2022 Burial Insurance after Prostate Cancer

Man Thinking About Burial Insurance after Prostate Cancer

Affordable burial insurance after prostate cancer is available for survivors of prostate cancer. Many life insurance providers will willingly accept you even if you have a past prostate cancer diagnosis.

IMPORTANT: If you are currently being treated for cancer, you will only qualify for a guaranteed issue burial insurance with a two-year waiting period.

This article will show you how insurance companies respond to your individual medical concerns, what your options for coverage are, and how to find the best burial policy at the lowest rate.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF PROSTATE CANCER?

YOU’VE BEEN CANCER-FREE FOR MORE THAN 24 MONTHS 

If you have finished prostate cancer treatment and are cured for more than 24 months, you have access to the best prostate cancer burial insurance options. .

If it’s been more than 24 months since your last cancer treatment, you can now honestly answer “NO” to the cancer question in the application. You can now be eligible for a level death benefit plan with first-day coverage to those life insurance providers that only have a two-year look-back period on prostate cancer.

You will have full coverage from the first day, and you will not have a waiting period on your plan. If you pass away due to any reason, your beneficiary will receive 100% of your death benefit amount.

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


PROSTATE CANCER HAS A TWO-YEAR LOOKBACK PERIOD

If you have prostate cancer or are in remission, most life insurance companies would require you to be done with treatment and in complete remission for a minimum of two years before they offer you a policy with first-day coverage.

The longer you have been cancer-free, the more positive life insurance providers will consider your application.


IF YOU’VE BEEN DIAGNOSED OR TREATED IN THE LAST 24 MONTHS

Prostate cancer treatments on an insurance application:

There are different types of prostate cancer treatments that the insurance companies consider before offering you a plan and approving your application for coverage:

A few of these medical treatments are:

  1. Prostate Cancer Treatments
  2. Biological therapy
  3. Castration
  4. Castration (chemical)
  5. Chemotherapy
  6. Cryosurgery or Cryoablation
  7. External beam radiation
  8. Hormone therapy
  9. Radiation therapy.
  10. Radical prostatectomy
  11. Transurethral prostatectomy

If you are going through any of these treatments, you will be considered a prostate cancer patient.

Every life insurance company generally asks about prostate cancer within a minimum period of 24 months, so guaranteed issue life insurance would be your ideal choice in this case.

These are the instances where guaranteed issue life insurance is your best option:

  • Currently diagnosed with prostate cancer
  • Current surgery to remove prostate cancer
  • PSA of 1.0 or higher after surgery
  • Hormonal therapy after surgery
  • Gleason score of 8 or higher
  • Stage T2c or greater
  • Any recurrence of prostate cancer

You don’t have to submit to a medical exam or answer any questions about your health to qualify for guaranteed issue life insurance. If you have a current diagnosis of prostate cancer, you can quickly get this plan if you are between the ages of 50 and 85  and a U.S. citizen.

Guaranteed issue final expense insurance offers insurance coverage despite a prostate cancer diagnosis, but it has a two-year waiting period for natural causes of death.

However, this plan will pay 100% of your death benefit if you die from an accident during the waiting period. If you die within the first two years, the company will refund all your premiums to your beneficiary plus 10% interest.

After the two-year waiting period, you are 100% covered, and your beneficiary will receive your full death benefit if you pass away for any reason.

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 $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?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
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 PROSTATE CANCER, 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 after prostate cancer.

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 PROSTATE CANCER

If you want to get first-day coverage and access the lowest premium, you must apply for a final expense plan that has underwriting.

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

Each burial insurance company have their own set of health questions.

You will typically see prostate cancer questions in two different sections of the application. It will be asked in the “knockout” part and the “graded” section.

Here are the most common ways prostate cancer will be asked in the health questionnaire:

  • In the last 24 months, have you been diagnosed with prostate cancer or been advised to receive chemotherapy or radiation for cancer?
  • In the previous two years, have you been treated for any internal cancer?
  • In the last three years, have you received treatment for any internal cancer?
  • In the past 3 years, have you been diagnosed with cancer, or received chemotherapy or radiation treatment for cancer?

Answering “yes” to any of these cancer questions will limit your life insurance options.

PRESCRIPTION HISTORY CHECK

Aside from the health questionnaire, the insurance companies will also electronically check your prescription history to know your current health and verify your answer to the health question.

The information they will get from your prescription history check includes:

  • Name of your medications
  • Dates they were prescribed
  • Quantity or dosage taken
  • Frequency taken each day

Insurance providers are also on the lookout for particular drugs that will indicate high-risk applicants.

If you are taking any of the following medications:

  • Casodex
  • Flutamide
  • Eligard
  • Lupron
  • Niladron
  • Trelstar
  • Vantas
  • Zoladex
  • Zytiga

Taking any of these medications will show the insurance company that you are a prostate cancer patient, and they will classify you as a high-risker applicant.


