Burial Insurance with High Cholesterol

Woman Thinking About Burial Insurance with High Cholesterol

Getting burial insurance with high cholesterol is as easy as ABC. High cholesterol will not prevent you from qualifying for an affordable burial insurance policy.

More than 102 million Americans have unhealthy cholesterol levels. This makes high cholesterol a very common condition for people looking for burial life insurance with high cholesterol.

The great news is most burial insurance companies don’t even care if you have this condition. You will easily qualify for the best plan with the best rate.

Almost all burial insurance companies will issue you a plan with first-day coverage. This means there will be no waiting period, and you will be able to qualify for the lowest premium.

FUNERAL FUNDSSTARTS WHEN?
Health or Medical Related Death1st Day Payout
Future Health Problems100% Covered
Accidental DeathIncluded FREE

This article will tell you how to qualify for burial insurance with high cholesterol. We will also give you actual pricing to provide you with a ballpark figure on how much you will pay for insurance coverage.

FOR EASIER NAVIGATION:

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.


WHAT IS MY BEST INSURANCE OPTION IF I HAVE HIGH CHOLESTEROL?

If you have a high cholesterol level, your best insurance option is a level benefit plan. Level benefit insurance comes with first-day coverage and no waiting period. You will also pay the lowest rate with this plan. 

LEVEL DEATH BENEFIT (First-day Coverage)

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.

COVERAGE AVAILABLERECOMMENDEDWILL YOU QUALIFY
1st Day Coverage
YesYes...do this one!
1-Year Waiting PeriodNoDon't do this!
2-Year Waiting PeriodNoDon't do this!

Here are the benefits of first-day coverage life insurance:

FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
Coverage Up To Age 121 Yes

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 (Two-year waiting period)

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.


WHAT TYPES OF INSURANCE POLICIES SHOULD I AVOID?

First-day coverage is the best burial insurance for people with high cholesterol. If your insurance agent tries to sell you a plan with a two-year waiting period, don’t accept it. 

Here are the types of life insurance policies you should avoid:

PLANS TO AVOIDWHY?
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 $30,000 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

IF I HAVE HIGH CHOLESTEROL, DO I NEED A MEDICAL EXAM TO QUALIFY FOR BURIAL INSURANCE?

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.

Here are the essential facts about no medical exam insurance:

FUNERAL FUNDS PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES

You don’t need to take a medical exam. You will only need to answer a simple health questionnaire to qualify for coverage. Companies that ask health questions offer first-day coverage.


HIGH CHOLESTEROL AND BURIAL INSURANCE

The insurance companies know that having a high cholesterol level can increase your chances of having a heart attack, heart disease or stroke.

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.


BURIAL INSURANCE UNDERWRITING IF YOU HAVE HIGH CHOLESTEROL

Burial insurance companies do not even ask about your high cholesterol in their application questionnaire.

Burial insurance with high cholesterol has relaxed underwriting. The insurance company will only look at your prescription history to determine your health condition.

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)

If you are taking any of these medications, don’t worry. Taking any of these medications will not affect your burial insurance eligibility with any life insurance companies. They will still qualify you for burial insurance with high cholesterol and give you first-day coverage.

Do you have other health problems aside from high cholesterol? Check this table to learn your eligibility.

MEDICAL CONDITIONS 
AFIB1st-day Coverage

CancerOver 2 years = First day coverage
Under 2 years = Hybrid coverage
Cholesterol1st-day Coverage
Congestive Heart FailureHybrid Coverage
COPDPossible 1st-day coverage if no oxygen or smoking
Dementia2-year wait only
Diabetes1st-day Coverage
Dialysis2-year wait only
Heart AttackOver 2 years = 1st-day coverage
Under 2 years - Hybrid coverage
Heart SurgeryOver 2 years = 1st-day coverage
Under 2 years - 2 year wait
High Blood Pressure1st-day Coverage
Hospice2-year wait
Liver DiseaseHybrid Coverage
Neuropathy1st-day Coverage
Nitroglycerin UseHybrid Coverage
Nursing home2-year wait only
StrokeOver 2 years = 1st day coverage
Under 2 years - Hybrid coverage
Terminal Illness2-year wait only
Oxygen UseHybrid coverage in no 24 hour oxygen use
Wheelchair UseHybrid Coverage


HOW MUCH INSURANCE DO I NEED IF I HAVE HIGH CHOLESTEROL?

