If you have been diagnosed with Hodgkin’s disease and have been told you cannot qualify for life insurance, we can tell you that you have been misled.
It is possible to find burial insurance approval if you have been diagnosed with either Hodgkin’s Lymphoma or Non-Hodgkin’s Lymphoma. Almost everyone can qualify for a burial insurance policy!
In this article, we will provide you with the information you need to understand how insurance companies view Hodgkin’s and Non-Hodgkin’s lymphoma, how they underwrite this condition and how to find the best burial insurance if you have Hodgkin’s Disease.
We have helped many lymphoma clients secure an affordable burial insurance policy, so they can have the peace of mind they need. We can help you to get approved for burial insurance with Hodgkin’s disease.
If you have recently had Hodgkin’s or Non-Hodgkin’s lymphoma or have other major health issues like heart attack, it’s best to call us at (888) 862-9456 for accurate quotes.
WHY ARE THE INSURANCE COMPANIES CONCERNED ABOUT HODGKIN’S DISEASE?
Hodgkin’s disease is a type of lymphoma and is a cancer of the lymphatic system, which is part of the immune system.
There are two common types of cancers of the lymphatic system: Hodgkin’s lymphoma and non-Hodgkin’s lymphoma. The first sign of Hodgkin disease is the abnormal growth of the lymph node which may spread to nearby lymph nodes. Later it may spread to other organs such as the lungs, liver, or even bone marrow.
Hodgkin’s disease may affect people of any age, but it is more common in people between the age of 20 and 40 and those over 55.
Doctors use physical exams, health history, and blood tests to diagnose Hodgkin disease. These medical tests and medical treatments are part of your medical records. The insurance companies will review this information when deciding whether to approve you for burial insurance coverage.
Treatment depends on how advanced your disease has spread. It often includes radiation therapy or chemotherapy.
The earlier the lymphoma is diagnosed, the more effective the treatment.
CAN YOU QUALIFY FOR BURIAL INSURANCE WITH HODGKIN’S DISEASE?
YES, you can qualify for burial insurance if you were diagnosed with either Hodgkin’s Lymphoma or Non-Hodgkin’s Lymphoma!
Depending on when you have it, your cancer will have no adverse effect on getting a burial insurance plan.
As a matter of fact, if you have recently been diagnosed with Hodgkin’s disease, you can still qualify for a burial insurance policy. One thing you need to understand is that the waiting period is unavoidable with every insurance company if your diagnosis is just recent.
Whatever your type of cancer, we will be able to find you an affordable burial insurance policy.
The good news is burial insurance does not require medical exams! All you have to be doing is to answer some questions about your health.
It is entirely possible to qualify for burial insurance and have the peace of mind even after cancer. You will be surprised at how affordable your coverage will be and how much burial insurance you can qualify for.
You just need the help of an independent life insurance agency like Funeral Funds to help you evaluate all your options and get you the best pricing.
BURIAL INSURANCE WITH HODGKIN’S DISEASE UNDERWRITING
Every single burial insurance company will ask about cancer in some way.
Every company has a unique underwriting guideline. It is essential to know what they will look for when they are offering coverage.
Here are the main things burial insurance companies will take into account in regards to Hodgkin’s disease:
- What type of cancer were you diagnosed with?
- What stage of cancer do you have?
- What type of treatment are you receiving?
- Are you finished with the treatments?
- When was the last date of treatment?
- How many times have you had cancer?
- Are you cancer-free now? How long have you been cancer-free?
These are the questions your agent will ask you to determine what choices you will have with each company.
It is essential to be completely honest in answering these questions. We are here to help you and the more information you can provide, the better your chances of finding and getting you approved for affordable coverage.
Once we get your answers, we will be able to help you find the companies that fit your requirements, allowing you to compare premium prices easily.
You must apply for a burial insurance plan that has underwriting if you want to qualify for immediate coverage and access the lowest rates. It doesn’t necessarily mean that you have to undergo a medical exam, you just need to answer some health questions.
Each burial insurance company will have its own set of health questionnaire. You will typically see “cancer” appear in knockout section and modified or graded sections regardless of what insurance company you are applying for (but only if it has occurred in the last 2-3 years).
KNOCKOUT SECTION HEALTH INTERVIEW QUESTIONS:
If you answer “yes” to the cancer question in this section of the health questionnaire, insurance companies will flat out decline you. They will not offer you any coverage.
Here are the most common ways Hodgkin’s disease or cancer will be asked in the knockout sections:
- Do you currently have cancer?
