2021 Guide To Burial Insurance With Pre-Existing Conditions

Burial Insurance With Pre-Existing Conditions

The truth about pre-existing medical conditions is that no matter what, even if you have cancer, you can still get insured for a burial insurance policy.

This page is an all-encompassing guide to medical conditions and how they are viewed by insurance companies, for every single medical condition.

Now, this article will talk about each specific health condition on its own. However, just know that multiple health conditions can knock you out of coverage with some carriers. Every carrier is different, and knowing what you qualify for will take a few minutes with us to find out more about you.

Medical conditions are not the only thing insurance carriers care about though. They also look at your prescriptions to determine risk.

We will have a list of the major prescriptions that insurance carriers may penalize you for at the bottom of this page, after all of the health conditions.

If you have a health condition or medication that is not mentioned, odds are it doesn’t matter. However, if you have questions are happy to help! Give us a call or fill out the quote form and we will be in touch with you as soon as possible.

Plan Definitions

In this article are going to be a few different definitions for the different types of coverage available to you based on your health. We’ll go over each of those here so that you understand what they mean later on when researching your unique health conditions.

Level Coverage

Level coverage is the best type of coverage you can get. All level coverage is immediate coverage with no waiting period, and is only given to people who meet each carrier’s unique underwriting guidelines. Our goal with every customer at Seniors Mutual is to qualify them for level immediate coverage.

Graded Coverage

Graded coverage is the next best option, and a hybrid between level and guaranteed issue coverage. If you can’t qualify for level immediate coverage with any carrier due to your health and/or age, grade is your best option. Graded coverage increases in price slightly but the big kicker is the partial waiting period.

Most graded plans pay something like 30% benefits if you die the first year, 70% second year, and after two years you receive full benefits.

Guaranteed Issue Coverage

Guaranteed Issue Coverage asks no health questions and everyone is guaranteed a policy, hence the name. However, all guaranteed issue policies come with a two year waiting period. If you die within this two year waiting period your beneficiary will only get what you’ve paid in with monthly premiums, with usually 10% rate of return.

While this 10% is hard to beat in other financial markets, we recommend finding the best level or graded policy for you, if your health and age allows it.

Pre-Existing Conditions

AIDS/HIV

If you have AIDS/HIV you can still get burial insurance. However, your only options are with a guaranteed issue carrier, that asks no medical questions.

Prices are affordable but all of these policies come with a waiting period of 2 years. If you pass away within those 2 years, they give you back all of the premiums paid along with interest, usually 10%.

Click here to read the full guide on getting burial insurance with AIDS/HIV.

ALS (Amyotrophic Lateral Sclerosis)

ALS disqualifies you from most carriers, but there are a few that will offer you graded coverage. Graded coverage won’t pay the full benefit in the first year but will pay more than guaranteed issue and is cheaper than a guaranteed issue plan most of the time.

Click here to read the full guide on getting burial insurance with ALS/Lou Gehrig’s Disease.

Alcohol Abuse

The last time you took a prescription medication or were diagnosed as abusing alcohol by a medical provider will matter here. Most of the time, if it was over two years ago, you can get immediate level coverage. If it was within two years then you can only qualify for graded coverage.

Click here to read the full guide on getting burial insurance with an alcohol abuse diagnosis.

Alzheimer’s/Dementia

If you are looking for burial insurance for someone with dementia, this is possible! Your only option here is with a guaranteed issue company, since they don’t ask health questions. Just know that the insured will be subject to the two year waiting period and guaranteed issue companies only offer coverage up to the age of 80. If they are over that age you cannot get burial insurance with any carrier for them.

Amputation

Amputations due to accidents are not a problem at all and you can qualify with many carriers for level immediate rates. However, if you amputation is due to diabetes or disease of some kind your options narrow. There are only a couple carriers out there that will offer immediate coverage if the amputation was over two years ago. If it was more recent, then you will only qualify for graded coverage.

Click here to read the full guide on how to get burial insurance after an amputation of any kind.

