If you have ever been diagnosed or treated for alcohol abuse you still have plenty of affordable options for final expense burial life insurance. Fill out the quote form on the right or give us a call to go over your options.
Most people think they have to pay sky high rates to get approved for burial life insurance. The good news is you most likely can qualify for the lowest rates available, as if your diagnosis never happened.
In this article we are going to show you how to qualify for burial insurance in just a matter of minutes.
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Alcohol Abuse Diagnosis
Every insurance company will do a prescription and medical history check in real time. If there are any prescription medications or medical diagnosis then they will determine that you have been treated or diagnosed with alcohol abuse.
If you have never been diagnosed or taken medication for alcohol abuse, you automatically qualify for the lowest rates available!
If you have been diagnosed or treated for alcohol abuse, you can still qualify for the lowest burial insurance rates available depending on how long ago the diagnosis or treatment was.
As long as the diagnosis/treatment was over 24 months ago, you qualify for the lowest rates available.
If your diagnosis was within 24 months or you are still taking medication, you will have to go with a graded option with a short waiting period before it pays out full benefits.
A lot of people who have been diagnosed with alcohol abuse also have cirrhosis of the liver or some type of other liver disease.
While some companies may deny you coverage for these diseases, we work with the insurance companies that do not raise rates and still offer immediate coverage to people with cirrhosis or liver disease. Especially if your cirrhosis or other liver disease was many years ago, this would not matter.
Age To Qualify
The age to qualify for burial insurance with alcohol abuse varies between companies. If the diagnosis was many years ago, we pretty much qualify for most companies up to age 90.
However, if you were recently diagnosed, then the minimum age for a graded policy is age 40-90.
If you are within these age frames then you are good to go.
Keep in mind that the insurance company will take into account your entire health profile.
While this article covers alcohol abuse, your other health conditions like heart attacks, smoking cigarettes, or respiratory issues will also be taken into account.
That’s why it’s important to work with an independent agency like Seniors Mutual so you can find the best rates available to you.
How To Find The Best Rates
To put it simply, there are hundreds of insurance companies out there that will offer your burial insurance.
Knowing which company offers you the best rate is impossible unless you ask an independent agent who can look through all of your coverage options and your entire health profile.
We at Seniors Mutual are an independent agency who specializes in finding the best rates available in any state for our clients, no obligation!
Please give us a call or fill out our quote form on the right and we will be in touch with all of your coverage options and go over them with you.
If you have a current life insurance policy, we will go over that with you as well for free, just to make sure everything is in order.
We look forward to speaking with you!