily
accept this risk by offering level benefit burial insurance coverage with no
waiting period requirement.

However, some burial insurance providers will charge a
higher premium and put you into a graded plan which will payout 30-40% of your
death benefit the first year, and 70-80% the second year.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH LUPUS

M

Melanoma

burial insurance with melanoma

Melanoma is considered the most dangerous form of skin cancer. These cancerous growths can develop when unrepaired DNA damage to skin cells triggers genetic defects that will cause the skin cells to multiply very quickly and form malignant tumors.

According to the American Cancer Society, cancer of the skin is the most common of all cancers. Although it accounts for just one percent of skin cancers, it causes the majority of all skin cancer deaths.

The very good news is that many life insurance applicants with a history of melanoma qualify for affordable level benefit burial insurance.

Level Benefit Plan? [✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH MELANOMA

 

Multiple Myeloma ( Kahler’s disease )

Burial insurance with multiple myeloma

Burial insurance companies are typically unwilling to offer
level benefit burial insurance to applicants who have been diagnosed with
multiple myeloma. Although there is no cure for multiple myeloma, the disease
can be managed for many patients over a long period of time.

With this disease, insurance shoppers need to connect with
an insurance professional who knows their way around high-risk burial insurance applicants with cancer
because they are likely to have a burial insurance provider who is willing to
work with an applicant with myeloma.

Level Benefit Plan? Depends on the insurance company

Waiting Period Required?  Depends on the insurance company

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH MYELOMA

Multiple Sclerosis (MS)

burial insurance with multiple sclerosis

The most important consideration when it comes to MS will be
how much it seems to have affected your life and daily activities. Nonetheless,
there are many burial insurance companies that will accept this disease without
applying penalties. The underwriter will approve you for level benefit
coverage.

It’s important to note, however, if the time has come when
you need help with your daily activities of living and require a caregiver, you
should anticipate paying higher premiums along with a waiting period during
your first two years of coverage.

Level Benefit Plan? [✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH MS

N

Non-Hodgkin’s Lymphoma (NHL)

burial insurance with Non-Hodgkin’s Lymphoma

The survival rate for patients with NHL depends on many
factors. However, the overall five-year survival rate for people with NHL is
71%, while the overall 10-year survival rate is 60%.

Burial insurance companies treat Non-Hodgkin’s Lymphoma in
pretty much the same manner they treat other types of cancer.

If you are unable to qualify for a level benefit burial
insurance plan, the insurer is likely to offer a graded benefit plan or a
guaranteed issue plan if the insurer sells one.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH NHL

Neuropathy

funeral insurance with Neuropathy

Peripheral Neuropathy is a disease or dysfunction of one or
more peripheral nerves, typically causing numbness or weakness and can be a
result of diabetes.

Although the disease is not considered life threatening,
many burial insurance companies consider it a high risk condition and therefore
will not offer level benefit with first-day coverage.

Once again, it is incumbent upon seniors who are shopping
for burial insurance to connect with an independent agent who specializes in
tough-to-place cases so that a carrier can be located that is “neuropathy
friendly.”

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH NEUROPATHY

O

Osteoporosis

burial insurance with osteoporosis

 

Commonly referred to as porous bone disease, Osteoporosis, although typically not life-threatening, 
can cause rating issues when applying for burial or funeral insurance. If there is a question on the application
about osteoporosis, you should assume the company considers the risk. But unless you’re specifically asked
about it, this generally means the insurance company considers it a non-issue and you’ll qualify for a level benefit plan
with the lowest rates and no waiting period.

If, however, your osteoporosis is severe enough to force you into needing help with certain activites
of daily living, your company may only offer a graded benefit or guaranteed issue policy that will include a 
a waiting period for death from natural causes.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH OSTEOPOROSIS

Oxygen (Supplemental)

funeral insurance when you are on Oxygen (Supplemental)

Regretfully, seniors that need burial insurance but are on
oxygen (unless it’s for sleep apnea) will not qualify for level benefit burial
insurance.

Since supplemental oxygen is prescribed for patients with
very serious underlying health issues, insurance companies are unwilling to
take a chance on this risk.

