Finding affordable burial insurance with Fibromyalgia is not as painful as it may seem. This article will help you get a better understanding of how you will be able to find the best policy regardless of your fibromyalgia diagnosis.
Fibromyalgia can cause widespread pain to the whole body. It is not an easy condition to have because chronic pain is often accompanied by fatigue, sleep, mood and memory issues. The cause of fibromyalgia is unknown, and that’s why some life insurance carriers will put you in the high-risk category.
Some people have been turned away from obtaining burial insurance due to their fibromyalgia diagnosis. Even if you have been previously declined life insurance coverage because of fibromyalgia, do not give up. Not all life insurance companies look at fibromyalgia the same way.
Whether your fibromyalgia is mild or severe, there are affordable options for you. Working with us will get you a low rate and immediate coverage with multiple companies. We have helped many people with fibromyalgia get life insurance coverage. We will help you too, and you can get the kind of coverage you need at the price you can afford.
FOR EASIER NAVIGATION:
WHY DO INSURANCE COMPANIES CARE ABOUT FIBROMYALGIA?
Fibromyalgia also called fibromyalgia syndrome (FMS) is a disorder characterized by pervasive musculoskeletal pain with fatigue, sleep problems, memory and mood issues.
This condition typically develops between the ages of 30 and 50 but can occur in children and the elderly. Anyone can develop fibromyalgia, although it affects women seven times more than men.
Fibromyalgia can be extremely painful.
Sufferers will experience aches and pains throughout the entire body. Even a physical touch will produce a greater level of pain. The most painful spots are the joints in the neck, shoulder, back, and hips. Because of the pain fibromyalgia, sufferers have difficulty getting a restful night of sleep.
It is not clear how many people are affected by fibromyalgia, but some estimates suggest that it can affect nearly 1 in 20 people with this condition to some degree.
People who suffer from Fibromyalgia often take many medications for pain and symptom relief. The insurance companies will want to know what medications you are taking before offering you a burial policy.
Medication treatments for Fibromyalgia & Life Insurance
There are a number of prescribed medications to treat fibromyalgia. Painkillers such as acetaminophen and other similar over-the-counter remedies are often recommended as well as non-steroidal anti-inflammatory drugs.
Drugs that change the levels of serotonin and norepinephrine in the brain to control pain levels like Elavil and Flexeril are also prescribed. Antidepressant drugs and anti-seizure medications can often help alleviate the symptoms of fibromyalgia.
Most medicines for Fibromyalgia don’t affect your eligibility for burial insurance. We will want you to tell us what medications you are on just in case there is a problem with one of them. If this is the case, we will go with another insurance company that doesn’t care about that medication…it’s that easy!
THE LOWDOWN ABOUT BURIAL INSURANCE WITH FIBROMYALGIA
Fibromyalgia is a musculoskeletal disorder, and the cause is not much known. It is generally not progressive, and it does not affect life expectancy.
That is why few burial insurance companies ask about it in their health questionnaire, and when they don’t ask about it, it means they don’t care about your health condition.
As long as you have no other serious health issues, they will offer you immediate coverage at the lowest possible rate. And here’s the other thing, you don’t need to undergo a medical exam to qualify. You only need to answer some questions about your health.
Burial insurance plans are simplified issue policies and the application is very straightforward. No medical exam, no urine or blood samples are required. In most cases, you will know if you’ve been approved after 15 minutes.
If you’re looking for burial insurance contact us immediately. We will shop your case with numerous carriers to get the best rate.
BURIAL INSURANCE UNDERWRITING
Burial insurance companies will evaluate your level of risk in two ways. First, they will ask you questions about your overall health.
Second, they will conduct a prescription history check to validate your answer on the health questions.
Your answer to the health questions and your prescription history will help the insurance companies to determine your eligibility and the amount of premium they will charge.
Most burial insurance companies do not ask about fibromyalgia in their health questionnaire. This means you can easily qualify for the best plans and rates.
Prescription History Check
Burial insurance companies will always check your prescription history to identify what health issues you have based on the medications you are taking.
There are no specific medications for fibromyalgia. The drug approved to treat fibromyalgia such as Pregabalin (Lyrica) is also used to treat other medical conditions like neuropathy and epilepsy.
