2024 Burial Insurance with Muscular Dystrophy
last updated on July 22, 2024Purchasing burial insurance with muscular dystrophy is possible, but your life insurance options are limited.
If you or a family member has been diagnosed with muscular dystrophy and would like more information, keep reading.
In this article, we will explore how insurance companies underwrite people with muscular dystrophy and how to get the best burial insurance with muscular dystrophy at the lowest pricing.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Muscular Dystrophy?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Muscular Dystrophy, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Muscular Dystrophy
- How Much Insurance Do I Need If I Have Muscular Dystrophy?
- How Should I Pay My Premiums?
- Muscular Dystrophy and Burial Insurance Riders
- Information We Need if You Have Muscular Dystrophy
- What If I Got Declined for Coverage?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Muscular Dystrophy
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance With Muscular Dystrophy
What Is My Best Insurance Option If I Have A History Of Muscular Dystrophy?
Types of Muscular Dystrophy the insurance companies want to know about:
- Becker muscular dystrophy
- Facioscapulohumeral muscular dystrophy
- Oculopharyngeal muscular dystrophy
- Myotonic muscular dystrophy
- Distal muscular dystrophy
If you suffer from any of these types of muscular dystrophy and you can perform activities of daily living on your own, your best option is a level death benefit plan with first-day coverage from select final expense companies. You would pay the lowest rates possible, and your policy will not have a waiting period.
Best Option: Level death benefit plan with first-day coverage
OTHER FACTORS THAT MAY AFFECT ELIGIBILITY
WHEELCHAIR USE
Many applicants with muscular dystrophy start using wheelchairs when they lose muscle mass and their muscles weaken. Most burial insurance companies ask about wheelchair use.
If your medical condition gets worse and you need to use a wheelchair for mobility, or you need assistance with activities of daily living, guaranteed issue life insurance is your only option to get a policy. This is a no-health questions policy, and you are guaranteed acceptance regardless of your medical condition.
Guaranteed issue policies cost a little bit more than a level death benefit and come with a two-year waiting period.
If you pass away from a natural cause during the first two years of the policy, your beneficiaries will get the return of premiums plus interest, typically 10%.
Best Option: Guaranteed issue burial insurance
ASSISTANCE WITH ACTIVITIES OF DAILY LIVING
Every final expense life insurance company always asks if you need help in performing activities of daily living. If you have a severe type of muscular dystrophy, you will need help with ADLs as your condition gets worse.
Insurance companies define assistance with daily living activities as needing help with the following: eating, bathing, dressing, toileting, transferring, and continence.
Most burial insurance companies will decline your application in this situation, and getting a guaranteed issue life insurance is your only option (and something we can help you with).
Best Option: Guaranteed issue burial insurance
HOME HEALTH CARE
This scenario is identical to needing help with daily living activities.
There are only a few companies that accept home health care applicants. If you need permanent home health care, your best option to get coverage is to get a guaranteed issue burial insurance.
Best Option: Guaranteed issue burial insurance
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 Muscular Dystrophy, 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 muscular dystrophy.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and 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 Muscular Dystrophy
Burial insurance companies have two ways of underwriting:
FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history to verify your health.
HEALTH QUESTIONS
Burial and funeral insurance companies with underwriting questions will ask questions about your health to assess your level of risk. They will ask about muscular dystrophy in different ways.
Here is an example of how they might ask about it:
- During the past 24 months, have you been treated for neuromuscular disease?
- Within the past 24 months, have you been medically diagnosed or treated for any neuromuscular disease?
- In the last 24 months, did you have muscular dystrophy or motor neuron disease?
Regardless of how they ask about muscular dystrophy, you should say yes to these questions if you have been diagnosed with this condition.
PRESCRIPTION HISTORY CHECK
Aside from the health questions, final expense insurance companies will electronically review your prescription history to verify your health history and current health status.
For example, if you have muscular dystrophy but didn’t disclose it in the health questionnaire, your prescription records and past prescription history will confirm your diagnosis.
Here is a list of the most common medications that are flagged for muscular dystrophy:
- Corticosteroids (Prednisone)
- Emflaza (Deflazacort)
- Exondys 51 (Eteplirsen)
- Translarna (Ataluren)
If you are taking any of these drugs, most burial insurance companies will look at you as if you are a muscular dystrophy patient. If you answer no to the muscular dystrophy questions, the presence of these drugs in your prescription history will override your answer.
How Much Insurance Do I Need If I Have Muscular Dystrophy?
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.
