2024 Burial Insurance with Fibromyalgia
last updated on July 22, 2024Finding affordable burial insurance with Fibromyalgia is not as painful as it may seem. This article will help you get a better understanding of how you will be able to find the best policy regardless of your fibromyalgia diagnosis.
There are affordable options for you, whether your fibromyalgia is mild or severe.
This article will show how burial insurance companies underwrite fibromyalgia, your options, and how to find the most affordable burial insurance if you have fibromyalgia.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Fibromyalgia?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Fibromyalgia, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Fibromyalgia
- How Much Insurance Do I Need If I Have Fibromyalgia?
- How Should I Pay My Premiums?
- Fibromyalgia and Burial Insurance Riders
- How to Get the Best Burial Insurance Rates for Fibromyalgia Patients?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Fibromyalgia
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance With Fibromyalgia
What Is My Best Insurance Option If I Have A History Of Fibromyalgia?
MILD FIBROMYALGIA
If you have mild fibromyalgia, then you can easily qualify for level death benefit with first-day coverage. You will not have a two-year waiting period.
You will also be eligible for the lowest rate possible with mild fibromyalgia.
Best Option: Level death benefit plan with first-day coverage
MODERATE FIBROMYALGIA
It is rare for burial insurance companies to decline someone in this category. People with moderate fibromyalgia can still qualify for a level death benefit plan.
Even if you have difficulty with your chronic pain, which occasionally impacts your work and lifestyle, you will still qualify for first-day coverage.
Your coverage will be effective from day one, and you will pay the lowest price offered by the burial insurance company.
Best Option: Level death benefit plan with first-day coverage
SEVERE FIBROMYALGIA
Every burial insurance company asks if you have issues with activities of daily living (ADLs). ADLs refer to your ability to perform activities of daily living such as bathing, dressing, eating, transferring, toileting, and continence.
If your fibromyalgia prevents you from performing these activities, you will be declined for a level death benefit plan with first-day coverage.
Best Option: Guaranteed issue burial insurance
Guaranteed issue life insurance doesn’t ask any health questions, so if you struggle with ADLs, this will be the right plan.
Your approval is guaranteed with guaranteed issue life insurance because it does not turn people down due to their health conditions.
Guaranteed issue policies have a two-year waiting period. If you pass away during the waiting period, your beneficiary will not receive the full death benefit. Instead, they will get a refund of all premiums paid plus 10% interest.
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I Have Fibromyalgia, Do I Need A Medical Exam To Qualify For Burial Insurance?
You are NOT required to take a medical exam to qualify for burial insurance with fibromyalgia.
When you apply for burial insurance, you only have to answer basic questions about your health. The application process is simple; you don’t need to provide medical records or blood and urine samples.
You’ll get the official approval from the insurance company often within minutes!
Burial Insurance Underwriting If You Have Fibromyalgia
Burial insurance companies will evaluate your level of risk in two ways:
First – they will ask you questions about your overall health.
Second – they will conduct a prescription history check to validate your answer to the health questions.
Your answer to the health questions and your prescription history will help the insurance companies to determine your eligibility and the amount of premium they will charge.
HEALTH QUESTIONS:
Most burial insurance companies do not ask about fibromyalgia in their health questionnaire. This means you can easily qualify for the best plans and rates if you have a history of fibromyalgia.
PRESCRIPTION HISTORY CHECK
Burial insurance companies will always check your prescription history to identify your health issues based on the medications you are taking.
There are no specific medications for fibromyalgia. Drugs used to treat fibromyalgia include painkillers, anti-seizure, and antidepressants. The drug approved to treat fibromyalgia, such as Pregabalin (Lyrica) is also used to treat other medical conditions like neuropathy and epilepsy.
Some burial insurance companies have issues with depression and epilepsy medications. They will be able to see a red flag prescription and will use it to identify any other serious health issues you have.
Some prescription medication for fibromyalgia is also flagged for diabetic neuropathy, including Gabapentin, Lyrica, and Neurotin. These drugs may cause issues because neuropathy is a severe complication of diabetes that causes nerve damage.
Most burial insurance companies will charge you more in premiums and impose a waiting period if you have neuropathy related to diabetes.
How Much Insurance Do I Need If I Have Fibromyalgia?
The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.
The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.
Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.
| AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
|---|---|
| Non-declinable basic services | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| Non-declinable basic services fee | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Cremation fee (if firm uses a third-party crematory) | $368 |
| Cremation Casket | $1,310 |
| Urn | $295 |
| Median Cost of a Funeral with Viewing and Cremation | $6,970 |
| Rental Casket | $995 |
| Alternate Cremation Container | $150 |
How Should I Pay My Premiums?
