2022 Burial Insurance with Cirrhosis of the Liver

Are you having trouble finding affordable burial insurance with Cirrhosis of the liver? Don’t worry. We are experts at helping clients with cirrhosis get burial insurance.

At Funeral Funds, we specialize in high-risk life insurance and we have access to the best high-risk insurance companies.

It’s going to be a big time-saver for you!

Read on because in this article we will going to show how insurance companies underwrite cirrhosis applicants and how you can qualify for the best plan.

FOR EASIER NAVIGATION:

WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF CIRRHOSIS?

Liver cirrhosis is a serious condition that affects the whole body. Ultimately, this disease reduces your life expectancy. Because of this, many insurance carriers consider those with cirrhosis to be high-risk applicants.

However, having cirrhosis of the liver will not disqualify you from qualifying for final expense insurance, funeral insurance, cremation insurance, or burial insurance plan.

If you have liver cirrhosis your best option is a plan with first-day benefits. This hybrid coverage will cover you from the first day and your death benefit will be phased in over time. This is an excellent plan because you don’t have to endure a 2-year waiting period before getting covered.

We work with companies offering first-day benefits, and we will get you covered.


WHAT TYPES OF BURIAL INSURANCE 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

IF I HAVE CIRRHOSIS, 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 cirrhosis of the liver.

When you apply for burial insurance with liver cirrhosis, you only have to answer some basic health questions. The application process is simple, and you don’t need to provide medical records or blood and urine samples.

They will also conduct a prescription medicine check to see the list of medications you are taking.

You’ll get the official approval from the insurance company often within minutes!


BURIAL INSURANCE UNDERWRITING IF YOU HAVE CIRRHOSIS

Every life insurance company will want to know if you have liver cirrhosis. They will verify your current health by asking you some basic health questions on their application.

Liver cirrhosis questions are often asked this way:

  • Have you ever had, or been diagnosed with, or received, or been advised to receive treatment or medication for liver disease or conditions such as chronic hepatitis or cirrhosis of the liver?
  • During the past 24 months, have you been diagnosed with cirrhosis or liver disease?

In some cases, you will not see the word “liver cirrhosis” on the health questionnaire. They will refer to it this way:

  • Have you been diagnosed or treated for any liver condition?

You need to honestly answer “yes” to that health question because cirrhosis is a liver disease.


Liver Transplant

Every insurer with underwriting will ask about transplants in their health questionnaire.

You will see the question asked this way:

  • Do you have an organ or bone marrow transplant? Are you advised to get one?

Having a liver transplant or been advised to get one will cause every burial insurance company to not offer you immediate coverage. Your only option with a liver transplant is a guaranteed issue policy. You will need to wait at least 2 years before you will be fully covered.


HOW MUCH INSURANCE DO I NEED IF I HAVE CIRRHOSIS?

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.


CIRRHOSIS 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 INSURANCE

  1. Easy to qualify – Applying for a guaranteed issue policy is straightforward. There are no health questions or medical exams required. Your application will be approved if you meet the age requirements and the policy is available in your state.
  2. The death benefit is fixed – Your death benefit will never decrease because of advancing age or health condition. Your beneficiaries will receive the full amount of your policy when you pass away.
  3. Level premium – Your monthly premium will never increase. Your monthly insurance bill will remain the same throughout the life of your policy.
  4. Tax-free – Your beneficiary will receive the full death benefit tax-free when you pass away.
  5. Not cancellable – Your policy cannot be canceled by the insurance company as long as you pay your premiums on time.
  6. Builds cash value – Guaranteed issue policy has a cash value component that accumulates over time.
  7. You can choose a minimal amount of coverage – You can buy coverage as low as $2,000 to a maximum of $50,000.


FINDING AFFORDABLE BURIAL INSURANCE WITH LIVER CIRRHOSIS

If you’ve been diagnosed with liver cirrhosis and want to find the most affordable burial insurance with cirrhosis, one of the most important steps you can make toward getting the lowest pricing is to work with an independent life insurance agency like Funeral Funds.

We are experts in life insurance underwriting requirements for liver cirrhosis and other liver diseases. We will help you get the coverage you need at a rate within your budget.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy with cirrhosis needn’t be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies to get 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 funeral or burial insurance with cirrhosis in your medical history, 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Cirrhosis of the Liver Infographic

ADDITIONAL QUESTIONS & ANSWERS ON BURIAL INSURANCE WITH CIRRHOSIS OF THE LIVER

Can you get life insurance if you have cirrhosis of the liver?

Yes, you can get life insurance if you have cirrhosis of the liver. However, you will only qualify for a first-day benefit plan because there is a greater risk that you will die prematurely if you have cirrhosis.


Is cirrhosis of the liver considered a disability?

No, cirrhosis of the liver is not considered a disability. However, if you have other health complications related to cirrhosis, you may qualify for disability benefits.


How much does liver cirrhosis insurance cost?

The cost of liver cirrhosis insurance will depend on the severity of your condition and other factors such as your age, gender, location, coverage amount, and smoking status.


Is cirrhosis of the liver a critical illness?

No, cirrhosis of the liver is not a critical illness. However, it is a chronic condition that can lead to serious health complications.


Can you get burial insurance with end-stage liver disease?

Yes, you can get life insurance with end-stage liver disease. However, you will only qualify for a first-day benefit plan.


What is the life expectancy of someone with liver cirrhosis?

The life expectancy of someone with liver cirrhosis can vary depending on the stage of the disease and other health conditions. However, most people with liver cirrhosis do not live more than five years after diagnosis.


Can a person with liver cirrhosis get burial insurance?

Yes, a person with liver cirrhosis can get burial insurance. However, they will only qualify for a first-day coverage plan. This means that the death benefit will be paid out on the day of their death.


