2022 Affordable Burial Insurance with Gout [Save Money Now]

Burial insurance with Gout

Getting 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.

In this article, you will learn how to qualify for the best plan at the best rate if you have gout.

FOR EASIER NAVIGATION:


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, it will be hard to find a company that will offer you a level death benefit plan with first-day coverage. In this case, your only option for insurance coverage is a 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 AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
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, 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 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. The only reason you will not qualify for first-day coverage is if you answered yes to the knockout section due to other health impairments or 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 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-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded 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 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 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 you will 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?

Trying to find a policy with gout 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 of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialized 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 insurance, or gout burial insurance, 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.

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