2023 Burial Insurance with Nephropathy or Berger’s Disease

Finding affordable burial insurance with nephropathy or with IgA nephropathy (Berger’s disease) is easier than you think. In fact, there are a number of different options to get final expense insurance, even if you require dialysis.

Regardless of your current health, it’s possible to get quality burial insurance that you can afford.

In this article, we will give you all the information you need to find the right insurance plan based on your needs and budget. Keep reading this article to take an in-depth look at what it’s like to buy burial insurance with Nephropathy or Berger’s disease.


What Is My Best Insurance Option If I Have A History Of Nephropathy?

The time that passed since your nephropathy diagnosis will affect your eligibility.


If you had nephropathy for over two years now, you have better options. Some burial insurance companies have a two-year look-back period on nephropathy and will offer you a level death benefit plan with first-day benefits.

The best feature of the level death benefit is immediate coverage. You will be fully covered from day one, and your beneficiary will receive your full death benefit when you pass away.

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


If you currently have nephropathy or Berger’s disease (within the previous two years), your best life insurance option is 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


Nephropathy can’t be reversed once the damage is done. This condition is progressive, meaning it continues to get worse over time. Once it has reached the advanced stage, you will need dialysis to remove the waste products from the blood.

No life insurance company will offer you first-day coverage plan if you are on dialysis. Being on dialysis mean that you will have to wait two years before any life insurance carrier will pay out a death benefit to your beneficiaries.

Best Option: Guaranteed issue burial insurance

There are only three requirements for you to qualify for guaranteed issue life insurance:

  1. You must be a U.S. citizen.
  2. You must be between 50 to 85 years old to qualify.
  3. You must live in a state where the product is available.

This type of policy is designed for people looking for life insurance to cover end-of-life expenses. It is the easiest and discreet way of applying for and receiving life insurance coverage when you’re on dialysis.

What Types Of Burial Insurance Should I Avoid?

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 $100,000 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?

1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES

If I Have Nephropathy, 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 nephropathy.

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 Nephropathy

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 burial insurance company will ask about kidney disease (except guaranteed issue life insurance).

You may see some companies ask about kidney disease, chronic kidney disease or kidney complications. It does not matter how they ask about it, and if you have diabetic nephropathy, you need to answer yes to the kidney disease question.

Here some common ways kidney disease is asked in the health questions:

  • Within the past 2 years have you had, or been diagnosed with, or received or been advised to receive treatment for medication for complication of diabetes such as diabetic coma, nephropathy (kidney), insulin shock, retinopathy (eye), or neuropathy (nerve, circulatory)?
  • During the past 24 months, have you been treated for kidney failure (including dialysis)?
  • Have you had, or been advised, or have been diagnosed, treated (including dialysis), or taken medication for chronic kidney disease or kidney failure?

You should pay attention to the time frame tied to the question. The questionnaire will use one of the two-time references when they ask about nephropathy. They will most often ask if you have it within the last two years, or if you have ever had nephropathy or kidney disease.

Some companies only look back two years on nephropathy.


There are no specific medications that would indicate diabetic nephropathy. Usually, nephropathy patients have prescribed a host of hypertension and standard diabetic medications.

Some of the prescription medications for nephropathy include:

  • Benazepril (Lotensin)
  • Enalapril (Vasotec)
  • Lisinopril (Prinivil)
  • Losartan (Cozaar)
  • Moexipril (Univasc)
  • Quinapril (Accupril)
  • Ramipril (Altace)
  • Valsartan (Diovan)

The presence of these medications in your prescription history may indicate that you have nephropathy and may be used to determine your eligibility for coverage.

How Much Insurance Do I Need If I Have Nephropathy?

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.

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
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Median Cost of a Funeral With Viewing and Burial$9,420
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
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.

Nephropathy 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:

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

Information We Need If You Have Nephropathy

When applying for final expense insurance with nephropathy, it is important to provide as much information as possible.

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

These questions include:

  1. When did you have diabetic nephropathy?
  2. Have you experienced any symptoms of nephropathy within the past six months?
  3. Do you have any other diabetic complications?
  4. What medications are you taking?
  5. Have you ever been hospitalized for any reason in the last 12 months?
  6. Have you ever been advised to have dialysis?

It is critical you answer these questions honestly. With your answers to these questions, we will be able to get a good idea of your health condition.

With this information, we can determine what company will be the best fit for you, and who will offer you the best pricing.

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 Nephropathy

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

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

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 nephropathy 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 nephropathy, 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 nephropathy funeral insurance, or nephropathy burial insurance, or nephropathy 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.

Additional Questions & Answers On Burial Insurance For Diabetic Nephropathy

Can I get burial insurance if I have nephropathy?

Most carriers will automatically accept coverage for health problems such as diabetes, but there are some policies that may provide limited benefits if you have diabetic complications such as neuropathy, nephropathy, diabetic coma, diabetic amputation, or insulin shock.

Can you get burial insurance with nephropathy?

Some life insurance companies do offer coverage to people with nephropathy.

Can you qualify for final expense insurance with nephropathy?

Yes, you can still qualify for final expense insurance with diabetic nephropathy.

What is Type 2 diabetes with nephropathy?

Diabetic nephropathy or kidney damage is a common complication of type 1 and type 2 diabetes.

How do insurance companies check for pre-existing conditions?

Insurance companies will use underwriting guidelines to check for any pre-existing conditions. Insurance companies offering first-day coverage ask health questions to know your health issues.

Can you get insurance with kidney disease?

Yes, you can get insurance coverage even if you develop kidney disease as a result of diabetes.

Is nephropathy the same as chronic kidney disease?

Diabetic nephropathy is a kind of chronic kidney disease (CDK). It is a long-term kidney disease that affects people with type 1 and type 2 diabetes.

Does nephropathy get worse with age?

Diabetes is a progressive disease, and it does tend to get worse with age. Treatment is more complicated when your body begins to lose its ability to secrete insulin.

Can you live with diabetic nephropathy?

Diabetic nephropathy is not curable but treatments can delay the progression of this kidney disease. It is important to keep blood sugar levels under control through medications and lifestyle changes.

How much do you need to tell an agent about your diabetes and nephropathy?

This would include both Type 1 and Type 2 diabetes. You should inform your agent about all known health conditions including any medications being taken.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Nephropathy Infographic


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