Aneurysm

The date of you aneurysm will matter here. While there are some companies that don’t care how long ago your latest event was, almost every time you are knocked out of immediate coverage for another reason. Some companies care only in the last 18 months, some the last 2-3 years. You’ll have to give us a call so we can go over with you how long ago it was so we can decide if you qualify for any immediate coverage.

Click here to read the full guide on how to get burial insurance after an aneurysm.

Angina (Chest Pains)

We can definitely find you level immediate coverage for burial insurance if you have angina, as long as it was diagnosed over 1 year ago. Some carriers will offer you better prices if it was 2-3 years ago, it just depends on the carrier and your other health conditions.

The kicker with chest pain is the medication. If you are taking something to control your chest pains, the carrier might not offer you immediate coverage. It’s important to give us the name of your medication so we can check and make sure you are eligible.

Angioplasty

If you didn’t know, angioplasty is a procedure done in the hospital to restore blood flow through a blood vessel. You can still get immediate level coverage as long as it was over 2 years ago.

Assisted Living

If you are in an assisted living center, you still qualify for level immediate coverage with 1 (literally only 1) carrier. However, your other medical conditions could knock you out of immediate coverage, depending on their severity.

Give us a call so we can go over your health completely.

Asthma

Almost every burial insurance carrier will offer you immediate level coverage for asthma. However, if you have additional conditions associated with asthma, like COPD, then it gets a little more difficult to secure immediate coverage. For most people, asthma is not a factor the insurance carrier cares about.

Click here to read the full guide on getting burial insurance with asthma.

Atrial Fibrillation (AFIB)

Most insurance carriers do not even ask about AFIB, so this is not something to worry about. You qualify for level coverage.

Autism

There are a few carriers that offer level immediate coverage for autism. Others will only offer graded coverage. Overall, if this is one of or the only serious medical condition, you should have no trouble qualifying for coverage with no waiting period.

Bipolar Disorder

Many carriers will not penalize you whatsoever for bipolar disorder. Some will want it to be 2-3 years in the past. In the end, bipolar disorder is not something most carriers care about.

Blood Clot

It really doesn’t even matter how long ago you had a blood clot because there are carriers that don’t even ask about blood clots! Some others care how long ago it was, but you should rest easy knowing blood clots are not an important factor to most burial insurance companies.

Blood Thinner

Most burial insurance carriers do not like blood thinners at all. In fact, some won’t offer any coverage at all. Others will charge you an arm and a leg.

At the end of the day, what most carriers care about is how long ago you started taking blood thinners. If you started over two years ago, you shouldn’t have any problem qualifying for a no waiting period policy. While there is one company that doesn’t care how long ago you started taking them, you may still be knocked out of coverage with them for other health reasons.

Bronchitis (Chronic)

If you have mild bronchitis, this does not apply to you. However, if you have been diagnosed as having chronic bronchitis, your eligibility for immediate coverage will depend on a few factors.

If you do not use tobacco, you qualify for immediate coverage with one company. If the last treatment for the bronchitis was over 3 years ago, you qualify for immediate coverage with a different company. It all depends on your other health conditions.

Bypass Surgery

Bypass surgery isn’t as serious as you think for burial insurance. If your surgery was over two years ago, you can qualify with almost every single carrier for immediate coverage. However, if it was more recent, expect moderately higher rates and a waiting period of some kind.

Also, bypass surgery usually comes with prescriptions that you take for life, or at least an extended period of time. Your eligibility for immediate coverage will depend on those medications.

Click here to read the full guide on getting burial insurance for people who had bypass surgery.

Cancer (Excluding Basal Cell and Squamous Cell)

Your eligibility for immediate coverage depends on how long ago you had cancer. If under two years ago you had cancer or were undergoing treatment for cancer, you can still get coverage, but you must go with a guaranteed issue or graded carrier with a two year waiting period to receive the full benefit amount.

As soon as it’s been over two years since you’ve been in remission, the doors start to open. Many carriers at this point will offer immediate coverage at no additional cost than before the cancer. The door opens further to more and more carriers the longer you have been in remission.

Click here to read the full guide on getting burial insurance with current or past cancer.

Cardiomyopathy

The best case scenario for someone with cardiomyopathy is graded coverage. Unfortunately, no one will offer you immediate level coverage with this condition, no matter when it was diagnosed.

