2024 Burial Insurance With Cystic Fibrosis

Finding affordable burial insurance with cystic fibrosis is critical if you want your family to have peace of mind when you pass away. We know the last thing you want to happen is to leave your family with the financial burden of paying for your funeral.

A history of cystic fibrosis will not prevent you from being approved for this important insurance coverage.

If you have cystic fibrosis and you are considering applying for a burial insurance policy, keep reading and we will give you an overview of cystic fibrosis burial insurance underwriting and how to get the best rate possible.


What Is My Best Insurance Option If I Have A History Of Cystic Fibrosis?

If you have cystic fibrosis, your best option for insurance coverage is a level death benefit plan.

Best Option: Level death benefit plan with first-day coverage

You will be fully covered from the first day and have no waiting period. When you pass away, your beneficiaries will receive 100% of the death benefit.


For cystic fibrosis patients with other medical conditions or supplemental oxygen use, you will qualify for guaranteed acceptance life insurance.

Best Option: Guaranteed issue burial insurance

Guaranteed acceptance life insurance does not require a medical exam or health questions. It has a two-year waiting period. If you die during the first two years of the policy, your beneficiary will get all the premiums that you paid, plus an additional 10%. They would only get the full death benefit if you die after 24 months.

What Types Of Burial Insurance Should I Avoid?

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?

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 Cystic Fibrosis, 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 with cystic fibrosis.

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 Cystic Fibrosis

Burial insurance companies conduct underwriting by asking health questions and checking your prescription history to verify your medical condition.


You will typically see Cystic fibrosis asked this way:

  • Have you ever been diagnosed with or been treated for Cystic fibrosis or other lung diseases?
  • Have you ever been treated for any chronic lung conditions?
  • Within the past 24 months, have you been medically diagnosed or treated or taken medication for cystic fibrosis or required oxygen equipment to assist in breathing?

Some burial insurance companies consider Cystic fibrosis as a chronic lung condition like asthma, COPD, emphysema, and chronic bronchitis. If you have cystic fibrosis, you need to answer “yes” to the lung disease question since cystic fibrosis is a lung disease.

We work with insurance companies that don’t even ask about cystic fibrosis on the health questionnaire. Insurance companies that don’t ask about this medical condition will easily approve your application with first-day coverage.


Insurance companies will electronically review your medication history to verify your health conditions.

There are certain medications they will be on the lookout for when it comes to cystic fibrosis.

Here’s a list of common CF medications that, if taken, will be considered a cystic fibrosis patient.

  • Ivacaftor (Kalydeco)
  • Dornase Alfa (Pulmozyme)
  • Orkambi
  • Antibiotics to treat and prevent lung infection
  • Anti-inflammatory medications to reduce airway swelling
  • Mucus-thinning agents to help keep airway passages clear
  • Oral pancreatic enzymes help absorb nutrients in the digestive system
  • Inhaled bronchodilators

Taking Cystic fibrosis medications will not make you ineligible for burial insurance coverage. Most of the medications and treatments are a complete non-issue with burial insurance companies.

How Much Insurance Do I Need If I Have Cystic Fibrosis?

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.

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
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Median Cost of a Funeral With Viewing and Burial$9,420
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
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.

Cystic Fibrosis 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:

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

How To Get The Best Burial Insurance Rates For Cystic Fibrosis Patients?

An experienced independent life insurance agency like Funeral Funds can get you the best burial insurance rates for cystic fibrosis. We will locate the best insurance carrier that understands your medical condition and issue first-day coverage.

The main advantage of Funeral Funds is our ability to compare policies and offers across multiple insurance companies. We can shop the market for you because we know that companies will accept you and offer first-day coverage at the lowest rates.

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 Cystic Fibrosis

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with cystic fibrosis
  • Cremation insurance plan with cystic fibrosis
  • Funeral home insurance plan with cystic fibrosis
  • Final Expense insurance plan with cystic fibrosis
  • Prepaid funeral plan insurance with cystic fibrosis
  • Mortgage payment protection plan with cystic fibrosis
  • Mortgage payoff life insurance plan with cystic fibrosis
  • Deceased spouse’s income replacement plan with cystic fibrosis
  • Legacy insurance gift plan to family or loved ones with cystic fibrosis
  • Medical or doctor bill life insurance plan with cystic fibrosis

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 had cystic fibrosis can be frustrating if you do it on your own.

You don’t need to waste your precious time searching for different insurance companies; we will do the work for you.

Here at Funeral Funds, we specialize in obtaining life insurance coverage for people with a history of cystic fibrosis.

