If you want quotes for burial insurance, fill out the quote form or give us a call. There are plenty of companies that offer rock bottom rates as if you didn’t have this condition, you just need to know where to look!
Many people can struggle getting affordable burial life insurance if they have cystic fibrosis. This is only because they are applying with the wrong companies.
If you work with an independent agency like Seniors Mutual, you can find affordable coverage with no waiting period with cystic fibrosis.
In this article we will talk about all of the ways you can save and find the best deal on your burial insurance.
Table Of Contents
- How Companies View Cystic Fibrosis
- Other Health Conditions
- Oxygen Use
- Lung Transplant
- Find The Best Rates
How Companies View Cystic Fibrosis
Every company has unique underwriting for different health conditions. Some don’t ask about certain health conditions because they are okay with it, others only care about the past few years for a health condition. Others only care about the type of medication you take.
In the end, there are many companies out there that only offer waiting period plans or raise your rates, or both, for people with cystic fibrosis.
But not all.
There are plenty of companies out there that don’t view cystic fibrosis as a risk whatsoever, no matter how long you’ve had it or are on serious medication.
You just need to find the right companies.
Some companies don’t ask about cystic fibrosis but will check your prescription history for any serious lung issues like COPD, emphysema or cystic fibrosis. Some common medications for this disease are albuterol or antibiotics for your lungs.
Now, if the medications are only for cystic fibrosis, you have nothing to worry about with the companies that accept cystic fibrosis. However, if you are trying to get coverage with a carrier that has denied you, it’s probably because of the medications.
Unfortunately, people with cystic fibrosis are paying hundreds more a year than they need to on burial life insurance because they are with a company that raised their rates!
This doesn’t need to be the case.
Other Health Conditions
Many people who have cystic fibrosis have other health conditions, sometimes with COPD.
You should know that many other health conditions narrow your options for burial insurance further.
The good news is, even if you have multiple health conditions, working with an independent agency you can still find coverage with no waiting period at affordable rates most of the time.
For example, if you have cystic fibrosis, COPD, and had a recent heart attack a few years ago, we still have companies that offer you day one coverage at the same rates as a healthy person.
It is vitally important to go over all of your health issues with us so we can pair you with the company that will offer the best rate and with no waiting period.
If you currently use oxygen to breathe, even if only for emergencies, you will only qualify for a waiting period plan with every company. These rates are still very low and affordable, but the waiting period is mandatory if you are on oxygen, because this is more risk to the insurance company.
You still qualify with many of the same carriers, just keep in mind that waiting period is your best option at this point.
If you have had a lung transplant, or any organ transplant for that matter, you only qualify for a guaranteed issue policy.
Guaranteed issue policies ask you no health questions and can get you coverage in just minutes, but they all come with a two year waiting period at higher monthly premiums.
If you’ve had an organ transplant of any kind any time in your life, guaranteed issue is your only option. At this point it is just a matter of which company offers you the best rates.
If you know you are going to need a lung or organ transplant in the future for whatever reason, get approved for burial insurance now before getting the transplant.
You will get better rates and no waiting period if you do it now before you get the transplant.
Find The Best Rates
The key to finding the best rates for any type of life insurance is to work with an independent agency that offers many companies to you.
We at Seniors Mutual pair people with the best rates available most of the time with no waiting period every day.
Now, some people don’t want to bother with the health questions. If this is the case for you, we can find you a guaranteed issue policy at low rates and coverage only takes a few minutes.
However, if you want to save the most money on your burial life insurance, no matter what health condition you have, it will only take a brief phone call to go over your complete health profile and find which company offers you no waiting period and affordable coverage.
If you want to get a quote or are ready to move forward and get approved for coverage, give us a call or fill out our quote form to see free quotes.
Odds are even with serious health conditions we can find you coverage with no waiting period!