2024 Burial Insurance With Hepatitis B
last updated on July 22, 2024Qualifying for burial insurance with Hepatitis B is possible. If you suffer from Hepatitis B, or are still infected and currently undergoing treatment, insurance options are available for you.
In this article, we are going to tell you the best way to qualify for funeral and final expense life insurance when you have Hepatitis B. Read on and learn how you can find the best policy with the best rates.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Hepatitis B?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Hepatitis B, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Hepatitis B
- How Much Insurance Do I Need If I Have Hepatitis B?
- How Should I Pay My Premiums?
- Hepatitis B and Burial Insurance Riders
- Information We Need if You Have Hepatitis B?
- How to Get the Best Burial Insurance Rates with Hepatitis B?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Hepatitis B
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Hepatitis B
What Is My Best Insurance Option If I Have A History Of Hepatitis B?
Your ability to qualify for burial insurance with Hepatitis B depends on the following factors:
- Date of your Hepatitis B diagnosis
- The time that passed since your Hepatitis B treatment
- Prescription medications taken
TREATMENT STOPPED WITHIN 2 YEARS
If your treatment stopped two years ago because you recovered and your body was able to fight off the infection, you would qualify for the best plan and the lowest rate
Most life insurance companies that only have a two-year lookback period on Hepatitis B will offer you a level death benefit with first-day coverage.
Best option: Level Death Benefit Plan
This plan with first-day coverage has a level premium that remains the same your whole life. The level death benefit plan is a simplified issue policy with no medical exam and just health questions to answer. Your death benefit will never decrease, and your beneficiary will receive a 100% death benefit when you pass away.
CURRENT DIAGNOSIS AND TREATMENT (Less than 2 years)
Every burial insurance company asks about Hepatitis B within a minimum period of two years. If you were diagnosed with Hepatitis B in the last two years and still undergoing any type of treatment, your best option is first-day benefits.
A first-day benefit plan will also cover you from the first day but your death benefit payout is phased in over time.
Best Option: First-day benefits
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 Hepatitis B, Do I Need A Medical Exam To Qualify For Burial Insurance?
No, you are not required to take a medical exam to qualify for burial insurance with Hepatitis B.
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 Hepatitis B
Burial insurance companies have two ways of underwriting.
FIRST – They ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history. Your Hepatitis B medications will give them a clear picture of your current and past medical treatments.
HEALTH QUESTIONS:
Here are some examples of how burial companies ask about Hepatitis B in their health questions:
- Have you ever had, or been diagnosed with, or received or been advised to receive treatment or medication for: liver disease or condition such as chronic hepatitis or cirrhosis of the liver?
- During the past 24 months, have you been diagnosed or treated for liver disease?
- Have you been diagnosed within the prior 2 years with or received, or been advised to receive treatment for Chronic hepatitis, Hepatitis B, Hepatitis C, or liver cirrhosis?
You will also notice that some insurance companies do not specifically ask about Hepatitis B in the health questionnaire. However, they ask if you have liver disease. You need to answer “yes” to liver disease question since Hepatitis B is a form of liver disease.
If you have a history of Hepatitis B, inform us immediately so we can place you with an insurance carrier that never asks about Hepatitis B. An insurance carrier never asks about a specific medical condition will approve you for their best plan.
PRESCRIPTION HISTORY CHECK
These are the most common Hepatitis B medications that will confirm you are a Hepatitis B patient:
- Adefovir Dipivoxil
- Entecavir
- Intron A
- Lamivudine
- Pegylated Interferon
- Tenofovir disoproxil
- Tenofovir Alafenamide
- Telbivufine
If you are taking Hepatitis B medications, you will still be eligible for great rates for Hepatitis B life insurance.
How Much Insurance Do I Need If I Have Hepatitis B?
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.
Hepatitis B 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 Hepatitis B
When you request a burial insurance quote, we will ask you some health questions to better understand your past and current medical condition.
These are some of the health questions you need to answer:
- When were you diagnosed with Hepatitis B?
- When was the last time you undergo treatment?
- What treatment do you underwent or currently undergoing?
