Affordable Burial Insurance with Gout
last updated on December 23, 2024Getting affordable burial insurance with gout is possible. People with gout are approved for insurance coverage all the time, regardless of the severity of their gout.
Gout is generally a non-issue with most insurance carriers, so you having gout will not affect your eligibility.
This article will teach you how to qualify for the best plan at the best rate if you have gout.
| TABLE OF CONTENTS | |
|---|---|
What Is My Best Insurance Option If I Have A History Of Gout?
Gout as a standalone condition is a non-issue with most insurance companies unless you have other serious health problems.
Your best burial insurance option with gout is a level death benefit plan. The great thing about a level death benefit plan is that you are covered from the first day, and you don’t have a waiting period. You will also pay the lowest premium with this plan.
Best Option: Level death benefit plan
MOBILITY ISSUES & ACTIVITIES OF DAILY LIVING
There are some cases when severe gout can cause disability and mobility issues. Severe gout may cause you to require help in performing the activities of daily living (ADL), such as eating, bathing, dressing, toileting, transferring, and continence.
Every life insurance company that asks health questions wants to know if you need help with any of these activities of daily living. If you need help with any of these ADLs, finding a company that offers you a level death benefit plan with first-day coverage will be hard. In this case, your only option for insurance coverage is guaranteed issue burial insurance.
Guaranteed issue or guaranteed acceptance burial insurance doesn’t ask health questions when you apply. Your approval is guaranteed even if you have severe gout and you can’t perform activities of daily living on your own.
You must be aware that guaranteed issue burial insurance has a two-year waiting period, and it cost more than a level death benefit plan. Guaranteed-issue policies will pay the death benefit if you die from an accident during the waiting period. However, if you die from natural causes during the waiting period, your beneficiary will only receive all the premiums you paid plus 7-10% interest.
Best Option: Guaranteed issue burial insurance
What Types Of Insurance Policies 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 |
Do I Need To Take A Medical Exam To Qualify For Burial Insurance With Gout?
You are NOT required to take a medical exam to qualify for burial insurance with gout.
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 Gout
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:
Most insurance companies never ask about gout in the health questionnaire.
Since most insurance carriers don’t ask about gout on their health questionnaire, you will easily qualify for first-day coverage. You will not qualify for first-day coverage only if you answered yes to the knockout section due to other health impairments or if you cannot perform any of the activities of daily living due to gout.
If you have no other health issues aside from gout, you will be eligible for a level death benefit plan without a waiting period.
How Much Insurance Do I Need If I Have Gout?
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.
Gout 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 |
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 Gout
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with gout
- Cremation insurance plan with gout
- Funeral home insurance plan with gout
- Final Expense insurance plan with gout
- Prepaid funeral plan insurance with gout
- Mortgage payment protection plan with gout
- Mortgage payoff life insurance plan with gout
- Deceased spouse’s income replacement plan with gout
- Legacy insurance gift plan to family or loved ones with gout Medical or doctor bill life insurance plan with gout
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 Insurance Rates If You Have Gout?
Buying burial insurance today is the best way to get the best insurance rates. You will pay the lowest rate when you are healthier and younger. You will never be as young and healthy as you do today.
By buying burial insurance today, you will be able to lock in the price at your current age and pay the same rate your whole life.
Working with an independent life insurance agency like Funeral Funds can also help you get the best rates because we can shop your case to different A-rated insurance companies that will accept all your health conditions.
How Can Funeral Funds Help Me?
Finding a gout policy 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 for 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 gout funeral, gout burial, or gout life insurance, we can help.
Fill out our instant quote form or call us at (888) 862-9456, and we can give you accurate burial insurance quotes.
Frequently Asked Questions
Can you get life insurance if you have gout?
Yes, many life insurance companies will still offer first-day coverage to people with gout. Gout on its own will not affect your insurance eligibility. However, mobility issues and the ability to perform activities of daily living may only qualify you for guaranteed issue life insurance.
Is gout a pre-existing condition for life insurance?
Yes, gout is a pre-existing condition for life insurance. This means that if you have been diagnosed with gout, you may be required to complete a medical exam as part of the application process.
Do I need to disclose gout on a life insurance application?
Yes, you will need to disclose gout on your life insurance application.
Do I need to take a medical exam if I have gout?
No, you do not need to take a medical exam if you have gout. However, you may be required to complete a medical exam as part of the application process.
What are the rates for life insurance with gout?
There is no one-size-fits-all answer to this question, as life insurance rates are based on a number of factors, including your age, health, and lifestyle.
Is there an age limit for burial insurance with gout?
Most life insurance companies accept applicants who are 18-85 years old.
What happens if I don’t disclose my gout on my life insurance application?
If you don’t disclose your gout on your life insurance application, the policy may be void, and the death benefit will not be paid.
Can a person with gout get burial insurance?
Yes, many life insurance companies will still offer first-day coverage to people with gout. Gout on its own will not affect your insurance eligibility. However, mobility issues and the ability to perform activities of daily living may only qualify you for guaranteed issue life insurance.
Can gout be considered a critical illness in life insurance?
