Trying to find affordable burial insurance with Emphysema may be difficult. Emphysema is a progressive lung disease that is not curable and is the third leading cause of death in the U.S. for some time now.
Emphysema can create damage in the lungs and can become a severe and even life-threatening medical condition. For this reason, insurance companies do not look at this condition favorably.
People with emphysema are likely to pass away much sooner than those who do not have this condition. This means the insurance company is at a greater risk of losing money. Some life insurance companies may not even offer coverage if you have emphysema because of this risk.
Trying to find a life insurance policy if you’re diagnosed with emphysema can be tricky and nearly impossible if you don’t know where to look.
One of the most important steps you can make toward getting coverage is to work with an independent life insurance agency life Funeral Funds that specialize in obtaining coverage for people with your condition.
The good news is that you can qualify for life insurance coverage even if you have emphysema. Funeral Funds have access to numerous life insurance companies and we can assist you in finding a policy that fit your needs.
If you work with us, we will help you find the best company with the best pricing quickly. We have helped many clients with emphysema secure affordable burial insurance. We can also help you save a lot of time and frustration in finding and qualifying you for the best life insurance and burial coverage.
WHY DO THE INSURANCE COMPANIES CARE ABOUT EMPHYSEMA?
Emphysema is a long-term, progressive lung disease that causes shortness of breath due to over-inflation of the air sacs (alveoli) in the lungs.
The lung tissue used in the exchange of oxygen and carbon dioxide is impaired or destroyed. When this tissue is damaged, the airways collapse, making it hard for the lungs to release that’s why the air becomes trapped in the alveoli. This leaves no room for fresh oxygen-rich air to enter.
Emphysema is an example of chronic obstructive pulmonary disease (COPD). It frequently occurs with obstructive pulmonary problems and chronic bronchitis with almost daily cough and phlegm. It is not a curable condition, but there are treatments that can help to manage the disease.
Like most lung-function diseases, smoking is the most often the leading cause of emphysema. Other causes are long-term exposure to irritants like marijuana smoke, air pollution, chemical fumes, and dust.
In rare cases, emphysema is caused by an inherited deficiency in alpha-1 antitrypsin, a protein that protects the elastic structures in the lungs.
Most insurance companies will want to know if you have serious lung problems before approving you for coverage.
Complications of Emphysema
The insurance companies know that most people with emphysema are more likely to develop conditions like:
- Heart Problems. Emphysema may increase the pressure in the arteries connecting the heart and lungs. It can result in cor pulmonale where a section of the heart expands and weakens.
- Large holes in the lungs or bullae. Emphysema patients can develop empty spaces in the lungs called bullae. It can be as large as half of the lung. It can reduce the amount of space available for the lung to expand. Large holes or bullae can increase your risk of pneumothorax or collapsed lung.
- Collapsed lung or pneumothorax. A collapsed lung is life-threatening to people with severe emphysema because lung functions are already compromised. This condition is rare but serious when it occurs.
Treatment for Emphysema
Emphysema treatment can take many forms. Some are viewed favorably by insurance companies, and some are not.
A doctor may prescribe any of these treatments depending on the severity of your condition:
- Quit smoking. Stopping smoking may stop the progression of the disease and may improve the lung function to some extent. Smoking cessation may prevent the lung function from its rapid deterioration back to its standard rate after smoking is stopped.
- Bronchodilation medications (Albuterol, Ipratropium, Methylxanthines) can cause the air passages to open more fully and allow better air exchange. Bronchodilators are usually the first medication prescribed for shortness of breath.
- Medications are often prescribed if there is a suspected infection that increased shortness of breath. Even when there is no pneumonia, people treated with antibiotics tend to have shorter episodes of shortness of breath.
- Steroid medications. Steroids decrease inflammation in the body. It can reduce the inflammation in the lung and have shown benefit in emphysema. Steroids may be given orally or through an inhaler.
- Enhanced nutrition. People with breathing problems can burn many more calories than people in normal health. It can lead to weight loss and muscle mass. High-calorie diets are often prescribed as a health regimen to emphysema suffers.
