2023 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Cirrhosis, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Cirrhosis
- How Much Insurance Do I Need If I Have Cirrhosis?
- How Should I Pay My Premiums?
- Cirrhosis and Burial Insurance Riders
- Benefits of Burial Insurance
- Finding Affordable Burial Insurance with Liver Cirrhosis
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Cirrhosis Of The Liver
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, liver cirrhosis 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 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 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 liver cirrhosis.
When you apply for burial insurance with liver cirrhosis, you only have to answer some basic health questions. The application process is simple; you don’t need to provide medical records or blood and urine samples.
They will also conduct a prescription medicine check to see your list of medications.
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 fully covering.
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 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 Insurance
- 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.
- 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.
- Level premium – Your monthly premium will never increase. Your monthly insurance bill will remain the same throughout the life of your policy.
- Tax-free – Your beneficiary will receive the full death benefit tax-free when you pass away.
- Not cancellable – Your policy cannot be canceled by the insurance company as long as you pay your premiums on time.
- Builds cash value – Guaranteed issue policy has a cash value component that accumulates over time.
- 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
Suppose you’ve been diagnosed with liver cirrhosis and want to find the most affordable burial insurance with cirrhosis. In that case, one of the most important steps to get 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?
Finding a cirrhosis policy needn’t be frustrating, 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 specialize 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.
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 liver cirrhosis.
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 full first-day coverage if you have liver cirrhosis.
Do I need to tell insurance about cirrhosis of the liver?
Yes, you must disclose any pre-existing medical conditions when applying 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. The insurance company will review your health history before deciding whether to offer you coverage. Working with an independent life insurance agent who knows which companies accept people with liver cirrhosis is best.
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, 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 ensure 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 liver cirrhosis, it is important to disclose this information when applying 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. The insurance company will review your health history before offering you coverage. Working with an independent life insurance agent who knows which companies accept people with liver cirrhosis is best.
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 ensure you are stable and have a low risk of death before offering you coverage. It is important to disclose all your medications when applying for life insurance.
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4 Comments
Renee
Please send information to my email. Thank you.
Funeral Funds
Renee – You can get a free quote by visiting this page – https://funeralfunds.com/free-quote/
Erma brown
I'm trying to get insurance on my boyfriend he had liver cirrhosis
Funeral Funds
Emma – That would be a 2-year waiting period only policy.