The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you don’t need to worry about your policy lapsing due to non-payment.
Fibromyalgia And Burial Insurance Riders
Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while others can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.
Here’s a list of common burial insurance riders:
| FUNERAL FUNDS ADD-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
How To Get The Best Burial Insurance Rates For Fibromyalgia Patients?
To find the most affordable burial insurance with fibromyalgia, you can consult with an independent burial insurance agency like Funeral Funds, which works with many burial insurance companies. We will assess your health to determine which companies will view your health condition favorably. Then we will look into the quotes to see which carrier offers the cheapest.
Since we can find rates from many burial insurance companies, we can save you time and money. Let us do the dirty work for you, and we will find you the burial insurance policy that costs the least and protects you immediately.
Benefits Of Burial & Funeral Insurance
Here are some of the benefits of purchasing a burial or funeral policy:
- No medical exam or doctor’s visit is required – easy to get approved.
- Ease of issue – easy to qualify and get insurance coverage.
- No Money Down to get approved – have your policy start whenever you want.
- Level premium – your premium will never increase.
- Fixed death benefit – your death benefit will never decrease for any reason.
- Permanent protection – your policy can not be canceled by the life insurance company if you continue to pay your premiums.
- Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death.
- Cash value builds up – burial insurance is a whole life policy that builds cash value over time.
Other Common Uses For Final Expense Life Insurance With Fibromyalgia
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with fibromyalgia
- Cremation insurance plan with fibromyalgia
- Funeral home insurance plan with fibromyalgia
- Final Expense insurance plan with fibromyalgia
- Prepaid funeral plan insurance with fibromyalgia
- Mortgage payment protection plan with fibromyalgia
- Mortgage payoff life insurance plan with fibromyalgia
- Deceased spouse’s income replacement plan with fibromyalgia
- Legacy insurance gift plan to family or loved ones with fibromyalgia
- Medical or doctor bill life insurance plan with fibromyalgia
We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.
How Can Funeral Funds Help Me?
Finding a policy with fibromyalgia needn’t be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.
You need not waste your precious time searching for multiple insurance companies because we will do the work for you.
We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search all those companies and match you up with the best burial insurance company that gives the best rate.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for funeral or burial insurance with fibromyalgia in your medical history, we can help. Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate quote.
Additional Questions & Answers On Burial Insurance With Fibromyalgia
Can a person with fibromyalgia get life insurance?
Yes, a person with fibromyalgia can get life insurance. Your insurance eligibility will depend on the severity of your fibromyalgia and your ability to perform activities of daily living on your own.
Do I need to take a medical exam if I have fibromyalgia?
No, you do not need to take a medical exam if you have fibromyalgia. However, your insurance company may require that you complete a telephone interview and provide additional information about your condition.
Is there an age limit for burial insurance with fibromyalgia?
The typical age limit for most insurance companies is 85 years old.
Can you get first-day coverage insurance if you have fibromyalgia?
Yes, you can get first-day coverage insurance if you have fibromyalgia. This type of policy does not require a medical exam and will provide coverage as long as you pay your premiums.
Is fibromyalgia considered a pre-existing condition for life insurance?
Yes, fibromyalgia is considered a pre-existing condition for life insurance. However, this does not mean that you will not be able to get coverage.
Do I need to tell insurance about fibromyalgia?
Yes, you need to tell your insurance company about any pre-existing conditions, including fibromyalgia.
Can a person with fibromyalgia get burial insurance?
Yes, a person with fibromyalgia can get burial insurance. Your insurance eligibility will depend on the severity of your fibromyalgia and your ability to perform activities of daily living on your own.
Can fibromyalgia be considered a critical illness in life insurance?
No, fibromyalgia is not considered a critical illness in life insurance.
What are the premiums for burial insurance with fibromyalgia?
The premiums for burial insurance with fibromyalgia will depend on your age, gender, health, and the coverage amount you choose.
Is fibromyalgia considered a terminal illness?
No, fibromyalgia is not considered a terminal illness.
Can I get final expense life insurance after fibromyalgia?
Yes, you can get final expense life insurance after fibromyalgia. Your insurance eligibility will depend on the severity of your condition and your ability to perform activities of daily living on your own.
Does fibromyalgia class a disability?
No, fibromyalgia does not classify a disability by most insurance companies.
What are the things that may affect my eligibility if I have fibromyalgia?
The severity of your fibromyalgia, your age, and your ability to perform activities of daily living on your own may affect your eligibility for life insurance.
What is the life expectancy after fibromyalgia?
