Everyone wants to save money, right? Given that burial insurance can be purchased for as little as $20 a month and that funeral expenditures often run over $7,000.
Cystic fibrosis is not life-threatening, but it can damage the lungs, which accelerates mortality. This blog post will assist you in determining whether low cost burial insurance is the best option for you if you have cystic fibrosis.
Burial Insurance For People With Cystic Fibrosis
Can someone with cystic fibrosis purchase life insurance? Cystic fibrosis (CF) can be very challenging to deal with. CF as well as the many respiratory conditions, intestinal problems, and the potential for shorter than projected life spans.
CF affects the cells that produce our mucus, sweat, and other bodily fluids, unlike other lung diseases including COPD, Chronic Bronchitis, Emphysema, and Asthma.
Because of this, we respect and admire you for making the effort to obtain the greatest final expense insurance in order to be ready when the time comes.
Finding affordable funeral coverage will spare you from having to undergo even more problems while managing your cystic fibrosis.
You can count on us at BestBurialPolicy.com to assist you in locating the most cost-effective insurance coverage available for CF.
CF is a pre-existing condition, yet it is on our qualified health impairment list for day one coverage.
Cystic Fibrosis And Final Expense Insurance Companies
The Good News
Many top-rated A+ insurance companies have no issues with cystic fibrosis at all; they won’t even bring it up in their health underwriting questions, which indicates that they are not actively searching for the disease. For this reason, you can safely assume that it is not a real threat to these burial insurers.
Because all babies in the U.S. are screened for CF, which allows for early detection, these top-tier insurers in the nation do not view this condition as a danger.
“Early detection will allow the patient to receive early prevention or therapies for symptoms and infection with cystic fibrosis.”
Can A Person With Cystic Fibrosis Get Life Insurance
In today’s advancements in medicine, people who are predisposed with CF have a very good chance to push the boundaries of their age of survivability.
Top-rated A+ burial insurance companies that welcome applicants with CF knows that with regular therapies, healthy lifestyle and infection prevention— people with cystic fibrosis can lead happy active lives.
These are the reasons why applicants with cystic fibrosis can easily be offered the lowest priced burial or final expense insurance plan with immediate coverage starting from day 1, this means no waiting period.
This plan is usually called “simplified”, “preferred”, or “level” by the insurance companies. Another good thing is that you will never have to go through a medical or physical exam.
The Bad News
On the other hand, these typical CF conflicts can have a negative impact on the insurance plans that you will be presented with.
Other burial insurance providers may refer to or characterise cystic fibrosis in their underwriting inquiries, so you must reply in the affirmative. This can merely signify that they will reject the application or that they do not offer a reasonably priced insurance plan for people with CF.
Because CF primarily affects the lung’s airways, taking certain bronchodilators that are also used to treat chronic bronchitis and emphysema COPD may put you at high risk.
You won’t be able to get a simpler coverage if your doctor said you need to always have access to oxygen or that you need a lung transplant.
Overall, the severity of your CF will determine the quality and cost of the insurance policies that may be available to you.
“So, how can you qualify for a simplified insurance policy? You need to go through an underwriting process.”
Cystic Fibrosis Underwriting Process Of Final Expense Insurance Companies
You will be asked additional health-related questions during the underwriting process regarding any further illnesses you may currently have or have had in the past that they may find concerning.
In essence, final expense insurance companies will evaluate every facet of your health to determine the quantity of coverage they can afford to provide for you.
In the underwriting process, insurance companies will ask about the following:
- Questions about your present and past diseases (if there’s any) and lifestyle.
- Prescribed medication history assessment.
Final Expense And Cystic Fibrosis Underwriting Health Questions
Health Questions In The Underwriting
Most highly regarded insurance providers won’t refer to cystic fibrosis or frame it as a query.
If you work with an insurance broker that has managed to put you on the spot with an insurer that is strict with CF, or if you tried applying yourself and saw CF referenced in the underwriting questions, you may notice these inquiries:
Have you ever received a cystic fibrosis diagnosis or treatment recommendation?
