Getting affordable burial insurance with Graves’ disease is possible. Most burial insurance companies don’t even ask or care about this condition.
Once diagnosed, Graves’ disease can be easily managed by either prescribing radioactive iodine or other medications, which will help control the over-productive thyroid gland.
Your doctor may also recommend removing the thyroid gland. Either way, Graves’ disease is not a major medical concern for burial insurance companies.
Fortunately, when managed well, Graves’ disease does not significantly affect your chances of qualifying for the best plan and the best rate.
When it comes to Graves’ disease, some life insurance companies have a more negative view of Graves’ disease. This will raise your premiums, so we don’t recommend you buy policies through some companies.
We work with insurers that don’t even care if you have Graves’ disease. The advantage of working with Funeral Funds is that we compare the different life insurance companies and find the ones that will give you the lowest rates and first-day coverage. In this article, we’ll explain how that works.
GRAVES’ DISEASE AND BURIAL INSURANCE
Graves’ disease is an autoimmune disorder that results when the immune system mistakenly attacks the healthy thyroid tissue, causing one to have an overactive thyroid gland. Graves’ disease is a common cause of hyperthyroidism.
According to the National Institutes of Health, more than 1% of the U.S. population is affected by Graves’ disease, and women are more likely to suffer from this condition than men.
Notable people who suffer from Graves’ disease include Oprah Winfrey, Missy Elliot, Faith Ford, Hillary Clinton, and former president George H. W. Bush.
The success of Graves’ disease treatments is great news for patients looking for life insurance. As long as Graves’ disease is your only health issue, and you are otherwise healthy, life insurance carriers will not consider your condition a high risk.
Fortunately, the majority of people with Graves’ disease are in the clear. As long as it’s treated successfully, this condition will not lower your life expectancy and will not pose an issue in the underwriting for burial insurance.
If Graves’ disease is your only health issue, you’re in a great position to qualify for first-day coverage burial insurance and the lowest rates.
Even if you have had a thyroidectomy, you will not have any issues in getting a policy.
Most burial insurance companies should approve you for first-day coverage. This means there will be no waiting period on your plan, and you will be able to qualify for their lowest premium.
If you have Graves’ disease and looking for a life insurance policy, we work with companies that will accept you with first-day coverage that comes with the lowest pricing.
You can qualify for a burial insurance policy if you are between the ages of 50 to 80.
You won’t need to go through a medical exam to be eligible for burial insurance. Life insurance providers don’t require a blood or urine sample to qualify.
You will only need to answer a few easy health questions to qualify for the lowest rates.
Fill up our instant QUOTE box to get a quote for no exam policy.
UNDERWRITING BURIAL INSURANCE WITH GRAVES’ DISEASE
The insurance companies will generally ask you some health questions as part of the underwriting to determine your level of risk.
They will want to know about your Graves’ disease, but there will be no medical exam needed.
Instead of a Medical exam, the insurance company will simply check your:
- Prescription medication check through Rx database
- Medical history check through the Medical Information Bureau
Depending on the company, they may issue a decision immediately right over the telephone.
Review any health questions carefully if you see a question that asks if you ever have an immune system disorder. If that’s a yes, you should answer yes because Graves’ disease is an autoimmune disorder. If you have had a thyroidectomy, you should respond yes to the surgery question.
Don’t try to hide your medical condition. Burial insurance companies generally have very lenient underwriting for this health issue. Most people with health issues and medications will still qualify for the best pricing.
Some companies treat Graves’ disease as a high-risk condition if you have a prescription medication history with radioactive iodine, Propylthiouracil or Methimazole use. If they find those medications in your prescription history, they will either deny your application or impose a waiting period on your plan.
We work with burial insurance companies that don’t even care about Graves’ disease or Graves’ disease medication if they are considered maintenance meds.
The insurance company would rather see you on medications that will help prevent health problems in the future. So, don’t feel bad if you’re taking any of these medications. A well-managed Graves’ disease or hyperthyroidism does not pose a serious concern in burial insurance underwriting.