There is no specific life expectancy after fibromyalgia. Your life expectancy will depend on your overall health and the severity of your condition.
Which insurance is best for patients with fibromyalgia?
There is no one best insurance for patients with fibromyalgia. Your insurance needs will depend on your age, health, and the coverage amount you need.
Can I qualify for cremation insurance with a history of fibromyalgia?
Yes, you can qualify for cremation insurance with a history of fibromyalgia. Your insurance eligibility will depend on the severity of your condition and your ability to perform activities of daily living on your own.
What are some things that I need to know about burial insurance with fibromyalgia?
Some things you need to know about burial insurance with fibromyalgia include the following:
- Your insurance eligibility will depend on the severity of your condition and your ability to perform activities of daily living on your own.
- The typical age limit for most insurance companies is 85 years old.
- First-day coverage policies are available for those with fibromyalgia.
- Fibromyalgia is considered a pre-existing condition for life insurance.
- You need to tell your insurance company about any pre-existing conditions, including fibromyalgia.
- The premiums for burial insurance with fibromyalgia will depend on your age, gender, health, and the coverage amount you choose.
What is my best insurance option if I have fibromyalgia?
There is no one best insurance option for those with fibromyalgia. Your insurance needs will depend on your age, health, and the coverage amount you need.
Is fibromyalgia fatal in life insurance?
Yes, fibromyalgia can be fatal in life insurance.
Can I get coverage for my funeral if I have fibromyalgia?
Yes, you can get coverage for your funeral if you have fibromyalgia. Your insurance eligibility will depend on the severity of your condition and your ability to perform activities of daily living on your own.
Can you be denied insurance for fibromyalgia?
Yes, you can be denied insurance for fibromyalgia. Some life insurance may deny your application if you cannot perform activities of daily living on your own, are wheelchair-bound, and require home health care.
What should I do if I am denied insurance for fibromyalgia?
If you are denied insurance for fibromyalgia, you may want to consider a policy with no medical exam or no health questions.
Is there a waiting period for life insurance with fibromyalgia?
No, unless you need help performing activities of daily living.
Can fibromyalgia affect your life insurance rates?
Generally, fibromyalgia has little effect on your life insurance rates. Your premiums will be based on your age, gender, and health.
Do I have to disclose my fibromyalgia history on an insurance application?
Yes, you need to disclose your fibromyalgia history on an insurance application. This is because fibromyalgia is considered a pre-existing condition for life insurance.
Is fibromyalgia considered high risk?
Fibromyalgia is considered a moderate to low risk for life insurance.
Can fibromyalgia medication affect my premium?
Yes, fibromyalgia medication can affect your premium. The type of medication you take and the dosage will be considered when determining your rates.
What is the average cost of life insurance for someone with fibromyalgia?
The average cost of life insurance for someone with fibromyalgia is based on your age, gender, health, location, and the coverage amount you need.
Can fibromyalgia patients get funeral insurance?
Yes, fibromyalgia patients can get funeral insurance. Your insurance eligibility will depend on the severity of your condition and your ability to perform activities of daily living on your own.
Is fibromyalgia covered by a critical illness rider?
Yes, fibromyalgia is covered by a critical illness rider. This rider will pay out a benefit if you are diagnosed with a critical illness.
Can fibromyalgia affect life insurance?
Yes, fibromyalgia can affect life insurance. Severe fibromyalgia with mobility issues and inability to perform activities of daily living will only qualify you for a guaranteed issue life insurance with a two-year waiting period.
Can you be rejected for life insurance because of fibromyalgia?
Yes, you can be rejected for life insurance because of fibromyalgia. Severe fibromyalgia with mobility issues and inability to perform activities of daily living will cause you to be rejected for a first-day coverage plan.
How can you get the best life insurance rates with fibromyalgia?
The best way to get the best life insurance rates with fibromyalgia is to work with a qualified insurance agent who can compare quotes from different insurers and recommend the company with the lowest rates.
What is the best insurance option for people with fibromyalgia?
There is no one “best” insurance option for people with fibromyalgia. The best option for you will depend on your age, health, and coverage needs.
What are the best life insurance companies for fibromyalgia?
The best life insurance companies for fibromyalgia offer the lowest rate with a policy that starts immediately.
What are some tips for getting life insurance with fibromyalgia?
Some tips for getting life insurance with fibromyalgia include:
- Work with a qualified insurance agent who can compare quotes from different insurers.
- Choose a policy with no medical exam or no health questions.
- Consider a guaranteed issue life insurance policy with a two-year waiting period if your condition is severe.
- Be honest about your condition on the insurance application.