The only thing to watch out for is if you have a defibrillator. If you have had one installed in the past 2 years, you will not even qualify for graded coverage, and must go with a guaranteed issue carrier for coverage.

Click here to read the full guide on getting burial insurance with cardiomyopathy.

Cerebral Palsy

There are a few carriers out there that will offer immediate level coverage for this condition! In fact, some do not even ask about this condition whatsoever.

Chronic Obstructive Pulmonary Disease (COPD)

Many carriers do not view this condition favorably unfortunately.

The good news is, there are a couple carriers out there that will take this condition no matter what and offer level immediate coverage. Some other will only offer immediate coverage if you don’t take medicine for it or if you are not a smoker. It really depends on your other health conditions.

The only way to know if you can get immediate coverage with COPD is giving us a call so we can go over our complete health profile.

Click here to read the full guide on getting burial insurance for people with COPD.

Circulatory Surgery

You qualification for immediate coverage with no waiting period if you have had any type of circulatory surgery depends on how long ago the surgery was.

If it was over 3 years ago you can qualify for immediate coverage with most carriers. The shortest amount of time a carrier will offer immediate coverage is 18 months, and that is only with one. Overall, circulatory surgery is not something that usually disqualifies someone from immediate coverage.

Click here to read the full guide on getting burial insurance for people who had circulatory surgery.

Cirrhosis (Liver)

You can get level immediate coverage for cirrhosis depending on how long ago your last treatment and diagnosis was. For example, if you haven’t taken any treatment for it in over 3 years, there are a few companies that will overlook your past cirrhosis completely.

There are also a couple reputable companies that overlook cirrhosis no matter when it happened, so no worries!

Click here to read the full guide on getting burial insurance with cirrhosis of the liver.

Congestive Heart Failure

Unfortunately, if you have congestive heart failure, you will not qualify for immediate coverage with no waiting period with any carrier. Also, since this condition doesn’t go away, there is no period of time after your diagnosis that a carrier will overlook it.

Your options with congestive heart failure are a graded option that pays a portion of the death benefit the first two years, or guaranteed issue. All guaranteed issue plans will have a two year waiting period for full coverage, but come with very affordable rates.

Your Seniors Mutual agent will go over with you all of your options.

Click here to read the full guide on getting final expense burial insurance for people with Congestive Heart Failure.

COVID-19

Believe it or not, many carriers will not offer any coverage if you’ve been tested positive for COVID-19 in the last 12 months, even if you’ve been vaccinated. Some change the max age to qualify for coverage. Other don’t ask about COVID-19 at all.

But this shouldn’t discourage you, because we can still find you level immediate coverage even with a positive diagnosis in the past. In the end, all of your health conditions will determine you qualify for coverage with.

Cystic Fibrosis

Good news! There are plenty of carriers out there that don’t ask about cystic fibrosis at all! A few will charge you higher premiums for this conditions, but those carriers can probably be avoided.

Defibrillator

Most people with defibrillators think they have to go to a guaranteed issue policy, but that is not the case! We at Seniors Mutual can find you level immediate coverage with a few carriers, and if your other health conditions are too serious, you still can qualify for graded coverage with a partial waiting period.

Let us help you find something affordable today!

Click here to read the full guide on getting burial insurance for people who have a defibrillator.

Depression (Non-Bipolar)

If you take any medication for depression or have been diagnosed with depression there is no need to worry, no carrier asks about depression whatsoever! The problem arises with some people that have other mental health issues coupled with depressions, like bipolar disorder. If you have bipolar disorder as well we recommend scrolling back up to that condition to take a look.

Diabetes (No Complications)

Diabetes is a very common health factor that many people have, especially later in life. This section is meant for people without any complications with diabetes, like neuropathy. If you have any additional complications with your diabetes move on to the next section.

If you have no complications with diabetes, never fear, as there are plenty of companies that will offer you rock bottom rates, even if your weight is not so good. Diabetes is accepted with no additional premium with many carriers!

