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2019 Guide To Getting Burial Insurance With Graves Disease

Written by Anthony Martin | Last updated: May 15, 2019

Burial Insurance With Pre-Existing Conditions

Here’s the bottom line.

Yes you can get burial insurance with Graves’ disease.

There are many final expense life companies that will, without hesitation, accept this condition.

In this guide, we’ll show you everything you need to know to help you find a policy for someone with Graves’ disease.

Article Quick Navigation Links

  1. Coverage Options
  2. Graves’ Disease Underwriting
  3. Best Companies For Graves’
  4. Quotes
  5. How Choice Mutual Can Help

 

Here Are Your Final Expense Options When You Have Graves’ Disease

Nearly all funeral insurance companies will approve someone who has this thyroid condition.

You’ll be glad to know they won’t penalize you in any way 😎.

When it comes to final expense insurance, there are usually 3 different levels you may qualify for with any given company.

  • Level benefit: Lowest price and full immediate coverage
  • Graded benefit: Higher premium and a tiered payout during the first 2 years
  • Modified benefit: Highest priced and a full 2 year waiting period

With Graves’ disease, you can still get a level benefit from tons of carriers!

That will result you in getting the lowest premium they offer and coverage that insures you 100% from day one with no waiting period.

Granted, there are a couple of insurance companies out there that will rate you higher and force you to pay more and endure some kind of waiting period.

However, they are few and far between, so they are essentially irrelevant.

 

This Is How A Burial Policy Works

First, burial insurance is just a marketing term that has been around for 30+ years.

It may also be known as “final expense insurance”, “funeral insurance”, or “end of life insurance”.

All these names mean the exact same thing.

Now, all of them are simply referring to a whole life insurance policy that has incredibly lenient underwriting (some policies have no underwriting) and very small face value options.

The idea is they want most seniors to qualify in spite of some pretty serious health issues, and there are no medical exams to qualify.

Burial Insurance With Graves Disease

Being whole life insurance, the plan details are very straightforward:

  • Fixed premiums for life
  • Coverage for life that cannot expire
  • Death benefit cannot decrease

Ultimately, the policy will pay out a tax-free cash benefit to your beneficiary. Upon the passing of the insured, a cash payout is how life life insurance works regardless of which type it is.

The proceeds of the policy can technically be used for anything, but they are intended to pay for funeral expenses.

If there is any money leftover, those funds would remain with your family. It won’t go to the funeral home.

 

How Carriers Underwrite Funeral Insurance With Graves’

Burial insurance plans are underwritten on a simplified basis.

That merely means there is limited underwriting that won’t require doctor records or a physical.

Burial Insurance With Graves Disease

Carriers will determine your eligibility based on the following 3 factors:

  • Health questions
  • Prescription history check
  • Medical Information Bureau history check

Here’s the main thing you need to understand about how funeral insurance companies underwrite their plans.

Companies only ask about the health issues they are concerned with. If they do not ask about something, it means they are okay with it!

If you do see a carrier mention Graves’ on their application, it would result in them charging you more and/or imposing some kind of waiting period.

The other possible thing to look out for is any company that has a question such as: “have you ever had, been diagnosed with or been treated for any immune system disorder?”.

Since Graves’ is an immune disease, you would need to say yes to a question such as that.

Companies that do care about Graves’ disease will be on the lookout for these prescriptions:

  • Levothyroxine
  • Synthroid
  • Propylthiouracil
  • Thiamazole

Ideally, you’ll want to apply with a company that does not ask about Graves’, immune system disorders, hypothyroidism or hyperthyroidism.

Thankfully, there are many companies that don’t ask about these health conditions.

 

Best Graves’ Burial Insurance Companies

Below are just some of the many carriers that freely accept applicants who have Graves’ disease.Burial Insurance With Graves Disease

With these insurance companies, you can qualify (notwithstanding your other health issues) for their lowest rate and immediate coverage that has no waiting period.

  1. Mutual of Omaha
  2. Royal Neighbors of America
  3. Aetna
  4. Americo
  5. Transamerica
  6. American Amicable
  7. Liberty Bankers Life
  8. Foresters Financial
  9. Prosperity Life Group
  10. Sentinel Security Life

Which one of these is best for you likely depends on your other health conditions (if any). If all you have is Graves’ disease, any one of these companies would be great for you.

Just know, you cannot buy a policy directly from any one of them. You can only get their coverage through agencies such as Choice Mutual.

Call us at 1-800-644-2926 and one of our agents will help you out.

 

Quotes You Can Qualify For With Graves’

These final expense prices are from a company that will accept an applicant with Graves’ disease. If you’ve used tobacco in the last 12 months, your rate would be higher.

Remember, if you have other health issues, you may not qualify for these rates.


