2024 Burial Insurance after Breast Cancer
last updated on July 22, 2024Qualifying for burial insurance after breast cancer is easier than you think (in most cases). Whether you’re a cancer survivor or currently in treatment, you should know that burial insurance options are open for you.
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Current Cancer is a life-threatening health condition, and there are no insurance companies that offer 1st-day coverage to cancer patients undergoing current treatment.
We recommend current cancer patients purchase a guaranteed issue life insurance that asks no health questions but does come with a 2-year waiting.
In this article, you will find out precisely how life insurance providers underwrite breast cancer patients, how to find the best burial insurance after breast cancer, and how to find your lowest-cost option.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Breast Cancer?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Breast Cancer, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Breast Cancer
- How Much Insurance Do I Need If I Have Breast Cancer?
- How Should I Pay My Premiums?
- Breast Cancer and Burial Insurance Riders
- Information We Need if You Have Breast Cancer
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance after Breast Cancer
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance After Breast Cancer
What Is My Best Insurance Option If I Have A History Of Breast Cancer?
YOUR BREAST CANCER DIAGNOSIS AND TREATMENT IS MORE THAN 24 MONTHS
Most burial insurance companies ask about breast cancer within the last 24 months. Because your breast cancer treatment has been longer than 24 months, you can honestly answer “no” to the breast cancer question.
You are now eligible for level death benefit with first-day full coverage to companies with only a two-year look-back period on breast cancer.
You now have the chance to choose the best burial insurance after breast cancer and the lowest premium.
You will receive first-day full coverage, and you won’t have a two-year waiting period. Your beneficiary will receive a 100% death benefit if you pass away for any reason.
Best Option: Level death benefit plan with first-day coverage
YOU’RE CANCER FREE FROM FOR 24 MONTHS OR LONGER
If you have finished breast cancer treatment and are now cancer-free, you have the best insurance options. Since it’s been more than 24 months since your last treatment, you can now honestly answer “NO” to the breast cancer question on the application.
We can help you get approved for a level death benefit plan if this is you. You will be 100% covered on the first day and will not have a waiting period on your policy. And you will also pay the lowest premium.
Best Option: Level death benefit plan with first-day coverage
YOU’RE DIAGNOSED OR UNDERGOING BREAST CANCER TREATMENT IN THE LAST 24 MONTHS
Every burial insurance company asks about breast cancer within a minimum period of two years. If you’ve been currently diagnosed with breast cancer, been in treatment in the last 24 months, or are in remission, you fall under the highest risk category.
Your best option is to get approved for a guaranteed issue whole life insurance. Even with cancer, you can still get an affordable premium and only have a two-year waiting period.
Best Option: Guaranteed issue whole life insurance
WHY DO YOU NEED A GUARANTEED ISSUE BURIAL INSURANCE IF YOU’RE CURRENTLY DIAGNOSED WITH BREAST CANCER OR UNDERGOING TREATMENT?
We recommend purchasing a guaranteed issue burial insurance plan with a two-year waiting period if you’re currently undergoing treatment because your health could change at any moment.
Tomorrow is uncertain, and you could develop other health problems due to breast cancer. Additional other health conditions may prevent you from qualifying for first-day coverage.
Postponing your application until you finish your treatment is not wise.
If you wait 24 months to get better burial insurance options, any significant changes in your health may disqualify you for a first-day coverage plan, and a guaranteed issue (GI) plan will be your only option for coverage.
If you purchase a guaranteed burial insurance plan now, you start working on the waiting period immediately, and whatever happens to your health in the future, you are covered.
GI plan may be more expensive than a plan with health questions, but your approval is guaranteed. Purchasing this plan is worth it in the long run. You will not lose any money with a GI plan, and it costs less than having no insurance coverage.
If a guaranteed issue burial insurance is your only option for insurance coverage because of your breast cancer, apply now, and start working on your waiting period.
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 Breast Cancer, 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 after breast cancer.
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 Breast Cancer
The best way to get the lowest premium is by applying for life insurance before a cancer diagnosis. However, if you already have breast cancer, your next best option is to apply for burial insurance coverage with medical underwriting (burial insurance with underwriting means they ask health questions)
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:
Every burial insurance company will ask about cancer or treatments in the application process.
