Purchasing burial insurance with muscular dystrophy can be very frustrating if you do not work with an experienced high-risk life insurance agency. All too often you will pay too much because you or your agent does not apply to the right company.
You are not automatically ineligible if you’re diagnosed with muscular dystrophy and want to get covered and want to qualify for burial or funeral life insurance.
We can get you affordable burial insurance when you have muscular dystrophy.
We have multiple burial insurance companies that will approve you for a plan with immediate coverage and you can be fully protected from day one!
Over the years, we have helped many clients with muscular dystrophy achieve the protection they need. We work with over 30 life insurance carriers which allow us to find our clients with the right company.
Read on because we will reveal to you how to purchase burial insurance with muscular dystrophy at the lowest rates.
CAN I QUALIFY FOR LIFE INSURANCE IF I HAVE MUSCULAR DYSTROPHY?
Normally, it is challenging to secure life insurance approval when you have a serious medical condition like muscular dystrophy. This is because most life insurance companies don’t want to deal with people with bigger health risks.
Many muscular dystrophy patients may have been turned down for life insurance coverage in the past. However, it is possible to secure coverage if you have this condition (especially if you know what companies to work with).
Working with a high-risk independent life insurance agency will help you navigate all the options to purchase the lowest priced policy.
THE TRUTH ABOUT BURIAL INSURANCE WITH MUSCULAR DYSTROPHY
When you have muscular dystrophy, you can quickly secure affordable life insurance with level death benefit with multiple final expense companies. You would pay the lowest rates possible, and your policy will not have a waiting period.
We are pleased to let you know that some burial insurance companies don’t even care about your muscular dystrophy.
Some companies don’t even ask about muscular dystrophy on their health questionnaire (meaning you would be eligible for immediate coverage).
Outside of the companies that welcome muscular dystrophy applicants, you may encounter declines. Trying to apply for coverage companies that look negatively on muscular dystrophy will surely get you declined for coverage.
Working with a high-risk independent agency like Funeral Funds will give you the best chance at approval.
We can help you find the life insurance company that will offer you the most coverage at the lowest rate.
Since burial insurance plans are a simplified issue, they never require a medical exam. You will only need to answer some questions about your health to qualify.
Muscular dystrophy is a progressive condition that may get worse over time which can drastically affect your life. Thankfully, modern treatment has enabled muscular dystrophy patients to live long healthy lives which is the reason why some life insurance companies are now accepting MD clients.
Regardless of your medical condition, we can help you find an affordable burial insurance policy.
WHY LIFE INSURANCE COMPANIES CARE ABOUT MUSCULAR DYSTROPHY
A muscular dystrophy is a group of diseases that impact skeletal muscle strength. It represents a category of diseases instead of one specific disease.
All types of muscular dystrophy have one end result which is muscle weakness and an overall reduction in mass.
The weakness in the muscles can be either ongoing or off-and-on. The difference between each type is when it occurs and what muscles it attacks first.
These are the symptoms of muscular dystrophy that concerns burial insurance companies:
- Loss of muscle
- Poor coordination
- Frequency of falling
- Difficulty with walking
- Muscular spasms
- Shuffling in gait
- Limitation in movement
- Deformation or contracture in the joint
Muscular dystrophy may become a chronic and progressive condition that will get worse over time. Modern treatments do slow down the progression of the disease.
There are nine major forms of muscular dystrophy, some types will not impact life expectancy, but the most severe type is Duchenne muscular dystrophy. Most patients with Duchenne muscular dystrophy will likely not live beyond the age of 45.
Types of Muscular Dystrophy that do not cause shortened lifespan:
- 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, you will easily qualify for the level death benefit to most life insurance companies.
Types of Muscular Dystrophy that can cause shortened lifespan:
- Congenital muscular dystrophy
- Limb-girdle muscular dystrophy can cause shortened lifespan in some extreme cases
- Emery-Dreifuss muscular dystrophy can create cardiac conditions that can be life-threatening
If you have any of these three types of muscular dystrophy, qualifying for life insurance can be a challenge. Life insurance companies may decline your application or may offer you a limited policy at a higher premium.
