2024 Burial Insurance with Scleroderma
last updated on July 22, 2024Qualifying for affordable burial insurance with scleroderma is easier than you think. Most burial insurance companies do not even ask about scleroderma in their health questionnaire.
You can qualify for first-day coverage with the lowest rates. You will only have to pay more and have a waiting period if you have severe complications from scleroderma (which we hope you don’t have) such as kidney failure or congestive heart disease.
In this article, you will learn how burial insurance companies underwrite scleroderma, what options are open for you, and how to get the best burial policy.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Scleroderma?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Scleroderma, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Scleroderma
- How Much Insurance Do I Need If I Have Scleroderma?
- How Should I Pay My Premiums?
- Scleroderma and Burial Insurance Riders
- Information We Need if You Have Scleroderma
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Scleroderma
- What If I Have Been Denied Life Insurance Coverage Because of Scleroderma Complications?
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Scleroderma
What Is My Best Insurance Option If I Have A History Of Scleroderma?
Qualifying for burial insurance with scleroderma will depend on your type of scleroderma and the severity of your condition. Scleroderma on its own is a non-issue to most final expense insurance providers. However, scleroderma complications may affect your eligibility for the best plan.
LOCALIZED SCLERODERMA
The scleroderma is localized on the skin. This type is relatively mild and only affects the skin or muscles. Localized scleroderma is viewed as favorable because it only affects the skin on the hands and face and develops slowly.
You will easily qualify for a level death benefit if you have minimal to moderate scleroderma symptoms. If you have localized scleroderma, you’ll also pay the lowest rate from most final expense companies.
Best Option: Level death benefit plan with first-day coverage
SYSTEMIC SCLERODERMA
This a condition that leads to fibrosis or tissue scarring, damage to blood vessels, and abnormal connective tissue growth in the muscles and joints. It can cause a breakdown in the skin, the tissue under it, muscles, and internal organs such as the lungs, kidneys, heart, and intestinal tract.
Complications from systemic scleroderma can cause difficulty in swallowing, acid reflux (GERD), ulcers, damage to bowel muscles, respiratory muscle weakness, lung scarring, pulmonary fibrosis, and kidney disease.
These complications from systemic scleroderma can make you pay more premiums and possibly result in a waiting period.
Guaranteed issue burial insurance has a two-year graded period for a natural cause of death. If you pass away during the waiting period, the insurance company will return your premiums plus 10% interest to your beneficiaries.
Best Options: Guaranteed issue burial insurance
SCLERODERMA COMPLICATIONS
Scleroderma affects the skin and also the connective tissues and internal organs. Scleroderma may cause different complications that may affect the amount you paid and when your policy will take effect.
Scleroderma complications can range from mild to life-threatening.
BLOOD CLOTS IN FINGERS
Scleroderma can cause blood to clot in the fingers. Some burial insurance companies don’t care about blood clots in the fingers. If you have this condition, we will match you with the company that considers this condition as a non-issue.
Best Option: Level death benefit plan with first-day coverage
GASTROESOPHAGEAL REFLUX DISEASE (GERD)
This can cause heartburn when the food leaks backward from the stomach to the esophagus. If this condition is not controlled, erosive esophagitis, esophageal bleeding, and Barrett’s esophagus may develop. This may lead you to become high-risk life insurance. Uncontrolled GERD will cause you to pay more and have a waiting period.
Best Option: Guaranteed issue burial insurance
AMPUTATION
Scleroderma can damage the fingertips and toes, resulting in ulcers and gangrene that need to be amputated. If you have amputation from scleroderma, guaranteed issue burial insurance will be your only option.
Best Option: Guaranteed issue burial insurance
KIDNEY DAMAGE
Scleroderma may cause high blood pressure, proteinuria, and kidney failure. If you have acute kidney failure from scleroderma, you will need to pay more for the first two years. Once the two years have passed, you can qualify for an immediate benefit. If you have chronic kidney failure, you must take a guaranteed life insurance.
Best Option: Guaranteed issue burial insurance
ORGAN TRANSPLANT
Scleroderma may cause lung complications that may need a lung transplant. If you had been advised to have a lung transplant or an organ transplant, you would only qualify for guaranteed issue burial insurance.
