2024 Burial Insurance with Crohn’s Disease
last updated on November 21, 2024Burial insurance with Crohn’s disease is possible. While Crohn’s disease is a chronic medical condition, there are affordable options to get life insurance protection for your family.
Crohn’s disease is not a major issue with almost every burial insurance company, so you having Crohn’s disease will rarely affect your eligibility.
This article will examine the burial insurance with Crohn’s disease underwriting guidelines and the different life insurance options open for you.
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What Is My Best Insurance Option If I Have A History Of Crohn’s Disease?
Some life insurance providers are not concerned with Crohn’s disease. They don’t ask about it in their health questions on the application. Their easy underwriting allows people with Crohn’s disease to get level death benefit with first-day coverage, no waiting period, and the lowest pricing the company can offer.
Level death benefit plans are straightforward and provide full death benefits from the first day of the policy.
Crohn’s disease will not create an issue unless your condition is so severe that you are hospitalized and recommended for surgery, or you have other health conditions that may prevent you from qualifying for first-day coverage.
Best Option: Level death benefit plan with first-day coverage
OTHER FACTORS THAT MAY AFFECT ELIGIBILITY
The only time Crohn’s disease will be a problem in getting first-day coverage is when it is paired with other medical conditions that could not qualify for a level death benefit plan.
It’s estimated that 70% of Crohn’s disease patients will need colectomy or colon resectioning surgery at some point in their life. Surgery may be required if you develop a fistula or fissure. Also, if you develop an obstruction or experience worsening symptoms that require resection.
- If your surgery (colectomy) were within the last 24 months, insurance providers would require two years to pass before they give you a level death benefit plan. The actual time will depend on the company’s requirements, but most will want two years to see how successful the colectomy was and if there are any complications.
- If you’ve been hospitalized and had surgeries in the last 24 months, your condition will be considered severe by most life insurance companies.
- Suppose your biopsy shows dysplasia or inflammation of the liver (sclerosing cholangitis). In that case, you will be declined by every traditional life insurance company, and your only option for coverage is guaranteed issue burial insurance.
Suppose you have been diagnosed, received treatment, or are advised to receive treatment and medication for more severe health issues. In that case, your best burial 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
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, 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 Crohn’s disease.
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 Crohn’s Disease
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.
Burial insurance doesn’t require medical exams, but they ask health questions on the application. The health questions contain knockout questions. If you answer yes, your application will be denied.
HEALTH QUESTIONS
You will hardly see Crohn’s disease asked in the health questions on the application. Since insurance companies don’t ask about Crohn’s disease in the health questions, your application will be denied only if you answered yes to a different knockout question associated with Crohn’s disease or other medical conditions you may have.
It is important to understand that if an insurance company does not ask about a specific medical condition like Crohn’s disease, they accept this condition. Your application will be quickly approved if you have no other health issues besides Crohn’s disease.
PRESCRIPTION HISTORY CHECK
Burial insurance companies will perform a prescription history check to look for medications you are taking and for what conditions.
Common medications for Crohn’s disease include:
- Balsalazide (Colazal, Giazol)
- Mesalamine (Asacol, Lialda, Pentasa
- Olsalazine (Dipentum)
- Sulfasalazine
If you have Crohn’s disease when you apply for burial insurance and take any of these drugs, you don’t need to worry because it will not affect your life insurance eligibility. Taking any of these medications for Crohn’s disease won’t keep you from obtaining the best policy.
Immunosuppressant drugs prescribed for Crohn’s disease:
- Azathioprine (Azasan, Imuran)
- Cyclosporine
- Mercaptopurine (6MP, Purinethol)
- Methotrexate (MTX, Rheumatrex, Trexall)
- Tacrolimus (Prograf)
These drugs are used to stop the immune system from causing inflammation and are a common treatment for an organ transplant. Most insurance companies often red flag these drugs because organ transplant is a knockout condition.
THE EFFECT OF CROHN’S DISEASE ON BURIAL INSURANCE ELIGIBILITY
Life insurance companies will look at your Crohn’s disease as part of your overall health to determine what plan you will qualify for and the amount you need to pay.
Studies show that people with Crohn’s disease have a 73% higher mortality rate than the general population.
Crohn’s disease is a chronic medical condition that is usually not fatal. That’s why applicants with this disease can still qualify for life insurance. It is only when Crohn’s disease is severe that surgery is recommended that the applicant’s application is considered high-risk because it can lead to other serious health risks.
Most of the time, underwriters are concerned about fistulas, abscesses, obstructions, perforations, the risk of colorectal cancer, and any surgery performed.
