Burial Insurance – Insider’s Guide to Health Conditions A-Z

Written by AssuranceLife.org

Assurance Life has constructed this burial Insurance Insider’s Guide for your viewing pleasure. It’s intended to give you some knowledge on how burial insurance companies look at different pre-existing health conditions and how each one will affect your eligibility. Please contact us for final approval since this resource guide is intended for just educational purposes ONLY. Don’t assume you can’t qualify for a whole life insurance plan because we have plans for EVERYONE. We have companies that don’t even ask health questions on their applications, so nothing to worry about.

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NOTE** Remember, answering yes or no questions on a burial insurance application is just the first step in the process. Other factors like prescription history and your medical history will also play an important role on your acceptance or not. Plus, EVERY burial insurance company will have their own underwriting guidelines and procedures. This is why its important to allow an expert to assist you during this process. Assurance Life has access to over 25 of the nations leading burial insurance companies, so we always can find the best price and plan that fits your needs.

Health Conditions A-Z

Burial Insurance with ADL’s (Activities of Daily Living)

The activities of daily living are a series of basic activities performed by an individual. Including dressing, eating, grooming, transferring and maintaining continence. The key is can the individual perform these activities without relying on a caregiver for assistance. Many burial insurance companies asked these questions on their applications. Its important to know when applying which burial insurance applications differ when it comes to ADL’s. Here are some examples:

Royal Neighbors of America – Doesn’t specifically ask about ADL’s – they do ask if you are confined to a wheelchair or bed confinement.

Mutual of Omaha – Does ask if you require assistance with activities of daily living such as taking medications, bathing, dressing, eating, toileting, getting in and out of a chair or bed. (Decline)

Aetna (American Continental) – Doesn’t ask about ADL’s but does ask if you are confined to a bed or receiving hospice care.

Assurity – Does ask if you needed assistance or personal supervision to perform any activities to daily living in the past 12 months. (Decline)

Burial Insurance with Alcoholism & Drug Abuse

Burial Insurance companies generally ask about alcohol or drug abuse on their applications. Most of the questions ask specifically about treatment or counseling over a set period of time. Since each burial insurance company has their own underwriting guidelines, its important to allow a company like Assurance Life assist you in this process. It could mean not getting the BEST coverage or BEST price if placed incorrectly. You will see below some companies won’t issue you coverage depending on when the treatment or abuse occurred. However, not to worry immediate coverage is available with some but with limitations. (Graded) Here are some examples of how alcohol and drug abuse are asked on several insurance applications:

drugs

Standard Life and Casualty – In the last 5 years have you been treated for, or been advised to have treatment for, or used alcohol in excess or any drugs of abuse? (Decline)

Mutual of Omaha – In the past 2 years, has the proposed insured been treated for or advised to have treatment for alcohol or drug abuse? (Graded)

Royal Neighbors of America- During the past 18 months, have you been recommended by a physician to have treatment or counseling for alcohol or drug abuse? (Decline)

Assurity – In the past 12 months, had or been advised to have treatment for any drug or alcohol abuse? (Graded)

Burial Insurance with Amputation due to Disease

Is found on most Burial Insurance applications. Its important to know that Amputation due to accident is usually OK with most final expense companies. The most common amputations we see when helping burial insurance clients is amputations due to diabetes. Unfortunately, amputation is a MAJOR complication of diabetes. So the majority of burial insurance companies will NOT accept this health condition. Luckily, Assurance Life has a few companies that will. Preferred coverage is possible but most likely a limited death benefit plan (Graded) will be the norm most of the time. Other factors like insulin use and age of diagnosis are looked at also. Here are some example questions taken from several burial insurance companies applications:

amp

Royal Neighbors of American – Has the proposed insured EVER been diagnosed as having or been treated for amputation caused by disease? (Decline)

Mutual of Omaha – Has the proposed insured EVER had an amputation due to diabetic complications? (Decline)

Liberty Bankers Life – doesn’t mention amputation due to disease on their application. However, complications of diabetes is mentioned and would be issued (Modified) If amputation was not related to diabetes it could be qualified as Preferred.

United Home Life – doesn’t ask about amputation due to disease on their application. Only mentions diabetes including insulin treatment. So preferred day 1 coverage is a possible under their Deluxe plan. Also, doesn’t mention Insulin use before a certain age or age when diabetes was diagnosed.

