Burial Insurance with Sarcoidosis

Burial-Insurance-with-Sarcoidosis

Burial insurance with sarcoidosis is possible. The truth is sarcoidosis is not an issue with most insurance providers. In fact, you will hardly see them asking about it in their health questions on the application.

So, if you have sarcoidosis and have no other significant medical conditions, you will be quickly approved for coverage.

This article will explore the different life insurance options you can take if you have sarcoidosis and how to find the lowest rates.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF SARCOIDOSIS?

The type of burial insurance with sarcoidosis you will qualify for will depend on the severity of your condition.

MILD SARCOIDOSIS

Mild sarcoidosis is never a severe medical condition because it usually goes away on its own. Typically, treatment is minimal and may consist of only taking a few medications as prescribed. Because of its treatability, most life insurance providers consider mild sarcoidosis as low risk.

Having mild sarcoidosis qualifies you for first-day coverage with most life insurance companies.

The level death benefit is the best policy option because it offers the most substantial death benefit, and it has no waiting period. This is the policy we always try to get our clients.

Best Option: Level death benefit plan with first-day coverage


MODERATE SARCOIDOSIS

Moderate sarcoidosis requiring minimal treatment may qualify you for first-day full coverage with some burial insurance companies.

If you have no other health problems, there is an excellent chance of qualifying for the lowest rate. You must show that your sarcoidosis went away, or you’re only taking minimal treatment. 

As a standalone medical condition, Sarcoidosis will not create an issue, especially if it’s mild to moderate unless you have other health conditions that may prevent you from qualifying for first-day full coverage.

Best Option: Level death benefit plan with first-day coverage


SEVERE SARCOIDOSIS

Sarcoidosis patients with severe symptoms or complications because of this condition will be offered guaranteed issue burial insurance. This is also the plan you will likely be offered if your sarcoidosis is under control, but you have other severe health problems.

It’s quite rare to be offered a guaranteed issue policy for sarcoidosis. You must have a severe complication like supplemental oxygen use or needing help with activities of daily living to qualify for GI policy.

As with all qualification requirements for burial insurance, it all comes down to your overall health and potential complications.

If you are a U.S citizen or permanent resident between the ages of 40 to 85, you can be eligible for guaranteed issue burial insurance.

Guaranteed issue burial insurance comes with a graded death benefit that imposes a two-year waiting period. You will need to live two years before being fully covered for the natural cause of death. GI policy will only pay full death benefit during the waiting period for accidental death.

Best Options: Guaranteed issue burial insurance


SARCOIDOSIS AND SUPPLEMENTAL OXYGEN

In most cases, sarcoidosis develops in the lungs, and patients have difficulty breathing, and their doctor prescribed supplemental oxygen. Every life insurance company asks about supplemental oxygen in the health questionnaire. There is only one exception, and that is the use of supplemental oxygen for sleep apnea.

You will typically see supplemental oxygen asked this way:

“Within the previous 12 months, have you been advised to use supplemental oxygen to assist with breathing (excluding use for sleep apnea).”

It will be challenging to qualify for a level death benefit or first-day coverage if you need oxygen equipment to breathe. No Insurance company offers first-day coverage to those who are using supplemental oxygen. However, you will be eligible for a guaranteed issue burial insurance plan.

Best Options: Guaranteed issue burial insurance


SARCOIDOSIS & NEEDING HELP WITH ACTIVITIES OF DAILY LIVING

If your sarcoidosis caused blindness or paralysis, you might need help in performing activities of daily living. There are six ADL, including eating, bathing, dressing, toileting, transferring, and continence. If your sarcoidosis causes you to need assistance with any of these activities, it will be difficult to find a company that will offer you first-day coverage and the lowest price.

Every life insurance company asks about ADLs in its application. Needing help with any activities of daily living will significantly affect the type of life insurance you will qualify for. If you need help with any ADL, your best life insurance option is to take a no-question guaranteed issue burial insurance.

Best Options: Guaranteed issue burial insurance


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


IF I HAVE SARCOIDOSIS, 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 sarcoidosis.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and 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 SARCOIDOSIS

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 with sarcoidosis is easy. Several burial insurance companies are not concerned with sarcoidosis. In fact, they don’t even ask about it in their health questions. Their relaxed underwriting standard allows for people with sarcoidosis to get first-day full coverage without a waiting period and at the lowest rate the company can offer.


SARCOIDOSIS EFFECT ON LIFE INSURANCE ELIGIBILITY

Sarcoidosis is a disease that causes inflammation predominantly in the lungs, but it can also affect the skin, eyes, liver, spleen, and lymph nodes.