Best Option: Guaranteed issue burial insurance
ARRHYTHMIA & CONGESTIVE HEART FAILURE
These conditions may result from scarring of the heart tissue. If you have an arrhythmia or irregular heartbeat, you can still qualify for immediate coverage. However, if you develop CHF because of scleroderma, you will only qualify for 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
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I Have Scleroderma, 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 scleroderma.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple; 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 Scleroderma
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
Most burial insurance companies don’t ask about scleroderma on their health questionnaire. Scleroderma on its own is a non-issue to most insurance companies if it is localized and does not affect major organs.
If you see an insurance company asks about this condition, you will most likely see them ask about scleroderma this way:
- Have you ever been diagnosed with or been treated for scleroderma?
They rarely ask about scleroderma in the application. But, we will help you find the insurance company that does not ask about scleroderma.
PRESCRIPTION HISTORY CHECK
Burial insurance companies with underwriting also conduct prescription history checks to see what medications you take for scleroderma.
Here’s a list of drugs used to treat scleroderma and its complications:
Skin problem
- Corticosteroid creams (Hydrocortisone, Clobetasol, Betamethasone) these creams are not flagged for life insurance.
Joint or muscle pain
- Nonsteroidal anti-inflammatory meds (NSAIDs) (Aspirin, Ibuprofen, and Naproxen)
- Corticosteroid pills (Prednisone, Prednisolone, Methylprednisolone).
- Taking any of these drugs will not affect your life insurance eligibility. These drugs are a non-issue with life insurance companies.
Raynaud’s phenomenon
- Vasodilators (Hydralazine, Minoxidil) High blood pressure medications to treat scleroderma are okay with life insurance companies and won’t cause you to pay more premiums.
Gastroesophageal Reflux Disease or GERD
- Foaming agents (Gaviscon, Maalox, Mylanta)
- H2 blockers (Tagamet, Pepcid, Zantac)
- Proton pump inhibitors (Aciphex, Prevacid, Prilosec). If scleroderma causes GERD and you’re taking any of these medications, it will not affect how much you pay for life insurance.
Kidney problems
- Angiotensin-converting enzyme (ACE) inhibitor – Benazepril (Lotensin) Enalapril (Vasotec) Captopril. Kidney medications is a non-issue with most burial insurance companies. You will not be penalized for taking these medications.
Systemic Scleroderma
- Immunosuppressant (Mycophenolate, Cyclophosphamide, and Methotrexate). Immunosuppressant medications are used for treating scleroderma and other medical conditions like tissue or organ transplant. This may cause the life insurance agency to charge a higher premium and a waiting period.
How Much Insurance Do I Need If I Have Scleroderma?
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.
Scleroderma 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 others 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-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You Have Scleroderma
Scleroderma can cause severe health problems, so we would like to know which type and complications you have and your overall health condition.
To give you an accurate quote, we must know your medical condition before recommending the type of plan you qualify for.
Here are some common questions we may ask to find you the best-priced plan:
- When were you diagnosed with scleroderma?
- What type of scleroderma do you have?
- What areas of your body are affected by scleroderma?
- What are your symptoms of scleroderma?
- What medications and treatment do you take for scleroderma?
- Have you been hospitalized because of scleroderma?
- What other medical issues do you have?
We are experts in securing affordable burial insurance with scleroderma, and we know which companies will look at your condition favorably. We will evaluate your risk to provide the best company with the best rates.
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 if 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 Scleroderma
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with scleroderma
- Cremation insurance plan with scleroderma
- Funeral home insurance plan with scleroderma
- Final Expense insurance plan with scleroderma
- Prepaid funeral plan insurance with scleroderma
- Mortgage payment protection plan with scleroderma
- Mortgage payoff life insurance plan with scleroderma
- Deceased spouse’s income replacement plan with scleroderma
- Legacy insurance gift plan to family or loved ones with scleroderma
- Medical or doctor bill life insurance plan with scleroderma
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.
What If I Have Been Denied Life Insurance Coverage Because Of Scleroderma Complications?
