2024 Affordable Burial Insurance with Diverticulitis
last updated on November 22, 2024Getting affordable burial insurance with diverticulitis is easier than you think. This condition can be more easily controlled than many other health issues, which means you may be able to get the best plan with the lowest premium.
Diverticulitis is not a major issue with burial insurance companies. In fact, you will hardly see them ask about this condition in their health questionnaire.
This article will examine burial insurance with diverticulitis and the different life insurance options open for you if you have this condition.
| TABLE OF CONTENTS | |
|---|---|
What Is My Best Insurance Option If I Have A History Of Diverticulitis?
Most life insurance companies are not concerned with diverticulitis. In fact, they don’t ask about it in the health questionnaire. Their lenient underwriting allows people with diverticulitis to qualify for level death benefit with first-day coverage and no waiting period. This plan also has the lowest pricing the company will offer.
With a level death benefit plan, your premium is locked in at your current age and guaranteed to remain the same for the policy’s life. The death benefit will never decrease, and your beneficiary will be sure to receive it 100% when you pass away.
Best Option: Level death benefit plan with first-day coverage
OTHER FACTORS THAT MAY AFFECT ELIGIBILITY
The only time you will be denied burial insurance with diverticulitis is if your condition is so severe that you are hospitalized multiple times and recommended for surgery because of it.
Diverticulitis and Surgery
Your doctor will recommend surgery to treat your diverticulitis if:
- If you have bowel abscess, fistula or obstruction in the intestine, or perforation in the bowel wall
- You had multiple episodes of diverticulitis
- You have a weak immune system
Two Types of Diverticulitis Surgery
- Primary bowel resection
- Bowel resection with colostomy
Life insurance companies that are concerned with surgeries will review the type of surgery, the time that elapsed since the surgery, if there are complications, as well as other factors to determine the plan you will qualify for and what your premium will be.
BURIAL INSURANCE AFTER DIVERTICULITIS SURGERY
If your surgery has been completed, and you have been released from your doctor’s care and have no complications, you will qualify for a level death benefit plan with first-day coverage and the lowest possible premium. You will be treated like you never had diverticulitis in the first place!
Best Option: Level death benefit plan with first-day coverage
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 Diverticulitis, 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 diverticulitis.
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 Diverticulitis
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
You will rarely see “diverticulitis” asked in the health questionnaire. Life insurance companies are more concerned with health issues that significantly reduce life expectancy. If they never ask about your health issues, they are okay with it and accept your condition.
Since insurance companies never ask about diverticulitis, the only way your application for burial insurance will be denied is if you answered “yes” to a different health condition that may be associated with diverticulitis like surgery.
They will typically ask it this way:
- Are you currently, or within the past 6 months, have you been hospitalized, bedridden, used oxygen to assist in breathing, confined to a wheelchair, nursing home, hospice, received home health care, or been on dialysis?
- Within the past 12 months, have you been: hospitalized two or more times or been advised by a medical professional to have surgery, hospital confinement, or nursing facility confinement and have not done so?
Choosing a life insurance company that does not ask about a specific medical condition like diverticulitis on their health questionnaire is crucial. If they do not ask about it, they will look at your condition more favorably, and your application for coverage will be quickly approved.
PRESCRIPTION HISTORY CHECK
Final expense companies will conduct a prescription history check to verify your answer to the health questions. They will also see what medications you are taking and for what conditions. Certain drugs that treat the knockout conditions are a red flag to most life insurance companies. Taking them may affect your life insurance eligibility.
Common medications for diverticulitis include:
- Ciprofloxacin
- Metronidazole
- Piperacillin
- Tazobactam
- Various other antibiotics
If you take one or more of these drugs when you apply for burial insurance with diverticulitis, you need not worry because all these meds could be insurable. Taking these drugs for diverticulitis won’t prevent you from obtaining the best insurance policy.
How Much Insurance Do I Need If I Have Diverticulitis?
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.
Diverticulitis 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 |
Information We Need If You Have Diverticulitis
When you reach us regarding buying burial insurance with diverticulitis, we will ask you some health questions to better understand your current health condition. These questions may include:
- When were you diagnosed with diverticulitis?
- When did you last have flare-ups or attack?
- How many flare-ups did you have over the past 24 months?
- Have you ever been hospitalized because of diverticulitis?
- Are you taking any medications for your condition?
- Have you been recommended to have surgery, and did you have surgical treatment?
- When was the operation completed?
- Do you have other medical conditions aside from diverticulitis?
Your answers will help us determine the type of final expense plan you will qualify for and provide you with an accurate quote.
