To see quotes for immediate coverage, fill out the quote form on the right. Just know that getting qualified for a no waiting period policy will depend on your unique health conditions.
Have you been looking for a no waiting period burial insurance policy?
Have you been told you only qualify for a guaranteed issue plan with a two year waiting period?
Well you’ve come to the right place!!
1. Not Everyone Qualifies For Immediate Coverage
Now, some health conditions immediately disqualify you from an immediate issue policy. If you have any of the health issues below, you will only qualify for a guaranteed issue, two year waiting period plan.
- Currently have cancer
- Any dialysis
- Terminal Illness
- Organ transplant
- Currently in the hospital, nursing home, or some type of hospice care
- In the last 12 months, have had a heart attack, stroke, heart or circulatory surgery
If you don’t have any of the above conditions, you can probably qualify for immediate coverage, but it is not guaranteed until we have a conversation about how your health. For example, a combination of many smaller health issues can disqualify you from immediate day one coverage.
The only way to know for certain if you qualify for immediate coverage is by having a conversation with an agent.
We at Seniors Mutual will do everything we can get you qualified for immediate coverage.
2. The Truth About No Health Question Plans
You may be wondering about “No health question” plans. All burial plans that do not ask health questions are called guaranteed issue, and all of these come with a minimum 2 year waiting period.
If you are looking to find a policy that does not ask health questions, you will be forced to go to a guaranteed issue insurance carrier.
If you die within the first two years of the policy, the carrier will only refund all of the premiums you have paid thus far with 5-10% interest, depending on the carrier.
Guaranteed issue policies are also slightly more expensive than immediate coverage policies.
If you are simply looking to get a policy as fast as possible with no questions asked, these are for you, but we do not recommend them.
3. Compare Multiple Carriers For Coverage
Some people want the quickest way to get covered, and in the end it is you decision and we will help you get that coverage.
However, there are many variables to consider in the type of burial insurance you want to apply for.
For example, if someone has neuropathy they get qualified for immediate coverage. But, if they also are taking medicine for some type of heart disease, they would not qualify.
The health questions differ between every single insurance company so you need to compare.
Don’t listen to agents and other companies that only offer one company. 9 times out of 10 we can compare and find a company that offers you a better rate, including immediate coverage if you qualify.
We at Seniors Mutual are an independent agency and represent all of the top carriers in your state. If you qualify for immediate coverage with any burial insurance carrier we will find it!
Give us a call or fill out the quote form on the side and we will be in touch with you to find you a policy as fast as soon as we can!