If you have been rejected for a life insurance policy because of scleroderma complications or anything else, then you should know that life insurance companies underwriting is all different. One may reject your application, and another may underwrite your policy.
If your insurance application was denied in the past because of your medical condition, you should not go without life insurance protection.
The truth is many high-risk life insurance cases like scleroderma are declined for life insurance coverage because you applied to the wrong insurance company, which is when an independent life insurance agency like Funeral Funds can help.
How Can Funeral Funds Help Me?
Finding a policy with Scleroderma needn’t be frustrating; working with an independent life insurance agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the dirty work for you.
We work with many A+ rated insurance carriers that specialize 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 Scleroderma funeral insurance, Scleroderma burial insurance, or Scleroderma 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 With Scleroderma
Can I get life insurance if you have scleroderma?
Yes, you can get first-day coverage life insurance if you have scleroderma. However, severe scleroderma complications may affect your eligibility.
Do I need to take a medical exam if I have scleroderma?
No, you do not need to take a medical exam if you have scleroderma. You can apply for coverage with a no-medical exam life insurance policy.
Can you get first-day coverage insurance if you have scleroderma?
Yes, you can get first-day coverage insurance if you have scleroderma. It’s a non-issue with many life insurance companies that we work with.
What are the chances of getting approved for life insurance with scleroderma?
Your chances of getting approved for life insurance with scleroderma will depend on the severity of your condition. If you have mild to moderate scleroderma, you will often be eligible for first-day coverage. However, if your scleroderma is more severe, you may only qualify for a first-day benefit or guaranteed issue life insurance policy.
Is scleroderma a pre-existing condition for life insurance?
Yes, scleroderma is a pre-existing condition for life insurance. Before applying for life insurance, any medical condition is considered a pre-existing condition.
Do I need to tell insurance about scleroderma?
Yes, you need to tell insurance about scleroderma. You should disclose any medical conditions when applying for life insurance. Failure to do so could result in your policy being denied or canceled.
Can a person with scleroderma get burial insurance?
Yes, a person with scleroderma can get burial insurance. Burial insurance is a type of life insurance that is designed to cover final expenses.
Is there an age limit for burial insurance with scleroderma?
The typical age limit to apply for burial insurance goes up to age 85 years old. Once approved, your policy will last until you are 121 years old.
What are the things that may affect my eligibility if I have scleroderma?
The things that may affect your eligibility if you have scleroderma include any significant health complications associated with your scleroderma, in addition to your overall health.
Is scleroderma a critical illness in life insurance?
No, scleroderma is not a critical illness in life insurance. A critical illness is a medical condition typically more severe than scleroderma and may require hospitalization.
What are the chances of getting approved for life insurance with scleroderma?
You may be eligible for first-day coverage if you have mild to moderate scleroderma. However, if your scleroderma is more severe, you may often qualify for first-day benefits or a guaranteed issue life insurance policy.
Is scleroderma considered a terminal illness?
No, scleroderma is not considered a terminal illness. A terminal illness is a medical condition expected to result in death within a year.
What is the life expectancy after scleroderma?
The life expectancy after scleroderma will depend on the severity of your condition. Most people with scleroderma live for many years after diagnosis. However, some people with severe scleroderma may die from complications of the disease.
Is scleroderma disease a disability?
Scleroderma may be a disability if it causes you to miss work and perform activities of daily living.
What disability category is scleroderma?
The disability category for scleroderma will depend on the severity of your condition. If you are unable to work, you may qualify for Social Security Disability Insurance (SSDI). If you can work, but your earnings are significantly reduced, you may qualify for Supplemental Security Income (SSI).
Can I qualify for cremation insurance with a history of scleroderma?
Yes, you can qualify for cremation insurance with a history of scleroderma. Cremation insurance is a type of life insurance that pays for your cremation and funeral expenses.
What are the chances of getting approved for cremation insurance with scleroderma?
You may be eligible for first-day coverage if you have mild to moderate scleroderma. However, if your scleroderma is more severe, you may qualify for other kinds of cremation insurance.