Common breast cancer treatments:
- Lumpectomy (wide excision)
- Mastectomy
- Chemotherapy
- Hormone therapy
- Immunotherapy
- Radiation therapy
You will most likely see breast cancer or any type of cancer asked in the health questionnaire this way:
- In the last 24 months, have you been diagnosed with any type of cancer or been advised to receive treatment for cancer?
- In the last 24 months, have you been treated for any cancer?
- In the last three years, have you been diagnosed with cancer or received radiation or chemotherapy for cancer?
- Have you been treated for internal cancer in the last three years?
Every burial insurance company is different, but that’s the most common way cancer will be asked in the health questionnaire.
Note: If you say “yes” to any cancer question in the knockout section of the application, the insurance company WILL NOT offer you a level death benefit with first-day coverage.
There is a 24-month minimum lookback period on cancer
Almost every burial insurance company that has a health question has a minimum of 24 month look back period on cancer.
PRESCRIPTION HISTORY CHECK
The insurance companies will also perform electronic prescription history checks to verify your current health condition and your answers to the health questions.
Here are the common cancer medications; life insurance companies look for:
- Arimidex
- Aromasin
- Cyclophosphamide
- Exemestane
- Femara
- Fulvestrant
- Herceptin
- Letrozole
- Tamoxifen
- Taxol
- Taxotere
- Trexall
- Xeloda
- Zoladex
There are hundreds of different prescription medications for breast cancer, but the above are the most common.
If you have been taking any of these meds within 24 months, most burial insurance companies will assume you are receiving breast cancer treatment.
How Much Insurance Do I Need If I Have Breast Cancer?
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.
Breast Cancer 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 Breast Cancer
When you request a burial insurance quote, we will ask you some health questions to better understand your current health.
These questions may include:
- When were you diagnosed with breast cancer?
- What is the grade or stage of your breast cancer?
- What breast cancer treatments did you have?
- How long did your breast cancer treatment last?
- What medications do you take for breast cancer?
- Are you in remission now?
- How long have you been in remission?
- Have you experienced any relapses?
Your answers to these breast cancer questions will help us determine the type of burial insurance plan you will qualify for and how much life insurance companies will charge you.
We specialize in helping breast cancer patients, and survivors get the best burial insurance policy they need. We will help you by pairing you with the life insurance provider that offers the best rates for breast cancer patients and survivors.
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 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 After Breast Cancer
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan after breast cancer
- Cremation insurance plan after breast cancer
- Funeral home insurance plan after breast cancer
- Final Expense insurance plan after breast cancer
- Prepaid funeral plan insurance after breast cancer
- Mortgage payment protection plan after breast cancer
- Mortgage payoff life insurance plan after breast cancer
- Deceased spouse’s income replacement plan after breast cancer
- Legacy insurance gift plan to family or loved ones after breast cancer
- Medical or doctor bill life insurance plan after breast cancer
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 breast cancer 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 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 breast cancer funeral, breast cancer burial, or 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 After Breast Cancer
Can a person with breast cancer get life insurance?
A person with breast cancer can get life insurance, but it may be more difficult to qualify for a first-day coverage plan if you have not been cancer-free for two years or longer.
Is breast cancer a pre existing condition?
Yes, breast cancer is a pre-existing condition.
Can a person with breast cancer get burial insurance?
Yes, a person with breast cancer can get burial insurance. You can even qualify for a first-day coverage plan if you’ve been cancer-free for two years or longer.
Can I be denied life insurance because of a pre-existing condition like cancer?
Yes. You can be denied life insurance if you have a condition like cancer. However, some life insurance companies may offer you coverage.
Can you get life insurance after a diagnosis?
Yes, people diagnosed with cancer can still get life insurance. While your options may be more limited to guaranteed issue life insurance, getting covered can provide important financial protection for you and your family.
Can you get first-day coverage insurance if you have breast cancer?
Yes, a person with breast cancer can get first-day coverage insurance if they have been cancer-free for two years or longer.
Which insurance is best for patients with breast cancer?
The best insurance option for people who have been cancer-free for two years or longer is a first-day coverage plan. However, if you have a recent breast cancer diagnosis and treatment, your best option is to get guaranteed issue life insurance.
Can breast cancer considered critical illness in life insurance?
Yes, breast cancer can be considered a critical illness in life insurance.
Can I get final expense insurance after breast cancer?
Yes, you can get final expense insurance after breast cancer. Many life insurance companies offer first-day coverage plans to people who have been cancer-free for two years or longer.