For applicants who are on supplemental oxygen (excluding
sleep apnea) the only alternative is guaranteed issue burial insurance with a
2-year waiting period for death from natural causes.

Level Benefit Plan? [   ] Yes [ ] No

Waiting Period Required?  [✔️] Yes [  ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE ON OXYGEN

P

Pacemaker

burial insurance with a pacemaker

When it comes to having a pacemaker to regulate your heart
rate, the timing of the installation of it is what makes the difference for
life insurance companies.

If you had your pacemaker installed within two years,
most burial insurance companies will offer a graded benefit policy but there
are a handful that will consider a level benefit plan if your pacemaker
installation has been at least more than a year ago.

If it’s been more than two years, the pacemaker is no longer
an issue and a level benefit burial insurance policy will be available to you.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH A PACEMAKER

Parkinson’s

funeral insurance with Parkinson's disease

Parkinson’s disease is considered a serious illness and can
cause some frustrations if you are shopping for burial insurance while be
treated for Parkinson’s.

Thankfully, there are a select number of burial insurance
companies that will accept applicant’s who have Parkinson’s and will offer a
level benefit plan.

If you do don’t take the time needed to find a company that
accepts Parkinson’s, you’ll likely end up buying a graded benefit or guaranteed
acceptance plan with much higher rates and a waiting period requirement. When
you find the right agent, you’ll get the best deal.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH PARKINSON’S

 

Pulmonary Embolism

pulmonary embolism

 

There is nothing simple about a pulmonary embolism. The event happens when a blood clot creates a blockage of a major blood vessel in the lung.

Typically the clot or clots are small and rarely deadly, but in cases when the clot is large enough to stop the flow of blood to the lung, it can become a deadly episode.

Getting treatment quickly can result in a saved life and a reduction of future problems. And, finding affordable life insurance that covers pre-existing conditions should be a priority if you’re not already properly insured.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE AFTER A PULMONARY EVENT

 

R

Retinopathy

funeral insurance with RETINOPATHY

Retinopathy can result from diabetes (most common) or from
continual stress. It is a health issue that most burial insurance companies
tend to only offer graded benefit or guaranteed issue coverage.

There are, however, a few burial insurance companies that
will accept an applicant with retinopathy without an increase in premium or a
waiting period when the death benefit is modified.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH RETINOPATHY

S

Sarcoidosis

funeral insurance with Sarcoidosis

Sarcoidosis is a disorder recognized by the development of
tiny collections of inflammatory cells in any element of your body but is more
common in the lungs and lymph nodes. Sarcoidosis can also impact the eyes,
skin, heart and many other organs.

Currently there isn’t a cure for sarcoidosis, but most
patients do really well with modest treatment or no treatment at all. With some
sufferers, sarcoidosis vanishes on its own. Then again, sarcoidosis can last
for years and could cause organ damage.

Over the years, we have found that the only burial insurance
company that has an issue with sarcoidosis is Mutual of Omaha. So unless you
choose Mutual of Omaha, you’ll likely be offered a level benefit burial
insurance plan.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH SARCOIDOSIS

Schizophrenia

Schizophrenia is a mental condition that most people have
heard of but no very little about. Most patients affected by this disorder can
manage their condition with psycho-therapy and medication.

Because managed schizophrenia is not considered life
threatening, many burial insurance companies will offer a level benefit plan
with first-day coverage, which means the insurance company will rate and issue
the same coverage as they would if you did not have schizophrenia.

 Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH SCHIZOPHRENIA

Seizures

burial insurance if you have seizures

Seizures are not a medical disorder in and of themselves but
rather, a symptom of an underlying health condition like epilepsy.

Over time, we have found that the majority of burial
insurance companies are not concerned with seizures and will offer level
benefit first-day coverage and standard rates.

