If you fill out the quote form on this page, the very next page will show a list of actual burial insurance quotes from multiple providers in your state.
Having arthritis sure can make even the most simple tasks challenging. Fortunately, when it comes to burial insurance, your arthritis will not slow you down or cause you to pay more.
Let’s get down to it because we have some good news
At this point we have lost count how many clients have come to us with arthritis. There was not one situation where their arthritis had any impact whatsoever on their final expense life insurance policy. Today, we are going to clearly lay out how to buy burial insurance when you have arthritis.
In this article you will see how funeral insurance companies underwrite arthritis, what expectations you should have, and how to find the best burial insurance with arthritis.
Here’s The Real Deal About Burial Insurance With Arthritis
There are some health conditions that can make it difficult to find burial insurance. Arthritis is not one of them.
The truth is, there is no burial insurance company on the market today that cares about arthritis. They don’t ask about it on their health questionnaires, and if you tell them about it, they won’t do anything. It’s a health issue they are all okay with. You will easily qualify for a level death benefit with every company. This means you will have full immediate coverage, and you will pay their lowest rate possible.
But wait it gets better
Burial insurance plans do not require physicals or medical exams. You only have to complete a health questionnaire. In most cases, we can receive an official approval within minutes of submitting an application.
Arthritis is a condition that affects many seniors. It can wreak havoc on your daily routine depending on how severe your case is. Thankfully, your arthritis will in no way impede your ability to secure the most affordable burial insurance on the market. Having it is just the same as not having it. That’s how much of a non issue it is.
How Burial Insurance Companies Underwrite Arthritis
There is none. We are being serious; arthritis is not going to come up in the underwriting process for burial insurance.
Normally, we would lay out all the details about how final expense companies underwrite a health condition. In the case of arthritis, there is nothing to list since it’s a health issue no burial insurance company cares about.
All of the following are always accepted by every funeral insurance company
- Rheumatoid arthritis
- Psoriatic arthritis
- Septic arthritis
You will easily qualify for a level death benefit with every burial insurance company.
What About Arthritis Medications?
Every medication used to treat all those forms of arthritis are no issue. They will not cause a problem, in anyway, when they see them in your prescription history.
All of these common arthritis prescriptions are no problem.
The Only Way Your Arthritis Could Potentially Complicate Things
If your arthritis got so bad to the point where you need help with your daily activities, then and only then, could you run into issues. Just to be clear, the insurance companies define daily activities of living (ADL’s) as any of the following:
- Taking Medication
If you need assistance with any of those items due to your arthritis (or any reason really), it will be VERY difficult to find you a policy that covers you immediately and at a low rate. Basically, every burial insurance company will completely deny a person that needs help with ADL’s except for Royal Neighbors of America.
They are the only final expense company that is perfectly fine with a person receiving help with their daily activities of living. If you don’t qualify with them because of some other health condition, your only option at that point would be a guaranteed issue life policy with Gerber Life.
Guaranteed acceptance plans have no health questions or medical checks of any kind. The policy comes with a two year waiting period. during this time, Gerber would simply refund all your premiums plus 10% if you were to pass away.
After the 2 years is up, you would be protected in full for life. Again, this would be your last resort if you needed help with your ADL’s and you didn’t qualify with Royal Neighbors for another reason.
What About Wheelchair Use Due To Arthritis?
If your arthritis has become so debilitating that you need to be a in a wheelchair, do not worry. Essentially, all it will do is narrow your options. We have plenty of burial insurance companies that are perfectly fine with wheelchair use due to arthritis.
How To Find The Best Burial Insurance With Arthritis
Hopefully you can see how much arthritis is a non issue when it comes to burial insurance. The only thing do now is to find which company is going to give you the best deal on your burial insurance.
To find the best burial insurance with arthritis, all you need to do is work with an independent final expense agency that has access to multiple burial insurance companies. Ultimately, an agency like this will run quotes from every company they represent. Then its just a matter of choosing whichever one is the lowest.
Please remember this
The best burial insurance is nothing more than the policy that covers you the soonest and cost the least. Additionally, the issuing insurance company needs to be a financially stable organization.
Since every final expense life insurance company is cool with arthritis, the only question really is which one will offer you the best deal.
Why Choice Mutual
First and foremost, we do all the work for you. We specialize in final expense insurance. We do not deal with any other line of insurance. We wholeheartedly believe in being masters of one thing instead of being mediocre at many. After thousands of applications, we know how each health issue affect your eligibility for burial insurance.
We represent lots of burial insurance companies. When you work with us, we will run quotes from lots of insurers, so that we can identify which one is best and cheapest for you.
Ultimately, we save you a ton of time and money. In addition, you can feel confident that your policy is priced well since we are comparing lots of companies for you.
If you want expert assistance, give us a call at 1-800-644-2926. You can also let us call you by filling out the quote form on this page with your phone number.