Is your burial insurance up to date? If you have been diagnosed with fibromyalgia, it is important to know what your options are in regards to burial insurance. In this blog post, we will go over the different types of coverage and potential costs associated with each.
- Final Expense Insurance For Fibromyalgia
- Fibromyalgia And Final Expense Insurance Companies
- Fibromyalgia Underwriting Process Of Final Expense Insurance Companies
- Can You Get Life Insurance With Fibromyalgia
- Is Fibromyalgia A Pre Existing Condition In Burial Insurance
- Final Expense Insurance Specialist
- Final Expense Insurance Florida
Final Expense Insurance For Fibromyalgia
Fibromyalgia and life insurance, the real truth! Having Fibromyalgia in your life can be painful and stressful, waking up only to feel tired and not being able to perform or focus at work.
Fortunately, getting a low-cost burial or final expense insurance for Fibromyalgia can be easily stress-free! In fact, Fibromyalgia is on our qualified health impairment instant approval list.
We here at InsuranceForBurial.com have successfully helped a lot of good people dealing with fibromyalgia by finding the best low-cost insurance coverage with immediate protection for them.
Now let us help you acquire the best Burial insurance for fibromyalgia.
Fibromyalgia And Final Expense Insurance Companies
Let’s start with the bad news… Fibromyalgia life insurance
Let’s start with the bad news just to get it out of the way…
Because there’s practically none! The only way you won’t be able to get the lowest cost and immediate coverage is that if you have other serious diseases along with Fibromyalgia or you smoke or drink a lot of alcohol, etc.
But there is no way that fibromyalgia alone will affect the price and quality of the insurance plan you’ll be offered.
The good news
You won’t need to take medical exams, get laboratory tests, submit medical records, etc. You just need to answer some health questions in the underwriting process.
It is extremely rare that insurance companies will ask or mention fibromyalgia in their underwriting health questions.
Unless you have other serious health issues, If you only have fibromyalgia, you basically can choose any insurance company out there and they will offer you the lowest price they can give with no waiting time period- this means immediate insurance coverage starting from day one- this plan is usually called “simplified”, “preferred”, or “level” by the insurance companies.
Now, we know you wouldn’t just jump the gun on any insurance company out there that will offer you a simplified insurance plan… right?
If you want to get the best deals from the country’s top-rated A+ insurance companies. Please feel free to use the quote tool at the right side of this page. You will be glad that you did!
So, how exactly can you get a simplified insurance policy with fibromyalgia? You must need to go through an underwriting process.
Fibromyalgia Underwriting Process Of Final Expense Insurance Companies
In the underwriting process, you will be asked health questions about other diseases that you may have in the past and present that the insurer will take issues with.
Your prescribed medication history will also be reviewed to doublecheck if you have other pre-existing diseases at the present or usually within 2 years look back. Basically, the insurance company will know what disease that you may have or had just by learning what was prescribed to you.
Basically, insurance companies will review your overall health to know what risk level you are at and what kind of coverage they can afford to offer to you.
In the underwriting process, insurance companies will ask about the following:
- Questions about your present and past diseases (if there’s any) and lifestyle.
- Prescribed medication history assessment.
Health questions in the underwriting
It’s a good thing that a lot of final expense insurance companies do not ask about fibromyalgia, it means it’s not a serious or high-risk disease to them.
In fact, we have yet to see fibromyalgia on a set of underwriting questions from burial insurers- that’s how disregarded fibromyalgia is as a none threatening condition!
As a rule of thumb on the underwriting, health questions is that if the disease is asked, then it’s a high risk for them. On the other hand, if the disease or condition was not asked, they will be fine with it and offer a simplified insurance plan.
Can You Get Life Insurance With Fibromyalgia
Prescribed medication history assessment
This is one of the due diligence processes that insurance companies will take measures to discover other serious health issues that may have been omitted in the underwriting health questionnaires that they might take issue with as well.
There are no drugs to exclusively treat fibromyalgia. Lyrica (Pregabalin) was first approved to treat fibromyalgia- but today, it is also prescribed to treat other conditions like neuropathy and seizures in addition to fibromyalgia.
The kinds of medications prescribed to treat a patient with fibromyalgia are:
- Anti-seizure drugs
- Pain relievers
Now, these medications might cause some issues with other insurers.
No worries! We have access to top-rated insurance companies that are perfectly fine with depression and seizures or epilepsy, but on the other hand, some companies will be strict with both conditions or one of them.