Burial Insurance with Aneurysm

Some burial insurance companies specifically list aneurysm on their applications. Some might not  mention it specifically, but list circulation problems which falls into the same category. This is one health condition if surgically repaired, burial insurance approval shouldn’t be a problem depending on the date of the surgery. Once again, its very important to allow a company like Assurance Life to assist you when finding the best burial insurance coverage. With access to 25 different burial insurance companies, we got you covered. Here are a couple examples of how burial insurance companies ask about at aneurysm’s:

aneurysm

Royal Neighbors of America – During the past 18 months has the proposed insured been diagnosed as having an aneurysm? (Decline)

Mutual of Omaha – Doesn’t mention aneurysm in their application or circulatory disorder.

Liberty Bankers Life – Within the past 2 years have you been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for aneurysm? (Modified)

Aetna (American Continental) – have been diagnosed by a medical professional to have an aneurysm that has not been surgically repaired? (Decline) Circulatory disorder (Graded)

United Home Life – in the past 2 years have you been diagnosed or treated for, or are you currently under treatment for a circulatory disorder? (Graded)

Burial Insurance with Angina

Listed on most burial insurance company applications. Unfortunately, if you have had chest pains or pressure around the heart within the past 12 months you would only qualify for a graded plan at best. The insurance companies will also look into your medications and see what was prescribed. Often Nitroglycerin is prescribed for Angina. We hear often from our clients that they don’t use it or haven’t taken it in years. Unfortunately, if you are still getting your Nitro prescription filled, the insurance underwriters will assume you still have a problem. I know this can be frustrating and we feel your “Pain” no pun intended. Let’s see how a few burial insurance companies ask about Angina on their applications:

heart4

Royal Neighbors of America – During the past 18 months has the proposed insured been diagnosed as having angina? (chest pain) (Decline)

Family Benefit Life Insurance – During the past 24 months have you begun prescribed medication for, been hospitalized for, or been diagnosed as having angina? (Graded)

Liberty Bankers Life –  Within the past 2 years have you been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for angina? (chest pains)

Burial Insurance with Angioplasty

Listed on most burial insurance applications. A graded policy is most common when dealing with angioplasty. Once again, a graded plan provides immediate coverage but has a limited death benefit payout the first two years. Most common would be 30/70 split. Meaning, if you passed away within your first year of coverage, the policy would payout 30% of the death benefit. Within your second year it would payout 70 percent. Angioplasty is usually associated with stent implants since a lot of time during the angioplasty procedure a stent is used. Let’s take look where angioplasty is listed on some burial insurance applications:

health

Royal Neighbors of America – During the past 24 months, has the proposed insured been diagnosed as having, or been treated for: heart or circulatory surgery (including pacemaker, heart valve replacement, bypass, angioplasty, stent implant, or any procedure to improve circulation to the heart or brain? (Graded)

Mutual of Omaha – In the past 2 years, has the proposed insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for angioplasty? (Graded)

Family Benefit Life Insurance – Within the past 12 months have you been diagnosed as having, or been hospitalized for: had cardiac or circulatory surgery of any kind to improve circulation to the heart or brain? (Decline) During the past 24 months is (Graded)

Burial Insurance with Atrial Fibrillation (AFIB)

Your acceptance on the type of coverage you will qualify for with AFIB will be determined if you also have been diagnosed with cardiomyopathy. Not all heart rhythm disorders are cardiomyopathy. Also, if they had to install a pacemaker to control your AFIB this could change the type of coverage you would qualify for. Another health condition that getting assistance from someone like Assurance Life would be beneficial. Here are some burial insurance questions you will see with AFIB:

heart-attack

Royal Neighbors of America: AFIB is not specifically mentioned on application. Cardiomyopathy is (Decline) within 18 months. 19-24 months (Graded) Pacemaker has 2 year lookback (Graded)

Liberty Bankers Life – Have you ever been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for irregular heartbeat or atrial fibrillation? (Standard) Day 1 coverage – Cardiomyopathy EVER is (Decline) Pacemaker with 2 years (Modified)

Mutual of Omaha – doesn’t mention AFIB on application but does ask about irregular heart rhythm. Cardiomyopathy & Irregular heart rhythm past 2 years is (Graded)

Foresters – doesn’t mention AFIB or irregular heart rhythm on application. Cardiomyopathy within 24 months (Modified)

Burial Insurance while Bedridden

bed

If you are currently bedridden unfortunately we have only a few options to help you. We do offer companies like Gerber and AIG that will approve you without asking any health questions. These plans are called Guaranteed Issue Whole Life Insurance, meaning your acceptance is guaranteed. No health questions are asked and the process is very simple. AIG is an excellent choice with your current health conditions. It’s important to know that ALL guaranteed issue whole life plans come with a 2 year waiting period. However, both Gerber and AIG will pay you ALL your money back plus 10% if you were to pass away during the first two years. After 2 years, the death benefit would be paid in full. Of course if you were to die because of an accident, both burial insurance companies would pay the full amount even in the first two years.