Sarcoidosis is a chronic disorder with an unknown cause. Most of the time, this disease disappears by itself and will not affect life insurance eligibility except in more severe cases.

Sarcoidosis Complications and Life Insurance

  1. Sarcoidosis in the lungs – untreated sarcoidosis in the lungs can lead to permanent scarring in the lungs, which makes breathing difficult. Difficulty in breathing may require you use supplemental oxygen. Supplementary oxygen use may affect life insurance eligibility.
  2. Sarcoidosis in the eyes – inflammation due to sarcoidosis may affect any part of the eyes. And, it can cause cataracts and glaucoma, which can eventually lead to blindness. Blindness and needing help with activities of daily living may affect life insurance eligibility.
  3. Sarcoidosis in the kidneys – inflammation in the kidneys due to sarcoidosis may affect how the body handles calcium. This condition can lead to kidney failure. Kidney failure will affect your life insurance eligibility.
  4. Sarcoidosis in the heart – granulomas in the heart can cause irregular heart rhythms or arrhythmias, and other heart problems. Some cases can be severe, which may lead to premature death. Heart problems may affect your life insurance eligibility.
  5. Sarcoidosis in the nervous system – some people will develop problems in their central nervous system due to sarcoidosis. Granulomas formed in the brain and the spinal cord can cause paralysis. Paralysis, which will require you to need hospice care or help with activities of daily living, will affect your life insurance eligibility.


HOW MUCH INSURANCE DO I NEED IF I HAVE SARCOIDOSIS?

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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


SARCOIDOSIS 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-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


INFORMATION WE NEED IF YOU HAVE SARCOIDOSIS

There are some things we’d like to know about your sarcoidosis condition for us to find you the best insurance company with the best prices for your sarcoidosis.

We will ask you these questions to know more about your condition:

  1. When were you diagnosed with sarcoidosis?
  2. What part of the body was affected by your sarcoidosis?
  3. Do you experience any symptoms of sarcoidosis in the last six months?
  4. Did you have a relapse?
  5. What medications are you taking for sarcoidosis?
  6. Have you been hospitalized due to sarcoidosis?
  7. Do you have other health issues aside from sarcoidosis?

Your answers to these health questions will enable us to get the most accurate quotes from different life insurance companies and recommend the best company with the best price.


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 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 SARCOIDOSIS

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with sarcoidosis
  • Cremation insurance plan with sarcoidosis
  • Funeral home insurance plan with sarcoidosis
  • Final Expense insurance plan with sarcoidosis
  • Prepaid funeral plan insurance with sarcoidosis
  • Mortgage payment protection plan with sarcoidosis
  • Mortgage payoff life insurance plan with sarcoidosis
  • Deceased spouse’s income replacement plan with sarcoidosis Legacy insurance gift plan to family or loved ones with sarcoidosis
  • Medical or doctor bill life insurance plan with sarcoidosis

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 TO GET THE BEST BURIAL INSURANCE RATES FOR SARCOIDOSIS PATIENTS?

If you’re looking to get the best premium possible with sarcoidosis, it is important to manage your condition and take your medications as prescribed. Following doctor’s orders is not only good for your health, but it’s also beneficial to your wallet as well!

Smoking is not only awful for your lungs, especially if you have pulmonary sarcoidosis. It can also rob your wallet when it comes to paying life insurance premiums for smokers. If you are classified as a smoker when you apply for life insurance, your premiums will be higher than non-smoker applicants. Your premium can double or even triple, depending on the insurance company.

Kicking your smoking habit before you apply for life insurance is an excellent way to save money on life insurance premiums. Quit smoking or using tobacco products, and you will enjoy a lower insurance premium and savings.

Another way to get the best life insurance premium is to work with an independent life insurance agency like Funeral Funds to shop the market for the lowest-priced policy.

Finding the most affordable burial insurance with sarcoidosis is simple. Allow us to do the comparison shopping for you. We will help you compare different quotes from multiple insurance companies to find which one will offer you the best deal.

We specialize in high-risk life insurance cases. We have helped people with sarcoidosis and other health conditions get the right coverage, usually at level death benefit with first-day full coverage and no waiting period. We always strive for level death benefit because it is the best and cheapest.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy if you have sarcoidosis needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

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 work with many A+ rated insurance carriers that specialized 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 sarcoidosis funeral insurance, sarcoidosis burial insurance, or sarcoidosis 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.

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