Insider’s Guide To Burial Insurance With Home Health Care

Written on January 19, 2017 by Choice Mutual

Burial Insurance With Home Health Care

For instant quotes, use the easy quote tool that’s on this page. If you are currently receiving home health care, please call us for accurate quotes. Being on home health care means there are very few carriers that will work with you. We will find which ones will and help you determine your best plan. Use our toll free number 1-800-644-2926.

It’s true that most insurance companies typically turn away applicants who are on home health care. In fact, most agencies will hang up the phone if you even mention the words “home health care”.

It’s the opposite with us. We’ve had many people come to us wondering if there was any hope of securing a policy, let alone an affordable one, given their home care status.

Here’s the short of it

Yes you can get a policy. In fact, we can get anyone a policy regardless of their health.

You won’t believe this

This will probably come as shock to you, but it’s the truth. We may even be able to secure you a policy that protects you in full from day one.Burial Insurance With Home Health Care

Amazing right?

This is a subject we have lots of experience with. Today, we are going to give you a complete breakdown of what it’s like to buy burial insurance on home health care.

This article will show you precisely how funeral insurance companies react to applicants who are receiving home health care, what kind of choices you will have, and how you can find the best burial plan.

 

The Cold Hard Truth About Burial Insurance With Home Health Care

Receiving home health care is a health factor that will greatly limit your options for immediate coverage burial insurance. With that, there are always options. No matter what we can get you approved for something.

When you are on home health care, it is possible to secure a final expense plan that fully protects you from day one. This level death benefit is only possible via Royal Neighbors of America. We represent this company, and we will work hard to see if you qualify with them. Essentially, you would pay the same amount with them as someone in perfect health would. On the other hand, if you do not qualify with Royal Neighbors, your only option would be a guaranteed issue policy. This kind of plan has no health questions or medical checks. The drawback is that it has a waiting period and it does cost more. Ultimately, we can get you approved for a new policy regardless of your individual circumstances.

Here’s something really cool

At no point will you have to allow a stranger into your home to complete an application. There are no medical exams or physicals required. Ultimately, you will only need to answer some basic questions about your health. That’s all there is to it.

If you go looking around for burial insurance, you will find that being on home health care is flat decline with pretty much every company. Fortunately for you, you found Choice Mutual, and we have affordable options for you! Give us a call so we can go to work for you on this issue.

Burial Insurance With Home Health Care

Home Health Care Underwriting

When you apply for a funeral insurance plan, the insurance companies are going to ask you various health questions. In addition, they run a prescription history check in the background to verify what health issues you may have.

When it comes to home health care, the only thing to consider are the health questions. There is nothing on a prescription history report that would ever indicate if a person were on home health care.

 

Home health care Health QuestionsBurial Insurance With Home Health Care

Every final expense life insurance company will ask about home health care in their own way. With that, below you will find the 3 main ways companies may ask about home health care.

  1. In the last 12 months have you received home health care?
  2. Are you currently receiving, or been advised to receive home health care?
  3. Are you now, or within the last 12 months, receiving home health care due to a chronic illness or disease?

Here’s the bottom line if you say yes to ANY of these

If say yes to any home health care question (with any company), you are flat out declined. Home health care questions will always be a knockout condition. That simply means the insurance carrier will not issue any coverage to anyone under those circumstances.

 

Developing Expectations Based On Your Situation

Did you notice how all those questions ask about home health care in a unique way? That’s key to remember when you consider your personal circumstances for home health care. Let’s breakdown all the scenarios, so you know what to expect when you go to buy burial insurance

Burial Insurance With Home Health Care

This Is The Best Case Scenario For Anyone Currently On Home Health Care

There is literally only one burial insurance company that freely accepts applicants who are on home health care. That company is Royal Neighbors of America. Their health questionnaire does not ask about home health care at all. Regardless of the exact circumstances surrounding your home health care, they will take you. Burial Insurance With Home Health Care

They are the only company on the market that will offer you a level death benefit. That means your coverage will protect you in full on day one. In addition, your monthly price would be the same as a person who is in perfect health. Hopefully, you don’t have any other health issues that prevent you from qualifying with them.

 

If You Don’t Qualify With Royal Neighbors

Every funeral insurance company will have various knockout conditions. Although Royal Neighbors does not have home health care as a knockout condition, they do have other health issues that are. Here are all their knockout conditions

  • Wheelchair confinement
  • Hospice care
  • AIDS or HIV
  • Congestive heart failure
  • Organ transplants
  • Amputations caused by disease
  • Insulin shock
  • Diabetic coma
  • Insulin usage before age 30
  • Dementia or Alzheimer’s
  • In the last 18 months: stroke, aneurysm, cardiomyopathy, circulatory surgery, angina (chest pains), prescription fills for nitro pills (even if you don’t take them), heart attack or failure, or heart surgery
  • In the last 18 months: been recommended for treatment for alcohol or drug abuse, or been given a life expectancy of 12 months or less
  • In the last 24 months: internal cancer, melanoma, leukemia, cirrhosis, liver disease, kidney failure (including dialysis), chronic kidney disease, or systemic lupus

If you have any of that stuff, Royal Neighbors will not take you. Read on to learn what choices you will have when Royal Neighbors is not one of them.

