2024 Burial Insurance with Fatty Liver Disease
last updated on July 22, 2024Finding the most affordable burial insurance with fatty liver disease is easier than you think. In fact, some companies will offer you first-day benefits if you have this condition.
We can point you in the right direction to get affordable coverage and help you get approved much faster and more conveniently than doing the process on your own. It’s going to be a big time-saver for you!
Keep reading because, in this article, we will going to explore how companies underwrite fatty liver disease applicants and what affordable options are open for you if you have this condition.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Fatty Liver Disease?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Fatty Liver Disease, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Fatty Liver Disease
- How Much Insurance Do I Need If I Have Fatty Liver Disease?
- How Should I Pay My Premiums?
- Fatty Liver Disease and Burial Insurance Riders
- Finding Affordable Burial Insurance with Fatty Liver Disease
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Fatty Liver Disease
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance With Fatty Liver Disease
What Is My Best Insurance Option If I Have A History Of Fatty Liver Disease?
NONALCOHOLIC FATTY LIVER DISEASE
If you have nonalcoholic fatty liver disease, your best option for insurance coverage is a first-day benefit plan. You will be covered from the first day, but your death benefit payout will be phased in over time.
CIRRHOSIS DUE TO FATTY LIVER DISEASE
If you have alcohol-related fatty liver disease or your fatty liver disease turned into liver cirrhosis, your best option for insurance coverage is a first-day benefit plan.
FATTY LIVER DISEASE DUE TO ALCOHOL ABUSE
If your fatty liver disease is caused by alcohol abuse, the insurance company will treat you differently than those with simple fatty liver disease. Alcoholics are considered high-risk applicants because of risky behavior like drinking and driving.
If your alcohol abuse occurred within the last 24 months
Alcohol abuse is a knockout condition for most insurance companies. If your alcohol-related fatty liver is very recent or within the previous 24 months, and you continue to use alcohol, a guaranteed issue whole life insurance policy is your best option for coverage. No life insurance company will offer you a first-day coverage plan.
A guaranteed issue whole life insurance with no health questions means you will not have to submit your medical records. The application process is simple, and instantly approvals or between 24 to 48 hours.
If your alcohol abuse recommendation for treatment or treatment is beyond 24 months
Many life insurance carriers will allow you to qualify for a first-day benefit plan if it has been longer than 24 months since you have undergone treatment. The first-day benefit plan offers first-day coverage, with the death benefit phased in over time.
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 Fatty Liver Disease, Do I Need A Medical Exam To Qualify For Burial Insurance?
When you apply for burial, funeral, or final expense insurance, you don’t have to take a medical exam. You only have to answer a few questions about your health.
The application process is pretty straightforward, and you don’t need to provide your medical records or urine and blood samples.
You’ll get the official approval from the insurance company often within minutes!
Burial Insurance Underwriting If You Have Fatty Liver Disease
Life insurance companies will attempt to know about your general health by asking health questions on the application and by checking your prescription history.
HEALTH QUESTIONS
Burial insurance companies with underwriting ask about fatty liver disease in different ways. Some will ask if you have ever had a liver disease at any point in your life, while others will ask if you have or have been treated for fatty liver disease within several years.
Here are some ways you will see liver disease asked in the health questions:
- Have you ever had or been treated for any liver disease?
- Have you ever had or been treated for liver disease in the last 24 months?
The life insurance company is only interested to know if you have any form of liver disease.
You will need to answer YES to this liver disease question, whatever type of fatty liver disease you may have.
PRESCRIPTION HISTORY CHECK
The life insurance company will attempt to find out about your medical issues by asking health questions and checking your prescription history. Taking medications for fatty liver disease won’t make a difference because there are no specific drugs flagged for fatty liver disease.
There are no FDA-approved medications for fatty liver today. The two best drug options affirmed by the American Association for the Study of Liver Disease are vitamin E, an antioxidant, and pioglitazone, which is used to treat diabetes.