Some insurance companies may ask questions that would typically be used to characterise chronic lung disorders like emphysema or chronic bronchitis because they believe that cystic fibrosis is a chronic lung disease.
Have you ever undergone medical treatment for persistent lung symptoms?
You have to be honest and admit that you have to answer yes because you have CF and you came across an underwriting insurer who flags it.
Since you provided the CF they requested during the underwriting process, you can anticipate their insurance offerings to have higher prices and possibly longer waiting periods.
No, you did not get in touch with us at BestBurialPolicy.com if CF was brought up during the underwriting process. wink
In spite of the fact that some inquiries about other ailments you may or may not have had look straightforward, you should be cautious when responding to them because doing so will frequently result in coverage offers you do not desire.
In cases like these, it’s essential to speak with an expert in final expense insurance who can help you answer these underwriting questions strategically and honestly in order to get you the finest coverage package.
Cystic Fibrosis Medication And Treatment History Assessment
In essence, insurance firms are performing further due diligence to identify major health conditions that might not have been disclosed accurately or honestly during the underwriting process when asked about them.
They can quickly review the history of your given medications with the aid of computer programmes. By understanding the prescriptions you were prescribed and the ailments you have or have had, they will be able to identify every prescription you have ever received.
If you are given medication for an illness, you are considered to have that disease in the eyes of the insurance provider.
Here are some examples of typical Cystic Fibrosis drugs.
- Anti-inflammatory medications for lung airways
- Antibiotics for the lungs
- Mucus thinning drugs
- Oral pancreatic enzymes to help better absorption of nutrients in the digestive system
The only medication above that might cause some problems are the bronchodilators because it is also used for types of COPDs like chronic bronchitis and emphysema, also asthma.
Life Insurance For Cystic Fibrosis Patients
CF Specific Medications
Here are some of the few medications that are specifically for CF treatment. If you have filled a prescription for any of these medications, the insurance company will automatically consider you as a CF patient.
- Dornase Alfa (Pulmozyme)
- Ivacaftor (Kalydeco)
- Orkambi (Lumacaftor/Ivacaftor)
Other minor treatments for CF that won’t be an issue
- Airway Clearance Techniques: There are a variety of non-invasive methods used to clear the airways of the lungs from thick mucus.
- Feeding Tube: You may need to be fed a formula via a feeding tube while asleep for additional food supplements for needed nutrients.
- Bowel Surgery: A common symptom of CF is bulky stools, a bowel surgery might be needed.
- Endoscopy and Lavage: Vacuum suction of mucus from obstructed airways via endoscope.
- Nasal Polyp Removal: nasal polyps in those is another one of the common symptoms of CF.
Underwriting Conflicts Due To Bronchodilators
There may be some conflicts if you merely have CF because bronchodilators can be prescribed for conditions such as asthma, emphysema, and chronic bronchitis COPD.
Insurance companies may classify you as having either asthma, a type of COPD, or both; this may truly create a dreadful dilemma because some insurance companies may be fine with cystic fibrosis but have tight guidelines with emphysema.
Lung Transplant And Burial Insurance
As we previously indicated, you won’t be qualified for any insurance plan with underwriting if you were advised to get a lung transplant due to cystic fibrosis.
Guaranteed Issue (GI) insurance is the only option you have for protection. There are no health inquiries or reviews of medication and treatment histories as part of the underwriting process for this policy. With this, we can essentially approve you in less than 30 minutes.
In comparison to insurance plans with underwriting, GI policies feature higher monthly premium costs and a 24-month waiting period. For patients with the highest likelihood of having a terminal illness, a waiting period is implemented as a precaution.
The GI plan is typically your sole choice for final insurance coverage if you have had or been advised to have an organ or tissue transplant. The cheapest GI plans can be found from reputable insurance providers. We can undoubtedly assist you in finding the best.
If your doctor recommends oxygen therapy for whatever reason, you may have no choice but to enrol in a “Guaranteed Issue” (GI) plan.
We advise you to get a GI plan if you will require oxygen and are committed to getting a final expense insurance plan.
