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We think you will agree with us when we say “It’s difficult to find affordable burial insurance with nephropathy”. In fact, it can be hard to find coverage at all!
Or is it?
This may come as a surprise to you, but you there are in fact final expense companies out there that will work with you even if you have nephropathy. Getting burial insurance with diabetes can be a challenge if you attempt to solve this problem yourself, or work with the wrong company. We have much experience with helping people with all sorts of diabetic complications, and we will show you just how easy and affordable burial insurance can be even if you have nephropathy.
In today’s piece, we are going to breakdown exactly how final expense insurance companies view nephropathy, what options you have, and how you can find the absolute best and lowest cost burial policy.
The Truth About Getting Burial Insurance With Nephropathy
Although it takes a severe case of mismanaged diabetes to cause nephropathy, it won’t mean you are locked out of getting final expense life insurance. In fact, there are absolutely affordable options out there for you.
Here’s the bottom line.
If you have recently had nephropathy, you are going to have to pay a little more for your burial policy. Unfortunately, having this diabetic complication puts you into a higher risk category that insurance companies view as more risky. For this reason, they will require you pay more money per month for your insurance compared to a person who is healthy. Additionally, it may even be possible for you to get coverage that has no waiting period whatsoever. Albeit, it’s very rare to avoid a waiting period given your nephropathy, but it’s possible.
Want to know the best part?
No matter how bad your kidney’s are or how bad your health is general, there are always options. If you can believe it, even if you are on dialysis, you can still be covered. Burial insurance plans have extremely liberal underwriting which is why everyone can be covered. In addition, you will never have to take any medical exams. In most cases, there are just a few simple health questions to answer.
When it’s all said and done, the market has produced affordable options for people with diabetic nephropathy. The only trick is finding which one is best for you, but that’s where Choice Mutual comes in.
How funeral insurance companies underwrite nephropathy
All burial insurance companies will all inquire about nephropathy specifically or about general kidney conditions. If they ask about kidney conditions in general, you would be required to say yes to that, for nephropathy is indeed a kidney condition. There are no medications they will scan for that would indicate nephropathy. Usually, nephropathy patients are simply on a host of hypertension and standard diabetic medications. With that, there are no prescriptions that would specifically imply diabetic nephropathy.
You shouldn’t be so concerned with exactly how they ask about it. You need to pay much more attention to the time frame they tie the question to. Time is the key issue that determines what options you will with all the various final expense life insurance companies.
Every application will use one of two time references when they ask about nephropathy. Your options, and how insurers respond, will ultimately depend on which of these categories you fall in into.
- Your entire life
- Within the last two years
In essence, the only question that needs to be asked is “Have you had diabetic nephropathy within the last two years?” Right off the bat, you can eliminate all the companies that ask if you have ever had it. Because there are companies taht only look back two years, there is no need to consider the “ever” companies.
Great Than 2 Years Ago
First and foremost, if you had nephropathy over two years ago, you are good to go. There are plenty of companies that will issue you coverage just the same as a person in perfect health. Just be mindful they do not also have other health questions that ask if you have EVER had any kidney issues. If so, you would need to say yes which would result in higher premiums and/or waiting periods. Just know there are absolutely companies that will look upon you as the perfect applicant if your nephropathy was greater than two years ago.
Within The Last 2 Years
In contrast, if you have had, or currently have, diabetic nephropathy within the last two years, your options become much more narrow. Make no mistake, there are options, but no matter what you will be required to pay more. There is no way you will avoid having to pay higher premiums with every carrier. In addition, in some cases, you might even have to endure a waiting period on your policy. Whether or not you get a waiting period will depend on your resident state, and your other health conditions. With that, it is absolutely possible to secure immediate coverage even though you have had nephropathy within the last two years.
In order for us to find you the best burial policy on the market, we will need to know some specific things about your diabetes. It’s our job as your final expense agency to secure you the best and lowest cost policy given your entire health history. Here are some of the key questions will ask you to help us determine which options are out there, and which ones are going to be your best value.
- When did you last have diabetic nephropathy?
- Do you have any other diabetic complications?
- What medications are you taking?
- Have you ever been on or been advised to have dialysis?
- What is your height and weight?
- Do you have any other health complications?
When it’s all said and done, we will take all this information and determine what company will best suit you. Our knowledge of how each carrier underwrites is what enables us to conclude which burial insurance plan will be best for you.
How To Get The Best Burial Insurance With Nephropathy
You might think this will be a long drawn out guide that will ultimately teach you how to find the best plan given your nephropathy. In fact, nothing could be further from the truth.
Here’s the deal.
You need professional help if you want any chance at finding the best burial policy for you. Diabetic nephropathy is a tricky condition that MOST insurers are not welcoming of. There are insurers out there that will work with you on this condition, but you technically have no way of finding them. The only way to find them is to work with a broker. With that, here is precisely how you find the best final expense life insurance plan when you have nephropathy.
You must find an independent agency, like Choice Mutual, that has access to lots of different burial insurance companies, so they can shop the market to see which one will give you the best value. Additionally, the agency you work with must have ample experience working with high risk cases like nephropathy. Only through experience will the agency be completely familiar with how each insurer underwrites and responds to nephropathy. Both of these qualities are critical to finding the best final expense plan possible.
Essentially, the agency you work with is like your burial insurance doctor. You let them guide you to the best course of action. It won’t cost you any money, and your insurance won’t cost any more. If you try to go about this alone, you will run into nothing but roadblocks and higher premiums than you should pay.
Let a professional agency like Choice Mutual with lots of companies to choose from do the lifting for you. We will make it easy, fast, and we will find you the best company with the lowest cost plan for you. Give us a call at 1-800-644-2926, or fill out the quote form with your phone number.