2024 Burial Insurance with Sarcoidosis
last updated on July 22, 2024Burial insurance with sarcoidosis is possible. The truth is sarcoidosis is not an issue with most insurance providers. In fact, you will hardly see them asking about it in their health questions on the application.
So, if you have sarcoidosis and have no other significant medical conditions, you will be quickly approved for coverage.
This article will explore the different life insurance options you can take if you have sarcoidosis and how to find the lowest rates.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Sarcoidosis?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Sarcoidosis, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Sarcoidosis
- How Much Insurance Do I Need If I Have Sarcoidosis?
- How Should I Pay My Premiums?
- Sarcoidosis and Burial Insurance Riders
- Information We Need if You Have Sarcoidosis
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Sarcoidosis
- How to Get the Best Burial Insurance Rates for Sarcoidosis Patients?
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance With Sarcoidosis
What Is My Best Insurance Option If I Have A History Of Sarcoidosis?
The type of burial insurance with sarcoidosis you will qualify for will depend on the severity of your condition.
MILD SARCOIDOSIS
Mild sarcoidosis is never a severe medical condition because it usually goes away on its own. Typically, treatment is minimal and may consist of only taking a few medications as prescribed. Because of its treatability, most life insurance providers consider mild sarcoidosis as low risk.
Having mild sarcoidosis qualifies you for first-day coverage with most life insurance companies.
The level death benefit is the best policy option because it offers the most substantial death benefit, and it has no waiting period. This is the policy we always try to get our clients.
Best Option: Level death benefit plan with first-day coverage
MODERATE SARCOIDOSIS
Moderate sarcoidosis requiring minimal treatment may qualify you for first-day full coverage with some burial insurance companies.
If you have no other health problems, there is an excellent chance of qualifying for the lowest rate. You must show that your sarcoidosis went away, or you’re only taking minimal treatment.
As a standalone medical condition, Sarcoidosis will not create an issue, especially if it’s mild to moderate unless you have other health conditions that may prevent you from qualifying for first-day full coverage.
Best Option: Level death benefit plan with first-day coverage
SEVERE SARCOIDOSIS
Sarcoidosis patients with severe symptoms or complications because of this condition will be offered guaranteed issue burial insurance. This is also the plan you will likely be offered if your sarcoidosis is under control, but you have other severe health problems.
It’s quite rare to be offered a guaranteed issue policy for sarcoidosis. You must have a severe complication like supplemental oxygen use or needing help with activities of daily living to qualify for GI policy.
As with all qualification requirements for burial insurance, it all comes down to your overall health and potential complications.
If you are a U.S citizen or permanent resident between the ages of 40 to 85, you can be eligible for guaranteed issue burial insurance.
Guaranteed issue burial insurance comes with a graded death benefit that imposes a two-year waiting period. You will need to live two years before being fully covered for the natural cause of death. GI policy will only pay full death benefit during the waiting period for accidental death.
Best Options: Guaranteed issue burial insurance
SARCOIDOSIS AND SUPPLEMENTAL OXYGEN
In most cases, sarcoidosis develops in the lungs, and patients have difficulty breathing, and their doctor prescribed supplemental oxygen. Every life insurance company asks about supplemental oxygen in the health questionnaire. There is only one exception, and that is the use of supplemental oxygen for sleep apnea.
You will typically see supplemental oxygen asked this way:
“Within the previous 12 months, have you been advised to use supplemental oxygen to assist with breathing (excluding use for sleep apnea).”
It will be challenging to qualify for a level death benefit or first-day coverage if you need oxygen equipment to breathe. No Insurance company offers first-day coverage to those who are using supplemental oxygen. However, you will be eligible for a guaranteed issue burial insurance plan.
Best Options: Guaranteed issue burial insurance
SARCOIDOSIS & NEEDING HELP WITH ACTIVITIES OF DAILY LIVING
If your sarcoidosis caused blindness or paralysis, you might need help in performing activities of daily living. There are six ADLs, including eating, bathing, dressing, toileting, transferring, and continence. If your sarcoidosis causes you to need assistance with any of these activities, it will be difficult to find a company that will offer you first-day coverage and the lowest price.
Every life insurance company asks about ADLs in its application. Needing help with any activities of daily living will significantly affect the type of life insurance you will qualify for. If you need help with any ADL, your best life insurance option is to take a no-question guaranteed issue burial insurance.