Muscular Dystrophy 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 other riders 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 |
Information We Need If You Have Muscular Dystrophy
When applying for burial insurance coverage with muscular dystrophy, it’s crucial that you provide us as much information as possible. This information will better help us understand your condition and will help us to provide you with an accurate quote.
We will ask you a series of health questions to better understand your condition.
These questions include:
- When were you initially diagnosed with muscular dystrophy?
- What type of muscular dystrophy do you have?
- Do you have any other medical issues resulting from your muscular dystrophy?
- Have you ever been hospitalized because of muscular dystrophy?
- What medications are you currently taking?
- Are you confined in a wheelchair?
- Can you perform activities of daily living on your own?
We need to know your medical condition to provide you with the best recommendation. The more information you supply us, the better your chances of being matched with the right insurance company with the best rate.
What If I Got Declined For Coverage?
If you have declined life insurance coverage in the past, do not believe you can’t find an affordable life insurance plan with a different company. Working with an independent life insurance company like Funeral Funds that knows the underwriting guidelines of multiple companies will get you approved for coverage.
We can help you because we have access to more than 30 insurance companies and can match you with the right company with the lowest rates. It can save you time and frustration during the life insurance application process.
If you have muscular dystrophy and are now ready to apply for life insurance, we can help you compare life insurance policies and premiums.
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 as long as 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 Muscular Dystrophy
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with muscular dystrophy
- Cremation insurance plan with muscular dystrophy
- Funeral home insurance plan with muscular dystrophy
- Final Expense insurance plan with muscular dystrophy
- Prepaid funeral plan insurance with muscular dystrophy
- Mortgage payment protection plan with muscular dystrophy
- Mortgage payoff life insurance plan with muscular dystrophy
- Deceased spouse’s income replacement plan with muscular dystrophy
- Legacy insurance gift plan to family or loved ones with muscular dystrophy
- Medical or doctor bill life insurance plan with muscular dystrophy
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?
Trying to find burial insurance with muscular dystrophy needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the dirty 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 muscular dystrophy funeral insurance, muscular dystrophy burial insurance, or muscular dystrophy life insurance, 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 Muscular Dystrophy
Can a person with muscular dystrophy get burial insurance?
Yes, a person with muscular dystrophy can get burial insurance. This type of insurance can help cover funeral and other end-of-life expenses.
Do I need to take a medical exam if I have muscular dystrophy?
No, you do not need to take a medical exam if you have muscular dystrophy.
What are the coverage options for burial insurance with muscular dystrophy?
The coverage options for burial insurance with muscular dystrophy will vary depending on the insurer. Some insurers may offer special riders or benefits for policyholders with this condition.
Is there an age limit for burial insurance with muscular dystrophy?
This type of insurance can be purchased if you are 18-85.
Is muscular dystrophy a pre-existing condition for life insurance?
Yes, muscular dystrophy is a pre-existing condition for life insurance.
Do I need to tell insurance about muscular dystrophy?
When applying for life insurance, you must disclose any pre-existing medical conditions. This includes muscular dystrophy. Failure to do so could result in your policy being canceled or denied.
Can muscular dystrophy be considered a critical illness in life insurance?
Yes, muscular dystrophy can be considered a critical illness in life insurance. If you are diagnosed with the condition, your policy will pay out a lump sum benefit.
What are the premiums for burial insurance with muscular dystrophy?
The premiums for burial insurance with muscular dystrophy will vary depending on the insurer. Some factors that can affect your premium include your age, health, and coverage amount.
Is there a waiting period for burial insurance with muscular dystrophy?
There is usually a two-year waiting period for burial insurance with muscular dystrophy. People with MS who need help with activities of daily living, use a wheelchair, or require home health care will only qualify for a guaranteed issue burial insurance with a two-year waiting period.
Can you get first-day coverage insurance if you have muscular dystrophy?
Yes, you can get first-day coverage insurance if you have muscular dystrophy. If you have a mild form of MS and can perform daily living activities on your own, you can qualify for a first-day coverage plan.
Can muscular dystrophy affect life insurance?
Yes, muscular dystrophy can affect life insurance. This condition is considered a pre-existing medical condition. This means that you will need to disclose it when you apply for life insurance. Failure to do so could result in your policy being canceled or denied.
Is muscular dystrophy considered a terminal illness?
No, muscular dystrophy is not considered a terminal illness.
Can I get life insurance after muscular dystrophy?
Yes, you can get life insurance after muscular dystrophy. This type of insurance can help cover the funeral and other end-of-life expenses.
What are the benefits of burial insurance with muscular dystrophy?
The benefits of burial insurance with muscular dystrophy will vary depending on the insurer. Some benefits may include a death benefit, funeral costs, and other end-of-life expenses.