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 Diverticulitis
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with diverticulitis
- Cremation insurance plan with diverticulitis
- Funeral home insurance plan with diverticulitis
- Final Expense insurance plan with diverticulitis
- Prepaid funeral plan insurance with diverticulitis
- Mortgage payment protection plan with diverticulitis
- Mortgage payoff life insurance plan with diverticulitis
- Deceased spouse’s income replacement plan with diverticulitis
- Legacy insurance gift plan to family or loved ones with diverticulitis
- Medical or doctor bill life insurance plan with diverticulitis
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 if you have diverticulitis 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 anymore 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 diverticulitis funeral insurance, diverticulitis burial insurance, or diverticulitis life insurance.
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 Diverticulitis
Can I get life insurance if you have diverticulitis?
Yes, you can get life insurance if you have diverticulitis. Most life insurance companies do not ask about diverticulitis in their health questionnaire, and you will easily qualify for a first-day coverage plan.
Do I need to take a medical exam if I have diverticulitis?
No, you will not need to take a medical exam if you have diverticulitis.
Can you get first-day coverage insurance if you have diverticulitis?
Yes, you can get first-day coverage insurance if you have diverticulitis. Most life insurance companies have lenient underwriting and you can qualify for insurance if you have diverticulitis.
Is diverticulitis a pre-existing condition for life insurance?
Yes, diverticulitis is a pre-existing condition for life insurance.
Do I need to tell insurance about diverticulitis?
Yes, you will need to tell your life insurance company about your diverticulitis.
Can a person with diverticulitis get burial insurance?
Yes, a person with diverticulitis can get burial insurance.
What is the maximum age limit for burial insurance with diverticulitis?
The maximum age limit for burial insurance with diverticulitis is 85 years old. Once your policy is in place it will remain active until you are 121 years old.
What is the life expectancy after diverticulitis?
The life expectancy after diverticulitis is typically the same as someone without the condition. Most people make a full recovery and live a normal life expectancy.
Can diverticulitis be considered a critical illness in life insurance?
No, diverticulitis is not typically considered a critical illness in life insurance.
What are the things that may affect my eligibility if I have diverticulitis?
A few things may affect your eligibility if you have diverticulitis. If you have had recent hospitalization or surgery to treat your diverticulitis, your policy may have a waiting period.
Which insurance is best for patients with diverticulitis?
A first-day coverage plan is the best option for people with diverticulitis.
Can I qualify for cremation insurance with a history of diverticulitis?
Yes, you can qualify for cremation insurance with a history of diverticulitis. Diverticulitis is a non-issue to most life insurance companies.
Is diverticulitis fatal in life insurance?
No, diverticulitis is not fatal in life insurance.
How do you get life insurance after a diverticulitis diagnosis?
By applying for a first-day coverage plan, you can get life insurance after a diverticulitis diagnosis. Most life insurance companies do not consider diverticulitis fatal in life insurance.
What is the average cost of life insurance for someone with diverticulitis?
The average cost of life insurance for someone with diverticulitis varies according to their age, gender, location, coverage amount, and health.
Can you be denied insurance for diverticulitis?
No, you cannot be denied insurance for diverticulitis. Most life insurance companies do not ask about diverticulitis in their health questionnaire.
Is there a waiting period for life insurance with diverticulitis?
There is no waiting period for life insurance with diverticulitis. You can get first-day coverage on your policy.
Can diverticulitis affect your life insurance rates?
No, diverticulitis will not affect your life insurance rates.
Can diverticulitis medication affect my premium?
No, diverticulitis medication does not affect your premium.
Can diverticulitis patients get final expense insurance?
Yes, diverticulitis patients can get final expense insurance.
Can diverticulitis affect life insurance?
No, diverticulitis often does not affect life insurance.
What are the premiums for burial insurance with diverticulitis?
The premiums for burial insurance with diverticulitis will depend on your age, gender, location, coverage amount, and health
How can you get the best life insurance rates with diverticulitis?
The best way to get the best life insurance rates with diverticulitis is to apply for a first-day coverage plan.
What is the best insurance option for people with diverticulitis?
The best insurance option for people with diverticulitis is a first-day coverage plan. This type of plan does not require a medical exam; you can get coverage the same day you apply.
What are the benefits of having life insurance with diverticulitis?
The greatest benefit of having life insurance with diverticulitis is that your family will be taken care of financially if you die.
What is the process of getting life insurance with diverticulitis?
The process of getting life insurance with diverticulitis is the same as for any other policyholder. You will need to fill out a life insurance application and answer questions about your health.
What are the best life insurance companies for diverticulitis?
The best life insurance companies for diverticulitis are the companies that do not ask about diverticulitis and offer a first-day coverage plan.
What are some tips for getting life insurance with diverticulitis?
Some tips for getting life insurance with diverticulitis are to apply for a first-day coverage plan and to shop around with a qualified life insurance agent from Funeral Funds for the best rates.
What is the most important thing to know about life insurance with diverticulitis?
The most important thing to know about life insurance with diverticulitis is that most life insurance companies do not consider it fatal in life insurance. You can get coverage the same day you apply.