Diabetes (With Complications)

Neuropathy is the most common complication with diabetes, but there are many high risk conditions that can arise from uncontrolled diabetes. Again, just like people with diabetes with no complications, you should not worry about diabetes being a problem with your burial insurance or finding affordable rates.

Since we work with all of the top insurance carriers, we can find rock bottom prices from the best company for you. Some carriers will even keep your premium the same and offer immediate coverage for high risk diabetes conditions like neuropathy or retinopathy! Contact us today to find the company that best matches you.

Dialysis

You can qualify for level immediate coverage IF your dialysis was over 1 year ago AND you don’t have any kind of kidney disease. Now most will still have some type of kidney disease after the dialysis, so this is uncommon, but if this is you, you qualify for level immediate coverage!

he only other thing to mention is that if you have ever been recommended to have an organ transplant you will not qualify for any immediate coverage, and will have to go to a guaranteed issue carrier that has a two year waiting period. If you currently are on dialysis you also can only qualify for guaranteed issue.

Click here to read the full guide on getting burial insurance on kidney dialysis.

Drug Abuse

If your diagnosis for drug abuse was over 18-24 months ago then you have nothing to worry about. If it was more recent then you will have to get graded coverage that doesn’t pay out 100% immediately.

Emphysema

Emphysema is another form of COPD, so we recommend checking out the section on COPD for this condition. you should not have a problem qualifying for level immediate coverage.

Click here to read the full guide on getting burial insurance with emphysema.

Epilepsy

There are many insurance companies out there that will take epilepsy all day long for level immediate coverage. The problem arises when you have other conditions or medications associated with epilepsy that can hurt you with the insurance carrier.

For example, if you are receiving hospice care or need other assistance with activities of daily living, then you will have to purchase a graded or sometimes even guaranteed issue policy. Speaking with a Seniors Mutual agent is key to navigating this health issue.

Heart Attack

When it comes to heart attacks, burial insurance companies will only care about the amount of time since it happened.

For most companies, if it was over 2 years ago, they will still offer level immediate coverage. One company will even offer level coverage if it was 1 year ago!

Just make sure you aren’t disqualified from immediate coverage from the other health conditions that usually arise from your heart attack.

Heart Disease

If you have congestive heart failure we recommend scrolling back up to the section on that condition. This section is for other types of heart disease that are not as serious.

If you have some type of heart disease that is not congestive heart failure, many carriers will still offer level immediate rates. Just make sure you get your application in before you develop something more serious or have other complications of the heart, that will make you go through a waiting period once developed.

Height/Weight

Even if your height or weight is abnormal, there is no reason to worry! There are a few companies out there that won’t even ask what your height and weight are, or don’t care whatsoever if they do.

This should not be a factor in your qualification for the cheapest immediate coverage for you.

Hepatitis C/Liver Disease

There are a many burial insurance companies out there that will still offer immediate day 1 coverage to you if you have Hepatitis C. Unfortunately, they will all raise your monthly premium somewhat, since this is a serious health condition.

If you have Hepatitis C you probably have other serious health conditions however. If these knock you out of immediate coverage your next best option is some type of graded coverage.

These graded plans won’t pay out full benefits immediately but are the best option to you available given your health conditions.

High Blood Pressure

To be quite honest, we’re nor sure why we’re even putting high blood pressure on this list of health conditions, because it is rare that an insurance carrier will ask about it at all.

It’s flat out a non issue.

That’s right, no matter how much or how long you’ve been taking medication for high blood pressure, this is so common that insurance companies don’t even ask about it!

Home Health Care

If you are receiving home health care, there is a burial insurance company out there that will still offer level immediate coverage at the lowest rate possible!

Just know it’s only one so hopefully you aren’t knocked out by other risky health conditions.

Hospitalizations

When it comes to hospitalizations, it all depends on how long ago it was. If you are currently hospitalized, you’ll have to go with a guaranteed issue carrier that has a two year waiting period.

However, most people have been hospitalized at some point in the past but are better now. Some companies ask about only the past 30 days, some the past 6 months, some only care if you are currently hospitalized, and otherwise offer rock bottom rates!

The only other thing to consider is the reason for the hospitalization. If it was for a serious health condition, be careful as this may hurt your standing with the insurance company!

