Are you looking for information about burial insurance with Hepatitis B, you’ve come to the right place.
If you suffer from Hepatitis B, there are three critical questions you need to ask if you are applying for burial insurance.
- Can I get burial insurance with Hepatitis B?
- What will the insurance companies ask me about my Hepatitis B?
- How can I get the best burial insurance rates with Hepatitis B?
In this article we are going to answer these questions and learn more about funeral and final expense life insurance when you have Hepatitis B, and what your options are. Read on, and learn how you can find the best policy with the best rates.
FOR EASIER NAVIGATION:
CAN I GET BURIAL INSURANCE WITH HEPATITIS B?
If you suffer from Hepatitis B or still infected and currently undergoing treatment, the good news is most people will qualify for immediate coverage burial insurance with Hepatitis B!
You can get approved for burial insurance if you have Hepatitis A, Hepatitis B or other liver diseases like cirrhosis or fatty liver. There are companies that will offer you a plan with immediate coverage without charging you extra money!
Qualifying for burial insurance with Hepatitis B is easy, especially if you work with an independent agency like Funeral Funds who knows the steps to take. We will help you choose the best burial life insurance company, and help you prepare for your application.
We understand it can be difficult to talk about your health on a funeral insurance application. Funeral Funds will assist you with the details and let you know what to expect with hepatitis B life insurance before you apply.
TWO TYPES OF BURIAL INSURANCE WITH HEPATITIS B YOU CAN CHOOSE TO APPLY WITH
LEVEL COVERAGE (Simplified Issue) offers immediate coverage from day one. It is the more preferred type of burial insurance since you only have to answer a few health questions regarding your medical history without undergoing a medical exam.
It is typical to be asked four or more medical related questions to get an appropriate simplified issue burial insurance quote. Your answers will determine your eligibility and your premium.
These are the example questions you will be asked:
- Do you smoke?
- Are you currently in a nursing home facility?
- Have you been diagnosed with a terminal illness?
- Have you been diagnosed with HIV or AIDS?
If you answer “no” to the health questions, you will be eligible. If you answered “yes” that you smoke, you will still be eligible for a simplified issue burial insurance policy, you just won’t get the non-smoker discount.
If you answer “yes” to health questions 2-4, you will not be eligible for simplified Issue burial insurance policy, and you may need to consider a Guaranteed Issue burial insurance policy.
Simplified issue coverage is ideal for those who are want to get fast coverage without the hassle of a medical exam.
GRADED COVERAGE (Guaranteed Issue) – this policy does not require a medical examination. Furthermore, there are NO HEALTH QUESTIONS to answer. If you pay a premium, the insurance company will issue you a policy.
Sounds easy right?
It is easy to get guaranteed issue burial insurance, but the downside is you have a two-year waiting period before your beneficiary can get the full death benefit with this type of policy.
In some instances, your beneficiary will only receive the amount of premium paid until death if you die within two years of purchasing the policy. If you die after the two-year waiting period, your beneficiary will receive the full death benefit.
You will always qualify for guaranteed issue policy, but why would you choose this policy when you may be eligible for first-day level benefit coverage?
A guaranteed issue policy should always be your last resort.
NEVER purchase a policy from a TV commercial or the mail if you have Hepatitis B. These policies are always guaranteed issue plans. You’ll pay too much, and you will have to wait two years for your insurance coverage to start.
With our help, you can qualify for 1st-day coverage…even with Hepatitis B.
WHAT WILL THE INSURANCE COMPANIES ASK ME ABOUT MY HEPATITIS B?
If you choose to go with a simplified issue policy and you have Hepatitis B, you can expect the burial insurance company to ask the following questions:
- When were you diagnosed with Hepatitis B?
- What treatment do you underwent or currently undergoing?
- What are your average LFT readings?
- Do you have liver cirrhosis or fibrosis?
- What liver function tests did you have and what are the results of those test?
- What is the frequency of your testing?
- What is the frequency of your treatments?
- Do you visit your doctor regularly?
- What are your medications and dosages?
The insurance carrier is looking to see if you have your Hepatitis B under control and if you are living a healthy lifestyle.
DO THE INSURANCE COMPANIES CARE ABOUT MY HEPATITIS B MEDICATIONS?
Burial insurance companies have two ways of underwriting if you go with simplified issue policy.
FIRST – they ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – they will electronically review your prescription history. Your Hepatitis B medications will give them a clear picture of your current and past medical treatments.
These are the most common Hepatitis B medications that will confirm you are a Hepatitis B patient:
- Adefovir Dipivoxil
- Intron A
- Pegylated Interferon
- Tenofovir disoproxil
- Tenofovir Alafenamide
WILL THESE MEDICATIONS MAKE ME INELIGIBLE FOR BURIAL INSURANCE?
If you are taking Hepatitis B medications, you will still be eligible for great rates for Hepatitis B life insurance. Most individuals with Hepatitis B will be able to qualify for burial insurance without a medical exam.
However, you’ll need to apply with a life insurance company that takes higher health risk cases with lenient underwriting. Funeral Funds works with A-rated insurance companies that will qualify you with Hepatitis B life burial and funeral insurance.
WILL I BE REQUIRED TO TAKE A MEDICAL EXAM?
Burial insurance companies DO NOT require a medical exam even if you have Hepatitis B.
If you have severe liver damage, a no medical exam guaranteed issue policy may be your best option.
Our goal is always to find you the lowest priced policy with first-day coverage, and help you get the policy that is best for you and your budget.
WHAT OPTIONS WILL THE INSURANCE COMPANIES OFFER ME?
Some insurance companies will treat you like you don’t even have this medical condition.
Some burial insurance companies will only ask about Hepatitis C. This means, they don’t care if you have Hepatitis B!
You will be declined if you choose the wrong insurance company with more stringent underwriting.
CAN I GET FIRST DAY COVERAGE WITH HEPATITIS B?
We know of burial insurance companies that offer first-day coverage. We represent them, and we will help you get an affordable burial policy.
OTHER THINGS THE LIFE INSURANCE COMPANIES CONSIDER
Burial insurance companies will want to know your basic information, such as your:
- Smoking status
This information is going to play help determine your rates and eligibility for Hepatitis B funeral insurance.
BENEFITS OF BURIAL & FUNERAL INSURANCE
Here are some of the benefits of purchasing a burial or funeral policy:
- No medical exam required – you only need to answer a few health questions.
- Ease of issue – easy to qualify and get insurance coverage.
- Level premium – your premium will never increase. It is lock into a rate at your current age, and the price will never go up regardless of getting old or medical conditions.
- Fixed death benefit – your death benefit is fixed and guaranteed to never decrease for any reason.
- Not cancelable – your policy can never be canceled by the life insurance company as long as you pay the premiums on time.
- Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
- You can get a much smaller amount of coverage – burial insurance can range from $1,000 to $50,000.
- Cash value builds up – burial insurance is a whole life policy that builds cash value over time.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with a Hepatitis B needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of Hepatitis B, 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 Hepatitis B funeral insurance, or Hepatitis B burial insurance, or Hepatitis B life insurance, 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.