If you want to see quotes for burial life insurance, give us a call or fill out our quote form and we will be in touch ASAP. We can get you approved for burial insurance in minutes!
Some people have trouble getting burial insurance because a lot of companies will flat out deny you coverage or jack up your rates.
It doesn’t have to be this way!
We at Seniors Mutual are experts in finding insuring people with Cerebral Palsy. You just need to know where to look.
Read this quick article to find out how to save the most on your burial life insurance with this condition.
Table Of Contents
- How Insurance Companies View Cerebral Palsy
- Companies That Accept Cerebral Palsy
- Other Health Conditions
- Find The Best Rates
How Insurance Companies View Cerebral Palsy
Every insurance company has a unique way of underwriting life insurance. The truth is, even one medication can change the price or coverage offered by a company.
Fortunately, some companies will not penalize you for having cerebral palsy whatsoever. Other companies may deny you altogether.
The key questions they will ask you is…
“Have you been medically diagnosed or treated, or hospitalized for Cerebral Palsy?”
If you answer yes to this question, some carriers will raise rates or only offer a waiting period plan. Luckily, there are companies that do not ask about cerebral palsy at all!
This means you will qualify for burial life insurance at the same rates that people without this condition get.
While many other health conditions will have a time frame since the last diagnosis or treatment, that is not the case with cerebral palsy.
Cerebral Palsy is a permanent condition so this is always taken into account.
Companies That Accept Cerebral Palsy
There are quite a few companies out there that offer great rates for people with cerebral palsy! Here are some of those companies below that will offer you the best rates…
- Mutual Of Omaha
- Liberty Bankers Life
- Royal Neighbors Of America
- Foresters Life
- Prosperity Life
One of these will without a doubt offer you the best rate available, it will just depend on your other health conditions and lifestyle, such as smoking.
Other Health Conditions
While these above companies will accept Cerebral Palsy for burial life insurance, they will all take your full health and prescription history into account. Many people who have cerebral palsy also have other health conditions, which could change your rates.
This step is very simple. For everyone we talk to, we go through a couple health questions to determine what other areas of health might matter to the insurance company, such as a heart attack or diabetes. It only takes a few minutes!
It’s very important to go over your entire health profile so you won’t get denied with a carrier.
Similarly, every burial insurance company will take your entire prescription history into account. This usually dovetails with your health conditions, so if you’ve had no major health issues in the past few years this shouldn’t matter.
That being said, if you have prescriptions just for emergencies, like nitroglycerin that you never take, it’s important to give us that information so we can narrow down which company accepts these medications.
Find The Best Rates
If you simply want quotes, fill out our quoter and look at the companies above to find the quotes they will give you. Just keep in mind that if you have other serious health questions the rates may change.
The key to getting the best rates for any type of life insurance is to work with an independent agency that has access to lots of carriers. For example, do you know anyone that will insure kids who have cerebral palsy? We have quite a few!
No matter what health conditions you have, even if you have cancer, we can find the best rates available to you, guaranteed!
Fill out the quote form or give us a call today and we will be in touch to talk about all of your coverage options.