Burial Insurance with Bipolar Disorder

Some companies specifically list Bipolar Disorder on their application. It’s a serious illness however this is condition that some burial insurance companies will accept. In fact, most clients will be approved Preferred – Day 1 coverage with this health risk if placed with the correct company. Let’s take a look at how different burial insurance companies ask about Bipolar Disorder on their application:

depression

Standard Life and Casualty – Have you EVER been medically diagnosed, treated or taken medication for bipolar disorder? (Decline)

Royal Neighbors of American – not listed on application (Preferred)

Mutual of Omaha – In the past 4 years, has the proposed insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for Bipolar depression? (Graded)

Liberty Bankers Life – not listed on application (Preferred)

Burial Insurance with Cancer

Basal Cell Skin Cancer or Squamous Cell Skin Cancer are not mentioned on burial insurance applications so no issues here. If you currently have any other type of Cancer, few options are available. However, once your cancer treatment is complete your acceptance for burial insurance coverage will be determined by time passed. Meaning, how much time has passed since your last Cancer treatment. Most companies look back 24 months on your last treatment and some burial insurance companies even look up to 4 years. Let’s see how some burial insurance companies ask about Cancer on their applications:

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Royal Neighbors of America – During the past 24 months, has the proposed insured been diagnosed as having, or been treated for Internal Cancer or Melanoma? (Decline) After 24 months (Preferred)

Mutual of Omaha –  In the past 4 years, has the proposed insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for Cancer, Melanoma or any other internal cancer (except basal or squamous cell skin cancer)? (Decline) After 48 months (Preferred)

United Home Life – In the past 12 months or 24 months, have you been diagnosed or treated for, or are you currently under treatment for any form of Cancer? (Decline) After 24 months (Preferred)

Aetna (American Continental) – Within the past 12 months, have you been diagnosed or treated by a medical professional or had surgery for any of the following Internal Cancer, Melenoma, Lymphoma and multiple Myeloma? (Modified) After 13-24 months (Graded) After 24 months (Preferred)

Full Article on Buying Burial Insurance after Cancer

Burial Insurance with Cirrhosis

Cirrhosis (Liver Disease) is listed on most burial insurance company applications. Acceptance of this health condition will be determined if the Cirrhosis has been treated or currently under treatment. Other factors will include when you were first diagnosed with Cirrhosis. It’s important to let Assurance Life help you find the right burial insurance plan with this condition. We can save you money and get you better coverage because we know which companies to place you with. Few examples of how burial insurance companies ask about Cirrhosis on their applications:

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Mutual of Omaha – Has the proposed insured EVER been diagnosed with, been treated for or advised by a physician or health care provider to receive treatment for Cirrhosis? (Decline)

Royal Neighbors of America – during the past 24 months, has the proposed insured been diagnosed as having, or been treated for Cirrhosis or Liver Disease? (Decline)

Liberty Bankers Life – Have you ever been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for chronic hepatitis, hepatitis C, cirrhosis of the liver? (Preferred Standard) No time frame is asked. Day 1 coverage if treated.

Aetna (American Continental) – Within the past 12 months, have you been diagnosed or treated by a medical professional or had surgery for any of the following cirrhosis? (Modified) After 13 months (Preferred)

Burial Insurance with Congestive Heart Failure (CHF)

Listed on ALL burial insurance company applications. CHF is a serious terminal condition and ALL burial insurance companies view it this way. Most companies CHF is a decline. However, Assurance Life can still find you coverage so not to worry. This is why it’s important to use an insurance broker when looking for burial insurance. Having access to several companies is the key to finding the best plan and price with CHF. Just a few examples of how burial insurance companies ask about CHF:

walker

Royal Neighbors of America – Has the proposed insured EVER been diagnosed as having or been treated for Congestive Heart Failure? (Decline)

