Quick Tip: To get the best affordable quotes from top-rated A+ insurance companies, please fill out the quote tool on the right.
Article Easy Navigation
- Burial Insurance for People with Cystic Fibrosis
- Cystic Fibrosis and final expense insurance companies
- Cystic Fibrosis underwriting process of final expense insurance companies
- Health questions in the underwriting
- Medication and treatment history assessment
- CF Specific Medications
- Other minor treatments for CF that won’t be an issue
- Underwriting conflicts due to Bronchodilators
- Lung Transplant and Burial Insurance
- Burial insurance companies various coverage plans for Cystic Fibrosis
- How to find the best burial or final expense insurance for cystic fibrosis at the lowest cost
If you or a loved one is dealing with Cystic Fibrosis and would like to get better assistance with securing a burial or final expense insurance, please don’t hesitate to call us, we’ll gladly help you!
Burial Insurance for People with Cystic Fibrosis
Cystic fibrosis (CF) can be very hard to deal with. CF along with the different breathing problems, digestive issues and the fact that it can cause shorter than expected life spans.
That’s why we respect and admire you for taking the necessary steps in being prepared by trying to get the best final expense insurance for when the time comes.
Living your life with CF can be very difficult, but you don’t have to endure more hardships when finding a low-cost burial coverage.
We here at InsuranceForBurial.com can certainly help you find the best affordable insurance coverage at the lowest price possible for CF.
CF is on our qualified health impairment list for day one coverage even though it is a pre-existing condition.
Cystic Fibrosis and final expense insurance companies
The Good News
There are a lot of top-rated A+ insurance companies that do not take issues with CF at all, they won’t even mention cystic fibrosis in their underwriting health questions, this would mean that they are not in the lookout for CF— with reason you can safely assume that it’s not a real threat to these burial insurers.
The reason why these top-tier insurers in the country don’t consider this disease a threat because all newborns in the U.S. are screened for CF which means early detection.
Early detection will allow the patient to receive early prevention or therapies for symptoms and infection with cystic fibrosis.
In today’s advancements in medicine, people who are predisposed with CF have a very good chance to push the boundaries of their age of survivability.
Top-rated A+ burial insurance companies that welcome applicants with CF
knows that with regular therapies, healthy lifestyle and infection prevention— people with cystic fibrosis
can lead happy active lives.
These are the reasons why applicants with cystic fibrosis can easily be offered the lowest priced burial or final expense insurance plan with immediate coverage starting from day 1, this means no waiting period.
This plan is usually called “simplified”, “preferred”, or “level” by the insurance companies. Another good thing is that you will never have to go through a medical or physical exam.
The Bad News
Now, on the flip side, here are some of the common conflicts with CF that can negatively affect the insurance policies that you will be offered.
there are other burial insurance companies that will mention or describe cystic fibrosis in their underwriting questions which means you have to answer yes. This may simply mean that they do not have low priced insurance plan for someone who has CF- or they will reject the application.
CF mainly affects the lung’s airway, so certain bronchodilators that are also used for chronic bronchitis and emphysema COPD management may potentially place you in a high-risk category.
If your doctor advised that you need to have access to oxygen at all times or you need a lung transplant, you will definitely won’t be able to secure a simplified coverage.
All in all, the possible quality and price of the insurance plans that you can be offered depends on the severity of your CF.
So, how can you qualify for a simplified insurance policy? You need to go through an underwriting process.
Cystic Fibrosis underwriting process of final expense insurance companies
In the underwriting process, you will be asked other health questions about other diseases that you may have in the past and present that they will take issues with.
Essentially, final expense insurance companies will assess all aspects of your health to know what kind of coverage they can afford to offer to match your level of risk.
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
Most insurance companies that are top-rated will not mention cystic fibrosis or describe it as a question.
If you happen to see CF mentioned in the underwriting questions because you tried applying yourself or you work with an insurance agency that has managed to put you on the spot with an insurer that is strict with CF, you may encounter these questions:
Have you ever been diagnosed or advised treatment for cystic fibrosis?
There are some insurance companies that consider CF to be chronic lung disease, they may ask questions that normally would describe chronic lung diseases like emphysema or chronic bronchitis.
They may ask this broad question: Have you ever been treated for chronic lung symptoms?
Since you have CF and you encountered an underwriting insurer that red flags it, you have no choice but, to tell the truth, you need to say yes.
Since they asked CF in their underwriting process and you have it, expect their insurance offers to be at higher premiums that may come with a waiting time period.
If you encountered CF being mentioned in the underwriting process, obviously, you did not contact us here at InsuranceForBurial.com. *wink*
There are other questions about other diseases that you may or may had, although they may sound as plain as it is, you need to be careful in answering them- because answering hesitantly will oftentimes lead you to coverage offers you do not want.
In situations like these, it’s crucial to consult with a highly experienced Final Expense Insurance Specialists that can expertly assist you with answering these underwriting questions tactically with the utmost truth to get you the best possible coverage plan.
Medication and treatment history assessment
is another due diligence done by insurance companies to discover serious health
issues that might not have been answered correctly or truthfully in the health
questions of the underwriting process.
With the help of computer programs, they can easily review your prescribed medication history. They will know every prescription that you have been given, by knowing what medications you were prescribed- they will know what diseases you have or had.
As far as the insurance company is concerned, if you are prescribed with medication for a disease, then you have that disease.
Here are the common types of medications for Cystic Fibrosis
- Anti-inflammatory medications for lung airways
- Antibiotics for the lungs
- Mucus thinning drugs
- Oral pancreatic enzymes to help better absorption of nutrients in the digestive system
The only medication above that might cause some problems are the bronchodilators because it is also used for types of COPDs like chronic bronchitis and emphysema, also asthma.