What are the things that may affect my eligibility if I have muscular dystrophy?
Some things that may affect your eligibility if you have muscular dystrophy include your type of muscular dystrophy, your movement impairment, and your ability to perform activities of daily living on your own.
Is there a limit on how much burial insurance I can get with muscular dystrophy?
The limit on how much burial insurance you can get with muscular dystrophy will vary depending on the insurer and your ability to pay the premium.
What is the life expectancy after muscular dystrophy?
The life expectancy after muscular dystrophy will vary depending on the type of muscular dystrophy you have. Some people with this condition can live into their 40s or 50s, while others may only live for a few years.
Is muscular dystrophy a disability?
If muscular dystrophy takes away your ability to work, it would be classified as a disability.
Can I qualify for cremation insurance with a history of muscular dystrophy?
Cremation insurance with a history of muscular dystrophy will vary depending on the insurer. Some factors that can affect your premium include your age, health, and coverage amount.
Which insurance is best for patients with muscular dystrophy?
The best insurance for patients with muscular dystrophy will vary depending on the patient’s needs. Some factors to consider include coverage, the premium amount, and the insurer’s waiting period.
What is my best insurance option if I have muscular dystrophy?
The best insurance option for you if you have muscular dystrophy will vary depending on your needs. Some factors to consider include coverage, the premium amount, and the insurer’s waiting period.
Is muscular dystrophy fatal in life insurance?
No, muscular dystrophy is often considered not fatal in life insurance approvals.
Can you be denied insurance for muscular dystrophy?
Yes, you can be denied insurance for muscular dystrophy. This type of insurance is considered a pre-existing medical condition. This means that you will need to disclose it when you apply for life insurance. Failure to do so could result in your policy being canceled or denied.
Is there a waiting period for life insurance with muscular dystrophy?
The waiting period for life insurance with muscular dystrophy will vary depending on the insurer. Some insurers have a waiting period of two years if you have muscular dystrophy and you use a wheelchair and cannot do daily activities on your own.
Can muscular dystrophy affect your life insurance rates?
Yes, muscular dystrophy can affect your life insurance rates.
Do I have to disclose my muscular dystrophy history on an insurance application?
Yes, you must disclose your muscular dystrophy history when applying for life insurance. Failure to do so could result in your policy being canceled or denied.
Can muscular dystrophy medication affect my premium?
Yes, muscular dystrophy medication can affect your life insurance premium.
What is the best way to get life insurance with muscular dystrophy?
The best way to get life insurance with muscular dystrophy is to work with a qualified insurance agent who can price shop for you and recommend the best plan with the lowest rate.
What is the best life insurance company for someone with muscular dystrophy?
The best life insurance company for someone with muscular dystrophy will vary depending on the patient’s needs. Some factors to consider include coverage, the premium amount, and the insurer’s waiting period.
What is the average cost of life insurance for someone with muscular dystrophy?
The average cost of life insurance for someone with muscular dystrophy will vary depending on the patient’s needs. Some factors to consider include coverage, the premium amount, and the insurer’s waiting period.
Can muscular dystrophy patients get final expense insurance?
Yes, muscular dystrophy patients can get final expense insurance.
Is muscular dystrophy covered by a critical illness rider?
No, muscular dystrophy is not covered by a critical illness rider.
What should I do if I am denied insurance for muscular dystrophy?
If you are denied insurance for muscular dystrophy, you may want to consider applying for a policy with no medical exam.
Can you be rejected for life insurance because of muscular dystrophy?
Yes, you can be rejected for life insurance because of muscular dystrophy if you cannot perform activities of daily living on your own.
How can you get the best life insurance rates with muscular dystrophy?
The best way to get the best life insurance rates with muscular dystrophy is to work with a qualified insurance agent who can price shop for you and recommend the best plan with the lowest rate.
What is the best insurance option for people with muscular dystrophy?
The best insurance option for people with muscular dystrophy will vary depending on the patient’s needs. Some factors to consider include the type of coverage, the premium amount, and the insurer’s waiting period.
What are the best life insurance companies for muscular dystrophy?
The best life insurance companies for muscular dystrophy will vary depending on the patient’s needs. Some factors to consider include the type of coverage, the premium amount, and the insurer’s waiting period.
What is the most important thing to know about life insurance with muscular dystrophy?
The most important thing to know about life insurance with muscular dystrophy is that you must disclose your history when applying for life insurance. Failure to do so could result in your policy being canceled or denied.
What are some tips for getting life insurance with muscular dystrophy?
Some tips for getting life insurance with muscular dystrophy include working with a qualified insurance agent and being honest about your condition.