Best Options: 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 Sarcoidosis, 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 sarcoidosis.
When you apply for burial insurance, you only have to answer some 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 Sarcoidosis
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.
Burial insurance with sarcoidosis is easy. Several burial insurance companies are not concerned with sarcoidosis. In fact, they don’t even ask about it in their health questions. Their relaxed underwriting standard allows people with sarcoidosis to get full first-day coverage without a waiting period and at the lowest rate the company can offer.
SARCOIDOSIS EFFECT ON LIFE INSURANCE ELIGIBILITY
Sarcoidosis is a disease that predominantly causes inflammation in the lungs but can also affect the skin, eyes, liver, spleen, and lymph nodes.
Sarcoidosis is a chronic disorder with an unknown cause. This disease often disappears by itself and will not affect life insurance eligibility except in more severe cases.
Sarcoidosis Complications and Life Insurance
- Sarcoidosis in the lungs – untreated sarcoidosis in the lungs can lead to permanent scarring the lungs, which makes breathing difficult. Difficulty in breathing may require you to use supplemental oxygen. Supplementary oxygen use may affect life insurance eligibility.
- Sarcoidosis in the eyes – inflammation due to sarcoidosis may affect any part of the eyes. And, it can cause cataracts and glaucoma, which can eventually lead to blindness. Blindness and the need for help with activities of daily living may affect life insurance eligibility.
- Sarcoidosis in the kidneys – inflammation due to sarcoidosis may affect how the body handles calcium. This condition can lead to kidney failure. Kidney failure will affect your life insurance eligibility.
- Sarcoidosis in the heart – granulomas in the heart can cause irregular heart rhythms, arrhythmias, and other heart problems. Some cases can be severe, which may lead to premature death. Heart problems may affect your life insurance eligibility.
- Sarcoidosis in the nervous system – some people will develop problems in their central nervous system due to sarcoidosis. Granulomas formed in the brain and the spinal cord can cause paralysis. Paralysis, which will require you to need hospice care or help with activities of daily living, will affect your life insurance eligibility.
How Much Insurance Do I Need If I Have Sarcoidosis?
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.
Sarcoidosis 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 Sarcoidosis
We’d like to know some things about your sarcoidosis condition for us to find you the best insurance company with the best prices for your sarcoidosis.
We will ask you these questions to know more about your condition:
- When were you diagnosed with sarcoidosis?
- What part of the body was affected by your sarcoidosis?
- Do you experience any symptoms of sarcoidosis in the last six months?
- Did you have a relapse?
- What medications are you taking for sarcoidosis?
- Have you been hospitalized due to sarcoidosis?
- Do you have other health issues aside from sarcoidosis?
Your answers to these health questions will enable us to get the most accurate quotes from different life insurance companies and recommend the best company with the best price.
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 Sarcoidosis
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with sarcoidosis
- Cremation insurance plan with sarcoidosis
- Funeral home insurance plan with sarcoidosis
- Final Expense insurance plan with sarcoidosis
- Prepaid funeral plan insurance with sarcoidosis
- Mortgage payment protection plan with sarcoidosis
- Mortgage payoff life insurance plan with sarcoidosis
- Deceased spouse’s income replacement plan with sarcoidosis Legacy insurance gift plan to family or loved ones with sarcoidosis
- Medical or doctor bill life insurance plan with sarcoidosis
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 To Get The Best Burial Insurance Rates For Sarcoidosis Patients?
If you’re looking to get the best premium possible with sarcoidosis, managing your condition and taking your medications as prescribed is important. Following doctor’s orders is not only good for your health, but it’s also beneficial to your wallet as well!
Smoking is awful for your lungs, especially if you have pulmonary sarcoidosis. It can also rob your wallet when it comes to paying life insurance premiums for smokers. If you are classified as a smoker when applying for life insurance, your premiums will be higher than those of non-smoker applicants. Your premium can double or even triple, depending on the insurance company.
Kicking your smoking habit before you apply for life insurance is an excellent way to save money on life insurance premiums. Quit smoking or using tobacco products, and you will enjoy a lower insurance premium and savings.
Another way to get the best life insurance premium is to work with an independent life insurance agency like Funeral Funds to shop the market for the lowest-priced policy.