Can you get life insurance with alcoholic cirrhosis?

Yes, you can get life insurance with alcoholic cirrhosis. However, you will only qualify for a first-day benefit plan.


Is cirrhosis of the liver a pre-existing condition?

Yes, cirrhosis of the liver is a pre-existing condition. However, most life insurance companies will still consider you for coverage if you have this condition.


I have cirrhosis of the liver. Can I get funeral insurance?

Yes, you can get life insurance if you have cirrhosis of the liver. However, you will only qualify for a first-day benefit plan because there is a greater risk that you will die prematurely if you have cirrhosis.


Which insurance is best for patients with liver cirrhosis?

A first-day benefit plan is the best option for people with liver cirrhosis. No insurance company will offer a first-day coverage plan because they consider people with cirrhosis of the liver to be high-risk.


Can liver cirrhosis be considered a critical illness in life insurance?

No, cirrhosis of the liver is not a critical illness. However, it is a chronic condition that can lead to serious health complications.


Can I get life insurance with hepatitis C and cirrhosis?

Yes, you can get life insurance with hepatitis C and cirrhosis. However, you will only qualify for a first-day benefit plan.


Can you get first-day coverage insurance if you have liver cirrhosis?

No, insurance companies will not offer first-day coverage for people with liver cirrhosis because they are considered high-risk.


My husband has cirrhosis of the liver. Can I get life insurance on him?

Yes, you can get life insurance on your husband if he has cirrhosis of the liver. However, he will only qualify for a first-day benefit plan.


I have cirrhosis of the liver. What are my options for life insurance?

Your best option is to apply for a first-day benefit plan. This is because no life insurance company will offer you full coverage if you have cirrhosis of the liver.


Can I get burial insurance after a liver transplant?

Yes, you can get burial insurance after a liver transplant. However, you will only qualify for a guaranteed issue life insurance policy.


Is liver cirrhosis a pre-existing condition for life insurance?

Yes, cirrhosis of the liver is a pre-existing condition for life insurance. However, most life insurance companies will still consider you for coverage if you have this condition.


What is the best life insurance policy for people with liver cirrhosis?

The best life insurance policy for people with liver cirrhosis is a first-day benefit plan. This is because no life insurance company will offer you first-day full coverage if you have cirrhosis of the liver.


Do I need to tell insurance about cirrhosis of the liver?

Yes, you need to disclose any pre-existing medical conditions when you apply for life insurance. This is because the insurance company will review your health history before deciding whether to offer you coverage.


Can you be denied insurance for liver cirrhosis?

Yes, you can be denied insurance for liver cirrhosis. This is because the insurance company will review your health history before deciding whether to offer you coverage. It is best to work with an independent life insurance agent who knows which companies accept people with liver cirrhosis.


Can I qualify for cremation insurance with a history of liver cirrhosis?

Yes, you can qualify for cremation insurance with a history of liver cirrhosis. However, you will only qualify for a first-day benefit plan.


Is liver cirrhosis fatal in life insurance?

Yes, cirrhosis of the liver can be fatal in life insurance. This is because there is a greater risk that you will die prematurely if you have this condition.


What is the average cost of life insurance for someone with liver cirrhosis?

The average cost of life insurance for someone with liver cirrhosis will vary depending on your age, health history, and the type of life insurance policy you choose.


What are some tips for getting life insurance with liver cirrhosis?

Some tips for getting life insurance with liver cirrhosis are:

  • Work with an independent life insurance agent who understands your condition and can help you find a policy that meets your needs.
  • Apply for a first-day benefit plan, which is a type of life insurance that does not require a medical exam.
  • Be honest about your health history when you apply for life insurance. The insurance company will review your medical records before making a decision.
  • If you are denied life insurance, ask the agent to review your case with the insurance company’s underwriter. There may be a chance that they will reconsider your application if you provide more information about your condition.


Can liver cirrhosis patients get final expense insurance?

Yes, liver cirrhosis patients can get final expense insurance. However, they will only qualify for a first-day benefit plan.


What is the waiting period for life insurance with liver cirrhosis?

The waiting period for life insurance with liver cirrhosis is two years. This is because the insurance company wants to make sure that you are stable and have a low risk of death before offering you coverage.


Can cirrhosis of the liver affect life insurance?

Yes, cirrhosis of the liver can affect life insurance. This is because there is a greater risk that you will die prematurely if you have this condition. If you have cirrhosis of the liver, it is important to disclose this information when you apply for life insurance. Most life insurance companies will still consider you for coverage.


Can you be rejected for life insurance because of liver cirrhosis?

Yes, you can be rejected for life insurance because of liver cirrhosis. This is because the insurance company will review your health history before deciding whether to offer you coverage. It is best to work with an independent life insurance agent who knows which companies accept people with liver cirrhosis.


Can liver cirrhosis affect your life insurance rates?

Yes, liver cirrhosis can affect your life insurance rates. This is because there is a greater risk that you will die prematurely if you have this condition.


Is there an age limit for burial insurance with liver cirrhosis?

If you are 18-85 years old you can apply for burial insurance even if you have liver cirrhosis.


How can you get the best life insurance rates with liver cirrhosis?

The best way to get the best life insurance rates with liver cirrhosis is to work with an independent life insurance agent who understands your condition and can help you find a policy that meets your needs.


Can liver cirrhosis medication affect my premium?

Yes, liver cirrhosis medication can affect your premium. This is because the insurance company wants to make sure that you are stable and have a low risk of death before offering you coverage. It is important to disclose all of your medications when you apply for life insurance.

RELATED POSTS:

Call Now ButtonCALL NOW (888) 862-9456