- Do you have a diagnosis of severe illness like cancer?
- Have you more than one occurrence of same cancer?
- Have you been diagnosed as having or advised by a physician to have treatment for Cancer?
MODIFIED OR GRADED SECTION
Modified or burial insurance are terms used by burial insurance companies to label higher-risk clients. These plans cost more and come with a waiting period.
Here are the most common ways cancer is asked in the graded or modified sections:
- In the last two years, have you been treated for any internal cancer?
- In the last two years, have you been diagnosed with cancer or received chemotherapy or radiation for cancer?
- In the last three years, have you been treated for any internal cancer?
- In the last three years, have you been diagnosed with cancer, or receive chemotherapy or radiation for cancer?
HODGKIN’S DISEASE TREATMENTS THAT CONCERN INSURANCE COMPANIES
In the case of Hodgkin’s disease, burial insurance companies look at your treatment in the same category as having cancer. In simple words, having cancer treatment means you have it.
If you’re taking any of these, it will qualify as a treatment for cancer.
- Radiation therapy
- Bone marrow transplant
- Other drug therapy
The insurance companies will review or ask questions about these treatments on most insurance applications (except guaranteed issue life insurance).
PRESCRIPTION MEDICATIONS FOR HODGKIN’S DISEASE
Different prescription drugs are used to treat Hodgkin’s disease. If you have filled any of these prescription medications within the last two years, burial insurance companies will consider you as having treatment for cancer.
Drugs Approved for Hodgkin Lymphoma:
- Brentuximab Vedotin
- Brentuximab Vedotin
- Doxorubicin Hydrochloride
- Procarbazine Hydrochloride
- Mechlorethamine Hydrochloride
- Procarbazine Hydrochloride
- Vinblastine Sulfate
- Vincristine Sulfate
If you honestly answer no to the health questions about cancer and you have been taking any of these meds for a time that is greater than they ask about cancer (more than two years) you can easily qualify for a level death benefit if you have no other significant health challenges.
You can get first-day coverage and the lowest possible rates if you have had Hodgkin’s lymphoma or non-Hodgkin’s lymphoma in the past.
WHAT IF YOU HAVE HODGKIN’S DISEASE RIGHT NOW?
If you are currently diagnosed with either Hodgkin’s lymphoma or non-Hodgkin’s lymphoma most life insurance carriers will flat out decline your application.
However, there are some carriers that will accept you! Those that will accept you will impose a waiting period because of your recent cancer diagnosis.
Currently having Hodgkin’s disease means you will have a two-year waiting period on your burial policy; it is completely unavoidable.
There are no life insurance carriers that will offer you immediate coverage because you are currently a cancer patient.
If you currently have Hodgkin’s disease, your best and lowest cost option is to take out a guaranteed issue life insurance policy. Many carriers offer a guaranteed issue policy. The only difference is the amount they charge.
This kind of policy has no medical exam and no health question. You will qualify regardless of your health condition. You will only have to pay around 15-30% more compared to a plan that has health questions. Even if you have any type of cancer like a brain tumor, leukemia, Myelodysplastic Syndrome or melanoma, you will qualify for coverage.
A guaranteed issue policy has graded death benefit. You will have to wait two years before the policy will pay out any death benefit to your beneficiary. If you die from natural causes within the two-year waiting period, the company will refund all the premiums you paid plus 10% interest.
After the two-year waiting period has passed, you are fully protected for life. But if you die from accidental death during the waiting period, the insurer will pay out the full death benefit.
HODGKIN’S DISEASE BURIAL INSURANCE HAS A 1 YEAR MINIMUM LOOK BACK PERIOD
For those with Hodgkin’s Lymphoma, many insurance carriers will require you to be in complete remission for at least one year, if your diagnosis was Stage 1, 2, or 3 before qualifying for coverage.
Those people who have been diagnosed with Stage 4 lymphoma may need to be in remission for at least three years before they will consider an application.
Burial insurance companies will want to know about any lymphoma in the last 12 months. It means that if you have lymphoma within the last year, your insurability will depend on the underwriting criteria from each insurance company; we can help you understand your options.
Recurrences of the disease will also affect your approval (which is why it is smart to get your burial insurance policy today).
Other factors that might impact approval may be dependent on whether you have received a bone marrow transplant or stem cell treatment. The key to approval for burial insurance with Hodgkin’s lymphoma is whether you are still currently being treated, or whether you are already in remission.
