2023 Burial Insurance with Liver Disease
last updated on June 2, 2023Finding the most affordable burial insurance with liver disease is possible. Depending on your liver disease type, you can even qualify for first-day coverage and no waiting period.
There are many different types of liver disease, and we are experts in ensuring you get the best plan at the rate you can afford.
This article will show you how insurance carriers underwrite applicants with liver disease, what kind of policy options are available, and how to find affordable burial insurance.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Liver Disease?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Liver Disease, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Liver Disease
- How Much Insurance Do I Need If I Have Liver Disease?
- How Should I Pay My Premiums?
- Liver Disease and Burial Insurance Riders
- Finding Affordable Burial Insurance with Liver Disease
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Liver Disease
What Is My Best Insurance Option If I Have A History Of Liver Disease?
Liver disease is a general term that covers all illnesses that cause the liver to fail to perform its functions within the body. There are more than 100 different types of liver disease, all of which have significant health risks associated with them.
Here are the most common liver diseases and the best policy options you will qualify for:
FATTY LIVER
Fatty liver disease or hepatic steatosis means extra fat in your liver. It is typically caused by heavy alcohol drinking, but you can also get it even if you don’t drink alcohol too much.
You may qualify for the first-day benefits if you have simple fatty liver or non-alcoholic liver disease.
Best Option: First-day benefits
HEPATITIS A
Hepatitis A is a liver inflammation caused by the hepatitis A virus. It is usually a short-term infection that doesn’t become chronic. There is a vaccine that can prevent Hepatitis A.
If you have Hepatitis A, you can qualify for a level death benefit plan with first-day coverage.
Best Option: Level death benefit with first-day coverage
HEPATITIS B
Hepatitis B is caused by the Hepatitis B virus. This disease usually begins as a short-term acute infection, but in some cases, the virus remains in the body, causing chronic liver problems.
If you suffer from Hepatitis B, are still infected, or currently undergoing treatment, you can qualify for level death benefit with some companies.
Best Option: Level death benefit with first-day coverage
HEPATITIS C
Hepatitis C is a liver infection caused by the Hepatitis C virus. It is usually a short-term infection but may become chronic when the virus remains in the body.
If you’re undergoing treatment or cured of Hepatitis C, you will qualify for a level death benefit plan with no waiting period.
Best Option: Level death benefit with first-day coverage
LIVER CIRRHOSIS
Cirrhosis of the liver is a late stage of fibrosis or liver scarring caused by chronic alcoholism, hepatitis, cystic fibrosis, fat accumulation in the liver, destruction of the bile ducts, and medications.
Having liver cirrhosis will not disqualify you from buying final expense insurance.
Best Option: First-day benefits (Hybrid coverage)
LIVER CANCER
If you’re diagnosed with liver cancer and have been in remission for two years or longer, you may qualify for the best plan.
Best Option: Level death benefit with first-day coverage
If your cancer is cured and you are no longer under treatment, we can help you qualify for first-day benefits.
Best Option: First-day benefits (Hybrid coverage)
LIVER TRANSPLANT
Every life insurance company ask about liver transplant in the health questionnaire. If you have had a liver transplant in the past, you qualify for guaranteed issue life insurance with a 2-year waiting period.
Best Option: Guaranteed issue life insurance
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I Have Liver Disease, Do I Need A Medical Exam To Qualify For Burial Insurance?
No, you are not required to take a medical exam to qualify for burial insurance with liver disease.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple; you don’t need to provide medical records or blood and urine samples.
You’ll get the official approval from the insurance company often within minutes!
Burial Insurance Underwriting If You Have Liver Disease
Burial insurance companies will ask about liver disease in different ways.
They will often ask if you ever have a liver disease at any point in your life. They will also ask if you have or you’ve been treated for liver disease within a certain number of years.
Here are some examples of how burial companies ask about liver disease in their health questions:
- Have you ever had or been treated for any liver disease?
- Have you ever had or been treated for liver disease within the last 24 months?
Here are some of the illnesses insurance companies associate with liver disease:
- Alcohol-related liver disease
- Non-alcoholic fatty liver disease
- Hepatitis A, B, C
- Hemochromatosis
- Biliary atresia
- Cirrhosis
- Benign liver tumors
- Liver cancer
- Epstein Barr virus
If you have any form of liver disease, you need to answer “yes” to the liver disease question.