Mutual of Omaha – Has the proposed insured EVER been diagnosed with, been treated for or advised by a physician or health care provider to receive treatment for Congestive Heart Failure? (Decline)

Assurity – In the past 12 months, has the proposed insured been medically diagnosed as having or been treated for Congestive Heart Failure? (Graded)

Aetna (American Continental) – At any time, have you been diagnosed or treated by a medical professional or had surgery for any of the following? Congestive Heart Failure (Graded)

Burial Insurance with Copd (Chronic Obstructive Pulmonary Disease)

This lung disease is found on ALL burial insurance applications. Some companies view this condition more favorable than others. One factor that weighs heavy on your acceptance is if you are currently on oxygen. Oxygen use is a decline for most companies. However, if you have COPD but not currently on oxygen you have some options. Some really good options actually considering the risk with this health condition. Another factor that will determine your eligibility will be if you are currently smoking or not. Here are some examples on how COPD is asked about in burial insurance applications:

lungs

Royal Neighbors of America – During the past 24 months, has the proposed insured been diagnosed as having, or been treated for Chronic Obstructive Pulmonary Disease (COPD)? (Graded)

Mutual of Omaha – has the proposed insured EVER (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for Chronic Obstructive Pulmonary Disease (COPD)? (Graded)

Liberty Bankers Life – Have you ever been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for Chronic Obstructive Pulmonary Disease (COPD)? (Preferred Standard) No time frame is asked. Day 1 coverage.

Full Article on Buying Burial Insurance with COPD

Burial Insurance with Diabetes

ALL burial insurance applications list Diabetes. We help Diabetics obtain burial insurance on a daily basis. We got you covered here and know how to find the cheapest rates. Preferred coverage – Day 1 coverage is often the result. A few factors that could determine which level of coverage you qualify for: What age were you diagnosed? What age did you first use insulin? How many units of insulin do you use daily? Any complications from diabetes? Here is how burial insurance companies list diabetes on their applications:

diabetes

Royal Neighbors of America – Has the proposed insured EVER been diagnosed as having or been treated for Insulin shock, diabetic coma, amputation caused by disease, or taken insulin shots prior to age 30? (Decline) If no complications and after age 30 (Preferred) Neuropathy OK.

Mutual of Omaha – has the proposed insured EVER (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for Diabetes before age 50 or diabetes at any age with complications of Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve), or Peripheral Vascular Disease (PVD or PAD)? (Graded)

Liberty Bankers Life – Have you ever been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for Insulin use before age 25? (Standard) If after age 25 (Preferred) This assumes no complications.

United Home Life – In the past 2 years, have you been diagnosed or treated for, or currently under treatment for Diabetes requiring insulin treatment? (Deluxe) Immediate coverage No Insulin (Preferred)

Full Article on Buying Burial Insurance with Diabetes

Burial Insurance with Diabetic Coma

Serious condition that is listed on MOST burial insurance applications.  Only a few companies don’t list this on their applications. The most important factor when determining your level of coverage is when did the coma occur. Some burial insurance companies lookback 5 years but mostly 2 years seems to be the norm. Let’s take a peak how some companies list Diabetic Coma on their application:

diabetes

Transamerica – Has the proposed insured EVER been in a diabetic coma or had or been advised to have an amputation due to disease or disorder? (Decline)

Royal Neighbors of America – Has the proposed insured ever been diagnosed as having or been treated for insulin shock, diabetic coma, amputation caused by disease, or taken insulin shots prior to age 30? (Decline)

Mutual of Omaha – Has the proposed insured EVER been diagnosed with diabetic coma? (Decline)

Liberty Bankers Life – Within the past 2 years have you been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for diabetic come? (Modified) If longer than 24 months (Preferred)

Standard Life and Casualty – Within the past 60 months have you been treated by a member of the medical profession for diabetic coma? (Decline)

Aetna (American Continental) – Not listed on application. (Preferred) Assuming not aren’t taking more than 40 units of insulin daily.