Women

AGE$5,000$10,000$15,000$20,000
45$12.91
$22.61 $32.31
$42.01
46$13.11
$23.02 $32.93
$42.84
47$13.38
$23.55 $33.72
$43.89
48$13.69
$24.18 $34.67
$45.16
49$13.84
$24.48 $35.12
$45.76
50$13.94
$24.67 $35.40
$46.14
51$14.33
$25.45 $36.58
$47.70
52$14.54
$25.88 $37.22
$48.56
53$14.91
$26.62 $38.33
$50.04
54$15.33
$27.47 $39.60
$51.73
55$15.80
$28.40 $41.00
$53.60
56$16.24
$29.27 $42.31
$55.34
57$16.63
$30.06 $43.48
$56.91
58$17.02
$30.83 $44.64
$58.46
59$17.45
$31.70 $45.95
$60.20
60$18.04
$32.87 $47.70
$62.53
61$18.86
$34.51 $50.17
$65.82
62$19.63
$36.06 $52.49
$68.92
63$20.46
$37.72 $54.98
$72.23
64$21.28
$39.36 $57.45
$75.53
65$22.11
$41.01 $59.91
$78.82
66$23.32
$43.44 $63.56
$83.68
67$24.53
$45.86 $67.19
$88.52
68$25.75
$48.29 $70.84
$93.38
69$27.01
$50.81 $74.61
$98.42
70$28.22
$53.24 $78.26
$103.28
71$29.92
$56.63 $83.34
$110.06
72$31.66
$60.12 $88.58
$117.04
73$33.57
$63.93 $94.29
$124.65
74$35.49
$67.78 $100.07
$132.36
75$37.81
$72.41 $107.01
$141.62
76$40.73
$78.25 $115.77
$153.29
77$43.36
$83.51 $123.66
$163.81
78$45.82
$88.44 $131.06
$173.67
79$48.31
$93.41 $138.52
$183.62
80$50.82
$98.43 $146.05
$193.66
81$54.71
$106.21 $157.72
$209.22
82$58.58
$113.96 $169.33
$224.71
83$62.26
$121.31 $180.36
$239.41
84$65.88
$128.55 $191.23
$253.90
85$69.55
$135.90 $202.25
$268.60

Men

AGE$5,000$10,000$15,000$20,000
45$14.32
$25.45 $36.57
$47.69
46$14.69
$26.17 $37.66
$49.15
47$15.11
$27.02 $38.93
$50.84
48$15.58
$27.96 $40.34
$52.72
49$15.86
$28.52 $41.18
$53.85
50$16.18
$29.16 $42.13
$55.11
51$16.75
$30.30 $43.85
$57.41
52$17.16
$31.12 $45.08
$59.04
53$17.70
$32.20 $46.70
$61.20
54$18.41
$33.61 $48.81
$64.01
55$19.15
$35.09 $51.04
$66.98
56$19.83
$36.45 $53.08
$69.70
57$20.55
$37.91 $55.26
$72.61
58$21.24
$39.27 $57.30
$75.33
59$22.01
$40.82 $59.62
$78.43
60$22.98
$42.76 $62.53
$82.31
61$24.29
$45.38 $66.47
$87.56
62$25.55
$47.90 $70.25
$92.60
63$26.86
$50.52 $74.17
$97.83
64$28.17
$53.14 $78.11
$103.08
65$29.48
$55.76 $82.04
$108.31
66$31.27
$59.35 $87.42
$115.49
67$33.07
$62.93 $92.80
$122.66
68$34.87
$66.53 $98.19
$129.85
69$36.66
$70.11 $103.57
$137.02
70$38.45
$73.70 $108.95
$144.20
71$40.78
$78.36 $115.93
$153.51
72$43.06
$82.92 $122.78
$162.64
73$45.61
$88.01 $130.42
$172.82
74$48.18
$93.16 $138.13
$183.11
75$51.37
$99.53 $147.69
$195.85
76$55.04
$106.87 $158.70
$210.54
77$58.42
$113.64 $168.86
$224.08
78$61.53
$119.86 $178.18
$236.51
79$64.72
$126.23 $187.74
$249.25
80$67.93
$132.65 $197.38
$262.11
81$73.10
$143.00 $212.89
$282.79
82$78.37
$153.54 $228.71
$303.88
83$83.31
$163.41 $243.52
$323.62
84$88.24
$173.28 $258.32
$343.36
85$93.18
$183.15 $273.13
$363.10

 

How Choice Mutual Can Assist You

Whether you have Graves’ disease or not, Choice Mutual is hands down the most qualified agency to help you find a final expense policy.Burial Insurance With Graves Disease

Here’s why we say that…

First, we are independent and represent over 15 different companies. Not being married to one or two companies gives us the freedom to shop around to find you the best deal.

Having many companies to choose from is particularly important if you have health issues (such as Graves’). All burial life insurance companies underwrite differently.

You getting the best deal is done via applying with a company that is okay with whatever health issues you have. Only Choice Mutual has 15+ companies to choose from to find you which one(s) are accepting of your conditions.

Carrier options aside, all we do is finale expense insurance, so you’re dealing with industry leading experts here.

Whatever questions you have, we have the answers.

Call us at 1-800-644-2926 and see what one of our agents can do for you.

About ChoiceMutual.com
About ChoiceMutual.com

Choice Mutual is an independent agency licensed in all 50 states including DC. We work with over 20 highly rated final expense life insurance companies, so that we can compare offers from all of them to find you the best deal.

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