Insurance companies care most about liver diseases like hepatitis C, liver cirrhosis, and liver cancer. If you have any of these conditions, you will only qualify for guaranteed issuer life insurance.
Do you have other health problems aside from liver disease? Check this table to understand your eligibility.
| MEDICAL CONDITIONS | |
|---|---|
| AFIB | 1st-day Coverage |
| Cancer | Over 2 years = First day coverage Under 2 years = Hybrid coverage |
| Cholesterol | 1st-day Coverage |
| Congestive Heart Failure | Hybrid Coverage |
| COPD | Possible 1st-day coverage if no oxygen or smoking |
| Dementia | 2-year wait only |
| Diabetes | 1st-day Coverage |
| Dialysis | 2-year wait only |
| Heart Attack | Over 2 years = 1st-day coverage Under 2 years - Hybrid coverage |
| Heart Surgery | Over 2 years = 1st-day coverage Under 2 years - 2 year wait |
| High Blood Pressure | 1st-day Coverage |
| Hospice | 2-year wait |
| Liver Disease | Hybrid Coverage |
| Neuropathy | 1st-day Coverage |
| Nitroglycerin Use | Hybrid Coverage |
| Nursing home | 2-year wait only |
| Stroke | Over 2 years = 1st day coverage Under 2 years - Hybrid coverage |
| Terminal Illness | 2-year wait only |
| Oxygen Use | Hybrid coverage in no 24 hour oxygen use |
| Wheelchair Use | Hybrid Coverage |
How Much Insurance Do I Need If I Have Liver Disease?
The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.
The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.
Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.
| AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
|---|---|
| Non-declinable basic services | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| Non-declinable basic services fee | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Cremation fee (if firm uses a third-party crematory) | $368 |
| Cremation Casket | $1,310 |
| Urn | $295 |
| Median Cost of a Funeral with Viewing and Cremation | $6,970 |
| Rental Casket | $995 |
| Alternate Cremation Container | $150 |
How Should I Pay My Premiums?
The best way to pay your premium is through a savings or checking account. 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 don’t need to worry about your policy lapsing due to non-payment.
Liver Disease And Burial Insurance Riders
You may have the option to add a policy rider(s) to your basic policy. Insurance riders add benefits to your policy. Adding insurance riders can 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 costs. Don’t worry; riders are affordable and involve little to no underwriting.
| FUNERAL FUNDS ADD-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Finding Affordable Burial Insurance With Liver Disease
Thankfully, we know companies that offer amazing coverage at affordable prices. We can help you qualify with one of these companies.
If you have been diagnosed with liver disease and need burial insurance coverage, one of the most important steps you can take toward getting affordable coverage is to work with an independent life insurance agency like Funeral Funds, which specializes in coverage for high-risk clients.
We are experts in life insurance underwriting for liver disease. We will help you get the coverage you need at a rate within your budget.
How Can Funeral Funds Help Me?
Trying to find a policy with liver disease needn’t be a frustrating process. Working with an independent agency like Funeral Funds will always make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You need not waste your precious time searching for multiple insurance companies because we will do the dirty work for you.
We work with many A+ rated insurance carriers that specialize 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 liver disease 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.
Additional Questions & Answers On Burial Insurance With Liver Disease
Can you get life insurance with liver disease?
If you have liver disease, you may still be able to qualify for life insurance. The best way to find out if you can qualify for life insurance with liver disease is to speak with an independent life insurance agent.
Can I get life insurance with a fatty liver?
You may still be able to qualify for life insurance if you have a fatty liver. You may qualify for a first-day benefit plan if you have a fatty liver.
Is liver disease classed as a critical illness?
No, liver disease is not typically classified as a critical illness. However, some life insurance policies may have an exclusion for liver disease.
Is cirrhosis of the liver a critical illness?
Cirrhosis of the liver is a critical illness. If you have liver cirrhosis, you may qualify for a life insurance policy with a critical illness rider.
Is liver cirrhosis classed as a disability?
Cirrhosis of the liver is not typically classified as a disability. However, some life insurance policies may have an exclusion for cirrhosis of the liver.
Can you get first-day coverage insurance if you have liver disease?
If you have liver disease, you may still be able to qualify for life insurance with first-day coverage, depending on the severity of your liver disease.
Can I get burial insurance after liver disease?
Yes, you may be able to get burial insurance after liver disease. However, the best way to find out if you qualify for burial insurance with first-day coverage is to speak with an independent life insurance agent.
