Burial Insurance with Muscular Dystrophy

Couple Wondering About Burial Insurance with Muscular Dystrophy

Purchasing burial insurance with muscular dystrophy is possible, but your life insurance options are limited.

If you or a family member has been diagnosed with muscular dystrophy and would like more information, keep reading.

In this article, we will explore how insurance companies underwrite people with muscular dystrophy and how to get the best burial insurance with muscular dystrophy at the lowest pricing.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF MUSCULAR DYSTROPHY?

Types of Muscular Dystrophy the insurance companies want to know about:

  • Becker muscular dystrophy
  • Facioscapulohumeral muscular dystrophy
  • Oculopharyngeal muscular dystrophy
  • Myotonic muscular dystrophy
  • Distal muscular dystrophy

If you suffer from any of these types of muscular dystrophy and you can perform activities of daily living on your own, your best option is a level death benefit plan with first-day coverage from select final expense companies. You would pay the lowest rates possible, and your policy will not have a waiting period.

Best Option: Level death benefit plan with first-day coverage


OTHER FACTORS THAT MAY AFFECT ELIGIBILITY

WHEELCHAIR USE

Many applicants with muscular dystrophy start using wheelchairs when they lose muscle mass, and their muscles become weak. Most burial insurance companies ask about wheelchair use.

If your medical condition gets worse and you need to use a wheelchair for mobility, or you need assistance with activities of daily living, guaranteed issue life insurance is your only option to get a policy. This is a no health questions policy and you are guaranteed acceptance regardless of your medical condition.

Guaranteed issue policies cost a little bit more compared with a level death benefit, and it comes with a two-year waiting period.

If you pass away from a natural cause during the first two years of the policy, your beneficiaries will get the return of premiums plus interest which is typically 10%.

Best Option: Guaranteed issue burial insurance


ASSISTANCE WITH ACTIVITIES OF DAILY LIVING

Every final expense life insurance company always asks if you need help in performing activities of daily living. If you have a severe type of muscular dystrophy, you will need help with ADL’s as your condition gets worse.

Insurance companies define assistance with daily living activities as needing help with the following: eating, bathing, dressing, toileting, transferring, and continence.

Most burial insurance companies will decline your application in this situation and getting a guaranteed issue life insurance is your only option (and something we can help you with).

Best Option: Guaranteed issue burial insurance


HOME HEALTH CARE

This scenario is identical to that of needing help with activities of daily living.

There are only a few companies that accept home health care applicants. If you need permanent home health care, your best option to get coverage is to get a guaranteed issue burial insurance.

Best Option: Guaranteed issue burial 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 MUSCULAR DYSTROPHY, 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 muscular dystrophy.

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 MUSCULAR DYSTROPHY

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.


HEALTH QUESTIONS

Burial and funeral insurance company with underwriting questions will ask questions about your health to assess your level of risk. They will ask about muscular dystrophy in different ways.

Here is an example of how they might ask about it:

  • During the past 24 months have you been treated for neuromuscular disease?
  • Within the past 24 months have you been medically diagnosed or treated for any neuromuscular disease?
  • In the last 24 months did you have muscular dystrophy or motor neuron disease?

Regardless of how they ask about muscular dystrophy, you should say yes to these questions if you have been diagnosed with this condition.


PRESCRIPTION HISTORY CHECK

Aside from the health questions, final expense insurance companies will electronically review your prescription history so that they can verify your health history and current health status.

For example, if you have muscular dystrophy, but you didn’t disclose it in the health questionnaire; your prescription records and past prescription history will confirm your diagnosis.

Here is a list of most common medications that are flagged for muscular dystrophy:

  • Corticosteroids (Prednisone)
  • Emflaza (Deflazacort)
  • Exondys 51 (Eteplirsen)
  • Translarna (Ataluren)

If you are taking any of these drugs, most burial insurance companies will look at you as if you are a muscular dystrophy patient. If you answer no to the muscular dystrophy questions, the presence of these drugs in your prescription history will override your answer.


HOW MUCH INSURANCE DO I NEED IF I HAVE MUSCULAR DYSTROPHY?

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


MUSCULAR DYSTROPHY 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


INFORMATION WE NEED IF YOU HAVE MUSCULAR DYSTROPHY

When applying for burial insurance coverage with muscular dystrophy, it’s crucial that you provide us as much information as possible. This information will better help us understand your condition and will help us to provide you with an accurate quote.

We will ask you a series of health questions to get a better idea of your condition.

These questions include:

  1. When were you initially diagnosed with muscular dystrophy?
  2. What type of muscular dystrophy do you have?
  3. Do you have any other medical issues as a result of your muscular dystrophy?
  4. Have you ever been hospitalized because of muscular dystrophy?
  5. What medications are you currently taking?
  6. Are you confined in a wheelchair?
  7. Can you perform activities of daily living on your own?

We need to know your medical condition to be able to provide you with the best recommendation. The more information you supply us, the better your chances of being matched with the right insurance company with the best rate.


WHAT IF I GOT DECLINED FOR COVERAGE?

If you have been declined life insurance coverage in the past, do not believe that you can’t find an affordable life insurance plan with a different company. Working with an independent life insurance company like Funeral Funds that knows the underwriting guidelines of multiple companies will get you approved for coverage.

We can help you because we have access to more than 30 insurance companies, we can match you with the right company with the lowest rates. It can save you time and frustration during the life insurance application process.

If you have muscular dystrophy and now ready to apply for life insurance, we can help you compare life insurance policies and premiums.


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 MUSCULAR DYSTROPHY

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

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

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 burial insurance with muscular dystrophy 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 muscular dystrophy funeral insurance, muscular dystrophy burial insurance, or muscular dystrophy 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.

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