Finding the most affordable burial insurance with sarcoidosis is simple. Allow us to do the comparison shopping for you. We will help you compare different quotes from multiple insurance companies to find which one will offer you the best deal.
We specialize in high-risk life insurance cases. We have helped people with sarcoidosis, and other health conditions get the right coverage, usually at level death benefit with first-day full coverage and no waiting period. We always strive for level death benefit because it is the best and cheapest.
How Can Funeral Funds Help Me?
Finding a policy if you have sarcoidosis 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 sarcoidosis funeral insurance, sarcoidosis burial insurance, or sarcoidosis 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 Sarcoidosis
Can I get life insurance if you have sarcoidosis?
Yes, you can get life insurance if you have sarcoidosis. In fact, some insurance companies do not ask about sarcoidosis in their health questionnaire. So, if you have sarcoidosis and you have no other significant medical conditions, you may qualify for a first-day coverage plan.
Is sarcoidosis a pre-existing condition for life insurance?
Yes, sarcoidosis is a pre-existing condition for life insurance. However, you can still get life insurance coverage if you have sarcoidosis.
Do I need to tell insurance about sarcoidosis?
Yes, you need to tell insurance about sarcoidosis. Sarcoidosis is a pre-existing condition, so you must disclose it to insurance companies when applying for life insurance coverage.
Can a person with sarcoidosis get burial insurance?
Yes, a person with sarcoidosis can get burial insurance. In fact, some insurance companies do not ask about sarcoidosis in their health questionnaire. So, if you have sarcoidosis and you have no other significant medical conditions, you will qualify for a first-day coverage plan.
Do I need to take a medical exam if I have sarcoidosis?
No, you do not need to take a medical exam if you have sarcoidosis.
Is there an age limit for burial insurance with sarcoidosis?
No, there is no age limit for burial insurance with sarcoidosis.
Is sarcoidosis considered a critical illness?
No, sarcoidosis is not considered a critical illness.
What happens if I don’t disclose my sarcoidosis to the insurance company?
If you don’t disclose your sarcoidosis to the insurance company, your policy could be voided, or you could be denied coverage.
Is sarcoidosis considered a terminal illness?
No, sarcoidosis is generally not considered a terminal illness.
Can you get first-day coverage insurance if you have sarcoidosis?
Yes, you can often get first-day coverage insurance if you have sarcoidosis. In fact, some insurance companies do not ask about sarcoidosis in their health questionnaire. So, if you have sarcoidosis and you have no other significant medical conditions, you will qualify for a first-day coverage plan.
What are the things that may affect my eligibility if I have sarcoidosis?
A few things may affect your eligibility if you have sarcoidosis. The first is the severity of your sarcoidosis. You may not be eligible for life insurance coverage if you have severe sarcoidosis. The second is your other medical conditions. You may not be eligible for life insurance coverage if you have other medical conditions.
What is the life expectancy after sarcoidosis?
The life expectancy after sarcoidosis is typically normal. However, your life expectancy may be shortened if you have severe sarcoidosis.
What are the chances of my policy being canceled if I have sarcoidosis?
Your policy can never be canceled if you get diagnosed with sarcoidosis after your policy has been approved.
Which insurance is best for patients with sarcoidosis?
There is no one “best” insurance for patients with sarcoidosis. However, some insurance companies may be more likely to approve coverage for patients with sarcoidosis than others.
Is there a waiting period for life insurance if you have sarcoidosis?
No, there is no waiting period for life insurance if you have sarcoidosis in most cases.
Is sarcoidosis of the lungs a disability?
No, sarcoidosis of the lungs is not a disability, unless you are unable to work as a result of this disease.
Can I get life insurance if I have active sarcoidosis?
Yes, you can get life insurance if you have active sarcoidosis. However, the severity of your sarcoidosis will affect your eligibility. If you have severe sarcoidosis and you need supplemental oxygen, you will only qualify for a guaranteed issue life insurance with a two-year waiting period.
What disability category is sarcoidosis?
Sarcoidosis is not a disability unless it causes you to be unable to be employed.
Can I qualify for cremation insurance with a history of sarcoidosis?
Yes, you can qualify for cremation insurance with a history of sarcoidosis.
Do you have sarcoidosis for life?
Sarcoidosis is a chronic condition, meaning it can last for years. However, it is possible to go into remission.