EFFECTS OF PROSTATE CANCER ON LIFE INSURANCE ELIGIBILITY

Life insurance companies know that prostate cancer typically grows very slowly, and may only need minimal treatment. Although some types are aggressive and will quickly spread to other parts of the body, prostate cancer must be detected early for the patient to have a better chance of successful treatment.

Factors that may affect prostate cancer and burial insurance eligibility:

  • The stage and grade of prostate cancer
  • The age at the time of diagnosis
  • The type of treatment you are undergoing
  • The time when treatment was completed
  • Relapses if there are any
  • Your general health

The insurance company will look at all these factors to determine how much of a risk you present. The higher the risk you are, the higher your premium will be, and there may be a waiting period on your plan. 

Affordable life insurance coverage is now available to prostate cancer patients and survivors.

If your cancer is successfully treated and you are have been in remission for 24 months, you have the highest chance of qualifying for the best plan at the lowest rate.


HOW MUCH INSURANCE DO I NEED IF I HAVE PROSTATE CANCER?

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 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
Hearse$325
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Vault$1,572
Median Cost of a Funeral With Viewing and Burial$9,420
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION
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
Urn$295
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.


PROSTATE CANCER 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 PROSTATE CANCER

When you request a burial insurance quote from us, we will ask you a few health questions to get a good idea of your past and current health condition.

  1. When were you diagnosed with prostate cancer?
  2. What was the stage of your prostate cancer?
  3. What is your method of treatment?
  4. What medications are you taking for prostate cancer?
  5. Has there been any evidence of recurrence?
  6. Are you in remission now?
  7. How long have you been in remission from prostate cancer?
  8. Have you experienced any relapses?
  9. Do you have other medical conditions other than prostate cancer?

Your answers to these prostate cancer questions will help us determine the type of life insurance policy you will qualify for and how much you will pay for coverage.


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 is 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 PROSTATE CANCER

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

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

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 if you have prostate cancer 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 prostate cancer funeral insurance, or prostate cancer burial insurance, or prostate cancer life insurance.

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 WITH PROSTATE CANCER

Can I get life insurance if I had prostate cancer?

Yes, you can get life insurance if you had prostate cancer. You can even qualify for a first-day coverage plan if you’ve been cancer-free for two years or longer.


Can you get first-day coverage insurance if you have prostate cancer?

Yes, you can get first-day coverage insurance if you have been cancer-free for two years or longer. This means that your life insurance policy will not exclude coverage for prostate cancer. You may want to check with the insurer to see if there are any other pre-existing conditions that would exclude you from coverage.


Is prostate cancer a pre-existing condition for life insurance?

Yes, prostate cancer is a pre-existing condition for life insurance. You’ll need to check with the insurer to see if there are any other pre-existing conditions that would exclude you from coverage.


Can prostate cancer be considered a critical illness in life insurance?

Yes, prostate cancer can be considered a critical illness in life insurance. This means that your life insurance policy will pay out a lump sum benefit if you are diagnosed with prostate cancer. The benefit can be used to cover medical expenses, lost income, or any other expenses associated with your diagnosis.


Is prostate cancer a disability?

No, prostate cancer is not a disability. However, you may be eligible for long-term care insurance if you have prostate cancer. This type of insurance will help pay for your care if you are unable to care for yourself.


I have prostate cancer, can I get life insurance?

Yes, you can get life insurance if you had prostate cancer. You can even qualify for a first-day coverage plan if you’ve been cancer-free for two years or longer.


Do I need to tell insurance about prostate cancer?

Yes, you need to tell your insurance company about your prostate cancer diagnosis. Failure to do so could result in your policy being void.


Do I need to take a medical exam if I have prostate cancer?

No, you don’t need to take a medical exam if you have prostate cancer. However, the insurance company may require you to complete a health questionnaire.


How much will my premiums increase if I have prostate cancer?

Your premiums will likely increase if you have prostate cancer. The amount of the increase will depend on the insurance company and the type of policy you have.


What are the chances of getting life insurance if you have prostate cancer?

The chances of getting life insurance if you have prostate cancer depend on the insurance company and the type of policy you have. Some insurers may not offer coverage to individuals with a history of cancer, while others may charge higher premiums.


Can a person with prostate cancer get burial insurance?

Yes, a person with prostate cancer can get burial insurance. This type of insurance will help pay for your funeral and other end-of-life expenses.


What is the best life insurance for someone with prostate cancer?

The best life insurance for someone with prostate cancer is a first-day coverage plan. You can qualify for this plan if you have been cancer-free for two years or longer.


Which insurance is best for patients with prostate cancer?

There is no one “best” insurance for patients with prostate cancer. The best insurance for you will depend on your individual needs and circumstances. You should consult with an insurance agent or broker to find the best policy for you.


My husband has prostate cancer, can I get life insurance for him?