Now that you know, you can easily qualify for high cholesterol burial insurance with first-day coverage. You might be asking yourself, “how much burial insurance do I need? 

The amount of burial insurance you need varies upon your personal need and financial circumstances. But it should primarily cover the cost of your end-of-life expenses.

Your funeral and burial costs are often the biggest expense you need to pay. Here’s the average cost of funeral and burial expenses from the National Funeral Directors Association.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL 
Non-declinable basic$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135

If you want to be buried when you left this world, you can use this table to estimate your burial cost. If you want to be cremated instead, use the table below to compute your cremation cost. 

AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295

Here are the steps to calculate your burial insurance needs:

1. Write your final wishes to get a better idea of how much your burial or cremation will cost. Do online research, ask your nearest funeral director to determine the burial, funeral, and cremation cost in your area. Compute the cost of your burial or cremation. 

2. Compute your other end-of-life expenses. Include your outstanding debts, medical bills, credit card bills, living expenses, legal costs, and other past due accounts on your computation.

3. Don’t forget to factor in the inflation in your computation. The average inflation rate is 2%, which means you lose 2% of your money’s worth due to inflation. The average funeral and burial costs are around $10,000. It is wise to get at least $15,000 to cover inflation. 

Computing your end-of-life expenses, other final expenses, and inflation will help you calculate how much burial insurance coverage you should buy. 


HOW SHOULD I PAY MY PREMIUMS?

There are different ways to pay your premiums.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended

Among these methods, savings or checking account is the best. 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 will not worry about your policy lapsing due to non-payment.

You can also choose your mode of payment.

PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies

Most of the people we helped find paying monthly the best because it is easier on the budget. You also have an option of scheduling your monthly payment the same day you receive your social security or retirement benefits.


HIGH CHOLESTEROL AND BURIAL INSURANCE RIDERS

You have the option to add a policy rider to your basic policy. Insurance riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your specific needs. Some riders can be added to your policy without additional cost. However, some riders come with some extra cost. Don’t worry; riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


BENEFITS OF BURIAL INSURANCE

  1. Easy to qualify. No medical exam needed, you are only required to answer a few health questions.
  2. 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.
  3. Fixed death benefit. Your beneficiaries are guaranteed to receive your exact death benefit because it will never decrease.
  4. Tax-free. Your death benefit will be directly paid to your beneficiary tax-free.
  5. Not cancelable. Your insurance policy can never be canceled by the life insurance company as long as you keep paying the premiums on time.


HOW TO GET THE BEST BURIAL INSURANCE RATES FOR HIGH CHOLESTEROL

The best time to buy burial insurance with the lowest rate is when you are healthier and younger. Getting healthier is not possible 99% of the time, especially when you have a pre-existing medical condition. Getting younger is impossible because we get older each year. Now is the time you can be younger and healthier.

If you think you need to lose weight first to get the best rate, you’re wrong. Many people decide to lose weight, and up until now, they haven’t lost weight, and still, they don’t have life insurance. Get life insurance now because you can qualify for coverage even if you are overweight. We will help you.

Do you want to quit smoking before getting burial insurance? Think again. Every life insurance company has a 12-month lookback period on smoking. You cannot get the best rate unless you have quit smoking for a year. Get insured now and get back to us when you finally quit smoking for a year, and we will help you get lower rates.

GETTING THE BEST RATE 
YoungerLess Expensive
OlderMore Expensive
Healthier Less Expensive
Television AdsMore Expensive
Junk MailMore Expensive
No Health QuestionsMore Expensive
Funeral FundsLess Expensive

So, when is the best time to get burial insurance with high cholesterol?

Today is the best time to get burial insurance with high cholesterol. Each year you procrastinate, you will pay more premium. Get insured today because life is uncertain, and we don’t know what will happen tomorrow.

One last and important tip, shop with an independent insurance agency like Funeral Funds. We work with many top-rated life insurance companies in the market today. We can help you find the best life insurance company that gives the best rate.


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.

Funeral Insurance, Final Expense Insurance, Burial Insurance with High Cholesterol Infographic

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