Burial Insurance with Heart Attack

Heart disease is the leading cause of death for both men and woman. Heart attack is listed on ALL burial insurance applications and its very common among applicants. Once again like most conditions, the time of when the complication occurred is very important when determining your coverage. Most companies will offer preferred coverage after 24 months. It’s important to use a broker like Assurance Life when shopping for burial insurance if you recently had a heart attack. Having access to multiple companies could save you time and money. Here are a few examples of how heart attack is listed in burial insurance applications:

surgery

Mutual of Omaha – In the past 2 years, has the proposed insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for heart attack? (Graded) If longer than 2 years (Preferred)

Royal Neighbors of America – During the past 18 months has the proposed insured been diagnosed as having heart attack or failure? (Decline)

Liberty Bankers Life – Within the past 2 years have you been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for heart attack? (Modified) If longer than 24 months (Preferred)

Aetna (American Continental) – Within the past 12 months, have you been diagnosed or treated by a medical professional or had surgery for any of the following – heart attack? (Modified) Months 13-24 would be (Graded) If longer than 24 months (Preferred)

Full Article on Buying Burial Insurance after a Heart Attack

Burial Insurance with Height/Weight Obesity

Most companies will use a height and weight chart to determine your eligibility during the underwriting application process. However, we have access to few companies that will take all heights and weights. Once again, yet another reason to use a broker like Assurance Life for your burial insurance needs. Here are a few companies that will allow ALL heights and weights:

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Royal Neighbors of America: doesn’t ask height or weight on application

Transamerica – doesn’t ask height or weight on their application (45-85 ages)

Aetna (American Continental) Does ask height or weight on application but all heights and weights are accepted.

Lincoln Heritage – doesn’t ask height or weight on their application

Burial Insurance with Hepatitis – (Liver Disease)

Some common factors that will determine your acceptance: what type of hepatitis do you have? Treated or untreated? Chronic or not? Most companies will list Hepatitis on their applications including liver disease and liver failure also.  Note: if you are currently on dialysis a guaranteed issue policy like AIG would be your best bet. Preferred coverage can be available depending on what type of hepatitis you have. Here are some burial insurance application questions concerning Hepatitis:

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Liberty Bankers Life – Have you ever been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for UNTREATED hepatitis C and kidney failure or dialysis? (Decline) -Have you ever been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for chronic hepatitis, hepatitis C, cirrhosis of the liver? (Preferred Standard) No time frame is asked. Day 1 coverage if treated.

United Home Life – In the past 2 years, have you been diagnosed or treated for, or are you currently under treatment for liver disease (including hepatitis B or C)? (Graded)

Royal Neighbors of America – during the past 24 months, has the proposed insured been diagnosed as having, or been treated for Cirrhosis or Liver Disease? (Decline)

Mutual of Omaha –  has the proposed insured EVER (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for Hepatitis C? (Graded) Cirrhosis EVER is (Decline)

Burial Insurance with Kidney Dialysis

Lots of factors on Kidney Dialysis. Currently, Previous or no dialysis ever. Important to use a broker like Assurance Life to help assist you with this issue. If you are currently on dialysis then a guaranteed issue product like AIG will be your best bet. Let’s take a look on how kidney dialysis is listed on burial insurance applications:

hospitals

Previous Dialysis:

United Home Life – In the past 2 years, have you been diagnosed or treated for, or are you currently under treatment for kidney disease (including dialysis)? (Modified)

Family Benefit Life Insurance – During the past 24 months have you begun prescribed medication for, been hospitalized for, or been diagnosed as having kidney insufficiency or failure? (Graded)

Royal Neighbors of America – during the past 24 months, has the proposed insured been diagnosed as having, or been treated for Cirrhosis, Liver Disease, kidney failure (including dialysis) and chronic kidney disease? (Decline)

Kidney disease without dialysis:

Aetna (American Continental) – application only asks about kidney disease requiring dialysis.

Full Article on Buying Burial Insurance when on Dialysis

Burial Insurance with Lupus (Systemic)

This chronic condition is found on most burial insurance applications. Treatment can vary depending on severity, so medications prescribed could change what type of coverage you qualify for. However, most burial insurance companies WON’T offer preferred coverage with this health condition. But, Assurance Life does have some companies that will. Let’s look at how burial insurance companies ask about Systemic Lupus on their applications:

lupus

Mutual of Omaha –  In the past 4 years, has the proposed insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for systemic lupus? (Graded)

Royal Neighbors of America – during the past 24 months, has the proposed insured been diagnosed as having, or been treated for systemic lupus? (Decline)

Liberty Bankers Life – Have you ever been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for systemic lupus? (Standard) Day 1 coverage

United Home Life – In the past 2 years, have you been diagnosed or treated for, or currently under treatment for SLE (Systemic Lupus Erythematosus)? (Deluxe) Immediate coverage

