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- What To Expect When Applying For Burial Insurance on Home Health Care
- Temporary Home Health Care Because Of An Injury Or Temporary Condition
- Conditions That Could Affect The Quality Of Policy Offer
- Examples Of Chronic Illnesses Or Disease That Could Heavily Affect Your Policy Offers
- How To Get The Best Final Expense Insurance For Home Health Care Applicants
Usually, applying for final expense insurance for home health care has little challenges. There are some burial or final expense insurance companies that take home health care lightly.
This being said, you or a loved wouldn’t want just any insurance company. You want the BEST final expense insurance policy from top-rated A+ insurance companies.
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We bring you great news! We can definitely give you the lowest payment rate and immediate benefits coverage for final expense insurance even if you or a loved one is on home health care.
Sounds too good to be true? Yup! But because you want the ideal type of policy, you will need to apply for burial or final expense insurance with an underwriting process.
What To Expect When Applying For Burial Insurance on Home Health Care
Basically, the insurance company will ask you a few questions and then ask your medication history. So let us tell you now that the purpose of these questions and requirements is to know if you are a high-risk client or not.
After all of that, ultimately, the only thing that they are looking for is if you have a present serious illness and or have a poor outlook with regards to overall health that is not acceptable with their standards and regulations.
If you pass, you will be offered a final expense insurance level policy that has the lowest payment rates and with immediate full death benefits.
Temporary Home Health Care Because Of An Injury Or Temporary Condition
These are the common health situations that would probably require you for temporary home health care. The keyword here is “temporary” which is, of course, this is a good thing!
- Temporary impairments because of a stroke
- Slip injuries
- Fall injuries
- Broken bone injuries
- Major surgery wound
- Mild head injuries
Again, the keyword here is “temporary”. These are usually not a problem with getting a level policy. So don’t fear, you’re good!
But what if you fail to get qualified for a level policy? What could be the possible cause?
Conditions That Could Affect The Quality Of Policy Offer
The keyword to remember here is “Chronic” There are health conditions along with home health care that could heavily affect the quality of policy that could be offered. These are the possible health conditions why you can be disqualified for a level policy if you or a loved one is in home health care.
- Wheelchair confinement
- Palliative Care
- Full-blown stroke
- Heart Attack
- Heart Surgery
- Circulatory Surgery
- Chest pains
- Nitro Pills Medication
- Internal cancer
- Liver disease
- Kidney failure
- Chronic Kidney disease
- Systemic Lupus
- AIDS or HIV
- Congestive heart failure
- Organ transplants
- Amputations caused by disease
- Diabetic coma
- Early Insulin usage (30 below)
- Insulin shock
- Dementia or Alzheimer’s
There are some specific timeline conditions from the diseases above that could heavily affect your chance of getting a level policy (lowest payment rates and immediate insurance coverage) from a final expense insurance underwriting process.
It’s usually applicants that are in home health care with a chronic illness that won’t qualify for a level policy.
Examples Of Chronic Illnesses Or Disease That Could Heavily Affect Your Policy Offers
Below are examples of chronic diseases and illnesses that will require home health care:
- Internal cancer
- Terminal cancer
- Chronic heart failure
- Compromised immune system
- ALS (Lou Gehrig’s disease)
- Multiple sclerosis (MS)
- Developmental disabilities
- Veterans’ care (PTSD)
- Alzheimer’s care
- Full-blow stroke
- Parkinson’s care
- Obesity (Severe)
- Severe Asthma
- Severe Arthritis
- Mood disorders (bipolar, depression, cyclothymic)
Along with other lifelong conditions and illnesses, these are amongst the top health conditions along with home health care that will most likely result in higher payment rate policy offers.
As you may know, some chronic illnesses have no cure.
All in all, it is important that you manage your expectations when applying for final expense insurance for home health care because of all the aspects of approval.
How To Get The Best Final Expense Insurance For Home Health Care Applicants
Above all, this is why it’s important to consult with our final expense insurance specialists for us to help you sort out all of the details and advice you the best approach when applying.
If worse comes to worst and you could not get a level policy, we can always help you get a guaranteed issue policy with same day approval in less than 30 minutes.
In fact, if you are on home health care because of a chronic illness, then there should be no time to waste. It’s much better to have final expense insurance now at a guaranteed issue policy.
We here at InsuranceForBurial.com will work with you and find the best options from top-rated A+ insurance companies that will view your present situation best.