There are some companies, however, that will only offer
graded benefit or guaranteed issue coverage so we will help you stay away from
those that do.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH SEIZURES

Sleep Apnea

sleep apnea and burial insurance

Sleep apnea is a well-known but potentially
dangerous sleep disorder when
a person’s breathing stops and starts repeatedly during the sleep cycle. If you
snore loudly and then feel tired after sleeping all night, you likely
have sleep apnea. The most
common type of sleep apnea is
called obstructive sleep apnea,
central sleep apnea, and complex sleep apnea syndrome.

Sleep apnea is typically managed using a CPAP machine which
assists the wearer with breathing regularly while sleeping.

Most burial insurance companies do not refer to this
condition unless they are asking the use of supplemental oxygen and will offer
level benefit burial insurance without a waiting period requirement.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH SLEEP APNEA

Stroke

life insurance after a stroke

Like numerous other health problems, a stroke can oftentimes
cause an applicant to pay more for burial insurance. When the stroke took place
will be the primary factor that determines whether or not your stroke has an
effect on your price for burial insurance.

If you’ve had a stroke within the last year you will not
avoid paying a higher premium for your burial insurance and along with that
you’ll typically have a two-year waiting period during which death by natural
causes will result in a modified death benefit.

There are a few burial insurance companies that will
consider a level benefit policy if 12 months have passed since your stroke
event occurred.

This will not, however, apply to applicants who report
having a TIA (mini-stroke).

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE AFTER A STROKE

T

Transient Ischemic Attack (TIA)

funeral insurance with Transient Ischemic Attack (TIA)

When you have a TIA, the flow of blood to a portion of the
brain is stopped for a short time. This is also known as a mini stroke and can
be a signal that a complete stroke may be on the way.

In a lot of cases, burial insurance companies will still
offer a level benefit burial insurance plan and will not require a waiting
period.

Make certain that you contact an agent that represents many
of the highest-rated burial insurance companies to make certain they have a
carrier that will offer a level benefit policy.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE AFTER A TIA

Tobacco Use

burial insurance when using tobacco

Most people know that smoking cigarettes will increase your
insurance rates at least 50%. What they don’t understand, however, is that
smoking cigarettes is not the only bad habit that can result in “smoker rates.”

Most life insurance applications now refer to tobacco use as
“any tobacco or nicotine product.” This means that you could wind up paying
smoker rates if you smoke, chew, dip, vape, or tobacco or marijuana.

The good news is that you will typically qualify for level
benefit first-day coverage but the bad news is you’ll likely pay 50% more for
it.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE USING TOBACCO

W

Weight Loss (Unintentional)

life insurance after Unintentional Weight Loss

Although unintentional weight loss is not normally a
question on a life insurance application, this kind of weight loss can be a
symptom of an underlying serious health condition like hyperthyroidism or
cancer.

If your MIB report or Prescription check reveals that you’ve
been treated for any serious condition that could be a factor in your loss of
weight, the insurance company may be reluctant to offer level benefit burial
insurance.

In most cases, however, the insurer will issue a level
benefit burial insurance plan without a waiting period requirement.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ON BURIAL INSURANCE WITH UNINTENTIONAL WEIGHT LOSS

Wheelchair Usage

Wheelchair Usage for burial insurance

Your burial insurance rates will depend on why you’re in a
wheelchair. For example, if you must use a wheelchair because of a health issue
like MS, Alzheimer’s, or cerebral palsy, you would not qualify for level
benefit burial insurance because of the underlying health condition, not
because of wheelchair usage.

If your use of a wheelchair is temporary or the result of a
problem with a limb and not because of a serious and continual health issue,
you will qualify for a level benefit burial insurance plan.

Level Benefit Plan? [ ✔️ ] Yes [   ] No

Waiting Period Required?  [  ] Yes [ ] No

READ OUR FULL ARTICLE ABOUT BURIAL INSURANCE WITH WHEELCHAIR USE

In Conclusion

We certainly hope that guide to burial insurance with pre-existing conditions will provide you with the information you need to understand which health conditions could impact the type of burial insurance you would qualify for.

We recommend that you first use our instant quote form to get a free and confidential final expense / burial insurance quote and then contact one of our insurance professionals at 844-528-8688 so that you can learn the exact premium you’ll pay and the exact terms of your coverage.