Burial Insurance For Applicants With Arthritis in 2024
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Burial insurance is important for people of all ages, but with a growing number of senior citizens in the United States, it becomes even more crucial.
Arthritis can be a debilitating condition which leads to many limitations and can make everyday tasks difficult.
This article will explore how arthritis might affect your burial insurance application and what you need to do as an applicant to ensure that your needs are met.
Table of Contents
Final Expense Insurance For Applicants With Arthritis
Arthritis can be crippling and we fully understand that which is why we will do all the work for you to get the best and affordable burial or final expense insurance for seniors.
Now, we say this with full confidence that even with Arthritis, we can definitely secure your insurance coverage with the lowest rate and with immediate coverage starting from day 1.
We have a great deal of experience in helping many folks with arthritis and other qualified health impairments. In addition, we only offer the best burial or final expense insurance from top-rated A+ insurance companies.
Our clients were so happy with the insurance coverage we got them that they referred us to their friends!
Now let us help you! We understand that writing may be a challenge for you right now, so we will have a simple interview process over the phone via voice signature application. Even if you have a combination of pre-existing conditions.
Final Expense Insurance Companies And Arthritis
Let’s get straight to the good news! In this day and age of the final expense insurance industry, there is no insurance company for burial insurance that will be strict on Arthritis.
Arthritis will not come up in any insurance company’s health questions in their underwriting process and it won’t matter even if they do find out that you’re dealing with any type of arthritis.
Burial Insurance Arthritis No Medical Exam
A physical or medical exam will not even be an issue with burial insurance companies because they do not require them.
So the bottom line is if you’re dealing with arthritis, you can definitely relax and expect the lowest rate possible with immediate insurance coverage from day 1- this is commonly called a “Simplified” final expense insurance plan.
So, do insurance companies offer simplified insurance coverage right away? Well, not yet, you still need to go through an underwriting process.
Burial Insurance Underwriting Of Arthritis
An underwriting process of an insurance company involves asking health questions and assessment of your prescription history.
Now, remember we mentioned that arthritis will not come up on the health questions in the underwriting process, so if you’re dealing with arthritis alone, you will breeze through the underwriting process- no problem.
It’s as if you did not go through underwriting at all.
Types of arthritis that burial insurance companies are OK with:
- Gout
- Osteoarthritis
- Psoriatic arthritis
- Rheumatoid arthritis
- Septic arthritis
A simplified insurance plan will be offered by any insurance company. But wait!… you would not want just any insurance company right?
Life Insurance With Arthritis
Underwriting Prescription History
Again, like arthritis itself, all common arthritis medications will not be a problem for final expense insurance companies.
Seeing these common arthritis medications on your prescription history will not be an issue at all.
- Azasan
- Azathioprine
- Celebrex
- Hydroxychloroquine
- Imuran
- Methotrexate
- Plaquenil
- Rituxan
So, again, if you are only dealing with arthritis alone, you can expect a simplified insurance plan.
Other Factors With Arthritis That Could Affect Your Insurance Coverage
Now, this is where it’s critical to get in touch with a veteran Final Expense Insurance Specialists that have access to top-rated A+ insurance companies.
On a wheelchair
If you need to be in a wheelchair because of arthritis, other insurance companies will offer insurance plans that will cost more with 24 months waiting period.
In any case with arthritis and wheelchair, we represent top-rated A+ insurance companies that are fine with this.
Rheumatoid Arthritis Help With The Activities Of Daily Living
If your arthritis is so bad that you will need home health care or assistance with your ADLs or Activities of Daily Living, this can affect your qualification for a simplified insurance plan.
Activities of Daily Living include the following:
- Bathing
- Dressing
- Eating
- Taking Medication
- Toileting
If you depend on others to help you with a thing or two listed above, then getting a simplified insurance plan with the lowest rate and immediate insurance coverage will be challenging.
The bad news, in this case, is that other final expense insurance companies will deny your application if you are help-dependent with ADLs.
There are top-rated A+ insurance companies that are completely fine with applicants that need help with their ADLs due to arthritis.
If You Have Been Denied Coverage For Arthritis
Now, for some reason, you still did not qualify for a simplified insurance plan because of a combination of health issues, your next best option would be a “Guaranteed Issue” insurance plan also from another top-rated A+ insurance company.
A good thing about guaranteed issue insurance plan is that there will be no health questions, medical or prescription history assessment whatsoever.
Although this plan has 24 months waiting time period for a full death benefit if you pass away within those months, all payments made will be refunded plus 10% interest.
After 24 months, you will get the full death benefit for the rest of your life.
Again, this wouldn’t be really the case if you’re just dealing with arthritis. Even if you are in need of your ADL, you can still qualify for a simplified plan- but it might be a close call.
So if you think that you might have more issues than just arthritis, please call us and we are happy to help you get the best insurance company possible.
How To Get The Best Burial Or Final Expense Insurance Policy For Applicants With Arthritis
So as we have repeatedly mentioned that arthritis won’t be a problem and that any insurance company will accept you, now the only thing to do is to choose which insurance company will offer the best deal.
We here at InsuranceForBurial.com can help you find the best final expense insurance coverage possible from the country’s top-rated insurance companies.
Affordable Burial Insurance With Arthritis
We are formed by a team of accomplished final expense insurance specialists that has a passion to find the best possible burial insurance policy to anyone who’s dealing with any type of arthritis.
We have over 26 years of experience and are licensed in 49 states. We only offer the best policies from top-rated A+ insurance companies with innovative additional features at no extra costs.
What we only need from you is a little bit of your time on the phone for your comfort and convenience.
For more information about arthritis, CLICK HERE.
Talk to us now! We promise you a simple interview process over the phone via voice signature application.
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Conclusion
If you or a loved one has arthritis, it can be debilitating and make everyday activities difficult.
We know that which is why we’ve made the process of securing burial insurance for seniors with arthritis as easy as possible.
You don’t have to worry about filling out lengthy forms or even paying high application fees because our team will do all the work for you so you get only the best coverage at an affordable rate.