Shortened life expectancy is one risk factor high-risk life insurance companies consider. Other non-direct factors are:
- Risk of falling down which can cause severe injury or accidental death
- Complications from surgery
- Cardiac problems
- Difficulty swallowing or breathing due to muscle weakness associated with both tasks
- Lack of strength required to walk and may need a wheelchair for mobility
Muscle weakness and loss of muscle mass can affect your health and life expectancy which is why life insurance companies care if you have muscular dystrophy.
WHAT WILL WE ASK YOU 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 have put together some common questions life insurance carriers might ask you about your muscular dystrophy:
- When were you initially diagnosed with muscular dystrophy?
- What type of muscular dystrophy do you have?
- Do you have any other medical issue as a result of your muscular dystrophy?
- Have you ever been hospitalized because of muscular dystrophy?
- What symptoms have you experienced in the last 12 months?
- Have your symptoms become worse or have new symptoms occurred?
- What medications are you currently taking?
- What is your treatment plan?
- Have you had any medical tests or laboratory done in the last 12 months? If yes, what were the results?
We will ask you these questions to assess your current health. It is your responsibility to answer these questions as honestly as you can and to the best of your ability.
This process allows us to give you an accurate quote and ensures that the company we recommend is the best fit for you. The more information you supply us, the better your chances of being matched with the right insurance carrier.
UNDERWRITING BURIAL INSURANCE WITH MUSCULAR DYSTROPHY
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:
- Do you currently have or have you ever had muscular dystrophy?
Some companies attach a specific time frame to their questions:
- In the last 12 months have you had any pain or other diseases, disorder or problem relating to your back, neck, joints, bones or muscles?
- 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.
Applying for final expense insurance with health questions is the only way to get instant protection and the lowest rates.
If you have a fear of needles or you simply don’t want to be asked about your health, you could apply for guaranteed issue life insurance. However, you should never do that unless other severe medical conditions may prevent you from qualifying for a level death benefit.
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.
OTHER FACTORS THAT MAY AFFECT UNDERWRITING
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.
Wheelchair use due to chronic illness is an automatic decline to most final expense companies. Your only option to get a life insurance policy is to get a guaranteed issue policy with no health questions.
ASSISTANCE WITH ACTIVITIES OF DAILY LIVING
If you have a severe type of muscular dystrophy, you may need assistance with activities of daily living.
Every final expense life insurance company always ask if you need help in performing activities of daily living. If you have the severe type of muscular dystrophy, you will need help with ADL’s as your condition gets worse.
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).
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 graded death benefit with partial coverage from the first day.
POLICY OPTIONS IF YOU HAVE MUSCULAR DYSTROPHY
There are different policy options if you have muscular dystrophy.
#1. They will accept your application and offer you immediate coverage (Level Death Benefit)
There are final expense companies that don’t even ask about muscular dystrophy in the health questionnaire. They don’t care about this medical condition, and they will treat you like a person in perfect health.
Your full coverage begins on approval, and they won’t charge you an additional premium.
You will qualify for level death benefit if you don’t have other health condition that may prevent you from qualifying to these muscular dystrophy friendly companies.
#2. They will charge you more and limit your death benefit (Graded Death benefit)
If your muscular dystrophy is moderate burial insurance companies will offer you a graded death benefit. This plan has a partial death benefit. It has a two-year waiting period, but the partial coverage will start from the first day.
If you pass away during the first day, the policy will pay out 30-40% of the death benefit. On the second year, they will pay 70-80%. The full death benefit will be paid on the third year of the policy.
#3. They will charge you a little bit more, and there will be a waiting period (Guaranteed Issue Life Insurance)
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%.
WHAT IF I GOT DECLINED FOR COVERAGE?
Most of our muscular dystrophy clients that come to use to get coverage have been declined at least once because they used an inexperienced agent. Many have tried to do it on their own and got frustrated before approaching us.
The truth is if you are not shopping with the right insurance companies you will surely be declined.
If you have been declined for 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 better rates.
When applying for life insurance with muscular dystrophy, it is best to work with an agency that has access to more than one insurance company.
This is where we can help 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 premium.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with muscular dystrophy needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of muscular dystrophy, let us help you; we will work with you side by side to find a plan that fits your needs.
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 will shop your case to different insurance carriers and get you the best price.
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 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.