We promise you today that we can find you the best company and plan for you.

Kidney Disease

As long as you are not undergoing dialysis, there are plenty of companies that will offer you day 1 coverage! Just know that they all are going to increase your premium a little bit for this high risk condition.

Usually people with this condition also have other high risk health conditions that may or may not disqualify them from immediate coverage. Hopefully, your health is good enough for the time being to qualify for immediate coverage with one of the carriers that accepts this condition!

Lupus

There are a few companies that freely accept people with Lupus, but many will only offer graded coverage to people with Lupus.

This means we will try to qualify you with one of the companies that doesn’t increase your premiums or mandate a waiting period, but it is not guaranteed. If you have other serious health conditions there might not be a way to qualify for immediate day 1 coverage.

After a quick conversation with a Seniors Mutual agent, we will be able to determine if you do qualify!

Marijuana

Any marijuana use, even recreationally, can still be qualified as non-smoker with some carriers! This is good news if you are healthy and serious health conditions, as you will get rock bottom rates.

If you do have other health conditions, rest easy knowing marijuana won’t hurt you with a few of the most popular burial insurance companies.

Worst case scenario if you have serious health conditions is that you only qualify for a company that will categorize you as a smoker. In that case, your premiums go up a little, but not much.

Multiple Sclerosis

Multiple Sclerosis can be tricky because it affects everyone differently.

Make no mistake, there are many insurance carriers that accept this condition freely. However, if you have other complications with Multiple Sclerosis, like needing assistance with activities of daily living, or if you take certain types of medication for it, then you may only qualify for graded coverage with a partial waiting period.

In the end, only a conversation with an agent will be able to confirm whether or not you will get immediate coverage.

Click here to read the full guide on getting burial insurance with Multiple Sclerosis.

Muscular Dystrophy

Muscular Dystrophy is not asked about by a few insurance carriers, so you may still qualify for immediate coverage with them. This really just depends on your other health conditions, however.

There are also companies out there that won’t ask about this health condition, but if you take certain types of medication to handle this, they will deny you coverage.

For the vast majority of Seniors Mutual customers, we find immediate coverage with rock bottom rates!

Nebulizer

If your nebulizer is for asthma, many companies will offer level immediate coverage at rock bottom rates. There are a few others that accept people with nebulizers but only offer graded coverage, but they can be avoided.

Neuropathy (From Diabetes)

For this condition, there are only a few companies that will still offer level immediate day 1 coverage, but they do exist!

The truth is with neuropathy almost ever insurance companies will not insure you at affordable rates, with a few exceptions. Luckily, we offer those companies that will extend coverage at no additional cost if you have neuropathy.

Now, in the rare case you have one of these diseases but they aren’t from diabetes, the door opens up and most carriers will not penalize you whatsoever for these health conditions.

We will do everything we can to qualify you for coverage with the companies that absorb this risk, but if your health is not so good, you can still qualify for graded coverage with only a partial waiting period.

We at Seniors Mutual will do everything we can to qualify you for level coverage with no waiting period, but this will depend on your other health conditions and medications.

Click here to read the full guide on getting burial insurance with neuropathy.

Organ Transplant

Unfortunately, if you have ever been advised or had an organ transplant, you are not eligible for any no waiting period insurance plans. Your best option with an organ transplant is to find a guaranteed issue carrier that ask no health questions.

Just know that all guaranteed issue plans come with a two year waiting period, where if you pass away in the first two year they will only pay out what you have paid in, with 10% rate of return.

Oxygen Use

Oxygen use for sleep apnea is totally okay with every company.

However, if you are currently on oxygen use for any other reason, every company is going to issue a partial waiting period at minimum.

Your options is you currently are on oxygen are graded plans that are most favorable to people who require oxygen. And there a few companies that do that.

Alternatively, if you aren’t on oxygen anymore but have had to use it in the past, the doors open up to many more possibilities. A few companies offer level immediate coverage if the oxygen use many months/years ago, depending on the company.

To know what type of coverage you are eligible for you must speak with us!

Pacemaker

The determination on your eligibility for immediate coverage with a pacemaker depends on how long ago it was installed.