Is liver disease considered a pre-existing condition in insurance?
Yes, liver disease is considered a pre-existing condition in insurance.
Can you get life insurance if you have had liver cancer?
If you have had liver cancer, you may still be able to qualify for life insurance. However, the plan you will qualify for will depend on the time you have been cancer-free and your treatment.
Do I need to tell insurance about liver disease?
Yes, you will need to tell your insurance company about your liver disease because liver disease is considered as a pre-existing condition on life insurance.
What are the things that may affect my eligibility if I have liver disease?
The things that may affect your eligibility if you have liver disease are the severity of your liver disease and your treatment.
Do I need to take a medical exam if I have liver disease?
No, you will not need to take a medical exam if you have liver disease.
What are the rates for life insurance if I have liver disease?
The rates for life insurance if you have liver disease will depend on your age, gender, location, coverage amount, and health.
Can you be denied insurance for liver disease?
Yes, you can be denied life insurance for liver disease. You may be denied coverage if you have liver cancer and are still undergoing treatment. However, the best way to determine if you qualify for life insurance is to speak with an independent life insurance agent.
Is liver disease a disability?
No, liver disease is not typically classified as a disability.
What is the waiting period for life insurance with liver disease?
The waiting period for life insurance with liver disease will depend on your liver disease’s severity and treatment.
Is liver disease fatal in life insurance?
No, liver disease is not fatal in life insurance.
Can I get a policy if I have had a transplant for my liver?
Yes, you may be able to qualify for a life insurance policy if you have had a transplant for your liver. However, the only plan you will qualify for is a guaranteed issue life insurance.
Can liver disease patients get final expense insurance?
Yes, liver disease patients can get final expense insurance. However, the plan you will qualify for will depend on your severity and treatment.
Can I get life insurance with first-day coverage if I have liver disease?
If you have liver disease, you may still be able to qualify for life insurance with first-day coverage depending on the severity of your liver disease.
What is the average cost of life insurance for someone with liver disease?
The average cost of life insurance for someone with liver disease will depend on your age, gender, location, coverage amount, and health.
How long does it take to get life insurance with liver disease?
The process of getting life insurance with liver disease is the same as other medical conditions. You can be approved for life insurance after a few minutes over the phone.
Can liver disease affect life insurance?
Yes, liver disease can affect life insurance. Liver disease is a pre-existing condition that affects your eligibility and rates.
Can I get funeral insurance with liver disease?
Yes, you may be able to get funeral insurance for liver disease. However, the best way to find out if you qualify for funeral insurance is to speak with an independent funeral insurance agent.
Can you be rejected for life insurance because of liver disease?
Yes, you can be rejected for life insurance because of liver disease.
What are my options if I am denied life insurance because of liver disease?
If you are denied life insurance because of liver disease, your best option is to speak with an independent life insurance agent. They will be able to help you find a policy that fits your needs.
Can liver disease affect your life insurance rates?
Yes, liver disease can affect your life insurance rates. Liver disease is a pre-existing condition that affects your eligibility and rates.
What are the chances of me getting life insurance if I have liver disease?
The chances of you getting life insurance if you have liver disease will depend on the severity of your liver disease and your treatment. Speak with an independent life insurance agent to find out more.
Is there an age limit for burial insurance with liver disease?
If you are 18-85 years old, you can apply for burial insurance even if you have liver disease.
What is the waiting period for life insurance if you have liver disease?
The waiting period for life insurance, if you have liver disease, will depend on the severity of your liver disease and your treatment.
Is there a difference in rates for men and women who have liver disease?
Yes, there is a difference in rates for men and women who have liver disease. Rates for men are typically higher than rates for women.
Is there a difference in rates for people who live in different states if they have liver disease?
Yes, there is a difference in rates for people who live in different states if they have liver disease. Rates will vary depending on your state and the severity of your liver disease.
How can I get the best rates for life insurance if I have liver disease?
The best way to get the best rates for life insurance if you have liver disease is to speak with an independent life insurance agent at Funeral Funds of America.
Can liver disease medication affect my premium rates? for life insurance?
Yes, the medications you are taking for liver disease can affect your premium rates for life insurance. Speak with an independent life insurance agent to find out more.
What is the best life insurance for someone with liver disease?
The best life insurance for someone with liver disease will depend on your age, gender, coverage amount, and health. Speak with an independent life insurance agent to find out more.
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1 Comment
Anthony Indelicato
Thank you!