No, gout is not considered a critical illness in life insurance. Critical illnesses are typically more serious conditions that require hospitalization, such as cancer or heart disease.
What is the waiting period for life insurance with gout?
You will typically have no waiting period with gout. However, if you have mobility issues and are unable to do activities of daily living on your own, you will have a two-year waiting period before your policy becomes active.
Is gout considered a terminal illness?
No, gout is not considered a terminal illness. Terminal illnesses are typically more serious conditions that have a life expectancy of six months or less.
Can you get first-day coverage insurance if you have gout?
Yes, many life insurance companies will still offer first-day coverage to people with gout. Gout on its own will not affect your insurance eligibility. However, mobility issues and the ability to perform activities of daily living may only qualify you for guaranteed issue life insurance with a two-year waiting period.
What are the things that may affect my eligibility if I have gout?
Some life insurance companies may consider your mobility and ability to perform activities of daily living when determining your eligibility. Gout itself will not typically affect your eligibility.
What is the life expectancy after gout?
Life expectancy is based on several factors, including your age, health, and lifestyle.
Which insurance is best for patients with gout?
A first-day coverage plan is the best option for people with gout. You can easily qualify for this plan if you have no mobility issues and can perform daily living activities on your own.
Is gout disease a disability?
Gout is not considered a disability. Disabilities are typically more serious conditions that prevent you from working or performing activities of daily living.
Can I qualify for cremation insurance with a history of gout?
Yes, you can still qualify for cremation insurance with a history of gout. Gout on its own will not affect your eligibility. However, mobility issues and the ability to perform activities of daily living may only qualify you for guaranteed issue life insurance.
I have gout in my family, will it affect my insurance rates?
No, having gout in your family will not affect your insurance rates. Life insurance rates are based on your age, health, and lifestyle.
How do you get life insurance after a gout diagnosis?
You can get life insurance after a gout diagnosis by applying for a policy with the help of an independent life insurance agent.
What is my best insurance option if I have gout?
A first-day coverage plan is the best option for people with gout. You can easily qualify for this plan if you have no mobility issues and can perform daily living activities on your own.
What are the restrictions of life insurance with gout?
There are no restrictions on life insurance with gout. Gout on its own will not affect your eligibility.
Is gout fatal in life insurance?
No, gout is not fatal in life insurance. Gout on its own will not affect your eligibility.
Can you be denied insurance for gout?
No, you cannot be denied insurance for gout. Gout on its own will not affect your eligibility.
How long does gout have to be controlled before I can get life insurance?
Gout does not have to be controlled before you can get life insurance. Gout on its own will not affect your eligibility.
What are the best life insurance companies for gout?
The best life insurance companies for gout are those that will offer first-day coverage. You can easily qualify for this plan if you have no mobility issues and can perform daily living activities on your own.
Is there a waiting period for life insurance with gout?
No, there is no waiting period for life insurance with gout. Having gout can still qualify you for a first-day coverage plan.
Can gout affect your life insurance rates?
No, gout will not affect your life insurance rates. Life insurance rates are based on your age, health, and lifestyle.
Can gout medication affect my premium?
No, gout medication will not affect your premium. Life insurance rates are based on your age, health, and lifestyle.
What are the premiums for burial insurance with gout?
The premiums for burial insurance with gout will be the same as any other life insurance policy. Gout on its own will not affect your insurance rates.
What is the average cost of life insurance for someone with gout?
The average cost of life insurance for someone with gout will be the same as any other life insurance policy. Gout on its own will not affect your insurance rates.
What is the best way to get life insurance with gout?
The best way to get life insurance with gout is to apply for a policy with the help of an independent life insurance agent at Funeral Funds.
Can gout patients get final expense insurance?
Yes, gout patients can still get final expense insurance. Gout on its own will not affect your eligibility.
Do I need to tell insurance about gout?
No, you do not need to tell insurance about gout. Gout on its own will not affect your eligibility.
What if my gout is in remission?
If your gout is in remission, you will still be eligible for life insurance. Gout on its own will not affect your eligibility.
Is gout covered by a critical illness rider?
No, gout is not considered a critical illness. Gout on its own will not affect your eligibility.
Can gout affect life insurance?
No, gout will not affect your life insurance. Gout on its own is not a disqualifying condition.
What are the benefits of having life insurance with gout?
Life insurance with gout benefits is the same as any other life insurance policy. Gout on its own will not affect your coverage.
Can you be rejected for life insurance because of gout?
Yes, you can be rejected for first-day coverage insurance if you have mobility issues and cannot perform activities of daily living on your own. In this case, you can apply for guaranteed issue life insurance.
How can you get the best life insurance rates with gout?
The best way to get the best life insurance rates with gout is to apply for a policy with the help of an independent life insurance agent at Funeral Funds.
What is the best insurance option for people with gout?
The best insurance option for people with gout is a first-day coverage plan. You can easily qualify for this plan if you have no mobility issues and can perform daily living activities on your own.
What are some tips for getting life insurance with gout?
Some tips for getting life insurance with gout include:
- Apply for a policy with the help of an independent life insurance agent.
- Look for a policy with first-day coverage.
