Affordable Burial Insurance with Lung Disease

You can qualify for affordable burial insurance with lung disease. The type of plan you will be eligible for will depend on the nature of your lung disease and the severity of your condition.

Every life insurance carrier has its own underwriting guidelines for approving applicants with a history of lung disease.

In this article, we are going to reveal to you how burial insurance companies underwrite lung disease, what life insurance options are open for you, and how you can find the best plan at the best price possible.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF LUNG DISEASE?

ASTHMA

Most insurance companies will approve your for first-day coverage if you have asthma.

It’s very rare for a burial insurance company to ask about asthma in their health questions. Your asthma will not pose any problem to you when applying for a burial life insurance policy with most companies.

Most burial insurance companies will gladly accept you with this health condition and offer the best rates.

Best Option: Level Death Benefit


BLACK LUNG DISEASE (Coal Workers’ Pneumoconiosis)

If you have been diagnosed with black lung disease (Coal workers’ pneumoconiosis (CWP), it may be a challenge finding insurance companies that offer first-day coverage and benefits.

Black lung disease is a chronic condition with a high mortality rate which makes life insurance companies respond unfavorably to this condition.


Mild Black Lung Disease

If you have mild black lung disease with no diagnosis or medications in the last 24 months, and no other health conditions, you will qualify for a level death benefit. Your coverage is immediate on day one you will have no two-year waiting period. Your beneficiary will receive your full death benefit when you pass away.

Best Option: Level death benefit plan


Moderate Black Lung Disease

If you have moderate black lung disease and are not healthy enough to qualify for a level death benefit because of your condition, you will be eligible for a first-day benefit plan.

You will be covered from the first day and your death benefit will be phased in over time.

Best Option: First-day benefit plan


Severe Black Lung Disease

Every burial insurance company will decline your application if you have severe black lung disease and using supplemental oxygen to breathe. The only option open for you is a guaranteed issue life insurance that does not ask health questions or checks medical history in any way.

Best Option: Guaranteed issue burial insurance


CHRONIC BRONCHITIS

Some burial insurance carriers don’t ask about chronic bronchitis or any chronic lung conditions on their health questionnaire. Because they don’t ask about it, it means that the company is will accept your medical condition with first-day coverage.

You will qualify for the lowest rates, and your coverage protects you in full from day one of your policy.

As long as you don’t have any other significant health issues that may prevent you from qualifying with these companies, they will gladly approve you for level death benefit plan with first-day coverage.

Best Option: Level Death Benefit


CHRONIC OBSTRUCTIVE PULMONARY DISEASE (COPD)

If you have been diagnosed with COPD, it may be a challenge finding insurance companies that offer first-day coverage and benefits.

COPD had been the 3rd leading cause of death in America. It is a chronic condition with a high mortality rate which makes life insurance companies respond unfavorably to this condition.


Mild COPD

If you have mild COPD with no other health conditions, you will qualify for a level death benefit. Your coverage is immediate on day one, and you will have no two-year waiting period.

Best Option: Level death benefit plan


Moderate COPD

If you have moderate COPD and not healthy enough to qualify for a level death benefit, you will be eligible for a first-day benefit plan.

You will be covered from the first day and your death benefit will be phased in over time.

Best Option: First-day benefit plan


Severe COPD

Every burial insurance company will decline your application if you have severe COPD and using supplemental oxygen to breathe. The only option open for you is a guaranteed issue life insurance that does not ask health questions or checks medical history in any way.

Best Option: Guaranteed issue burial insurance


LUNG DISEASE WITH OXYGEN USE

If you use dailyy oxygen to support your breathing, your only option for coverage is a guaranteed issue burial insurance.

Every insurance carrier will ask about oxygen use. If you are using oxygen daily, you will be flat-out declined for a first-day coverage plan.

Using daily oxygen disqualifies you for a plan that fully protects you from day one, and you will have a two-year waiting period with your guaranteed issue burial insurance policy.

Best Option: Guaranteed Issue Burial Insurance


CYSTIC FIBROSIS

Most cystic fibrosis patients can qualify for coverage that covers them in full from day one.

Moreover, their insurance premiums will cost no more than what healthy individuals will pay. It is very rare that you will have to pay more and have a waiting period.

Cystic fibrosis is a non-issue to most insurance companies. Most of them never ask about it in their health questionnaire.

Best Option: Level death benefit plan


EMPHYSEMA

Most life insurance companies do ask about emphysema in the application, and qualifying for a level death benefit will be a challenge.

Guaranteed issue burial insurance will likely be your best option. It has a two-year waiting period and a little bit expensive than traditional life insurance.

Best Option: Guaranteed Issue Burial Insurance


LUNG TRANSPLANT

If your doctor advised you to have a lung transplant or you’ve been a lung transplant recipient, you will not qualify for a level death benefit plan.

You can still get coverage with a guaranteed issue life insurance.