Drugs used to treat fibromyalgia include painkillers, anti-seizure, and antidepressants. Some burial insurance companies have issues with depression and seizure medications. They will be able to see a red flag prescription and will use it to identify any other serious health issues you have.
Some prescription medication for fibromyalgia is also flagged for diabetic neuropathy including Gabapentin, Lyrica and Neurotin. The presence of these drugs may cause issues because neuropathy is a severe complication of diabetes that causes nerve damage.
Most burial insurance companies will charge you more in premium and impose a waiting period if you have neuropathy related to diabetes.
We work with burial insurance companies that look at neuropathy and epilepsy favorably. They will not charge you with an increased premium or make you endure the waiting period.
We will assess your health condition to determine which burial insurance companies will accept your prescription medications and health issues. We will then make a recommendation for the best company suited to your needs.
FIBROMYALGIA BURIAL INSURANCE OPTIONS
Your condition is under control, and your pain is well managed. You follow the doctor’s orders, and you don’t need much medication. You are working full-time, and you lead an active lifestyle.
If you fall into this category, then you can easily qualify for level death benefit with immediate coverage. You will be fully covered from the first day you purchased the policy, and you don’t have to endure a two-year waiting period.
You will also eligible for the lowest rate possible with mild fibromyalgia.
Your fibromyalgia is on a moderate level if you work with your doctor on a regular basis. You may have been prescribed a low dose of Cymbalta. You have difficulty with your chronic pain, and it impacts your work and lifestyle occasionally.
It is rare for burial insurance companies to decline someone in this category. People with moderate fibromyalgia can still qualify for immediate coverage.
If all you deal is fibromyalgia without any other health condition, we can quickly get you qualified for a level death benefit. Your coverage will be effective from day one, and you will pay the lowest price offered by the burial insurance company.
If you have other health issues, inform us right away so that we can find you an insurer that will look at your condition favorably. The best thing to do is call us at (888) 862-9456. We will evaluate your health history, and we will let you know what options are open for you.
You have severe fibromyalgia if your chronic pain is not well controlled. Your condition doesn’t allow you to work and perform activities of daily living such as bathing, dressing, eating, transferring, toileting, and continence.
If you have depressive episodes, your fibromyalgia is considered severe. You may also be prescribed Lyrica, Savella, or Ultram by your doctor.
Every burial insurance company asks if you have issues with activities of daily living. If your fibromyalgia is preventing you from performing these activities, then you will be declined for traditional life insurance policies.
The only option available for you to get coverage is to purchase a guaranteed issue life insurance with no medical exam.
Burial Insurance with Severe Fibromyalgia
If your fibromyalgia makes you skip work or struggle with activities of daily living, then you have to pursue guaranteed issue life insurance. Even if you’ve been declined for coverage in the past, this will work for you.
Your approval is guaranteed with guaranteed issue life insurance because it does not turn people down due to their health conditions. Even if you have any musculoskeletal or neurological disorder like Alzheimer’s disease, Parkinson’s disease, ALS, Huntington disease or Down syndrome, you will still be approved for coverage.
However, there are a couple of drawbacks to this type of policy. Guaranteed issue policies come with graded dead benefits. There is a two year waiting period.
If you pass away during the waiting period, your beneficiary will not receive the full death benefit. Instead, they will get the refund of all premiums paid plus 10% interest.
Guaranteed issue life insurance has a lower benefit amount than traditional life insurance policies. The death benefit is minimal, and you can get as low as $2,000 up to a maximum of $25,000. It is a little hard to find anything higher than $25,000.
FINDING AFFORDABLE BURIAL INSURANCE
To find the most affordable burial insurance with fibromyalgia, the best thing you can do is consult with an independent burial insurance agency like Funeral Funds that works with lots of burial insurance companies. We will assess your health to determine which companies will view your health condition favorably. Then we will look into the quotes to see which carrier offer the cheapest.
Since we can find rates from lots of burial insurance companies, we can save you both time and money. Let us do the dirty work for you, and we will find you the burial insurance policy that cost the least and protects you immediately.
HOW CAN FUNERAL FUNDS HELP YOU?
Trying to find a policy with fibromyalgia 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 fibromyalgia, 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 fibromyalgia 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.