Do I need to tell insurance about breast cancer?
You need to tell your life insurance company about your breast cancer diagnosis. Your policy could be denied if the insurance company finds out about your cancer diagnosis after you have passed away.
Is there a waiting period for life insurance if you have cancer?
Yes, there is typically a waiting period of two years or more for life insurance if you have had cancer or treatment within the last two years. However, there are some life insurance companies that may offer you coverage sooner.
What is my best final expense insurance option if I have breast cancer?
If you have been cancer-free for two years, your best insurance option is a first-day coverage plan. However, if you have a recent breast cancer diagnosis and treatment, your best option is to get guaranteed issue life insurance.
What are the things that may affect my eligibility if I have breast cancer?
If you have breast cancer, the following things may affect your eligibility for life insurance:
- Your age
- The stage of your cancer
- Your treatment history
- Your overall health
- Whether your cancer is active or in remission
- Cancer medications
Can I qualify for cremation insurance with a history of breast cancer?
Yes, you can qualify for cremation insurance if you have a history of breast cancer. Many life insurance companies offer first-day coverage plans to people who have been cancer-free for two years or longer.
Is breast cancer a pre-existing condition for life insurance?
Yes, breast cancer is a pre-existing condition for life insurance. Your policy may be denied if you have a history of breast cancer.
Do I need to take a medical exam if I have breast cancer?
No, you don’t need to take a medical exam if you have breast cancer.
Can you be denied insurance for breast cancer?
Yes, you can be denied life insurance for breast cancer. However, some life insurance companies may offer you coverage.
Is breast cancer a disability?
No, breast cancer is not a disability. However, you may be eligible for long-term disability insurance if your cancer treatment has prevented you from working.
Can I get life insurance after a mastectomy?
Yes, you can get life insurance after a mastectomy. In fact, many life insurance companies offer first-day coverage plans to people who have been cancer-free for two years or longer.
Is breast cancer fatal in life insurance?
No, breast cancer is not fatal in life insurance. However, your policy could be denied if the insurance company finds out about a recent cancer diagnosis after you have passed away.
Can I get funeral insurance if I had breast cancer?
Yes, you can get funeral insurance if you have had breast cancer. Many life insurance companies offer first-day coverage plans to people who have been cancer-free for two years or longer.
What is the average cost of life insurance for someone with breast cancer?
The average cost of life insurance for someone with breast cancer varies depending on the life insurance company you choose. However, most life insurance companies charge higher premiums for people with a history of cancer.
Can I get life insurance if I have metastatic breast cancer?
Yes, you can get life insurance if you have metastatic breast cancer. However, you will only qualify for guaranteed issue life insurance.
What are some tips for getting life insurance with breast cancer?
Here are some tips for getting life insurance with breast cancer:
1. Choose a life insurance company that offers first-day coverage plans (like Funeral Funds).
2. Get guaranteed issue life insurance if you have been cancer-free for less than two years.
3. Disclose your cancer diagnosis to the life insurance company.
4. Disclose all of your medications to the insurance company.
What are some things to consider when choosing a burial policy with breast cancer?
When choosing a burial policy with breast cancer, you should consider the following:
- The cost of the policy.
- The type of policy you need.
- The life insurance company you choose.
- Your cancer diagnosis.
- Your treatment history.
- Your overall health.
- Whether your cancer is active or in remission.
- Cancer medications.
- The stage of your cancer.
- Whether you have had a mastectomy.
Can breast cancer affect life insurance?
Yes, breast cancer can affect life insurance. In fact, many life insurance companies charge higher premiums for people with a history of cancer.
Can you be rejected for life insurance because of breast cancer?
Yes, you can be rejected for life insurance because of breast cancer. However, some life insurance companies may offer you coverage.
Can breast cancer affect your life insurance rates?
Yes, breast cancer can affect your life insurance rates. Many life insurance companies charge higher premiums for people with a history of cancer.
Can breast cancer medication affect my premium?
Yes, breast cancer medication can affect your premium. In fact, many life insurance companies charge higher premiums for people taking cancer medications.
Is there an age limit for burial insurance with breast cancer?
You can apply for burial insurance if you are 18-85 years old.
How can you get the best life insurance rates with breast cancer?
To get the best life insurance rates with breast cancer, you should work with an independent life insurance agent who can recommend the best insurance plan based on your needs and budget.