So, if you are looking for burial insurance with cystic fibrosis, funeral insurance with cystic fibrosis, or final expense insurance with cystic fibrosis, we can help.

Fill out our quote form on this page or call us at (888)862-9456 to get free burial insurance quotes.

Additional Questions & Answers On Burial Insurance With Cystic Fibrosis

Can I get life insurance with cystic fibrosis?

Yes, people with cystic fibrosis can get life insurance. They may even qualify for a first-day coverage plan if they do not use supplemental oxygen daily.

Is cystic fibrosis a pre existing condition?

Yes, cystic fibrosis is a pre-existing condition if it is diagnosed before you apply for life insurance coverage.

Is cystic fibrosis a chronic or terminal illness?

Cystic fibrosis is a genetic disease of the mucus glands affecting children’s and adults’ respiratory and digestive systems. Cystic fibrosis is a chronic illness that can get worse over time.

What kills you when you have cystic fibrosis?

Cystic fibrosis can be life-threatening. People with cystic fibrosis die because of respiratory failure.

Can I get burial insurance with cystic fibrosis?

Yes, you can get burial insurance even if you have cystic fibrosis. If you are 50-85 years old, you may easily qualify for a first-day coverage plan if you do not use supplemental oxygen daily.

Will cystic fibrosis ever be cured?

Unfortunately, there are no cures for cystic fibrosis. However, many treatments can help ease the symptoms, slow the progression of the disease, and improve the quality of life.

Is cystic fibrosis considered immunocompromised?

Yes, people with cystic fibrosis are considered immunocompromised because they have a weak immune system, especially those who had lung transplants. People with cystic fibrosis have an increased risk of severe illness from Covid.

What happens to the lungs with cystic fibrosis?

People with cystic fibrosis have thickened mucus in the lungs, pancreas, and other organs. The mucus in the lungs can block the airways and create lung damage in the long run.

Can I get funeral insurance with cystic fibrosis?

Yes, you can get funeral insurance if you have cystic fibrosis. Many life insurance companies offer life insurance coverage to people with cystic fibrosis and other lung diseases.

How do insurance companies know if you have a pre-existing condition?

Life insurance companies offering first-day coverage plans ask health questions on the application. They can also access your medical records through the Medical Information Bureau.

Is cystic fibrosis always fatal?

Cystic fibrosis can be fatal because it tends to get worse over time. A serious lung infection can be fatal because they can force the lungs to stop working properly.

How long can you live with cystic fibrosis?

People with cystic fibrosis who live to adulthood may live for about 44 years.

What happens if cystic fibrosis is left untreated?

If cystic fibrosis is left untreated, people with cystic fibrosis may develop a chest infection and chronic diarrhea. 

Can I get cremation insurance with cystic fibrosis?

Yes, people with cystic fibrosis (CF) can get cremation insurance. Many insurance companies offer coverage to people with cystic fibrosis, they may even qualify for a first-day coverage plan.

Can CF go away?

Sadly, there is no cure for cystic fibrosis. Modern treatments can ease symptoms and improve the quality of life. Early diagnosis and treatment can slow the progression of this disease and prolong life.

What triggers cystic fibrosis?

Cystic fibrosis is caused by the mutation of a gene called cystic fibrosis transmembrane conductance regulator. If this gene is not working properly cystic fibrosis may get worse.

Is there a mild form of cystic fibrosis?

Yes, atypical cystic fibrosis is a milder form of cystic fibrosis. Individuals with atypical cystic fibrosis might only have mild dysfunction in the organ systems.

Can you get cystic fibrosis at any age?

Yes, cystic fibrosis may manifest at any age. Some adults with no symptoms during childhood may still be diagnosed with cystic fibrosis later in life.

Can I get final expense insurance with cystic fibrosis?

Yes, you can get final expense insurance with cystic fibrosis. Final expense insurance is available to people who are 50-85 years old.

Can cystic fibrosis go undiagnosed?

Yes, atypical cystic fibrosis or a mild form of CF can remain undiagnosed until adulthood. Cystic fibrosis is often diagnosed during the early years, but people diagnosed with CF in adulthood have a higher life expectancy than those diagnosed during childhood.

How does cystic fibrosis affect the body?

Cystic fibrosis can cause thick mucus in the lungs, pancreas, and intestines. This condition can lead to malnutrition, frequent respiratory infections, and breathing problems.

Is cystic fibrosis autoimmune disease?

Yes, cystic fibrosis is considered an autoimmune disease because it can cause the body to attack its tissue.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Cystic Fibrosis Infographics


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