Prescription medications for fatty liver disease are also used to treat other health conditions like diabetes. This is why life insurance companies can’t determine if you have a fatty liver disease just by checking your prescription history. They generally know about your condition based on your answers to the health questions.
How Much Insurance Do I Need If I Have Fatty Liver 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.
Fatty Liver 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 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-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Finding Affordable Burial Insurance With Fatty Liver Disease
If you need burial insurance with fatty liver disease, one of the most important steps you can take toward getting the lowest premium is to work with a qualified independent life insurance agency life Funeral Funds that specialize in getting life insurance for high-risk clients.
We work with many A-rated companies in the market. We can shop for you, and this will increase your chances of getting affordable coverage.
We know the different life insurance underwriting requirements for fatty liver disease. We also know the best life insurance companies and the most affordable options for your medical condition. We will assist you in obtaining the insurance coverage you need with a premium within your budget.
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 Fatty Liver Disease
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with fatty liver disease
- Cremation insurance plan with fatty liver disease
- Funeral home insurance plan with fatty liver disease
- Final Expense insurance plan with fatty liver disease
- Prepaid funeral plan insurance with fatty liver disease
- Mortgage payment protection plan with fatty liver disease
- Mortgage payoff life insurance plan with fatty liver disease
- Deceased spouse’s income replacement plan with fatty liver disease
- Legacy insurance gift plan to family or loved ones with fatty liver disease
- Medical or doctor bill life insurance plan with fatty liver 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?
If you have a health history of fatty liver disease, let us help you; we will work with you side by side to find a plan that fits your needs.
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 fatty liver disease funeral insurance, fatty liver disease burial insurance, or fatty liver 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 Fatty Liver Disease
Can I get life insurance with fatty liver disease?
Yes, you can get life insurance with fatty liver disease. Your life insurance eligibility will depend on your fatty liver type and any past alcohol abuse.
Is fatty liver disease a pre-existing condition for life insurance?
Yes, fatty liver disease is a pre-existing condition for life insurance.
Do I need to tell insurance about fatty liver disease?
You will need to tell your insurance company about your fatty liver disease when applying for life insurance. Your insurance company may ask for medical records and/or require a doctor’s note.
Can I get life insurance with no medical exam if I have fatty liver disease?
Yes, you can get life insurance with no medical exam.
Will my life insurance rates go up if I have fatty liver disease?
Your life insurance rates may go up if you have fatty liver disease. Your rates will depend on the type of fatty liver you have, your current or past alcohol consumption, and your overall health.
Is there a life insurance policy for people with fatty liver disease?
Yes, there are life insurance policies for people with fatty liver disease.
Can a person with fatty liver disease get burial insurance?
Yes, a person with fatty liver disease can get burial insurance. Burial insurance is a type of whole life insurance that does not require a medical exam.
Do I need to take a medical exam if I have fatty liver disease?
No, you do not need to take a medical exam if you have fatty liver disease.
Is there an age limit for burial insurance with fatty liver disease?
Most life insurance companies accept applicants who are 18-85 years old.
Can fatty liver disease be considered a critical illness in life insurance?
Yes, fatty liver disease can be considered a critical illness in life insurance.
Is fatty liver disease considered a terminal illness?
No, fatty liver disease is not considered a terminal illness.
Can I get life insurance if I have had a liver transplant?
Yes, you can get life insurance if you have had a liver transplant. Your life insurance eligibility will depend on your overall health and the reason for your transplant.
Can you get first-day coverage insurance if you have fatty liver disease?
Yes, you can get first-day coverage insurance if you have fatty liver disease. First-day insurance is a type of life insurance that does not require a medical exam.
What are the things that may affect my eligibility if I have fatty liver disease?
The things that may affect your eligibility if you have fatty liver disease are your type of fatty liver, alcohol abuse, and your overall health.
What is the life expectancy after fatty liver disease?
The life expectancy after a fatty liver disease diagnosis is variable and depends on the type of fatty liver you have, your alcohol consumption, and your overall health.