Crohn’s disease can be life-threatening; some insurance companies consider it a high-risk condition affecting life insurance eligibility.
Underwriters review the type of surgery, time since surgery, current symptoms, and other factors in determining the plan you will be eligible for, and your rate.
How Much Insurance Do I Need If I Have Crohn’s Disease?
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.
Crohn’s Disease 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 Crohn’s Disease
When you reach us regarding buying burial insurance with Crohn’s disease, we will ask you a few health questions to better understand your current medical condition. These questions may include:
- When were you diagnosed with Crohn’s disease?
- When did you last have symptoms of Crohn’s Disease?
- How many episodes have you had over the past 24 months?
- Have you ever been hospitalized because of Crohn’s disease?
- Are you taking any medications for your condition?
- Has surgery ever been recommended for your condition, and have you ever had any surgical treatment?
- What type of surgery and when was the operation completed?
- Do you have other medical conditions or hospitalizations for other conditions?
Your answers to these health questions will aid us in determining the type of burial insurance plan you qualify for and how much life insurance companies will charge you.
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 Crohn’s Disease
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with Crohn’s disease
- Cremation insurance plan with Crohn’s disease
- Funeral home insurance plan with Crohn’s disease
- Final Expense insurance plan with Crohn’s disease
- Prepaid funeral plan insurance with Crohn’s disease
- Mortgage payment protection plan with Crohn’s disease
- Mortgage payoff life insurance plan with Crohn’s disease
- Deceased spouse’s income replacement plan with Crohn’s disease
- Legacy insurance gift plan to family or loved ones with Crohn’s disease
- Medical or doctor bill life insurance plan with Crohn’s disease
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?
Finding a policy if you have Crohn’s disease needn’t be frustrating; working with an independent 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 anymore 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 Crohn’s disease funeral insurance, Crohn’s disease burial insurance, or Crohn’s disease 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 Crohn’s Disease
Can I get life insurance if you have Crohn’s disease?
Yes, you can still get life insurance, even if you have Crohn’s disease. Most people with Crohn’s qualify for a first-day coverage plan. The only thing that may affect your eligibility is if you have had a recent surgery or hospitalization.
Do I need to take a medical exam if I have Crohn’s disease?
No, you don’t need to take a medical exam if you have Crohn’s disease. You can apply for a no medical exam life insurance policy.
Is Crohn’s disease considered a pre-existing condition?
Yes, Crohn’s disease is considered a pre-existing condition. However, that doesn’t mean you won’t be able to get life insurance. Many life insurance companies will still offer you coverage.
Do I need to tell insurance about Crohn’s disease?
You need to tell your life insurance company about Crohn’s disease. This is because it is a pre-existing condition. All life insurance companies will need to know about your condition to give you an accurate quote.
Can you get first-day coverage insurance if you have Crohn’s disease?
Yes, you can still get first-day coverage insurance even if you have Crohn’s disease. Most people with Crohn’s qualify for a first-day coverage plan with us. The only thing that may affect your eligibility is if you have a recent surgery or hospitalization.
Is there an age limit for burial insurance with Crohn’s disease?
Most life insurance companies accept applicants who are 18-85 years old for coverage that lasts until age 121 years old.
Can a person with Crohn’s disease get burial insurance?
Yes, a person with Crohn’s disease can get burial insurance. Burial insurance is a type of life insurance specifically covering funeral costs. Most life insurance companies offer burial insurance policies.
Is Crohn’s classed as a critical illness?
No, Crohn’s disease is not classed as a critical illness. A critical illness is a specific type of condition covered by some life insurance policies. Critical illness policies do not typically cover Crohn’s disease.
What are the things that may affect my eligibility if I have Crohn’s disease?
If you have Crohn’s disease, the only major thing that may affect your eligibility is if you have a recent surgery or hospitalization.
What is the life expectancy after Crohn’s disease?
The life expectancy after Crohn’s disease is typically the same as the general population. Most people with Crohn’s disease live a normal, healthy life.
Is Crohn’s disease a disability?
No, Crohn’s disease is not a disability. A disability is a condition that prevents you from working. Crohn’s disease does not typically prevent people from working.
I have Crohn’s disease, can I still get life insurance?
Yes, you can still get life insurance, even with Crohn’s disease. Most people with Crohn’s qualify for a first-day coverage plan with us.
Is Crohn’s a hidden disability?
Yes, Crohn’s disease is a hidden disability. A hidden disability is a condition that is not immediately apparent. Crohn’s disease is a hidden disability because it is an internal condition.
