Wondering how to get burial life insurance with cirrhosis of the liver? It can be a huge pain, especially if you’re looking in the wrong place!
Luckily, we are here to provide you with all of the information you need to make an informed decision.
In this article we are going to go over where to find the best life insurance for cirrhosis, how you can qualify, and next steps to take when you’re ready.
If you want free no obligation quotes please feel free to fill out our quote form or give us a quick call and we will go over all of your information to give you the help you need.
Table Of Contents
How Companies Look At Cirrhosis
Every life insurance company looks at cirrhosis differently. Some won’t take you at all, some will if you were diagnosed many years ago, some will only cover you if you aren’t taking certain medications. It’s complicated!
Luckily we are experts at the health underwriting for every individual company and help people every day with serious diseases like cirrhosis find coverage that is affordable.
That being said, even if you have current cirrhosis, you can still get day one coverage at no additional cost! There are carriers out there that will cover you, and not charge you a penny more.
Usually, you can approved with the carriers that offer you immediate coverage for cirrhosis, even if you are still taking medication for it. But not always.
Sometimes people are denied coverage from these carriers for a wide variety of reasons, usually because they have another serious health conditions that knocks them out.
If you have other serious health issues you still have plenty of options!
If you recovered from your cirrhosis many years ago many companies will act like you never had it, and offer rates that are the same as people who never had it.
In the end, it is very difficult to determine which companies will offer you coverage and at which price without knowing your other health issues and medications that you take. Fill out the quote form on the right or give us a quick call so we can go over all of your health issues and ailments.
Some people with cirrhosis need a liver transplant, or have had one in the past.
If you had an organ transplant in the past, or are scheduled to get one in the future, your only option at that point is with a guaranteed issue carrier.
Guaranteed issue policies don’t ask any health questions and everyone is guaranteed a policy, but this comes with a catch.
For all guaranteed issue policies, if you die within the first two years of the policy, the company will only pay out what you’ve paid in plus 5-10% interest, depending on the company.
While these are still affordably priced, the first two years needs to start being worked through immediately, just in case.
If you think you might need a transplant some time in the future but don’t have one scheduled, we recommend getting a policy ASAP!
This will save you money on your policy, and give you a policy with no waiting period in the first two years.
Get Approved For Life Insurance
If you have cirrhosis of the liver, you need to get approved for life insurance ASAP. Common forms of disease that come with cirrhosis are liver cancer, severe hypertension, and diabetes. All of these health issues will change the price you price you pay with the insurance carriers and possibly even deny you coverage.
We have worked with clients that waited too long to get insurance that now are in a position where they cant pay for whatever is left to them, or not get enough coverage to protect their family.
Don’t let this be you.
We at Seniors Mutual represent all of the top carriers in the business, and will shop for you! We will find the best rate hands down for you, and best of all, applying is completely free.
Give us a quick call or fill out our quote form and we will be in touch to give you the exact rates you will be paid and how much in coverage you qualify for. It will only take a couple minutes!