Is fatty liver considered a disability?
No, fatty liver is not considered a disability.
Which insurance is best for patients with fatty liver disease?
There is no one “best” insurance for patients with fatty liver disease. Your life insurance eligibility will depend on your type of fatty liver, alcohol abuse, and overall health.
Can I qualify for cremation insurance with a history of fatty liver disease?
Yes, you can qualify for cremation insurance with a history of fatty liver disease.
What are the chances of getting life insurance if you have fatty liver disease?
Your chance of getting life insurance is good. There are different insurance options available for people who have fatty liver disease.
How do you get life insurance after a fatty liver disease diagnosis?
You can get life insurance after a fatty liver disease diagnosis by applying for a policy that does not require a medical exam.
What is my best insurance option if I have fatty liver disease?
There is no one “best” insurance option for people with fatty liver disease. Speak with a qualified agent to know your option.
Is fatty liver disease fatal in life insurance?
No, fatty liver disease is not fatal in life insurance.
Can you be denied insurance for fatty liver disease?
Yes, you can be denied insurance for fatty liver disease. If your fatty liver disease is caused by alcohol abuse and you are currently abusing alcohol.
Is there a waiting period for life insurance with fatty liver disease?
There is no waiting period for life insurance with fatty liver disease.
How long does it take to get life insurance with fatty liver disease?
The process of getting life insurance with fatty liver disease depends on the type of policy you apply for. If you apply for a policy that does not require a medical exam, you can get coverage in as little as 24 hours.
Can nonalcoholic fatty liver disease affect your life insurance rates?
Yes, nonalcoholic fatty liver disease can affect your life insurance rates.
Can fatty liver disease medication affect my premium?
Yes, fatty liver disease medication can affect your premium.
Can you get life insurance if you have cirrhosis caused by a fatty liver?
Yes, you can get life insurance if you have cirrhosis caused by a fatty liver.
What are the premiums for burial insurance with fatty liver disease?
The premiums for burial insurance with fatty liver disease will depend on your age, gender, health, and the type of policy you choose.
Can fatty liver disease patients get final expense insurance?
Yes, fatty liver disease patients can get final expense insurance.
Is fatty liver disease covered by a critical illness rider?
Yes, fatty liver disease may be covered by a critical illness rider with some plans.
What riders can I get with my life insurance policy if I have fatty liver disease?
The riders available to you will depend on your life insurance company and the type of policy you apply for. Some riders that may be available to you are the waiver of premium rider, accelerated death benefit rider, and critical illness rider.
Is fatty liver a big deal in insurance?
No, fatty liver is not a big deal with some insurance companies.
Can fatty liver disease affect life insurance?
Yes, fatty liver disease can affect life insurance.
Can you be rejected for life insurance because of fatty liver disease?
Yes, you can be rejected for life insurance because of fatty liver disease.
How can you get the best life insurance rates with fatty liver disease?
The best way to get the best life insurance rates with fatty liver disease is to work with a qualified insurance agent who can compare rates for you.
What is the best insurance option for people with fatty liver disease due to alcohol?
The best insurance option for people with fatty liver disease due to alcohol is to work with a qualified insurance agent who can help you find a policy that fit your needs.
What is the average cost of life insurance for someone with fatty liver disease?
The average cost of life insurance for someone with fatty liver disease will depend on your age, gender, location, coverage, and health.
What are the best life insurance companies for fatty liver disease?
The best life insurance companies for fatty liver disease are the ones that offer the first-day benefits at the most affordable rates.
What are the different types of insurance available for someone with fatty liver disease?
The different types of insurance available for someone with fatty liver disease are term life insurance, whole life insurance, and burial insurance.
What are some tips for getting life insurance with fatty liver disease?
Some tips for getting life insurance with fatty liver disease are to work with a qualified insurance agent to compare rates and choose a policy that fits your compare rates, to choose a policy that best fits your needs, and to be honest about your health.
