The great news that if you have high cholesterol most burial insurance carriers don’t even care about this condition and are accepting of your medical condition….but read on for more information.
More than 102 million Americans have unhealthy cholesterol levels. This makes this a very common condition for people looking for burial life insurance.
In this article, we will discuss what options are open for you if you have high cholesterol and how to get the best plan suited for your situation.
Just understand that if you have high cholesterol, it won’t even matter to the insurance companies. You will be able to qualify for the best plans. But read on to find out more important details.
FOR EASIER NAVIGATION:
- Can You Qualify For Life Insurance If You Have High Cholesterol Level?
- High Cholesterol And Burial Insurance
- Underwriting Burial Insurance
- Burial Insurance Options If You Have High Cholesterol
- Finding Affordable Burial Insurance
- How Can Funeral Funds Help Me?
CAN YOU QUALIFY FOR LIFE INSURANCE IF YOU HAVE HIGH CHOLESTEROL LEVEL?
YES, you can qualify for coverage…and with the best prices!
High cholesterol will not prevent you from qualifying for an affordable burial insurance policy.
Almost all burial insurance company will issue you a plan with immediate coverage. This means there will be no waiting period, and you will be able to qualify for their lowest premiums.
The insurance companies don’t even ask about high cholesterol in their health questions on your application. They don’t even care if you are taking medications to control this condition.
And you know what’s great? Burial insurance doesn’t even require you to take a medical exam.
You don’t need to submit urine and blood samples. You will only answer a few questions about your health. You can even choose a no-health questions policy if you prefer.
The best way to find the best burial insurance with high cholesterol is to work with an independent burial insurance agency like Funeral Funds that have access to many A-rated insurance companies. We will compare different companies to find the best policy that fits your needs and budget.
HIGH CHOLESTEROL AND BURIAL INSURANCE
For burial insurance companies, however, your high cholesterol level won’t affect your premiums or insurability at all. You will still be eligible for level death benefit even if you have high cholesterol levels.
Premiums differ from life insurance providers, so it is essential to let us help you research and compare prices.
If you have high cholesterol and looking to buy burial insurance we have all the companies that will approve you with first-day coverage at an affordable premium.
UNDERWRITING BURIAL INSURANCE
Burial insurance companies do not even ask about your high cholesterol in their application questionnaire.
Prescription Medication Check
Medications are essential to control the high cholesterol level and to prevent any damage to other internal organs. These medications can be used alone, but most people suffering from high cholesterol are on at least two different high cholesterol medications.
Some common medications prescribed for cholesterol control are:
- Atorvastatin (Lipitor)
- Fluvastatin (Lescol)
- Pitavastatin (Livalo)
- Pravastatin (Pravachol)
- Rosuvastatin calcium (Crestor)
- Simvastatin (Zocor)
You can be taking any of these drugs, but it will not affect your life insurance eligibility with any of the burial insurance companies.
BURIAL INSURANCE OPTIONS IF YOU HAVE HIGH CHOLESTEROL
Burial insurance policies are whole life insurance policies meant to funeral expenses and other final expenses that you may leave behind when you pass away.
LEVEL DEATH BENEFIT
If you have a high cholesterol level, we have companies that will accept you with a level death benefit (first-day coverage).
The life insurance benefit amount will be the same through the whole life of the policy and your beneficiaries will receive the full amount when you pass away. Level coverage has first-day coverage without a waiting period, and at the lowest rates.
High cholesterol or high cholesterol ratio on its own will not create an issue unless you have other significant health conditions that may prevent you from qualifying for a level death benefit.
The most important thing is for you to be totally honest about any other health conditions you have when applying for burial insurance.
GUARANTEED ISSUE BURIAL INSURANCE
If you have serious cardiovascular issues, or severe health conditions aside from your high cholesterol, you will only qualify for guaranteed issue burial insurance. This plan is your best option if you cannot be eligible for a level death benefit.
Applying for guaranteed issue life insurance is easier because it does not require a medical exam and it does not ask any questions about your health. You will qualify regardless of any serious medical conditions you have at this time.
This means that even if you have a terminal illness like cancer, you can still be eligible for coverage. You will qualify for guaranteed issue burial insurance if you meet the age requirements and the policy is available in your state.
Benefits of burial insurance:
- Easy to qualify. No medical exam needed, you are only required to answer a few health questions.
- Level premium. Your monthly insurance bill will never increase. You lock in the rate at your current age, and the premium will never go up regardless of your advancing age or worsening medical condition.
- Fixed death benefit. Your beneficiaries are guaranteed to receive your exact death benefit because it will never decrease.
- Tax-free. Your death benefit will be directly paid to your beneficiary tax-free.
- Not cancelable. Your insurance policy can never be canceled by the life insurance company as long as you keep paying the premiums on time.
FINDING AFFORDABLE BURIAL INSURANCE
People with high cholesterol will qualify for level death benefit coverage.
High cholesterol as a standalone condition will not prevent you from getting the best burial insurance rates. The only time high cholesterol will be an issue is if it is paired with other serious health conditions.
You will still be eligible for level death benefit even if you have high cholesterol levels.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with high cholesterol 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 high cholesterol, 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 don’t have to 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 life 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 high cholesterol funeral insurance, or high cholesterol burial insurance, or high cholesterol 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.