Burial Insurance with Liver Disease

Finding the most affordable burial insurance with liver disease is possible. Depending on what type of liver disease you have, 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 making sure you get the best plan at the rate you can afford.

In this article, we 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?

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 you have extra fat in your liver. It is typically caused by heavy alcohol drinking, but you can also get if even if you don’t drink alcohol too much.

If you have simple fatty liver or non-alcoholic liver disease you may qualify for the first-day benefits.

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, or are still infected, and are 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 usually a short term infection but may become chronic when the virus remains in the body.

If you’re undergoing treatment or cured from Hepatitis C, you will qualify for 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 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


WHAT TYPE OF BURIAL INSURANCE IS BEST?

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

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, and 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.

The liver disease that insurance compaines care most about are hepatitis C, liver cirrhosis, and liver cancer. If you have any of these conditions, you will qualify for guaranteed issuer life insurance only.

Do you have other health problems aside from liver disease? Check this table to understand 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 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$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
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


HOW SHOULD I PAY MY 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

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


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 it involves little to no underwriting.

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded 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 make toward getting affordable coverage is to work with an independent life insurance agency like Funeral Funds that specializes in coverage for high-risk clients.

We are experts in life insurance underwriting requirements 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 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 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 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Liver Disease Infographic

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