For example, if it was installed within a year ago, you will be subject to guaranteed issue carriers with a waiting period. If it was over one year a few companies will insure you. After two years since it was installed almost every company will offer you immediate level coverage.

Click here to read the full guide on getting burial insurance for people who have a pacemaker.

Pancreatitis

Pancreatitis is not something many carriers care about fortunately! There are quite a few that still offer level immediate coverage and a few more that only care if you are currently receiving treatment, which for many people, is a no.

Parkinson’s

If you have Parkinson’s you may still be eligible for level immediate coverage, but there are only a couple companies that will offer you such coverage.

Luckily we contract with all of these companies! It’s only a matter of your other health conditions passing the mark for their unique underwriting.

If you can’t get coverage with those select companies, then you’ll have to go with a graded option which has a partial waiting period. Either way, we can find the lowest price guaranteed for you!

Pipe/Cigar Use

If you don’t smoke cigarettes, but do occasionally use a pipe or smoke a cigar, you are in luck! There are a few companies out there that will categorize you as a non-smoker and give you non-smoker rates.

This could save you hundreds of dollars a year, so make sure to let us know that you in fact only smoke non-cigarettes and we will find you rock bottom rates!

PTSD

PTSD is usually not a problem, but it depends on your medication, if any.

If you are not taking any medication, this is will not be an issue. If you do take some medication, some carriers categorize this as depression or anxiety, and can hurt you with the carrier.

In the end, PTSD rarely effects your premiums or eligibility for immediate benefits.

Retinopathy

Like other similar complications with diabetes, those with retinopathy, you have a few options.

There are a couple carriers out there that do not charge higher premiums and still offer immediate coverage to those with retinopathy.

Other companies will offer partial waiting periods and higher premiums.

Rheumatoid Arthritis

There is one (only one) company that will offer you level immediate coverage for Rheumatoid Arthritis. However, you should know that it will depend on the prescriptions you take.

If you take very serious or large amounts of medication for this condition you will not qualify for level rates. It all depends on your dosage and type of medication.

Usually, this is not a problem, and we have found level coverage for people with Rheumatoid Arthritis, but it is possible to take too much medication to qualify.

Schizophrenia

Contrary to popular belief, most companies don’t even ask about schizophrenia or care about it!

A few others care about what medication you are taking for it, but other than that, we can find you rock bottom rates if you have this condition.

Seizures

Regardless of the reason for your seizures, there are quite a few burial companies that will cover you with level immediate coverage.

Now, if you have other serious medical conditions, that can change your eligibility with these carriers. But if you are a relatively healthy person, we should have no problem helping you qualify for immediate coverage at the lowest cost.

Sickle Cell Anemia

We offer many burial insurance carriers, and almost all of them do not penalize you for having Sickle Cell Anemia.

In fact, most carriers won’t even ask about this condition at all!

The only catch to this disease is it puts you at a higher risk for having something like a heart attack. Make sure you get coverage before this happens because your premiums will go up and you will be forced to undergo a waiting period most of the time.

Sleep Apnea

As we said earlier on daily oxygen use, sleep apnea is exempt from oxygen use in burial insurance underwriting.

Essentially, they don’t care about sleep apnea at all, as it is a common condition that is not a risk at all.

Sleep well knowing you qualify for level immediate coverage at the lowest rate possible!

Smoker

All burial insurance companies will charge you more if you smoke cigarettes. Fortunately, we have many plans that are still very affordable!

There are a few companies out there that offer very affordable rates and specialize in insuring people who smoke, so you shouldn’t worry about paying unaffordable rates. Also, no company is ever going to decline you or make you take a waiting period if you smoke.

Click here to read the full guide on getting final expense burial insurance for smokers.

Spina Bifida

While some people think this might cause an issue with some carriers, they’d be wrong!

No final expense burial company out there asks about Spina Bifida, so it is a non issue.

Stroke/Stent

Strokes and stents can potentially be very costly by increasing the cost of insurance.

But this all depends on how long ago it was!

In fact, for most companies, if your stroke or stent was over 2 years ago, they don’t care about it at all and you still qualify for level immediate coverage! At 3 years after, a few more doors open, and after 5 years, every company will not penalize you for a stroke or stent.