Burial Insurance with Multiple Sclerosis

This nervous system disease is found on most burial insurance applications. If Multiple Sclerosis isn’t specifically listed some companies ask about Neurological Disorders which MS would fall under. Not much grey area here. You either answers yes or no to MS or to a Neurological Disorder. Here are some application questions on how Multiple Sclerosis is asked:

seniors

Royal Neighbors of America: During the past 24 months, has the proposed insured been diagnosed as having, or been treated for Neuromuscular disease including Multiple Sclerosis? (Graded)

Mutual of Omaha – In the past 4 years, has the proposed insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for Multiple Sclerosis? (Graded)

Liberty Bankers Life – Have you ever been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for Multiple Sclerosis? (Decline)

Foresters – doesn’t ask about Multiple Sclerosis on the application. (Preferred)

Burial Insurance with Stent (Heart Stents)

All companies will ask about stents in their applications. Usually, in the same question as heart attacks and pacemakers also. Like most health conditions time of occurrence is the biggest factor. Usually, after 24 months of having your stent or stents put in most companies will offer preferred coverage. Of course, this assumes no other complications. Here is how burial insurance companies ask about Stents in their applications:

stents

Royal Neighbors of America: – During the past 18 months has the proposed insured been diagnosed as having heart surgery? (Decline) – During the past 24 months (Graded) Preferred after 24 months.

Liberty Bankers Life – Within the past 2 years have you been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for circulatory surgery or stent? (Modified)

Mutual of Omaha – In the past 2 years, has the proposed insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for Coronary Artery Bypass Surgery? (Graded)

Burial Insurance with Strokes & TIA (Transient Ischemic Attack)

Very common on burial insurance applications. No companies will offer preferred coverage if you just recently had a stroke. TIA (mini stoke) could be a different story if placed correctly. Some companies rate stroke and TIA differently. Let’s see how Strokes & Transient Ischemic Attack show up in burial insurance applications:

strokes

Royal Neighbors of America: During the past 18 months has the proposed insured been diagnosed as having: stroke? (Decline) 19-24 months (Graded) After 24 months (Preferred)

TIA (mini stroke) preferred

Mutual of Omaha – In the past 2 years, has the proposed insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for Stroke or Transient Ischemic Attack (TIA)? (Graded)

AIG (Guaranteed Issue) accepts all health conditions with 24 month ROP (10% return of premium)

Burial Insurance with Tobacco Users

We list tobacco users just because it comes up often. We hear all the time… how do I get the best smoker rates when shopping for burial insurance? We answer these question on a daily basis. So here is the deal. Some companies offer Non-Smoking rates for different tobacco users. For Example: Chewers, Pipe Smokers, Cigar Smokers can qualify for non-tobacco rates with some companies. You can save LOTS of money if placed with the correct company. Here are some examples of how tobacco is asked about in a few burial insurance applications:

cigarsmoker

Sentinel Security – has the proposed insured used any nicotine products in the past 12 months (excluding occasional cigar/pipe use)?

Aetna (American Continental) have you used any form of tobacco in the past 12 months?

Mutual of Omaha – In the past 12 months, has the proposed insured used any form of tobacco or nicotine replacement therapy?

Equitable – Have you smoked cigarettes in the past 12 months?

Settlers – Has the proposed insured smoked cigarettes in the past 12 months?

Liberty Bankers Life – Have you used tobacco, nicotine or e-cigarettes in any form in the past 12 months?

Full Article on Buying Burial Insurance for Smokers

Burial Insurance with Wheelchair Usage

Is found in most burial insurance applications. Lots of different wording in applications depending on the company. Let’s see how burial insurance companies view wheelchair usage in their applications:

wheelchair2

Royal Neighbors of America – Is the proposed insured currently confined to a wheelchair? (Decline)

Mutual of Omaha – Is the proposed insured currently requiring any of the following: wheelchair or electric scooter? (Decline)

Liberty Bankers Life –  Within the past 2 years have you been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for: used a walker, wheelchair or electric scooter due to chronic illness or disease? (Modified) Preferred if not because of chronic illness or disease.

United Home Life – doesn’t mention wheelchair usage in the application. (Preferred)

Americo – Is the proposed insured now or within the six months: confined to a wheelchair or using a walker for a chronic illness?

AIG – GI policy doesn’t ask any health questions. 24 month – ROP

Gerber – GI policy doesn’t ask any health questions. 24 month – ROP

 

 

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About AssuranceLife.org

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