Yes, you can get life insurance for your husband if he has prostate cancer. You’ll need to check with the insurer to see if there are any other pre-existing conditions that would exclude him from coverage.


What is the average cost of life insurance for someone with prostate cancer?

The average cost of life insurance for someone with prostate cancer depends on his age, gender, location, coverage amount, and general health.


What are the things that may affect my eligibility if I have prostate cancer?

There are several things that may affect your eligibility if you have prostate cancer. These include your diagnosis, treatment, medications, and the time that you’ve been cancer-free.


Can you be denied insurance for prostate cancer?

Yes, you can be denied insurance for prostate cancer. If you’ve been recently diagnosed with cancer and undergoing treatment, some life insurance companies may deny your application for coverage.


How long do I have to wait to get life insurance after being diagnosed with prostate cancer?

The waiting period for life insurance after being diagnosed with prostate cancer depends on the insurer and the type of policy you have. Some insurers want you to be cancer-free for two years before they issue a policy.


Can I qualify for cremation insurance with a history of prostate cancer?

Yes, you can qualify for cremation insurance with a history of prostate cancer. This type of insurance will help pay for your funeral and other end-of-life expenses.


Is there a waiting period for life insurance with prostate cancer?

The waiting period for life insurance with prostate cancer depends on the insurer and the type of policy you have. Some insurers want you to be cancer-free for two years before they issue a policy.


What is the average cost of life insurance for someone with prostate cancer?

The average cost of life insurance depends on your age, gender, location, coverage amount, and health.


What is my best insurance option if I have prostate cancer?

The best insurance option for people with prostate cancer is a first-day coverage plan. You can qualify for this plan if you’ve been cancer-free for two years or longer.


Can prostate cancer patients get final expense insurance?

Yes, you can get final expense insurance if you have prostate cancer. This type of insurance will help pay for your funeral and other end-of-life expenses.


How much does life insurance cost for someone with prostate cancer?

The cost of life insurance for someone with prostate cancer depends on his age, gender, location, coverage amount, and general health.


Can surgery affect my insurance eligibility?

Yes, surgery can affect your insurance eligibility. If you’ve had surgery to remove your prostate, some insurers may consider you to be a higher risk and deny your application for coverage.


Can prostate cancer affect your life insurance rates?

Yes, prostate cancer can affect your life insurance rates. If you’ve been diagnosed with cancer, some insurers will consider you to be a higher risk and charge you higher premiums.


How long does insurance cover prostate cancer?

Most life insurance policies will cover you for your lifetime, as long as you continue to pay your premiums.


Can prostate cancer medication affect my premium?

Yes, the cost of your prostate cancer medication can affect your premium. If you’re taking medication to treat your cancer, some insurers may consider you to be a higher risk and charge you higher premiums.


Is there an age limit for burial insurance with prostate cancer?

If you are 18-85 years old. You can apply for burial insurance.


What are some tips for getting life insurance with prostate cancer?

Here are some tips for getting life insurance with prostate cancer:

  • Shop around at Funeral Funds and compare rates from different insurers.
  • Be honest about your medical history and disclose all information about your cancer.
  • Choose a policy with a death benefit that will cover your final expenses.
  • Talk to an insurance agent or broker to find the best policy for you.


Can prostate cancer affect life insurance?

Yes, prostate cancer can affect life insurance. If you’ve been diagnosed with cancer, some insurers will consider you to be a higher risk and charge you higher premiums.


Can you be rejected for life insurance because of prostate cancer?

Yes, you can be rejected for life insurance because of prostate cancer. If you’ve been diagnosed with cancer, some insurers may consider you to be a high risk and deny your application for coverage.


What are the chances of getting life insurance with prostate cancer?

The chances of getting life insurance with prostate cancer depend on the severity of your cancer, your age, and your overall health. If you’ve been diagnosed with cancer, some insurers may consider you to be high risk and deny your application for coverage.


What are the best life insurance companies for prostate cancer?

The best life insurance companies for prostate cancer are those that offer policies with first-day coverage. You can qualify for this type of policy if you’ve been cancer-free for two years or longer.


Can you qualify for funeral insurance if you have prostate cancer?

Yes, you can qualify for funeral insurance if you have prostate cancer. This type of insurance will help pay for your funeral and other end-of-life expenses.


How can you get the best life insurance rates with prostate cancer?

The best way to get the best life insurance rates for prostate cancer is to work with an independent insurance agent from Funeral Funds to help you compare rates from different insurers. Be sure to disclose all information about your cancer, as this will help you get the most accurate quote.


What are some things to keep in mind when getting life insurance with prostate cancer?

Some things to keep in mind when getting life insurance with prostate cancer include:

  • Be honest about your medical history and disclose all information about your cancer.
  • Choose a policy with a death benefit that will cover your final expenses.
  • Talk to an insurance agent or broker to find the best policy for you.

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