Burial Insurance For Cancer Patients

First and foremost, If you or someone in your family is fighting against cancer, we here at InsuranceForBurial.com pray that you beat cancer forever…

Call us to get more help and accurate details for your best burial insurance option for qualified health impairments.

Burial insurance or final expense insurance for cancer patients whether the cancer is over 2 or more than 3 years ago, is important for every age.

Especially for the middle-aged and senior citizens who should be enjoying the rest of their life without worries of final expenses.

It is important for our loved ones that will be left behind to be free from the uneasiness of the financial burden from paying burial and funeral costs that sometimes goes out of hand when the time comes.

As a cancer patient, it is important to secure a burial insurance plan for peace of mind and to enjoy life more with loved ones.



Burial Insurance Cost and Approval For Cancer Patients Depends

It is important to remember that rates and chances of approval for cancer patients all depends on their survival rate and how their cancer can be easily treated.

For example, cancer patients with Melanoma is the most aggressive type of skin cancer. In fact, with approximately 76,000 new cases diagnosed yearly in the U.S. will have a difficult time to apply for a policy.

Whereas, applicants with non-life threatening types of cancer like basal or squamous cell carcinoma are not an issue. These will not affect burial insurance application and policy costs.

Cancer mortality rate is higher for men than women.

When comparing groups according to race/ethnicity and sex, the rate for cancer mortality is highest in African American men.

Lowest for Asian/Pacific Islander women according to the National Cancer Institue.

With that being said, if you are still undergoing treatment we are able to obtain coverage with no health questions, medical exam or retrieving medical records.

Our guaranteed issue life insurance with AIG will be able to cover any funeral expense regardless of health issues.


4 Types Of Policies Available For Cancer Patients

Usually, there will be only 3 types of burial insurance policies available for cancer patients. Although life insurance companies will vary on insurance quotes. It is important to speak to a burial insurance specialist.

Level policies are for former cancer patients who have no recurrence of cancer for the past 24 months after receiving treatment. You must be of excellent health to be offered a level burial insurance policy with the lowest rates and instant active coverage.

Graded policies are for cancer patients with a good outlook on their condition. And have the lowest cost with a 2-year waiting period to get active insurance coverage for applicants with active cancers.

Modified policies are for more serious cancer conditions and have a more expensive cost or premium with also 2 years waiting period for current cancer patient applicants.

Guaranteed Issue policies have the highest cost and have a 2 year waiting period to have active coverage. This type of policy is usually offered to cancer patients who are terminal and has the poorest outlook. 

So it is important to realize your probability of survival to understand what type of final expense insurance policy you are being offered.

Again, if treatment is over 2 years ago then a simplified issue burial policy will be available.

Also, all cancers are different. Having stage 3 breast cancer will be different than having stage 1 thyroid cancer.

If it is a terminal illness, then we have guaranteed acceptance carrier that can assist.


Common Questions Being Asked By Burial Insurance Companies

Burial insurance companies will ask a lot of questions regarding your cancer condition.

So it is important to know the kinds of questions that will affect your qualification and burial insurance costs.

Moreover, it is important to know that if you get caught in a lie or even an honest mistake in answering insurance company questions, it will result in higher cost, receive a low benefit claim or completely deny your claim when the time comes.

Here is a list of common questions that burial insurance companies will ask:

  • How many times were you diagnosed with cancer?
  • What is your cancer diagnosis?
  • When were you initially diagnosed with cancer?
  • What is your cancer’s stage?
  • Do you have tumors?
  • Where did/do you have tumors?
  • What type of cancer treatment did you receive?
  • Did your cancer metastasized and spread to other parts of your body?
  • When did you last received cancer therapy treatment?
  • Did your cancer recur?
  • Are you free from cancer now?
  • Did you have this disease within the last 2 years?

Depending on the burial insurance company, answering yes to some of these questions will have your burial insurance application rejected right away.

Every burial insurance company has different rules and guidelines for final expense qualification.

Burial insurance for Cancer Patient
Sick grandmother with headscarf stroking dog while sitting on sofa at home

Top Cases Where Cancer Patients Will Get Rejected Or Pay A Higher Rate For A Burial Insurance Policy.

Currently A Cancer Patient And Burial Insurance

Insurance companies will directly reject you if you are currently fighting this awful disease with a low chance of survival.

Burial insurance companies will also categorize applicants who are currently taking any kind of medication or therapy meant to treat cancer as a cancer patient.

Also, getting approved for burial insurance might be difficult for current cancer patients as they are categorized as “higher risk clients” by burial insurance companies.


Metastatic Cancer And Burial Insurance

Burial insurance companies will always ask if you had metastatic cancer and if that’s the case, then your application will most likely get rejected right away by a lot of insurance companies.

At the same time, metastatic cancer patients particularly are a higher risk for burial insurance companies because of their very low survival rate.


Burial Insurance And Having Had Cancer Within The Last 2 Years

Burial insurance companies will ask applicants if they have had cancer within the last 2 years. Depending on cancer that applicants have had, there will be an added minimum of 2 years waiting period before getting an active insurance coverage.

Applicants who have had cancer and is currently free from cancer from the last 2 years will receive instant coverage approval.


Burial Insurance And Having Multiple Occurrences Of Cancer Diagnosis

All of the insurance companies will certainly ask if you have or had more than one cancer diagnosis or if the same type of cancer occurred again.Your application will be flat out rejected if that is the case.


Malignant Brain Tumors And Burial Insurance

Burial insurance companies understand the high risks for applicants with a malignant brain tumor. There will be more questions if the applicant has a benign or malignant brain tumor so it’s best that the applicant must always have someone for assistance when applying.    


Sarcoidosis Patients and Burial Insurance

Above all, sarcoidosis diseases is not a type of cancer, but insurance companies categorize it like having cancer because of the increased risk of it progressing to cancer. Furthermore, there is a higher increased mortality rate every year.

After all, applicants with sarcoidosis are amongst the ones who will have a hard time getting good rates or even be approved for a policy.  


So, is there hope for cancer patients getting good rates and a guaranteed insurance policy?

YES, there are burial insurance companies that will still approve final expenses insurance policies for cancer survivors. Depending on your cancer condition and how long you’ve had it.

In fact, some burial insurance companies will offer plans that will require a specific waiting period with additional costs or some kind of penalty clause to guarantee a final expenses insurance plan to pay the funeral home.

So it is important to consult with a highly experienced and licensed Burial Insurance Specialist to know how you can qualify and still get the best deal for a final expense insurance plan or funeral insurance.


InsuranceForBurial.com with A+ rated burial insurance companies

Here at InsuranceForBurial.com, our top-rated A+ burial insurance companies can approve burial insurance for cancer patients with SAME DAY INSTANT APPROVAL.

Contact one of our final expense insurance specialists that specializes in burial insurance for cancer patients.

Additionally, we also specialize in other diseases that aims to offer same day, instant coverage in under 30 minutes.

We work with top A+ rated burial insurance companies in your state while providing easy no-nonsense application process with voice signature application.

For more information about Cancer, CLICK HERE.

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