- Sometimes it is necessary to have oxygen at home. There are home-based oxygen tanks and portable oxygen units that enable patients to be mobile and engage in normal day-to-day activities.
- Surgery. Lung transplant or lung volume reduction surgery is performed if both upper lobes of the lungs are involved. The operation allows a better expansion of the lower portion of the lungs. For most advanced emphysema, transplantation of either one or both lungs can improve quality of life for a few years.
BURIAL INSURANCE AND EMPHYSEMA UNDERWRITING
All life insurance companies want to know if you have emphysema.
You will often find it in the health questionnaire asked this way:
- Do you have, been told or been treated for, or been advised to receive treatment or medication for COPD or lung disease?
The carriers want to know if you have it. They do not ask any details about how mild or severe your condition is.
Aside from the health questions, burial insurance companies conduct prescription history check to verify your answer to the health questionnaire. There are Emphysema medications they are on the lookout for. If these medications show in your prescription history, you will be classified as a person having emphysema.
Here is a list of common medications for Emphysema that the life insurance underwriters will need to know before reviewing your life insurance application:
- Tiotropium (Spiriva)
- Ipratropium (Atrovent)
- Albuterol (Proventil, Ventolin, others)
- Salmeterol (Serevent)
- Formoterol (Foradil)
- Levalbuterol (Xopenex)
- Budesonide and formoterol (Symbicort)
- Fluticasone and salmeterol (Advair)
- Mometasone and formoterol (Dulera)
Asthma and Emphysema share many medications to treat both conditions.
Here’s a list of medications used to treat asthma and emphysema:
If you’re taking any of these medications, the insurance company will not necessarily treat you as emphysema patient.
However, if you have continuously filled a prescription for these medications, it could have been for emphysema. Some insurance companies look for a combination of certain drugs. If they see you taking 2-3 medication combination from asthma, chronic bronchitis, and emphysema drug list, they will consider you an emphysema patient.
Emphysema and Oxygen Use For Burial Insurance
Every life insurance company application asks about oxygen use. If you say yes to the oxygen use question, your application will be declined. The only oxygen use approved for life insurance is if the oxygen is used for sleep apnea.
If you are using oxygen at night for sleep apnea and you use the oxygen during the day for emphysema, you will still be disqualified for life insurance with underwriting.
If you have emphysema and you use oxygen to treat your condition, your best option to qualify for life insurance is a guaranteed issue life insurance policy.
NO MEDICAL EXAM COVERAGE
Your best option for emphysema burial insurance is to apply for a no medical exam policy. A non-medical exam policy makes it easier for those who have a pre-existing condition like emphysema to qualify for life insurance coverage.
Another possible option to get life insurance with emphysema is to apply for a guaranteed issue policy. There are no medical exams and no health questions to answer. You are guaranteed coverage regardless of your medical condition. You will be covered as long as you continue paying your premium.
No medical exam policies present a solution for people with pre-existing health conditions like emphysema who need life insurance by cannot qualify for coverage. It is critical to note that the premium for no medical exam or guaranteed issue policy is higher than that of medically underwritten policies. It is because the life insurance company is taking more risk in issuing the policy.
When applying for coverage with any of our carriers, you will not have to submit to the medical exam nor will you need to provide any information about your health.
If your emphysema is under proper treatment, you can qualify for immediate coverage. The longer you are in good health, the higher your chance to be eligible for a more affordable life insurance policy.
Even if your emphysema is deteriorating, you can still qualify for burial insurance. You can always get a guaranteed issue life insurance policy where you will be eligible regardless of your medical condition.
We will assist you in obtaining the coverage you need at a price you can afford. There are also some things you can do to get lower rates, like quitting smoking to stay healthy. It is essential to maintain good health to qualify for the best rate.
BURIAL INSURANCE WITH EMPHYSEMA
Level death benefit
If your emphysema is under control, you can qualify for immediate coverage.
