Burial Insurance with Retinopathy (2024 Update)
last updated on November 7, 2024Retinopathy will not stop you from getting burial insurance with first-day coverage. Whether you’re thinking cremation, funeral, whole life, or final expense insurance, we’ve got options with top companies ready to roll. Some of them even offer first-day coverage plans, depending on your zip code.
Burial insurance covers it all – burial, cremation, final expenses, funeral costs, or leaving a financial legacy.
If you prefer to keep reading, we’ve got more details on burial insurance for those with retinopathy, or fill out our quote request form for immediate assistance and pricing information.
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What Is Diabetic Retinopathy?
Diabetic retinopathy is a serious eye condition that loves to mess with folks who have diabetes, leading to vision loss or even blindness. Your retina – the MVP of your eye – takes a hit when high blood sugar starts messing with those delicate blood vessels, causing them to leak or bleed. And if that’s not enough, some wild new vessels might decide to grow, making things even messier.
In the early days, you might not even notice it creeping in, but as it gets worse, you could be seeing floaters, dealing with blurry vision, struggling at night, or even losing that sharp central vision.
Life insurance companies like to play detective when it comes to your health, and retinopathy might raise a red flag as an extra risk. But don’t fret – take care of yourself, and you’ll boost your chances of getting covered without breaking a sweat!
Can I Get Burial Insurance If I Have Retinopathy?
Oh, absolutely! But here’s the deal – you’ve got to pick the right company. Some of them want to see that you’re actually following your doc’s orders and popping those prescribed meds like you should. Do that, and you’re good to go!
What Is My Best Insurance Option If I Have Retinopathy?
DIAGNOSED WITH RETINOPATHY – You could totally score first-day coverage insurance with zero waiting around. When your time comes, your beneficiary gets the full death benefit, no questions asked.
NEEDING HELP WITH ACTIVITIES OF DAILY LIVING – If retinopathy’s got you blind and needing help with the basics like eating, bathing, or getting dressed, listen up. As long as you’re still handling these things on your own, you might qualify for first-day coverage insurance too. And guess what? Your beneficiary will cash in that full death benefit when you’re gone.
If you need help with activities of daily living, your best bet is guaranteed issue burial insurance life, here’s the scoop: it’s got a two-year waiting period. But don’t panic – if something happens during that time, your beneficiary gets your premiums back with a sweet 7-10% interest on top.
HOME HEALTH CARE – Need home health care because of your retinopathy? No problem! Your best move is grabbing a guaranteed issue whole life insurance burial policy.
Do I Need to Take a Medical Exam to Qualify For Burial Insurance?
Nope, no needles or awkward doctor visits here! All you have to do is answer a few basic health questions. The application process is a breeze – no need to dig up your medical records or deal with blood and urine samples. And guess what? You’ll usually get that official stamp of approval from the insurance company in just minutes!
How Much Does Burial Insurance Cost If I Have Retinopathy?
The pricing on your burial insurance depends on a few things:
- Age
- Coverage amount
- Gender
- State of residence
- Smoking status
- Type of policy
Pricing example for a graceful 60-year-old female who have retinopathy:
| FEMALE PRICING | PREMIUM FOR $10,000 |
|---|---|
| CICA Life Superior Choice – 1st-Day Coverage | $47.25 |
| Colonial Penn – GI – 2-Year Wait | $49.75 5 units |
| Gerber Life – GI – 2-Year Wait | $51.06 |
| Lincoln Heritage – Modified – 2-Year Wait | $96.80 |
| Mutual Of Omaha – GI – 2-Year Wait | $42.70 |
Pricing example for a confident 60-year-old male who have retinopathy:
| MALE PRICING | PREMIUM FOR $10,000 |
|---|---|
| CICA Life – Superior Choice – 1st-Day Coverage | $53.09 |
| Colonial Penn – GI – 2-Year Wait | $59.70 6 units |
| Gerber Life – GI – 2-Year Wait | $63.89 |
| Lincoln Heritage – Modified – 2-Year Wait | $114.14 |
| Mutual Of Omaha – GI – 2-Year Wait | $56.90 |
Burial Insurance Underwriting For Retinopathy
Curious how insurance companies get nosy about your diabetic retinopathy? Here’s the lowdown on what they might ask:
- In the past two years, have you been diagnosed, treated, tested positive for, taken medications or been prescribed medications for, or been advised by a licensed physician or other health care provider for insulin shock, diabetic coma, eye or kidney problems due to complications from diabetes?
- In the previous 24 months, have you been medically diagnosed or treated for diabetes, uncontrolled diabetes, or diabetes complications, including circulation, amputation, coma, insulin shock numbness, and eye or kidney disorder?
- Within the previous two years, have you had or been diagnosed or advised to receive treatment or medication for diabetic complications such as insulin shock, diabetic coma, neuropathy (nerve, circulatory), retinopathy (eye), or nephropathy (kidney).
You might be popping these meds if you’re dealing with retinopathy:
- Aflibercept
- Eylea
- Lucentis
- Ranibizumab
What If I’m Declined Coverage Due To Retinopathy?
Got turned down? No biggie! We’re experts at finding you coverage with a different company that couldn’t care less about your diabetic retinopathy.
But heads up – we only suggest a 2-year waiting period policy if there’s no other option because those GI policies come with a hefty price tag.
Information We Need If You Have Retinopathy
To hook you up with the best insurance deal, we’ll ask a few health questions to get the full picture.
Some things we might ask:
- Are you using oral medications?
- Have any new medications been added in the past 12 months?
- Have you ever experienced a diabetic coma?
- Have you experienced insulin shock?
- When do you start using insulin?
How To Get First-Day Coverage If You Have Retinopathy
The best way to get first-day coverage burial insurance is by teaming up with an independent agency like Funeral Funds. Our agents are pros at sniffing out the top insurance companies that get your diabetic retinopathy and can hook you up with first-day coverage.
How Can Funeral Funds Help Me?
At Funeral Funds, we’re all about helping folks with retinopathy get the life insurance they deserve. We’ve got the inside scoop on A+ rated carriers that specialize in high-risk clients. We’ll dig through the options to find you the best rates and match you with your perfect life insurance plan.
We’re here to make sure you lock in the coverage you need at a price that won’t break the bank.
Ready to get affordable life insurance with retinopathy? Just fill out our quote form on this page or give us a call at (888) 862-9456 to get your hands on those sweet burial insurance quotes.
Frequently Asked Questions
Does diabetic retinopathy disqualify you for final expense insurance?
Nope! Plenty of folks with diabetic retinopathy qualify for first-day coverage as long as they pick the right company.
Is it hard to get life insurance if you have diabetic retinopathy?
Not at all! Most people with diabetic retinopathy can still get life insurance, and some plans even throw in first-day coverage.
Is life insurance expensive for diabetics with retinopathy?
No way! If you go with the right company, you’ll find the rates totally affordable.
Can you get funeral insurance with retinopathy?
Absolutely! These plans can cover all your funeral expenses, so your family won’t have to shell out a single penny.
How does diabetic retinopathy affect life insurance?
If your diabetic retinopathy is severe and causing blindness, plus you need help with daily tasks, you might not qualify for every plan out there. But don’t worry – there are still options.
Can you get cremation insurance with retinopathy?
Yes! Your best bet? A first-day coverage plan, hands down!