What is my best insurance option if I have scleroderma?
Your best option is first-day coverage. If you have other significant health conditions, you may qualify for other insurance options through us.
Is scleroderma fatal in life insurance?
Yes, scleroderma can be fatal in life insurance. A severe scleroderma complication can damage your kidneys and can cause you to need a kidney transplant.
What are the benefits of having life insurance with scleroderma?
Life insurance with scleroderma benefits include peace of mind and financial security for your loved ones. If you have a life insurance policy, your loved ones will not have to worry about how they will pay for your funeral and other final expenses.
Can you be denied insurance for scleroderma?
Yes, you can be denied insurance for scleroderma with some insurance companies. We can help you understand your options based on the insurance company’s medical underwriting to determine who will approve or deny your life insurance application.
Is there a waiting period for life insurance with scleroderma?
You will most likely qualify for first-day coverage. However, the severity of your scleroderma condition and its underlying complications may make a first-day benefit or two-year waiting period more appropriate.
Can scleroderma affect your life insurance rates?
Yes, scleroderma can affect your life insurance rates. If you have scleroderma, you will likely pay higher life insurance premiums if you only qualify for a guaranteed issue policy.
Can scleroderma medication affect my premium?
Yes, scleroderma medication can affect your premium. If you are taking medication for scleroderma, you may sometimes pay higher life insurance premiums if you have more extreme physical or medical complications.
Is scleroderma considered an autoimmune disease?
Yes, scleroderma is considered an autoimmune disease. Autoimmune diseases are conditions in which your body attacks itself. Scleroderma causes your body to produce too much collagen, which can lead to thickening and hardening of the skin.
What are the premiums for burial insurance with scleroderma?
The premiums for burial insurance with scleroderma will depend on the severity of your condition. If you have mild scleroderma, you will often be eligible for first-day coverage. However, if your scleroderma is more severe, you may qualify for first-day benefits or a guaranteed issue life insurance policy.
How do you get life insurance after a scleroderma diagnosis?
After you are diagnosed with scleroderma, you will want to contact one of our qualified life insurance agents and ask about the underwriting guidelines for scleroderma and how best to apply for life insurance.
What is the average cost of life insurance for someone with scleroderma?
The average cost of life insurance for someone with scleroderma will depend on your age and the severity of your condition.
Can scleroderma patients get final expense insurance?
Yes, scleroderma patients can get final expense insurance. Final expense insurance is a type of life insurance that is designed to cover your funeral and other end-of-life expenses.
Is scleroderma a terminal illness?
No, scleroderma is not a terminal illness. However, scleroderma can lead to complications that can be fatal if left untreated.
Is scleroderma covered by a critical illness rider?
No, scleroderma is not covered by a critical illness rider. A critical illness rider is an insurance policy add-on that provides coverage for specific illnesses like cancer or heart disease.
Can scleroderma affect life insurance?
Yes, scleroderma can affect life insurance. Scleroderma is a chronic condition that can lead to fatal complications. As a result, you may pay higher life insurance premiums or be denied coverage altogether for life-threatening medical conditions.
Can you be rejected for life insurance because of scleroderma?
Yes, you can be rejected for life insurance because of scleroderma. Scleroderma is a chronic condition that can lead to fatal complications. As a result, insurance companies may view you as too high of a risk and deny your life insurance application.
What is the best insurance option for people with scleroderma?
The best insurance option for people with scleroderma will depend on the severity of your condition. One of our underwriters will be able to assist you in finding the best insurance option for your needs.
How can you get the best life insurance rates with scleroderma?
The best way to get the best life insurance rates with scleroderma is to work with one of our qualified life insurance agents. They will be able to help you understand the underwriting guidelines for scleroderma and how to best apply for life insurance.
What are the best life insurance companies for scleroderma?
The best life insurance companies for scleroderma will depend on the severity of your condition.
What are some tips for getting life insurance with scleroderma?
Some tips for getting life insurance with scleroderma include:
- Work with a qualified life insurance agent
- Understand the underwriting guidelines for scleroderma
- Apply for life insurance as soon as possible
- Be honest about your condition on your life insurance application