It is the best burial insurance death benefit where you are fully covered from the first day, and you have no waiting period. If you die five months after the policy is in force, then your beneficiaries will receive 100% of the death benefit.
The level death benefit is the highest percentage level of death benefit we always try to get for our clients.
Graded death benefit
The graded death benefit is also called partial coverage.
It is the next best death benefit if you are not healthy enough to qualify for a level death benefit. The partial coverage works this way. If you purchased a $10,000 face amount and you pass away during the first year, your beneficiary will receive 40% of the death benefit. If you die in the second year, the policy will pay out 75% of the death benefit. 100% will be paid on the 3rd year of the policy.
Not all burial insurance companies offer this type of death benefit, but some do.
Guaranteed issue policy has a two-year waiting period. If you pass away during the two-year waiting period, your beneficiary will receive the refund of all premiums paid, plus 10% interest.
If you have emphysema and you use oxygen, this is the type of policy you will qualify for.
Guaranteed issue is very simple and straightforward. There is no medical exam or health questionnaire to answer. Your approval is guaranteed if you qualify on the age requirement.
Basically, the company will ask your name, beneficiary, and payment information. That’s the whole application.
There are two drawbacks to this type of policy. First, there is a mandatory two-year waiting period. Second, the premiums are higher compared with burial insurance policy with underwriting. So you need to pay more and wait two years before your policy will payout.
SHOULD YOU WAIT BEFORE BUYING BURIAL INSURANCE WITH EMPHYSEMA?
If you can qualify for level death benefit with immediate coverage, buy it now!
Unfortunately, many people with respiratory issues like emphysema consider purchasing burial insurance but decided to wait. There is no cure for emphysema, and it progressively gets worse with time, the condition will only be managed, but it will not improve.
The more symptoms you exhibit, the more treatment you need which will knock you out of immediate coverage.
The great thing is you can still qualify for burial insurance. We will guide you on your application process.
You don’t want a decline on your record if you can avoid it the first time. Some companies do not accept anyone who was previously declined in the last 12 months; we will help you avoid this at all cost.
If your emphysema is severe and you need oxygen, guaranteed issue life insurance is your only option for coverage. The life expectancy of emphysema patient is not long. That is why it’s so important to act now and start working on the waiting period.
GETTING AFFORDABLE BURIAL INSURANCE RATES WITH EMPHYSEMA
As an emphysema patient, you should quit smoking, if you chew tobacco you’re going to face much higher insurance rates. You need to stop tobacco use if you want to get affordable insurance protection.
Aside from stopping smoking or chewing tobacco, the best way to save money on insurance is to let us compare insurance companies for you. Some companies will flag on your emphysema diagnosis, while others will give you reasonable rates. We will find you the one that offers the lowest rates.
There are more than 800 life insurance companies on the market that you can choose from. Some of them will look at your emphysema diagnosis favorably than other companies are going to be.
We have worked extensively with emphysema clients, and we know the ones that give the best rates.
FINDING AFFORDABLE BURIAL INSURANCE WITH EMPHYSEMA
To find the best burial insurance with emphysema you need to talk with an independent life insurance agency like Funeral Funds that have the necessary connections with the right insurance companies.
Our agents are extensively trained in the underwriting criteria and requirements for burial insurance coverage with emphysema.
Funeral Funds has access to many life insurance companies and can compare insurance policies, benefits, and premium. We will shop your application to different emphysema friendly life insurance companies to ensure that you get the best policy tailored to your individual needs.
By working with an agency that specialized in emphysema insurance, you will increase your chances of finding the most affordable coverage. Fill out the instant quote form on this page to get quotes from different insurance companies, or call us at (888)862-9456 to discuss your options.
HOW CAN FUNERAL FUNDS HELP YOU?
Trying to find a policy with a stroke needn’t be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history with a stroke, let us help you; we will work with you side by side to find a plan that fits your needs.
We will work with you every step of the way to find the plan that fits your financial requirements and budget. You need not waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.
We will shop your case to different insurance carriers and get you the best price.
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 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 funeral or burial insurance with a stroke 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.