How do you get life insurance after a sarcoidosis diagnosis?
You can still get life insurance if you have been diagnosed with sarcoidosis. However, the severity of your sarcoidosis will affect your eligibility. If you have severe sarcoidosis, you may only qualify for a guaranteed issue life insurance with a two-year waiting period.
What is my best insurance option if I have sarcoidosis?
There is no one “best” insurance for patients with sarcoidosis. However, some insurance companies may be more likely to approve coverage for patients with sarcoidosis than others.
Is sarcoidosis fatal in life insurance?
No, sarcoidosis is not considered fatal for life insurance eligibility in most cases.
Can I get a no-medical exam policy if I have sarcoidosis?
Yes, you can get a no medical exam policy if you have sarcoidosis. However, the severity of your sarcoidosis will affect your eligibility and rates.
Can you be denied insurance for sarcoidosis?
Yes, you can be denied insurance for sarcoidosis. The severity of your sarcoidosis will affect your eligibility. If you use supplemental oxygen, you may be rejected for life insurance with a first-day coverage plan.
Is there a waiting period for life insurance with sarcoidosis?
No, often there is generally no waiting period for life insurance with sarcoidosis in its early stages.
What are my chances of being approved for life insurance with sarcoidosis?
The chances of being approved for life insurance with sarcoidosis are good. Some life insurance companies do not ask about sarcoidosis.
Can you live a long life with sarcoidosis?
The life expectancy after sarcoidosis is typically normal. However, your life expectancy may be shortened if you have severe sarcoidosis.
Can sarcoidosis affect your life insurance rates?
The severity of your sarcoidosis will affect your life insurance rates. If you have severe sarcoidosis, you may only qualify for guaranteed issue life insurance with a two-year waiting period.
Can sarcoidosis medication affect my premium?
No, sarcoidosis medications do not generally affect your life insurance premiums.
What are the premiums for burial insurance with sarcoidosis?
The premiums for burial insurance with sarcoidosis vary depending on the insurance company.
What is the average cost of life insurance for someone with sarcoidosis?
The average cost of life insurance for someone with sarcoidosis varies depending on your age, gender, location, coverage amount, and health.
Is sarcoidosis a death sentence?
No, sarcoidosis is not a death sentence. The life expectancy after sarcoidosis is typically normal. However, your life expectancy may be shortened if you have severe sarcoidosis.
What are the benefits of having life insurance if you have sarcoidosis?
Life insurance benefits if you have sarcoidosis are peace of mind and financial security for your loved ones in the event of your death.
Can sarcoidosis patients get final expense insurance?
Yes, sarcoidosis patients can get final expense insurance. The severity of your sarcoidosis will affect your eligibility and rates.
Is sarcoidosis covered by a critical illness rider?
No, sarcoidosis is not covered by a critical illness rider.
Can sarcoidosis affect life insurance?
The severity of your sarcoidosis will affect your eligibility for life insurance. If you have severe sarcoidosis and you use supplemental oxygen, you may only qualify for a guaranteed issue life insurance with a two-year waiting period.
Can you be rejected for life insurance because of sarcoidosis?
Yes, you can be rejected for life insurance because of sarcoidosis. Most life insurance companies will reject your application for a first-day coverage plan if you use supplemental oxygen.
Is sarcoidosis a terminal illness?
No, sarcoidosis is not a terminal illness. The life expectancy after sarcoidosis is typically normal.
How can you get the best life insurance rates with sarcoidosis?
To get the best life insurance rates with sarcoidosis, you should work with a qualified life insurance agent to compare quotes from multiple life insurance companies and recommend the best plan with the lowest rates.
What is the best insurance option for people with sarcoidosis?
The best insurance option for people with sarcoidosis is a first-day coverage plan. If you have sarcoidosis and you use supplemental oxygen, you may only qualify for a guaranteed issue life insurance with a two-year waiting period.
What are the best life insurance companies for sarcoidosis?
The best life insurance companies for sarcoidosis vary depending on age, gender, location, coverage amount, and health.
What are some tips for getting life insurance with sarcoidosis?
Some tips for getting life insurance with sarcoidosis are to work with a qualified life insurance agent to compare quotes from multiple life insurance companies, to be honest about your health, and get a first-day coverage plan if you can.