Can I qualify for cremation insurance with a history of Crohn’s disease?
Yes, you can still qualify for cremation insurance even if you have a history of Crohn’s disease. Cremation insurance is a type of life insurance specifically covering cremation costs. All the life insurance companies we work with offer cremation insurance policies.
Which insurance is best for patients with Crohn’s disease?
There is no one “best” insurance for patients with Crohn’s disease. Every person’s situation is different. You will need to talk to an insurance agent to determine which policy is best for you.
Is Crohn’s disease considered a terminal illness?
No, Crohn’s disease is not considered a terminal illness. A terminal illness is a condition expected to result in death within a year. Crohn’s disease is not typically a fatal condition.
How do you get life insurance after a Crohn’s disease diagnosis?
Working with a qualified insurance agent can get life insurance after a Crohn’s disease diagnosis. Insurance agents can help you find a policy that fits your needs and budget.
What is my best insurance option if I have Crohn’s disease?
A first-day coverage plan is the best option for most people with Crohn’s disease. First-day coverage plans are available through us with most of the life insurance companies we work with.
Is Crohn’s disease fatal in life insurance?
No, Crohn’s disease is not a fatal condition in life insurance.
Can you be denied insurance for Crohn’s disease?
No, you cannot be denied insurance for Crohn’s disease. You can still get a first-day benefit plan if you have had surgery to treat your condition.
Is there a waiting period for life insurance with Crohn’s disease?
There is no waiting period for life insurance with Crohn’s disease in most cases. You can often get a first-day benefit plan, even if you have had surgery to treat your condition.
Can Crohn’s disease affect your life insurance rates?
No, Crohn’s disease generally does not affect your life insurance rates. Life insurance rates are based on your age, gender, health history, and smoking status. Crohn’s disease will often not affect your life insurance rates unless you have had recent severe complications.
Can Crohn’s disease medication affect my premium?
No, Crohn’s disease medication will often not affect your premium. Your premium is based on your age, gender, health history, and smoking status.
What are some things to remember when getting life insurance with Crohn’s disease?
Some things to remember when getting life insurance with Crohn’s disease include:
- Always work with a qualified and knowledgable insurance agent
- Get a first-day coverage plan
- Remember that Crohn’s disease will often not affect your life insurance rates
What is the life expectancy of someone with Crohn’s disease?
The life expectancy of someone with Crohn’s disease is the same as someone without the condition. Crohn’s disease is rarely a fatal condition.
What are the premiums for burial insurance with Crohn’s disease?
The premiums for burial insurance with Crohn’s disease are the same as any other life insurance policy. Burial insurance is a type of life insurance specifically covering burial costs. Most life insurance companies offer burial insurance policies.
Is Crohn’s autoimmune in life insurance?
Yes, Crohn’s disease is considered an autoimmune condition in life insurance. Autoimmune conditions are conditions where the body attacks itself.
What is the average cost of life insurance for someone with Crohn’s disease?
The average cost of life insurance for someone with Crohn’s disease is often the same as any other life insurance policy. The insurance cost will depend on your age, gender, health, and coverage amount.
Can Crohn’s disease patients get final expense insurance?
Yes, Crohn’s disease patients can get final expense insurance. Final expense insurance is a type of life insurance that is specifically for covering burial costs. Most life insurance companies offer final expense policies for people with Crohn’s disease.
Is Crohn’s disease covered by a critical illness rider?
Yes, Crohn’s disease is often covered by a critical illness rider. A critical illness rider is an add-on to a life insurance policy that pays a benefit if you are diagnosed with a critical illness.
Can Crohn’s disease affect life insurance?
Crohn’s disease may affect your life insurance eligibility only when you have had a recent surgery or hospitalization to treat this condition.
Can you be rejected for life insurance because of Crohn’s disease?
No, you cannot be rejected for life insurance because of Crohn’s disease.
What is the best insurance option for people with Crohn’s disease?
The best insurance option for people with Crohn’s disease is a first-day coverage plan. A first-day coverage plan is a type of life insurance that does not require a medical exam.
What are the best life insurance companies for Crohn’s disease?
The best life insurance companies for Crohn’s disease are the same as any other life insurance company. The best life insurance companies are those that offer first-day coverage plans.
How can you get the best life insurance rates with Crohn’s disease?
There are a few things you can do to get the best life insurance rates with Crohn’s disease:
- work with a qualified insurance agent,
- get a first-day coverage plan,
- remember that Crohn’s disease will not affect your life insurance rates.
