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Burial Insurance for People with High Cholesterol [2024 Guide]

February 17, 20246 min read

Surgery on the arteries may be required for people with cholesterol problems, which could be quite expensive. For those who are worried about paying for their funeral and medical care in the event of an untimely death, burial insurance is a possibility.

In this blog post, we’ll talk about how seniors with high cholesterol can prevent these expensive circumstances by getting burial and high cholesterol insurance.

The Real Truth About Final Expense Insurance For People With High Blood Cholesterol Issues

You’re wondering if your high cholesterol troubles may influence your ability to obtain burial or final expenditure insurance coverage.

Let’s respond to that now.

What does high cholesterol mean in the context of life insurance?

In general, having high cholesterol and taking medicine to treat it WON’T impair your ability to obtain burial or final expense insurance coverage or the calibre of the policy options you’ll be presented. It can be regarded as a small pre-existing condition.

In fact, 95 million persons in the US, who are 20 years of age or older, have total cholesterol levels that are more than 200 mg/dL. This qualifies as one of our health impairments!

Numerous high cholesterol clients have received the ideal burial ultimate expense life insurance from top-rated A+ insurance providers with our assistance.

Let us now assist you.

Burial or Final Expense Insurance Companies And High Blood Cholesterol

Burial or Final Expense Insurance Companies And High Blood Cholesterol

Let’s begin with some positive news!

Let’s go right to the topic now! Whether an applicant has high cholesterol or is taking medicine to treat it, insurance companies couldn’t give a damn.

Yup! You will be presented with a coverage option with the lowest rate and no waiting period, which means that, shudder to think it, if you pass away on Day 1, your beneficiary will begin receiving payments immediately.

The full face value of your final expense insurance plan’s death benefit will be paid to your beneficiaries. Amazing! Right?

There’s more wonderful news, hold on!

Companies offering burial or final expense insurance will not demand a physical or medical examination!

But hold on! How is that possible? Because heart disease and stroke, two of the main causes of death in the United States, are made more likely by having high blood cholesterol levels.

Because you are probably a smart person who is taking good care of yourself by eating healthily, controlling your LDL levels, and living a healthy lifestyle if you have found this page and are reading about burial insurance for high cholesterol.

Insurance providers understand that, with modern medical advancements and a healthy lifestyle, having high cholesterol no longer poses a serious risk to anyone.

The Cons Of High Blood Cholesterol Issues And Final Expense Policies

The horrible news is now…

There isn’t any…

But it’s crucial that you speak with one of our impartial and knowledgeable Final Expense Insurance Specialists if you have other major health concerns that may or may not be related to having high cholesterol and that insurance companies may be stringent with.

High Cholesterol Is Something That You Should Not Be Taking For Granted.

Therefore, as long as you merely have high cholesterol and no other major conditions that might impair the quality of insurance plans that are provided, you’re good to go!

The burial or final expense insurance policy with the cheapest premium and immediate insurance coverage from day one will be presented to you. This sort of plan is typically referred to as a “simplified,” “preferred,” or “level” type of plan.

So, do insurance companies immediately provide simplified insurance coverage? You still need to go through an underwriting process, so no, not yet.

Burial or Final Expense Insurance Companies And High Blood Cholesterol

Underwriting Process Of High Blood Cholesterol

Anyone who wants to receive the best lowest cost coverage plan available, such a simple plan, will always have to go through an underwriting process, even if you merely have high blood cholesterol, which most burial insurance companies are not rigorous about.

Insurance providers will inquire about the following throughout the underwriting process:

  1. Asking you about your health and finding out whether you have any additional diseases.

  2. history of prescribed medications

These are the areas of your overall health that they will investigate in order to determine whether you currently have any major illnesses or have had any in the last 24 months.

Health Questions About High Blood Cholesterol

There is none, and you won’t be questioned about your blood cholesterol levels.

Remember that just the diseases or medical conditions that insurance companies are rigorous about will be disclosed. Therefore, if something does not come up, they are unlikely to worry.

The majority of the health-related questions will focus on your lifestyle, past illnesses, and any significant ailments you may have had in the previous 24 months.

Therefore, if you do, get in touch with us right away so we can assist you in answering these questions strategically and honestly so we can offer you the finest coverage plan available regardless of your other ailments!

Prescribed Medication History Assessment

These are the typical drugs used to decrease LDL, or “bad” cholesterol, or low-density lipoprotein. Insurance companies won’t care enough to be rigorous about it if you take one, a few, or all of them.

  • Atorvastatin (Lipitor) (Lipitor)

  • Fluvastatin (Lescol) (Lescol)

  • Lovastatin

  • Pitavastatin (Livalo) (Livalo)

  • Pravastatin (Pravachol) (Pravachol)

  • Calcium rosuvastatin (Crestor)

  • Simvastatin (Zocor) (Zocor)

Insurance firms conduct a prescribed drug history evaluation as part of their due diligence to identify major health conditions that may not have been disclosed accurately or truthfully in the health questions asked as part of the underwriting process.

Some of these drugs can be combined with insulin for type 1 diabetes or oral drugs for type 2 diabetes.

In actuality, they frequently take high blood pressure medicine in addition to them.

Burial or Final Expense Insurance Companies And High Blood Cholesterol

How To Find The Best Burial or Final Expense Insurance For Clients With High Blood Cholesterol

To navigate the complex underwriting procedures of insurance companies and acquire the most affordable high blood pressure insurance plan, you need a highly skilled insurance agent who can simplify all that is left up to you.

Our team DiabeticInsuranceSolutions.com is made up of seasoned final expense insurance specialists who are passionate about helping everyone, regardless of their illnesses or health problems, get the finest possible burial insurance coverage.

We’ve been assisting clients for over 26 years, and we hold licences in 49 states. We exclusively work with top-rated A+ insurance providers who provide competitively priced, outstanding final expense insurance products.

We only require a little of your time so that we can learn your specifics.

With your information, we can without a doubt tell you which insurance company has the best rates because we have an in-depth understanding of the underwriting procedure and rates of the leading insurance companies in the nation.

Contact us right now! We guarantee you a straightforward, stress-free interview process.

Conclusion

You might be shocked to learn how many insurance companies offer burial plans for those with high cholesterol, even if you may have been taught that the disease is a matter of life or death.

Some insurers will offer coverage even if your doctor objects, whether it’s because they want to attract more customers or just don’t want people to pass away before their plans are paid out.

What information is necessary for purchasing final expense insurance, then? Find out if this sort of policy is appropriate for you by requesting an instant quotation from one of our knowledgeable representatives!

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