As much as possible, avoid the companies that ask about Graves’ disease or thyroid surgery in their health questionnaire. We work with dozens of life insurance carriers, and we can point you those insurers that don’t care about Graves’ disease.
FACTORS THAT MAY AFFECT ELIGIBILITY
If you have Graves’ disease, there is only one thing that may affect your life insurance eligibility. The time since you had a thyroidectomy (a surgical procedure to remove the thyroid gland) may affect the type of plan you will qualify for.
If your thyroidectomy were over 12 months ago, most insurance companies would look at your surgery as if you never had it.
Most people looking for affordable burial insurance after getting thyroidectomy are happy to find out that many companies will offer first-day coverage.
If you have a recent thyroidectomy (less than 12 months), some insurance companies that care about surgeries and hospitalization will give you a higher monthly premium and a waiting period.
Many people looking for burial insurance with thyroidectomy feel that insurance will cost an arm and a leg. Don’t worry about this at all!
There are options available if you are looking for burial insurance with Graves’ disease. We will help you locate the insurance companies that will not ask about surgery or hospitalization in the last 12 months for you to qualify for first-day coverage and lowest premium.
IMPORTANT – You don’t have to settle to those burial insurance policies you see advertised on TV and in magazines when shopping for burial insurance with Graves’ disease.
All final expense insurance companies look at specific health issues and medical conditions differently. Most people don’t have the time or the patience to shop around with 20+ different life insurance carriers to find which policy is best for them.
The key is to get the companies that will view your Graves’ disease and thyroidectomy most favorably. Those companies that look at your Graves’ disease surgery more favorably will give you the best premium, without requiring a two-year waiting period for your protection to start.
Do not be concerned if you were denied life insurance in the past because we at Funeral Funds will show you how we have helped our clients with the same condition.
BURIAL INSURANCE WITH GRAVE’S DISEASE
LEVEL DEATH BENEFIT
If you have Graves’ disease, we have companies that will accept you with a level death benefit or first-day coverage plan. It does not have a waiting period and comes with the lowest rates.
The life insurance death benefit amount will be the same throughout the life of the policy. Your beneficiary will receive 100% of the amount when you pass away for any reason.
Graves’ disease on its own will not create an issue with the insurer unless you have other significant medical conditions that may prevent you from qualifying for a level death benefit plan.
With a level death benefit plan, whatever happens to you, as long as you pay your premiums on time, your beneficiaries are sure to receive a death benefit payout when you die.
Level death benefit plan comes with the following guarantees:
- Ease of issue – no medical exams.
- Immediate coverage – you are 100% protected from the first day the policy is in force with no exclusions and no waiting period.
- Level premiums – your monthly insurance bill is fixed; it will never increase. It is lock-in to a rate at your current age and will never go up regardless of your advancing age or health condition.
- Fixed death benefit amount – the death benefit is fixed and guaranteed never to decrease regardless of age and changes in health.
- Non-cancelable – your insurance policy will never be canceled by the company as long as you pay your premiums on time.
- Builds cash value – whole life insurance has a cash value component that increases over time.
- Tax-free – your beneficiary will receive the 100% death benefit tax-free.
HOW TO GET THE BEST BURIAL INSURANCE RATES WITH GRAVES DISEASE?
Looking for the best rates for burial insurance with Graves’ disease will be easy if you allow us to help you!
The best way to find the best burial insurance rates with Graves’ disease is to work with an independent burial insurance agency like Funeral Funds that have access to different A-rated insurance companies. We work with different companies that look at Graves’ disease favorably.
We can help you find the right insurance company. Finding the right insurance company can help you save thousands on premiums over the life of the policy.
There is no reason to shop on your own and waste your precious time calling the different life insurance companies. If you’re ready to find the right type of protection within your budget, just use the instant QUOTE form on this page.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy if you have a Graves’ disease needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of Graves’ disease, let us help you; we will work with you side by side to find a plan that fits your needs.
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 will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will 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 Graves disease funeral insurance, or Graves’ disease burial insurance, or Graves’ 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.