Best Option: Guaranteed Issue Burial Insurance


LUNG CANCER

If you’ve been diagnosed with lung cancer, you may still qualify for life insurance, but your eligibility will depend on the time you’ve been cancer free.

Cancer-free for 2 Years or Longer

If you’ve been cancer free for two years or longer, you will qualify for a first-day coverage plan.

Best Option: Level death benefit plan


Recent Lung Cancer Diagnosis and Treatment

You may need to wait 2 years after being cured before you can qualify for a level death benefit. A guaranteed issue life insurance policy is your best bet if you have had lung cancer in the last two years.

Best Option: Guaranteed Issue Burial Insurance


TUBERCULOSIS

Tuberculosis is a manageable and highly curable disease.

Tuberculosis patients apply with the right insurance companies, they should be able to get life insurance regardless of this condition.

Many life insurance companies will still insure people who had tuberculosis in the past. We will help you qualify for a level death benefit if you have tuberculosis.

Best Option: Level Death Benefit


PULMONARY HYPERTENSION

Pulmonary hypertension is potentially life-threatening because the blood pressure in the arteries between the heart and lungs is elevated.

This condition can even lead to heart failure.  Most life insurance companies flat out decline anyone who has pulmonary hypertension. Your only option for coverage is a guaranteed issue life insurance.

If your condition improves in the future and the underlying cause of pulmonary hypertension was cured, and you no longer exhibit signs and symptoms, it will be possible to qualify for a level death benefit.

Best Option: Level Death Benefit


SLEEP APNEA

Sleep apnea is a non-issue to most final expense life insurance companies.

You will qualify for level death benefit with the lowest price, and you will be covered from day one. It also means you will not have a two-year waiting period.

Most insurance carriers will even allow you to use oxygen for sleep apnea and still qualify for immediate coverage.

Best Option: Level Death Benefit


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 LUNG DISEASE, DO I NEED A MEDICAL EXAM TO QUALIFY FOR BURIAL INSURANCE?

You are NOT required to take a medical exam to qualify for burial insurance with lung 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 LUNG DISEASE

Most insurance companies with underwriting will review your health history to determine what plans to offer you.


Burial insurance companies have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.

Every company has unique underwriting guidelines, and all of them are different.


HEALTH QUESTIONS

Final expense insurance companies with underwriting have a set of health questionnaire on the application. Your answers to these questions will dictate what policy you will qualify and how much is your monthly premium.

Here are the lung diseases that most life insurance companies ask about on the application:

  • Chronic Obstructive Pulmonary Disease
  • Chronic bronchitis
  • Emphysema
  • Respiratory failure
  • Oxygen use to assist in breathing

You will typically see lung disease asked this way:

  • During the past 24 months, have you been diagnosed by a physician as having or been treated for emphysema, chronic bronchitis, or chronic obstructive pulmonary disease (COPD)?
  • Have you ever had, or been diagnosed with, or received or been diagnosed to receive treatment or medication for chronic obstructive pulmonary disease (COPD), chronic bronchitis, respiratory failure, or emphysema?
  • Within the past 24 months, have you been medically diagnosed or treated by a medical professional or taken medication for chronic obstructive pulmonary disease (COPD), emphysema, chronic bronchitis, respiratory failure, or required oxygen equipment to assist in breathing?

If you respond “yes” to the lung disease question, it may mean a decline, a higher monthly premium, or a waiting period. If you are declined with one company, you can be approved by another company accepting your health condition.


PRESCRIPTION HISTORY CHECK

Every burial insurance company will electronically check your prescription history (except for guaranteed issue life insurance companies).

They will review the drugs that have been prescribed to you in the past years. They will look at the type of medication you have been prescribed, when you first filled them, and how often you have refilled them. This is done to verify your answers on your no-medical exam health questionnaire.

Each final expense insurance company has its own set of drugs that are “red-flagged” and won’t accept applicants who take these prescription medications. If one company declines your application for taking Symbicort (which can be used for either asthma or COPD), another insurance company will accept you.


HOW MUCH INSURANCE DO I NEED IF I HAVE LUNG 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?

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.

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


LUNG DISEASE AND BURIAL INSURANCE RIDERS

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most 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 & FUNERAL INSURANCE

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE WITH LUNG DISEASE

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with lung disease
  • Cremation insurance plan with lung disease
  • Funeral home insurance plan with lung disease
  • Final Expense insurance plan with lung disease
  • Prepaid funeral plan insurance with lung disease
  • Mortgage payment protection plan with lung disease
  • Mortgage payoff life insurance plan with lung disease
  • Deceased spouse’s income replacement plan with lung disease
  • Legacy insurance gift plan to family or loved ones with lung disease
  • Medical or doctor bill life insurance plan with lung disease

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy with lung disease needn’t be a frustrating process; working with an independent agency like Funeral Funds will 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 don’t have to 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 and 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 lung disease funeral insurance, or lung disease burial insurance, or lung disease 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 Lung Disease Infographics

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