 

You Don’t Qualify With Royal Neighbors, And You Are Currently On Home Health Care Due To A Chronic Illness Or Disease

Here are some examples of chronic illnesses & diseases that often lead to home health care.

  • Dementia
  • Alzheimer’s
  • Multiple sclerosis
  • Muscular dystrophy
  • Mental Retardation
  • There are more- Just think of any health issue that is lifelong that won’t end

Since you don’t qualify with Royal Neighbors, your only option in this scenario would be a Guaranteed Issue Life Insurance Policy. These plans have no health questions of any kind, and the insurer does not check your medical history.

Any no health question plan will have at least a two year waiting period before they will pay out a death benefit. In addition, this kind of policy does cost more compared to a plan that does have health questions.

If this is your only option, jump on it immediately, so you can start chipping away at the waiting period. Again, hopefully you qualify with Royal Neighbors. That would mean immediate coverage and a super low rate that you won’t find elsewhere.

Burial Insurance With Home Health Care

You Don’t Qualify With Royal Neighbors, And You Are On Temporary Home Health Care Not Due To A Chronic Illness Or Disease

There are many situations where folks receive home health care for a temporary period of time. Here are some to name a few:

  • Strokes
  • Mini strokes
  • Slip and falls
  • Auto accidents
  • Major surgeries
  • Think of any scenario where the condition is temporary

You basically have two options at this point. Remember these two home health care questions?

  1. Are you currently receiving, or been advised to receive home health care?
  2. Are you now, or within the last 12 months, receiving home health care due to a chronic illness or disease?

 

Option A) If you are temporarily receiving home health care, you first option would be to wait until it’s over and then apply. If your home health care is over with, you could honestly answer no to a question that asks about current home health care assistance.

Remember, the only thing to consider with that first question is: Are you on home health care right now? For example, let’s say you were on home health care last week. If it’s over now, you could honestly respond with a no answer to any health question that asks about current home health care use.

There are a good amount of companies that phrase their home care question this way. Because you are saying no to their question, you become eligible for their product (unless you have other health issues that prevent you from qualifying).

Option B) Your second option would be to apply with a company that specifically mentions “due to a chronic illness or disease”. Since your condition is temporary, you can honestly say no.

Here’s the kicker with companies that ask it that way

Companies that word their home health care question this way tend to be priced on the higher side. We are not saying you shouldn’t take advantage of their plan if indeed your home care is temporary.

Burial Insurance With Home Health CareHowever, it might make sense to wait until your home health care is over, and you simply apply with a company that asks about current home health care. This could mean a much lower rate. In the end, we will discuss all your options with you and help you determine the best course of action.

 

How To Find The Best Burial Insurance With Home Health Care

As you can clearly see by the amount of information in this post, there are many factors to consider. Obviously, Royal Neighbors of America is your unequivocal best option if you are currently on home health care.

No matter what, your path to the best plan will be a product of which company you trust to help you with this. Ultimately, you need a highly qualified agency to guide you to the insurance company that has the best burial plan for you.

To find the best burial insurance with home health care, your goal is nothing more than to work with a highly experienced independent agency. Only an independent broker, like Choice Mutual, can compare rates from lots of insurance companies to find you which one will offer you the best deal.

But here’s the kicker

Your job is nothing more than to lend your trust to an organization like us to help you. We realize and appreciate that it’s challenging to put your trust in a “sales” organization that you aren’t familiar with.

The whole reason we give you so much information in a post like this is to equip you with real information to help you through this process should you decide not work with us.

Burial Insurance With Home Health Care

Honestly, we are totally cool with you going to someone else for help. We just want to stress how important it is that you work with an agency that has lots of choices.

As long as you do that, you will very likely find a good deal. You already know that Royal Neighbors is probably your best and cheapest option. We can absolutely help you get a policy with them. Then again, so can other agencies too.

Please just do it now regardless of who you go through. If you would like some expert hassle free help, give us a call at 1-800-644-2926. You can also let us call you. To do so, fill out the quote form and include a good contact phone number.

About ChoiceMutual.com
About ChoiceMutual.com

Choice Mutual works with all the top burial insurance companies throughout the nation to secure you the best price possible.

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