TIA (Mini-Stroke)

If your stroke was only temporary, it was probably a TIA, or mini-stroke. If this was the case, this is good because there are a few burial companies out there that will overlook TIA’s completely!

Yes that’s right, you can still get level immediate coverage if you had a TIA, even if it was yesterday!

Tumors

Many burial insurance companies simply don’t care about tumors, surprisingly.

Now, if they were from cancer that’s a different story, but then you’d have to deal with the diagnosis of cancer. If you have questions about tumors due to cancer you should refer to our cancer section on this page to get a good idea of what you’re dealing with.

Non-cancerous tumors will give you no problems when qualifying for level immediate coverage!

Ulcerative Colitis

Ulcerative Colitis is nothing to be concerned about whatsoever.

That’s right, every single burial insurance company will overlook this health condition completely and offer level immediate coverage.

Walker

If you use a walker, almost every company will give you a pass and still offer immediate coverage. this is not something to be worried about at all.

Wheelchair

Wheelchair usage will only matter to the insurance company if you are confined to it. If you only use it temporarily or for short term use, they will not penalize you in any way!

However, if you are confined to a wheelchair permanently, you will only qualify for graded coverage, which will only pay partial benefits your first two years. Graded coverage is still better than guaranteed issue, because it still pays partial benefits and will be cheaper.

We can find you the best company at the lowest price no matter what condition you’re in!

Prescriptions

This is not an exhaustive list, but some of the major prescriptions that can majorly effect your eligibility for insurance coverage.

Cancer Preventatives

There are a few carriers out there that will still accept you if you take cancer preventative medication, such as anastrozole. However, it must be for maintenance only and have been cancer free for 3-4 years, depending on the carrier.

Carvedilol

Most people take this drug for Congestive Heart Failure. If you are taking this for something other than that, you are fine, but it must be noted with us for the insurance carrier.

If you are taking this drug for Congestive Heart Failure, you most likely will have to go with a guaranteed issue carrier.

Coumadin

The most common use of Coumadin is to treat and prevent blood clots. For most carriers, this drug is fine, but if you are taking it for a stroke, then it can throw some of them off and deny your coverage.

A conversation with a Seniors Mutual agent will allow us to know exactly which carrier to pair you with if you are taking this drug.

Donepezil

Donepezil is used to treat dementia, and since you have dementia your only option is with a guaranteed issue carrier.

Furosemide (Lasix)

This is another one that most people take for CHF. However, if you are taking this for another reason it is important to let us know, as many carriers will offer level immediate coverage if this is taken for another reason.

Gabapentin & Lyrica

The use for these drugs will change your eligibility with some carriers. For example, if used for restless leg syndrome, you are good to go, but if you use it for neuropathy, you can be put on a partial waiting period with higher premiums.

We are experts are determining the best carrier for you with these drugs, so do not worry!

Isosorbide

If you take this prescription you are no longer eligible for level immediate coverage, however you can still get graded coverage. Most people take this for chest pain (angina) and this is a very serious risk for most insurance companies.

Nitro

Nitroglycerin is ok with a few companies as long as it is only used for maintenance or for emergencies only. Since it is used for chest pain this is a serious health risk. you can still qualify for level immediate coverage.

Oxycodone

Used to treat severe pain, this drug is ok with most insurance companies. There are quite a few people that use this drug for pain in their senior years, so you still are eligible for level immediate coverage.

Plavix

Used to prevent strokes and heart attacks, you still qualify for level immediate coverage with many carriers if you use this drug. The only thing to be careful about is past attacks or stroke.

Refer to our health condition sections on those conditions if you’ve had a stroke or heart attack recently.

Suboxone

There is only one carrier that will offer you level immediate coverage if you use or have used Suboxone, and that is if it is only used for pain.

While many people say this is for pain, most of the time it’s being used to recover from drug addiction. If this is the case, you will only qualify for graded coverage.

Warfarin

For people who recently had a blood clot of some kind, Warfarin is usually prescribed as a preventative drug. Never fear, as many carriers will still offer immediate level coverage for a Warfarin prescription.