Many seniors that are outside of height and weight guidelines have trouble getting affordable coverage for burial life insurance. That’s because many companies that have medical underwriting have very strict guidelines for height and weight.
However, there are a few companies that do not have height and weight build charts whatsoever, and won’t even ask for that information!
You just need to compare from many different companies to find them.
In this article we will go over which companies don’t have weight and build charts, and if you want sample prices fill out our quote form and look for the companies on this page to find the ones that will give you coverage.
Table Of Contents
- Height/Weight Underwriting
- Health Conditions And Prescriptions
- Royal Neighbors Of America
- Guarantee Trust Life
Most burial life insurance companies will have some type of height to weight ratio that you must fall under or they will not offer any coverage. However this is not the case for all companies.
Some companies have decided that they will not penalize or even ask you about your height and weight, and eve offer the same low prices as a person with olympic athlete type fitness.
These are the companies that we will go over in this article.
Other Health Conditions & Prescriptions
Now, even the companies that do not ask about height and weight will still ask you other types of health questions if you want coverage with no waiting period and rock bottom rates.
Serious health conditions like a heart attack or cancer in the past few years are what we will need to go over, as well as any serious prescription medications you take.
If you don’t have any serious health conditions other than being outside of the weight guidelines, you should have no trouble getting affordable coverage with one of these companies.
Aetna is one of the most well known companies out there in the insurance sector and for good reason. They have many different products and don’t ask you about your height and weight at all.
Aetna also will take niche health conditions that other companies don’t take like COPD, seizures, cancer (if in remission for over 2 years), and heart attacks (if over 1 year ago).
If you are having trouble getting burial life insurance coverage elsewhere because of your weight, Aetna will give you the same low rates as anyone else. Fill out our quote form to get sample rates for Aetna.
Royal Neighbors Of America
Royal Neighbors is another burial life insurance company that does not ask you about height or weight, and also has a few special health niches.
Royal Neighbors will give you the same low coverage as anyone else for having diabetic neuropathy, nephropathy, receiving home health care, marijuana smoking, rheumatoid arthritis, or a TIA (mini stroke) as RNA does not consider TIA’s as strokes.
They are a great company if you are overweight and have another specific health conditions that not many carriers take. Fill out our quote form to see sample rates for Royal Neighbors Of America.
Guarantee Trust Life
Guarantee Trust Life is a great hybrid company between immediate coverage like Aetna and Royal Neighbors and the guaranteed issue carriers like Gerber and AIG. Guarantee Trust Life does not ask you any height or weight questions and is the only non-guaranteed issue company that accepts congestive heart failure.
The main reason we have Guarantee Trust Life on this list is because heart failure is a common condition among people having trouble getting insurance coverage elsewhere, especially because of weight.
If you have this condition Guarantee Trust Life will probably be the best company for you in terms of price and without the long wait periods of the guaranteed issue carriers. Fill out our quote form and look for Guarantee Trust Life to see sample prices.
If you are outside of the height and weight guidelines for other carriers never fear, you have come to the right place. Seniors Mutual has access to many different burial life insurance companies that will offer you coverage no matter your health condition.
Even if you have current cancer, there are companies we work with that will insure you.
The biggest tip we can give to finding the best price for the coverage you are looking for is to work with an independent agency like Seniors Mutual. Unfortunately many people buy from the first piece of mail they receive or agent they talk to, locking them in with a policy that could cost them hundreds more a year.
If you want to find the best prices available simply fill out our quote form to see sample prices or give us a call today. We are also available from our chat tool to answer any questions and help you with an application that way as well.
We look forward to speaking with you!