Burial insurance is critical for everyone, but as the number of older residents in the United States rises, it is becoming even more essential. A severe ailment like arthritis can cause many limits and make daily tasks challenging. This essay will examine how arthritis could influence your application for funeral insurance and what you should do as a candidate to make sure your needs are satisfied.

Final Expense Insurance For Applicants With Arthritis

Because we are completely aware of how debilitating arthritis may be, we will do all the legwork to find seniors the best and most reasonable final expense insurance.

Now, we can confidently state that even if you have arthritis, we can acquire your insurance coverage at the lowest possible cost, with prompt coverage beginning on the first day.

We have a lot of expertise working with people who have arthritis and other medical conditions. Additionally, we only provide the greatest final expense insurance from A+ rated, top-tier insurance providers.

Our customers recommended us to their friends because they were so pleased with the insurance coverage we secured for them!

Let us now assist you! Since writing may be difficult for you right now, we will do a brief phone interview using a voice signature tool. even if you have several pre-existing conditions together.

Final Expense Insurance Companies And Arthritis

Let’s get to the good news right now! There is no funeral insurance firm that will be strict on arthritis in the modern final expense insurance sector.

No insurance company will ask you about your health throughout the underwriting process, and even if they do, it won’t matter if you have arthritis of any kind.

Burial Insurance Arthritis No Medical Exam

The lack of a physical or medical exam by burial insurance providers means that it won’t even be a problem.

The bottom line is that if you have arthritis, you can undoubtedly rest and anticipate the lowest rate with immediate insurance coverage starting on day 1. This type of final expense insurance plan is known as a “Simplified” final expense insurance plan.

So, do insurance companies offer simplified insurance coverage right away? Well, not yet, you still need to go through an underwriting process.

Burial Insurance Underwriting Of Arthritis

An insurance company’s underwriting procedure includes examining your prescription history and asking you health-related questions.

In light of the fact that we previously stated that the underwriting procedure’ health inquiries will not mention arthritis, you will have no trouble getting approved if you are only dealing with arthritis.

It’s as if the underwriting process never happened.

Types of arthritis that burial insurance companies are OK with:

• Gout

• Osteoarthritis

• Psoriatic arthritis

• Rheumatoid arthritis

• Septic arthritis

A simplified insurance plan will be offered by any insurance company. But wait!… you would not want just any insurance company right?

Life Insurance With Arthritis

Underwriting Prescription History

All popular arthritis drugs, like arthritis itself, are all covered by final expenditure insurance carriers.

It won’t be a problem at all to see these typical arthritic meds on your prescription history.

• Azasan

• Azathioprine

• Celebrex

• Hydroxychloroquine

• Imuran

• Methotrexate

• Plaquenil

• Rituxan

So, again, if you are only dealing with arthritis alone, you can expect a simplified insurance plan.

Other Factors With Arthritis That Could Affect Your Insurance Coverage

Now, this is where it’s critical to get in touch with a veteran Final Expense Insurance Specialists that have access to top-rated A+ insurance companies.

On a wheelchair

Other insurance providers will offer insurance policies that will cost more and have a 24-month waiting period if you require a wheelchair due to arthritis.

In any case, we represent top-rated A+ insurance providers that are okay with this for those with arthritis and wheelchairs.

Rheumatoid Arthritis Help With The Activities Of Daily Living

Your eligibility for a simplified insurance plan may be impacted if your arthritis is so severe that you may require home health care or assistance with your ADLs.

Activities of Daily Living include the following:

• Bathing

• Dressing

• Eating

• Taking Medication

• Toileting

It will be difficult to find a simplified insurance plan with the lowest rate and immediate insurance coverage if you rely on others to help you with one or more of the things mentioned above.

The bad news is that if you need help with ADLs, other final expenditure insurance companies will reject your claim.

There are reputable insurance providers with A+ ratings that are totally fine with applicants who want assistance with their ADLs due to arthritis.

If You Have Been Denied Coverage For Arthritis

If, for some reason, you still could not qualify for a simple insurance plan owing to a combination of health issues, your next best option would be a “Guaranteed Issue” insurance plan from a separate top-rated A+ insurance provider.

One advantage of guaranteed issue insurance plans is that no health-related questions, medical history checks, or medication history evaluations will be performed.

Even though there is a 24-month waiting period before obtaining the full death benefit under this plan, all monies will be returned to you along with 10% interest if you die away before that period if you do.

After 24 months, you will still receive the entire death benefit.

Again, this wouldn’t be the case if you merely have arthritis. Even if you need your ADLs, you may still be eligible for a simple plan, albeit it might be a close call.

So if you think that you might have more issues than just arthritis, please call us and we are happy to help you get the best insurance company possible.

How To Get The Best Burial Or Final Expense Insurance Policy For Applicants With Arthritis

The only thing left to do is to decide which insurance company would provide the greatest bargain, as we have constantly stated that arthritis won’t be a problem and that any insurance company will accept you.

At DiabeticInsuranceSolutions.com, we can assist you in locating the greatest final expense insurance protection from the nation’s top-rated insurance providers.

Affordable Burial Insurance With Arthritis

We are a group of skilled final expense insurance consultants who are passionate about helping people with arthritis get the best possible burial insurance coverage.

We are authorised in 49 states and have more than 26 years of expertise. We only provide the greatest coverage from rated A+ insurance providers with cutting-edge extra features offered at no additional cost.

For your comfort and convenience, we only need a brief period of your time on the phone.

To learn more about arthritis

Talk to us now! We promise you a simple interview process over the phone via voice signature application.

Conclusion

If you or a loved one has arthritis, it can be extremely painful and make daily tasks challenging. We are aware of this, which is why we have simplified the application process for funeral insurance for elderly people who have arthritis. You don’t have to worry about filling out lengthy papers or even paying expensive application costs since our experts will handle all the work for you so you get only the greatest coverage at an affordable rate. To get started, click here to obtain a quote.