How Your Health Today Affects Your Funeral Insurance

Ideally, your should start your funeral life insurance earlier in your life because of your age and in most cases better health (we’ve had a couple of clients that actually improved their health with healthier habits).

If you haven’t started earlier, then your best choice is to consult a Life Insurance Agency. Most Life Insurance Agencies have access to many carriers and can help you pick the best one for your health condition. We are appointed by more than 20 carriers, which are licensed in different states. Each company have their own underwriting and you may get a lower “healthy rate” and first-day-coverage with one and a higher rate with 2 to 3 years wait with another.

Your agent, which has to be licensed in each state, can ask you a few health questions, go over your prescriptions, and present the best companies for you in your state.

Noreen NevesCelso Neves
Field UnderwriterField Underwriter
Life Insurance Licenses: AZ-2629004, AR-2629004, CA-0B60932, CO-569659, FL-W495208, GA-3203509, HI-521108, IL-2629004, KS-2629004, KY-1092933, MD-3000916122, MI-862327, MO-8440709, NV-3341840, NM-2629004, NC-2629004, OH-1191564, OK-3000308949, PA-851989, SC-2629004, TN-2401677, TX-2299312, UT-789788, VA-1076229, WV-2629004

How your health today affects your rates.

Along with your age, your health today affects how low your payments can be. Try to apply before any of the following:

  • A new or worsening health condition
  • Your doctor increases a dosage or prescribes a new medication
  • Your doctor requests a medical exam
  • Your doctor recommends a surgery
  • You feel any of the symptoms of COVID-19

We Got It All Figured Out For You!

Our experienced licensed field underwriters can qualify you after a quick health assessment over the phone. We have consolidated all carriers together and created a simplified guideline that illustrates the best scenario of how your health condition may affect your rate class: your life insurance premium and the wait time for full-coverage.

Health Condition Rate Class
Amputation (due to diabetes) Preferred
Aneurysm Preferred
Angina Guaranteed Acceptance
Arthritis Preferred
Asthma Preferred
Atrial Fibrillation Preferred
Bi-Polar Disorder Preferred
Blood Clots Preferred
Blood Thinners Preferred
Cancer (more than 2 years) Preferred
Cancer (less than 2 years) Graded II
Cancer (active) Guaranteed Acceptance
Congestive Heart Failure Graded II
Cholesterol (controlled) Preferred
Chronic Bronchitis Preferred
Cirrhosis Graded
COPD (mild) Preferred
COPD Severe Graded II
Crohn’s Disease Preferred
Cystic Fibrosis Preferred
Defibrillator (more than 2 years) Preferred
Defibrillator (less than 2 years) Graded
Dementia Guaranteed Acceptance
Depression Preferred
Diabetes with no complications Preferred
Diabetic Coma (more than 2 years) Preferred
Diabetic Coma (less than 2 years) Graded II
Diabetes (insulin before 25 years old) Graded II
Diabetes (insulin after 25 years old) Preferred
Dialysis Guaranteed Acceptance
Diverticulitis Preferred
Drug or Alcohol Abuse (18 Months) Preferred
DUI/Reckless Driving Preferred
Epilepsy Preferred
Felony Preferred
Fibromyalgia Preferred
GERD Preferred
Heart Attack (more than 2 years) Preferred
Heart Attack (less than 2 years) Graded
Hepatitis (not cured) Graded
Hepatitis (cured more than 2 years) Preferred
High Blood Pressure Preferred
HIV or AIDS Guaranteed Acceptance
Home Health Care Preferred
Insulin Shock (more than 2 years) Preferred
Insulin Shock (less than 2 years) Graded
Kidney Disease Graded
Lupus (hospital visit 12 months) Graded II
Lupus Preferred
Multiple Sclerosis Preferred
Muscular Dystrophy (no meds) Preferred
Muscular Dystrophy (meds) Graded
Nephropathy Graded
Neuropathy Preferred
Nicotine products (except for cigarettes) Preferred
Overweight Preferred
Oxygen (24 hours) Guaranteed Acceptance
Oxygen (less than 24 hours) Graded
Pacemaker (more than 2 years) Preferred
Pacemaker (less than 2 years) Graded
Parkinson’s Disease Preferred
Retinopathy Preferred
Schizophrenia Preferred
Seizures Preferred
Sickle Cell Anemia Preferred
Sleep Apnea (with oxygen or not) Preferred
Smoking Preferred-Smoker
Stroke (more than 2 years) Preferred
Stroke (less than 2 years) Graded
TIA-Trans Ischemic Attack Preferred
Tumor Preferred
Wheelchair (due to accident) Preferred
Wheelchair (due to underlying health condition) Graded

Burial Insurance has to be Guaranteed.

Non-MedicalPayment is fixedBenefit is fixedNever expires

Save $1,000s on your Funeral on Top of the Additional Benefit (*).

Now that you know how to increase the benefit you’ll leave to your family by $1,000s (*), you can plan ahead, lower the funeral costs and save a couple of $1,000 more so you can handle inflation and leave some extra as a legacy. (*) with the same payment.

SeniorDefense.Org does not require a subscription and is loaded with information that can help you plan and save $1,000s on your funeral:

You can fully protect your family today!

  1. Get a quote online or call us
  2. Get a quick non-medical health assessment
  3. Pick your plan from the best for you in your state
  4. Get approved instantly
  5. Get started with no upfront payment