Other insurance firms that don’t have a GI plan to offer will reject any candidate that is ordered to have oxygen.
Burial Insurance Companies Various Coverage Plans For Cystic Fibrosis
Insurance companies will categorise you and present you with coverage options in accordance with your category once you have undergone the underwriting process, which includes asking you health-related questions and reviewing your prescription history.
Always keep in mind that each insurance provider will evaluate your general health according to their own criteria and have various requirements for insurance coverage.
The following are the most typical offers that last expense insurance firms for CF may make to you:
Cystic Fibrosis Insurance Companies
1) Lowest rates and with immediate coverage (no waiting time period)
The simplest insurance plan will have the lowest monthly payments and no waiting period, providing full death benefits for your beneficiaries from the first day of insurance coverage.
We represent dozens of top-rated A+ insurance providers who can provide a streamlined plan for those with cystic fibrosis.
Please complete the simple quotation form on the right to compare rates from the best insurance providers in your state.
2) A policy with a higher monthly premium
If you weren’t eligible for a simple policy, this would still be the second-best choice and would still be provided by a well regarded insurance provider.
Even if the cost is slightly higher, this is still a wonderful plan because it provides instant coverage from day one.
3) A percentage will be paid immediately or more after some time
This is commonly called a “Graded plan” With higher premiums and a percentage of payout per year.
- 30 to 40% on the 1st to 12th months
- 70 to 80 % on the 13th to 24th months
If you complete the 24 months waiting period, your beneficiaries will be paid the full death benefit amount.
4) A combination of higher premium and a full waiting time period
This will now be made available to candidates who pose the greatest danger.
Many insurance firms will use this kind of policy when considering applicants who they believe to be the highest risk. This is quite simple; there will be a higher monthly premium and a minimum waiting period of 24 months.
Insider Tip: You should compare a Guaranteed Issue plan with the obe above, you can ask one of our independent Final Expense Insurance Specialists for advice on which option is the best for you.
Cystic Fibrosis and Guaranteed Issue Policy
5) Guaranteed Issue (GI) Plan
This will be your last option, similar to what has been described regarding the lung transplant for cystic fibrosis.
Given that you are able to engage into a contract lawfully, as the name implies, you are assured acceptance. There won’t be any inquiries made or a review of drug histories required.
We can certainly have you approved with a GI plan within 30 minutes via phone call.
The monthly rates will be higher and strictly have a 24-month waiting period given the biggest risk that the insurance companies are ready to accept. Additionally, if you pass away at any time during the waiting period, your beneficiaries will receive a 10% refund of all of your contributions.
How To Find The Best Burial Or Final Expense Insurance For Cystic Fibrosis At The Lowest Cost
The qualities that you should be looking for in a coverage plan are the following:
- The one with the lowest monthly premium of all insurance companies that can offer a simplified plan.
- The policy has the highest benefit payment with immediate coverage.
- The insurance company is financially stable with a proven track record.
We here at BestBurialPolicy.com can exactly get you those coverage qualities!
Real Life Funeral Insurance Today!
We are an independent insurance agency with a team of skilled Final Expense Insurance professionals. We have access to the top-rated A+ insurance providers in the nation and only offer top-tier insurance policies with cutting-edge supplementary features offered at no additional cost.
No matter what health challenges they may have, we are driven by a mission to ensure that EVERYONE has access to the greatest burial or final expenditure insurance available.
We are experts when it comes to any reputable burial or final expense insurance provider that we represent, including their underwriting requirements and pricing.
What we only need from you is a little bit of your time to know your details.
With your details, we can absolutely tell you which company will offer the best possible insurance plan no matter how severe your cystic fibrosis is.
Talk to us now! We promise you a simple no non-sense interview process with no pressure at all whatsoever.
Yes, you can obtain life insurance despite having cystic fibrosis. It’s crucial to understand that not all insurance providers will cover CF patients, but we have a team of specialists who focus on providing low cost funeral and life insurance for people with chronic illnesses like cystic fibrosis. When you compare prices from different service providers, you might be amazed at how reasonable it can be. Fill out our fast quote form or give us a call to get started right away!