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Life with fibromyalgia can be stressful due to the constant pain. What won’t be difficult is securing a low cost burial insurance plan when you have this affliction.
And it gets better
You can easily get a burial policy at a low rate with multiple companies we work with, and it will have no waiting period. That’s right. You will be protected in full from the very first day.
Fibromyalgia is a health issue we have encountered many times. There was never once a situation where we couldn’t help them get an affordable plan with no waiting period.
Today we are going to thoroughly explain what it’s like to buy burial insurance with fibromyalgia. You will learn how insurance companies underwrite this condition, what choices you will have, and how to find your best policy.
Quick Article Guide
- The Truth About Burial Insurance & Fibromyalgia
- Fibromyalgia Underwriting
- Policy Options
- How To Find The Best Plan
In all honestly, there are very few final expense life insurance companies that ask about this condition.
So here’s the bottom line
Roughly 99% of burial insurance companies simply don’t care about fibromyalgia. They will all offer you instant coverage at the lowest rate possible. Unless you have some other very serious health issues, we will easily get you a rock bottom price and day one coverage.
And here’s something else really cool
You won’t need to provide medical records, undergo any exams or lab tests. All you will do is answer some health questions.
Burial insurance plans are always simplified issue so there are always just health questions. In most cases, the insurance company will let you know you have been approved in less than 15 minutes.
If you have fibromyalgia and are looking for burial insurance, contact us immediately. Virtually every insurance company will accept you. We will shop the market for you to find you the best deal.
Burial insurance companies will evaluate an applicant’s level of risk by doing two things.
- Health questions
- Prescription History Check
Your answers to the health questions and your past medications will give the insurance company all the data they need to determine your eligibility.
The Health Questions
You will have to search for a very long time to find any burial insurance company that even mentions the word fibromyalgia.
We aren’t aware of a single company that asks about this condition. Because they don’t ask about it, it means they are okay with it!
Here’s the general rule about health questions
Burial insurance companies will accept any health condition they don’t specifically ask about in their health questionnaire. The insurance companies will only ask about the health issues they view as high risk.
Final expense life insurance companies will always review your medication history. They do this to identify which health issues have based on what medications you have been taking.
According to MayoClinic.org, there are no drugs that are meant only for fibromyalgia. Years ago, lyrica (pregabalin) was the first drug approved to treat fibromyalgia. However, today that drug is used to treat other conditions like neuropathy and seizure disorders in addition to fibromyalgia.
A fibromyalgia patient could receive any of the following treatments:
- Pain relievers
- Anti-seizure drugs
You might be wondering, where are we going with this?
Here’s the deal
We have multiple burial insurance companies that will welcome with open arms applicants with depression. The same is true for any medications you might be taking for a seizure condition such as epilepsy.
Our job is to assess your entire health history. We do this so we can look at every variable and determine which final expense companies will be most accepting of all your health issues and medications. In the end, we would recommend whichever company would be the best fit for you, and offer you the best deal.
Fibromyalgia and diabetes
First, having diabetes and fibromyalgia is perfectly fine. The combination of these conditions won’t cause any issues whatsoever. However, there are certain medication combinations that could drastically impact your options when buying burial insurance.
These drugs are often prescribed for fibromyalgia patients:
All of those prescriptions are also used to treat a health condition called neuropathy. Neuropathy is a very serious case of diabetes where the nerves get damaged. It usually starts in a person’s legs and feet. Most companies will charge you a lot more money because of it (and impose a waiting period).
Here’s the rule to live by
[Any of those drugs] + [Any diabetes drugs] = Diabetic neuropathy (at least this is the conclusion the insurance companies will come to)
Don’t worry because we have solutions if you are in this situation
There are a few final expense life insurance companies (and we do represent all of them) that will not charge neuropathy patients more money or make you endure a waiting period. If your medications lead the insurance companies to assume you have neuropathy, have no fear because we have carriers that won’t penalize you for it.
If all you deal with is fibromyalgia, we will easily get you qualified for what’s called a level death benefit. That simply means that your coverage will be effective in full immediately. In addition, it also means that you will pay the lowest price offered by the insurance company.
Run some quotes using the quote tool on this page. The prices you see are what you will pay.
If you deal with some other health issues, that could impact the outcome. In general, we can almost always find an insurer that will accept all of someone’s health issues. The best thing to do is to call us. We will quickly evaluate your health history and let you know what options you truly have.
If you go searching online for “how to find the best burial insurance”, you will find a ton of misinformation. Unfortunately, most articles are written by authors with little to no experience in this market.
First and foremost, lets clearly define what are the attributes of the best burial insurance.
The best burial insurance is any plan from any financially stable company that costs the least, and protects you the soonest.
So how do you find that?
To find the best burial insurance with fibromyalgia, you must consult with a final expense agency that represents lots of burial insurance companies. Ultimately, they will assess your health to determine which companies will view you most favorably. Then it just a matter of sorting the quotes by price to see which carrier is the cheapest.
Want to know the best part?
Utilizing the services of an independent agency like Choice Mutual is completely free! That’s because agents and agencies like us get paid by the insurance companies. They pay us because we bring them customers.
And don’t forget
Buying through an agent or agency does not mean you pay more each month for your insurance. The law mandates that insurance prices are equal regardless of which medium you use to purchase.
We recognize that some people will go elsewhere to find their burial insurance. If you do just make sure the agency you work with has access to lots of companies. The freedom to choose is essential to you getting the best deal.
If you prefer to save a time and money, give us a chance to earn your business. We offer a no pressure process designed to give you the information you are looking for. Ultimately, we let you make up your own mind. We don’t push people to do anything.
You can call us at 1-800-644-2926. You can also let us call you by filling out the quote form with your phone number.