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 $30,000 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 PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES
FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


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 disease. 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

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