- Do you have liver cirrhosis or fibrosis?
- What are your medications and dosages?
Your answers to these Hepatitis questions will help us determine the type of burial insurance plan you will qualify for and how much life insurance companies will charge you.
How To Get The Best Burial Insurance Rates With Hepatitis B?
Finding the best burial life insurance rates when you have Hepatitis B is simple. You need the assistance of an independent life insurance agency like Funeral Funds to do the work for you.
We represent multiple life insurance companies. We will be able to compare prices from different insurance companies. Doing this will get you the best burial insurance rates with Hepatitis B.
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 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 Hepatitis B
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with Hepatitis B
- Cremation insurance plan with Hepatitis B
- Funeral home insurance plan with Hepatitis B
- Final Expense insurance plan with Hepatitis B
- Prepaid funeral plan insurance with Hepatitis B
- Mortgage payment protection plan with Hepatitis B
- Mortgage payoff life insurance plan with Hepatitis B
- Deceased spouses income replacement plan with Hepatitis B
- Legacy insurance gift plan to family or loved ones with Hepatitis B
- Medical or doctor bill life insurance plan with Hepatitis B
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 Hepatitis B needn’t be a frustrating process; 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 need not 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 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 Hepatitis B funeral insurance, or Hepatitis B burial insurance, or Hepatitis B 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 Hepatitis B
Can a person with Hepatitis B get life insurance?
Yes, a person with Hepatitis B can get life insurance. However, the plan you will qualify for will depend on your diagnosis, treatment, and medications. You may qualify for a first-day coverage plan if your treatment stopped two years ago or longer because you recovered.
Is hepatitis B critical illness?
Hepatitis B is not a critical illness. It is, however, a serious and potentially life-threatening disease. Treatment for hepatitis B is available and most people who receive treatment go on to live long, healthy lives. There is no cure for hepatitis B, but there are treatments that can help keep the virus under control.
Can you get first-day coverage insurance if you have Hepatitis B?
Yes, you can get first-day coverage insurance if you have hepatitis B. You may qualify for a first-day coverage plan if your treatment stopped two years ago or longer because you recovered.
Is Hepatitis B a pre-existing condition for life insurance?
Yes, hepatitis B is a pre-existing condition for life insurance. However, you may still be able to get coverage if you have been treatment-free for two years or longer. Speak to an insurance agent to learn more about your options.
Do I need to tell insurance about Hepatitis B?
Yes, you should tell your insurance company about your hepatitis B. This is important so that they can provide you with the best coverage possible.
Do I need to take a medical exam if I have Hepatitis B?
No, you do not need to take a medical exam if you have hepatitis B. This is because the insurance company will already know about your condition and will be able to give you a policy based on that information.
Can a person with Hepatitis B get burial insurance?
Yes, a person with hepatitis B can get burial insurance. However, the plan you will qualify for will depend on your diagnosis, treatment, and medications. You may qualify for a first-day coverage plan if your treatment stopped two years ago or longer because you recovered.
Is hepatitis B a pre-existing condition?
Yes, hepatitis B is a pre-existing condition. This means that it will likely affect your ability to get life insurance. However, some life insurance companies will offer coverage to people with hepatitis B.
Can hepatitis B lead to death?
Yes, hepatitis B can lead to death. However, this is rare, and most people who receive treatment go on to live long, healthy lives. There is no cure for hepatitis B, but there are treatments that can help keep the virus under control.
Which is worse hepatitis B or C?
Hepatitis B and C are both serious diseases. However, hepatitis B is generally more severe and contagious than hepatitis C. Hepatitis B can lead to liver failure and death, while hepatitis C is more likely to cause chronic liver disease. There is no cure for either disease, but there are treatments that can help keep the virus under control.
Does hepatitis B shorten your life?
Yes, hepatitis B can shorten your life. However, this is rare, and most people who receive treatment go on to live long, healthy lives. There is no cure for hepatitis B, but there are treatments that can help keep the virus under control.
Is hepatitis B treatment for life?
Yes, hepatitis B treatment is for life. However, there are treatments that can help keep the virus under control, and many people who receive treatment go on to live long, healthy lives.