For Hodgkin’s disease, it is possible to apply and receive coverage in as little as one year from when you have successful treatment. The longer you have in remission for cancer the more positive life insurance carriers will consider your application.
Many burial insurance companies will require you to be in remission for 2-3 years before they will grant you a policy.
WHAT TO EXPECT IF YOU HAVE HODGKIN’S DISEASE
You had been in remission in less than one year
Unfortunately, no burial insurance company will ask about Hodgkin’s disease within a period shorter than one year.
Due to this, you will fall into the highest risk category with every insurance company. If you are approved for coverage, it will be a modified plan or a guaranteed issue policy.
A modified plan means you will have a full two-year waiting period, and you will pay anywhere from 40-100% more in premiums.
During the waiting period, the insurance carrier will not pay the full death benefit if you die of natural or disease-related reasons. They will only pay the refund of all the premiums you paid plus interest which is typically 10% if you are in this situation.
Your best option is to purchase a guaranteed issue burial insurance as it has no health questions or medical exam. A guaranteed issue policy company will accept your application regardless of your medical condition.
You had been in remission for more than a year
If your Hodgkin’s disease has been in remission for over one year, you have better options.
There are life insurance companies that only ask about Hodgkin’s disease within the last year. Because it has been longer than one year for you, you can honestly answer “no” to the cancer question. This means that you can qualify for an immediate benefit and you can access their lowest rate possible.
You had been in remission for more than two years
If your Hodgkin’s disease was over two years ago, your options are even better.
It’s pretty much unheard of for burial insurance companies to ask about Hodgkin’s disease beyond the two-year mark. You will qualify for a level death benefit and lowest rates with many burial insurance companies.
Approvals also depend on your age and the state of your overall health.
BURIAL INSURANCE WITH HODGKIN’S DISEASE
There are two types of burial insurance for people with Hodgkin’s disease:
This is a simplified issue burial insurance with health questions and no medical exam.
You will be offered level coverage is your cancer had been in remission for more than one year for Hodgkin lymphoma and more than two years for non-Hodgkin lymphoma.
Common questions asked when applying for simplified issue burial insurance:
- Do you smoke?
- Are you currently staying in a hospital or nursing home?
- Do you have a terminal illness?
- Do you have HIV or AIDS?
- Have you received radiation therapy or chemotherapy for cancer in the past 12 months?
- Have you in the past 24 months used narcotics, amphetamines or any controlled substance?
- Have you been disabled or receiving disability benefits for more than one month in the last 12 months?
Guaranteed issue burial insurance
This is your only option if you currently have Hodgkin’s disease (or you have had it in the last 12 months).
There is no medical exam and no health questions to answer with guaranteed issue policy. Your approval is guaranteed regardless of your current medical condition.
The main drawback to guaranteed issue policy is the price and the waiting period. The full death benefit is not available to your beneficiary until after the two-year waiting period.
If you die from natural causes during the waiting period, your beneficiary will only receive the premiums you paid on your policy plus 10% interest.
HOW TO FIND THE BEST BURIAL INSURANCE WITH HODGKIN’S DISEASE
You can find affordable burial insurance with Hodgkin’s lymphoma and non-Hodgkin’s lymphoma by working with an independent insurance agency like Funeral Funds.
We have access to more than 40 insurance companies and we know which life insurance companies are more liberal when it comes to issuing a burial policy for someone with Hodgkin’s disease and other health-related condition.
We have agents who are familiar with how each life insurance treats people with cancer. By shopping your case, we will be able to find the best insurance company that will give you the lowest premiums for either Hodgkin’s lymphoma or non-Hodgkin’s lymphoma.
HOW CAN FUNERAL FUNDS HELP YOU?
Trying to find a policy with Hodgkin’s lymphoma or non-Hodgkin’s lymphoma 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 history of Hodgkin’s lymphoma or non-Hodgkin’s lymphoma, let us help you; we will work with you side by side to find a plan that fits your needs.
You don’t need to waste your precious time searching for different insurance companies; we will do the work for you. We can shop your case to different companies to get your application approved.
Here at Funeral Funds, we specialize in obtaining life insurance coverage for people with a history of Hodgkin’s lymphoma or non-Hodgkin’s lymphoma.
We work with many A-rated insurance companies that specialize in high-risk clients. We will search those companies to give you the best rate ever. We’ll match you up with your best funeral and burial insurance option.
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 Hodgkin’s lymphoma or non-Hodgkin’s lymphoma 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.