What you Need to Know About Final Expense Insurance With Autoimmune Disorders in 2024

Understanding Final Expense Insurance With Autoimmune Disorders is essential because we are aware that selecting the appropriate insurance can often be an overwhelming endeavor.

This concern is often more pressing for those living with chronic health conditions such as autoimmune disorders.

This guide aims to help seniors with autoimmune disorders understand and navigate the process of securing final expense insurance.

While the process may seem daunting, it’s entirely achievable with the right guidance and information.

Understanding Final Expense Insurance

Final expense insurance, often referred to as burial or funeral insurance, is designed to cover the costs associated with end-of-life expenses.

This can include medical bills, funeral costs, legal fees, and other outstanding debts, providing a financial safety net for your loved ones when they need it the most.

What Are Autoimmune Disorders?

Autoimmune disorders are conditions in which the immune system mistakenly attacks the body’s own cells, leading to various health complications.

Over 80 different autoimmune disorders are recognized today, including Rheumatoid Arthritis, Lupus, and Multiple Sclerosis, among others.

Final Expense and Autoimmune Disease

An autoimmune disorder can impact your eligibility and rates for insurance policies, including final expense insurance.

However, having an pre-existing conditions does not necessarily prevent you from obtaining coverage.

Many insurance providers, such as InsuranceForBurial.com, are committed to helping seniors with health complications secure insurance coverage.

  • Crohn’s Disease – A form of IBD or inflammatory bowel disease, it causes everything from diarrhea to damage in the intestines. It can be treated with any number of medications, but it can also be very difficult to manage and live with. Some of the medications used for treating it make it difficult to get burial insurance or final life expense coverage
  • Scleroderma – This is a rheumatic issue that causes the body’s connective tissues to harden. It may not be progressive, but it is chronic. It varies from person to person and can range from mile to severe and irreversible. In fact, there are no medications or remedies for it, and this may be a reason that finding burial insurance when diagnosed with an autoimmune like scleroderma is difficult
  • MS (Multiple Sclerosis) – This is when your immune system goes after nerves and causes all kinds of problems. Each person varies in how the condition manifests, but it may cause muscle issues, weakness, blindness, paralysis and more. Some of the medications used for treating it make it difficult to get burial insurance or final life expense coverage
  • Arthritis – Rheumatoid arthritis attacks the joints and leads to inflammation, pain and chronic swelling. It can lead to permanent damage and disability. It has some medications and treatment options, but may also make it difficult to easily find burial insurance, depending on the severity and medication regimen
  • Diabetes, Lupus, IBD, and other issues are all also part of the range of autoimmune issues that may lead to difficulties in obtaining final expense insurance because of the unpredictability and medications used to treat them.

Crohn’s Disease

Insurance Table
Insurance Provider Product Plan/Underwriting
American Amicable Senior Choice Immediate
CFG Elite
CVS Aetna Accendo Preferred
First Guaranty Preferred
Foresters PlanRight Preferred
GPM Level
Great Western Level
Liberty Bankers Preferred
Mutual of Omaha Living Promise Level
Prosperity New Vista Level
Royal Arcanum SIWL Level
Royal Neighbors Level
SBLI Living Legacy Preferred
Security National Loyalty Plan Preferred
Sentinel New Vantage I Level
UHL Premier

Key Tips for Getting Final Expense Insurance

When seeking final expense insurance, it’s essential to be honest about your health history.

Thoroughly explore different providers, and consider working with an insurance expert familiar with the intricacies of obtaining final expense insurance with autoimmune disorders.

Coverage for Autoimmune Disorders

Day one coverage for final expense insurance is possible, even if you have an autoimmune disorder.

However, your specific coverage and rates will depend on your overall health, the type of autoimmune disorder, and the medications you are taking.

Affordable Burial Insurance Options

There are affordable burial insurance options available for seniors living with autoimmune disorders. InsuranceForBurial.com, for instance, offers a variety of policies to suit different budgets and needs.

Preparing for Burial Expenses

Preparing for end-of-life expenses is a thoughtful act that can alleviate financial stress for your loved ones during a challenging time.

By securing final expense insurance, these costs are covered, allowing your family to focus on healing.

The Importance of Health and Medications

Insurance providers take into account several key factors when you apply for final expense insurance.

These include your overall health status, any pre-existing conditions such as autoimmune disorders, and the medications you’re currently prescribed.

In fact, each of these elements plays a significant role in the application process.

Frequently Asked Questions

In this section, we respond to some of the most commonly asked questions about final expense insurance, autoimmune disorders, and the intersection of the two.

Can I get final expense insurance even if I have an autoimmune disorder?
Yes, obtaining final expense insurance is indeed possible even if you have an autoimmune disorder. Various factors, including your overall health and the specifics of your autoimmune disorder, are considered by insurance providers when determining your eligibility and rates. You should never feel any anxiety when obtaining a burial insurance policy to protect your family. Remember, this is what we do and we are here to help.

What does ‘day one coverage’ mean and is it achievable with an autoimmune disorder?
‘Day one coverage’ refers to an insurance policy that commences its coverage from the day the policy comes into effect, without any waiting period. Depending on the particular details of your autoimmune disorder and overall health, it can be possible to get day one coverage.

Are there affordable options for burial insurance for individuals with autoimmune disorders?
Absolutely, there are affordable burial insurance options available for individuals living with autoimmune disorders. Providers like InsuranceForBurial.com offer a range of policies that can cater to diverse needs and budgets from autoimmune disorders to Pulmonary disorders, or even mental health issues.

How do my health condition and the medications I’m currently taking influence my final expense insurance options?
Your overall health, existing health conditions, and the medications you’re taking are significant factors considered by insurance providers. These details help determine your eligibility, coverage, and rates for final expense insurance. Effective management of your autoimmune disorder and maintaining a healthy lifestyle can positively influence your insurance options.

How can insurance agents assist in this process?
Insurance agents play a crucial role by providing expert advice and guidance to help you navigate the complex landscape of insurance. They can recommend the most suitable policy options based on your specific needs, health condition, and budget, simplifying the overall process for you.


While securing final expense insurance with an autoimmune disorder might seem daunting, it’s absolutely achievable with the right guidance and understanding.

With a range of affordable options at your disposal, you can provide financial peace of mind for your family, even while managing an autoimmune disorder.

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