This is one of the situations where it’s critical that we go through the underwriting with you and the remaining steps to secure the lowest cost insurance coverage with immediate coverage.
Get in touch with one of our highly experienced Final Expense Insurance Specialists, they are amazing! they can expertly tell you which top-rated insurance company will view your condition the best.
Fibromyalgia and Diabetes
Having both fibromyalgia and diabetes won’t cause any issues with insurance companies. The only issue that may come from this is the combination of drugs that you might be taking or prescribed, which could affect the insurance policies to be offered. This will make more sense in the following paragraphs below.
Is Fibromyalgia A Pre Existing Condition In Burial Insurance
Medications That Are Often Prescribed For Fibromyalgia Patients
- Gralise (Gabapentine)
- Lyrica (Pregabalin)
The drugs mentioned above are also prescribed to treat patients that are suffering from neuropathy. Neuropathy is a disease or dysfunction of one or several peripheral nerves that typically cause numbness or weakness.
Remember the drugs above are referred to as dual-purpose drugs that can be used to treat patients with fibromyalgia and or neuropathy.
Now, Neuropathy is a serious progression of diabetes that is called diabetic neuropathy.
So here’s a rule that would make sense with the things mentioned above
If you have diabetes and then taking medications for fibromyalgia, you might be assessed with having diabetic neuropathy.
Now, don’t be alarmed with this, we have access to top-rated insurance companies that will not charge more or put a waiting time period if your medications would lead insurers to assume you have diabetic neuropathy.
Burial Insurance Companies Insurance Plan Offers For Fibromyalgia
Really, the bottom line with having fibromyalgia while finding a burial or final expense insurance coverage is that if you have no other serious disease, no high-risk treatment or you don’t smoke, etc. a simplified insurance plan will be easily offered by any burial insurer.
If this is your case, please use our quote tool on the right to get the best insurance plans with the lowest cost from top-rated insurance companies.
On the flip side, in the situation where you’re dealing with other high-risk diseases or had major treatments, there’s no need to worry as well. We can still find you other insurance companies that may still offer a simplified insurance plan.
In the case that a simplified coverage is really off the table, there’s still no need to stress about it, we can still have you qualified for the next best policies from top-rated insurance companies.
How To Find The Best Burial Or Final Expense Insurance If You Have Fibromyalgia
Here’s a COMPLETE list of the qualities that you should be looking for in an insurance plan and the insurance company that offers it:
- Lowest monthly premium by shopping you to the best carriers
- The insurance company that can offer a simplified plan for fibromyalgia.
- Best Carrier that can accurately assess dual-purpose medications for a disease conclusion.
- Making sure the coverage has the highest benefit payment that can protect you sooner.
- The insurance company is financially stable with a proven track record.
We here at InsuranceForBurial.com can exactly get you these coverage qualities for fibromyalgia.
We have successfully helped clients with fibromyalgia get a simplified plan from the country’s top-rated insurance companies that have stood the test of time of challenges in the insurance industry.
We are an independent insurance agency with a team of highly experienced Final Expense Insurance Specialists that has access to the country’s top-rated A+ insurance companies that only offers top-tier insurance policies with innovative additional benefits at no extra cost.
Final Expense Insurance Specialist
We have the driving passion to make sure that EVERYONE gets the best burial or final expense insurance coverage in the market! No matter what their health issues are.
We have a masterful knowledge of the underwriting questions and rates of every top-rated burial or final expense insurance company that we represent. With your details, we will only come back to you with the best options for your situation.
Final Expense Insurance Florida
Actually we are licensed and contracted in all 50 states! That is the beauty of final expense insurance specialists at InsuranceForBurial.com. We shop you to dozens of top A+ Rated carriers only!
We got you covered and will hold your hand throughout the entire process. You will get the lowest insurance quotes!
What we only need from you is a little bit of your time to know your details.
Give us a chance to prove all of these to you. We promise you a simple no-nonsense interview process with no pressure at all whatsoever.
When it comes to Fibromyalgia and life insurance, you may not know what the best coverage is for your needs. Fortunately, there are a number of options available that can help make sure you have low-cost burial insurance in place if something were to happen. Contact our team today and we will put together a quote based on your individual circumstances so that you can rest easy knowing that no matter what happens, your family will be taken care of financially should anything occur unexpectedly!