CF Specific Medications
Here are some of the few medications that are specifically for CF treatment. If you have filled a prescription for any of these medications, the insurance company will automatically consider you as a CF patient.
- Dornase Alfa (Pulmozyme)
- Ivacaftor (Kalydeco)
- Orkambi (Lumacaftor/Ivacaftor)
Other minor treatments for CF that won’t be an issue
- Airway Clearance Techniques: There are a variety of non-invasive methods used to clear the airways of the lungs from thick mucus.
- Feeding Tube: You may need to be fed a formula via feeding tube while asleep for additional food supplements for needed nutrients.
- Bowel Surgery: A common symptom of CF is bulky stools, a bowel surgery might be needed.
- Endoscopy and Lavage: Vacuum suction of mucus from obstructed airways via endoscope.
- Nasal Polyp Removal: nasal polyps in those is another one of the common symptoms of CF.
Underwriting conflicts due to Bronchodilators
Asthma, emphysema and chronic bronchitis COPD can all be prescribed with bronchodilators, for this reason, there might be some conflicts if you only have CF.
Insurers might consider you having asthma or one of the COPD type or both- this can really turn into a terrible conflict as some insurance companies might be perfectly fine with CF but have strict guidelines with emphysema.
Lung Transplant and Burial Insurance
As we mentioned earlier, if you were advised to have a lung transplant because of cystic fibrosis, you will be ineligible for any insurance plan that has underwriting.
Your only option for insurance coverage is a Guaranteed Issue (GI) policy. This policy has no underwriting process- no health questions and no reviewing of medication and treatment history. We can basically get you approved with this in less than 30 minutes.
A GI policy will cost more in monthly premiums (compared to insurance plans with underwriting) and it will have a waiting period of 24 months. A waiting time period is applied as a precaution for clients with the highest risk of being terminal.
Generally, if you have gone or advised to have an organ or tissue transplant will inevitably have the GI plan as the only option for burial or final insurance coverage. There are top-rated insurance companies that offer the lowest cost of GI plans. We can certainly help you secure the best one.
If you are prescribed for oxygen therapy by your doctor for any reason, this can mean that your only possible option is a “Guaranteed Issue” (GI) plan.
If you will need oxygen and you are set to securing a final expense insurance plan, we encourage you to secure a GI plan.
companies that don’t have a GI plan to offer will reject any applicant that is
prescribed to have oxygen.
Burial insurance companies various coverage plans for Cystic Fibrosis
After going through the underwriting process with the health questions and medication history assessment, insurance companies will categorize you and offer you coverage plans according to your category.
Always keep in mind that every insurance company will have its own standards in assessing your overall health and have different insurance policy qualifies.
Here are the most common offers you may get from final expense insurance companies for CF:
1) Lowest rates and with immediate coverage (no waiting time period)
A simplified insurance plan will have the lowest monthly premiums with no waiting time period, this means immediate insurance coverage starting from day 1 with full death benefits for your beneficiaries.
There are a lot of top-rated A+ insurance companies that can offer a simplified plan for cystic fibrosis and we represent dozens of them.
Please fill in the easy to use quote tool on the right to check the rates of different top-rated insurance companies in your state.
2) A policy with a higher monthly premium
This will still come from a top-rated insurance company and will be the second-best option if you did not qualify for a simplified policy.
This is still a good plan, although the fee is a bit higher, the great thing about this plan is that the coverage will be instant starting day 1.
3) A percentage will be paid immediately or more after some time
This is commonly called a “Graded plan” With higher premiums and a percentage of payout per year.
- 30 to 40% on the 1st to 12th months
- 70 to 80 % on the 13th to 24th months
If you complete
the 24 months waiting period, your beneficiaries will be paid the full death
4) A combination of higher premium and a full waiting time period
Now this will be offered to applicants with the highest-risk.
This is a common type of policy on a lot of insurance companies for applicants that they deem at the highest risk. This is pretty much straight forward, this will be at a higher monthly premium with a minimum of 24 months waiting time period.
Insider Tip: You should compare a Guaranteed Issue plan with the obe above, you can ask one of our independent Final Expense Insurance Specialists for advice which option is the best for you.
5) Guaranteed Issue (GI) Plan
Like what has been discussed on the Lung Transplant for cystic fibrosis, this will be your last resort.
As the name suggests, you are guaranteed to be accepted given that you are legally capable of entering into a contract. There will be no questions asked or no medication history review to go through.
We can certainly have you approved with a GI plan within 30 minutes via phone call.
Given the highest risk that the insurance companies are willing to take, the monthly premiums will be higher and will strictly have a 24 months waiting time period. Also, if you pass away anytime within the waiting time period, all of your payments will be refunded with 10% to your beneficiaries.
How to find the best burial or final expense insurance for cystic fibrosis at the lowest cost
The qualities that you should be looking for in a coverage plan are the following:
- The one with the lowest monthly premium of all insurance companies that can offer a simplified plan.
- The policy has the highest benefit payment with immediate coverage.
- The insurance company is financially stable with a proven track record.
We here at InsuranceForBurial.com can
exactly get you those coverage qualities!
We are an independent insurance agency with a team of seasoned 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.
We have the driving passion to make sure that EVERYONE, no matter what their health issues are, gets the best burial or final expense insurance in the market!
We have a masterful knowledge of the underwriting questions and rates of every top-rated burial or final expense insurance company that we represent.
What we only need from you is a little bit of your time to know your details.
With your details, we can absolutely tell you which company will offer the best possible insurance plan no matter how severe your cystic fibrosis is.
Talk to us now! We promise you a simple no non-sense interview process with no pressure at all whatsoever.