Can I qualify for cremation insurance with a history of Hepatitis B?
Yes, you can qualify for cremation insurance with a history of hepatitis B. However, the plan you will qualify for will depend on your diagnosis, treatment, and medications. You may qualify for a first-day coverage plan if your treatment stopped two years ago or longer because you recovered.
What is the life expectancy of someone with hepatitis B?
The life expectancy of someone with hepatitis B varies depending on the severity of the disease and the treatment received. However, most people who receive treatment go on to live long, healthy lives.
Will I always test positive for hepatitis B?
No, you will not always test positive for hepatitis B. However, the virus can remain in your body for life, and you may need treatment to keep it under control.
Is Hepatitis B a disability?
Yes, hepatitis B is a disability. This means that you may be able to get disability benefits from the government if you are unable to work because of the disease.
What disability category is Hepatitis B?
Hepatitis B is a disability that falls under chronic viral illness. It will likely affect your ability to work and live a normal life.
Is Hepatitis B fatal in life insurance?
Yes, hepatitis B can be fatal in life insurance. However, this is rare, and most people who receive treatment go on to live long, healthy lives. There is no cure for hepatitis B, but there are treatments that can help keep the virus under control.
Can Hepatitis B patients get final expense insurance?
Yes, hepatitis B patients can get final expense insurance. However, the plan you will qualify for will depend on your diagnosis, treatment, and medications. You may qualify for a first-day coverage plan if your treatment stopped two years ago or longer because you recovered.
What is the average cost of life insurance for someone with Hepatitis B?
The average cost of life insurance for someone with hepatitis B will vary depending on your age, gender, location, coverage amount, the severity of the disease, and the treatment received.
Is there a waiting period for life insurance with Hepatitis B?
No, there is no waiting period for life insurance with hepatitis B. However, the plan you will qualify for will depend on your diagnosis, treatment, and medications.
How long does it take to get life insurance with Hepatitis B?
Getting life insurance with hepatitis B usually takes a few minutes. However, the plan you will qualify for will depend on your diagnosis, treatment, and medications.
Can Hepatitis B affect life insurance?
Yes, hepatitis B can affect life insurance. However, this is rare, and most people who receive treatment go on to live long, healthy lives.
What do I need to get life insurance with Hepatitis B?
To get life insurance with hepatitis B, you must provide your diagnosis, treatment, and medications. You may also need to provide information about your age, gender, location, coverage amount, and disease severity.
Can you be rejected for life insurance because of Hepatitis B?
Yes, you can be rejected for life insurance because of hepatitis because of your diagnosis, treatment, and medications.
Can Hepatitis B affect your life insurance rates?
Yes, hepatitis B can affect your life insurance rates. However, this is rare, and most people who receive treatment go on to live long, healthy lives.
What is the best life insurance for someone with Hepatitis B?
The best life insurance for someone with hepatitis B will vary depending on your age, gender, location, coverage amount, the severity of the disease, and the treatment received.
Is there an age limit for burial insurance with Hepatitis B?
If you are 18-85 years old you can apply for burial insurance even if you have Hepatitis B.
How can you get the best life insurance rates with Hepatitis B?
The best way to get the best life insurance rates with hepatitis B is to shop around and compare quotes from different life insurance companies. Be sure to provide accurate information about your age, gender, location, coverage amount, and disease severity.
Can Hepatitis B medication affect my premium?
Yes, the medications you take for hepatitis B can affect your premium. The amount you will pay for coverage will depend on the type and dosage of the medication.
What are some things to keep in mind when getting life insurance with Hepatitis B?
When getting life insurance with hepatitis B, some things to keep in mind include your age, gender, location, coverage amount, and the severity of the disease. You must also provide accurate information about your diagnosis, treatment, and medications.
What are some tips for getting life insurance with Hepatitis B?
Some tips for getting life insurance with hepatitis B include:
- Compare quotes from different life insurance companies.
- Ensure accurate information about your diagnosis, treatment, and medications.
- Shop around and compare quotes from different life insurance companies.
