Burial Insurance & Lupus The Truth 2022

If you have been told that you cannot get affordable burial insurance with lupus or qualify for burial insurance at all this is a flat-out lie. There are great options for affordable burial insurance with your autoimmune disease.

We talk with lupus patients every day and help them find affordable coverage that they qualify for and we will do the same for you. We work with all of the top-rated life insurance companies in the nation.

What this means is that we guarantee the best rate and coverage even for our clients with a lupus diagnosis.

According to www.lupus.org

1.5 million Americans have a form of lupus.

With that being said we and our carriers understand the need for final expense life insurance to provide your family with a fast death benefit when you die. We have seen and heard stories from our clients many times about how their loved ones died and left them with a financial burden that hurt their quality of life.

This is why we do what we do.

Best Burial Insurance Companies for Lupus

Finding the best burial insurance carriers with lupus is simple.

Work with us. We are a national independent broker specializing in burial insurance. We have access to the best life insurance plans available. We hold your hand every step of the way through the process.

We have helped many of our clients get life insurance with lupus. The reason being is that the carriers we work with have simplified underwriting. This means qualifying for coverage is much easier than more traditional types of underwriting.

Furthermore, They work exclusively with people that have pre-existing conditions most of the time. They understand that consumers with lupus can still live a long fulfilling life with the condition.

Not all of them will accept lupus and that is why it is crucial for you to work with one of our agents because they are trained to know exactly what carrier will approve you.

Burial Insurance Underwriting

As we mentioned before they use simplified underwriting when looking at your health conditions.

You will never need to take a medical exam for these plans they won’t do any blood tests and run away like a vampire. When it comes to burial insurance with lupus they will ask you health questions and perform a Medical Information Bureau Health Report & Prescription Check.

Medical Information Bureau(MIB)

The Medical Information Bureau is a database where all your medical reports and information is stored. Every time you have been to the doctor, hospital, clinic, any diagnosis is all recorded in this database and linked to your Social Security Number.

This means when you are applying for life insurance coverage they will look at this database to see how your conditions are being handled. If everything checks out and lines up with their application questions you will be approved.

Furthermore, you can be approved for level day one coverage with your lupus with the right carrier which is great isn’t it?

“I also really admire The Lupus Foundation of America for their efforts to help improve the quality of life for patients with this disease.” – Tim Connon Founder & CEO ParamountQuote

Prescription Check

The carriers will also perform a prescription check at the time of the application. The great news is they will not look at lupus medications as red flags most of the time.

Acceptable Medications Include:

  • Hydroxychloroquine
  • Steroids
  • NSAIDs
  • Ibuprofen
  • Naproxen
  • Indomethacin
  • Nabumetone
  • Celecoxib
  • Aspirin

Furthermore, when looking for insurance and insurance quotes from other companies is they want to take a “one size fits all” approach to their customers this means they will stick you into a 2 year waiting period guaranteed issue life insurance policy when you do not need it.

A guaranteed issue policy should be a last resort if you cannot qualify for anything else.

Types of Burial Insurance to Avoid

Burial insurance is a marketing term for whole life insurance. With that being said there are types of burial insurance that are not whole life and need to be avoided.

Term Life Insurance

This is not burial insurance because it will expire. Term policies only last for a length of the term, once that term is over if you re-apply the premium will increase to reflect your new age. If you get sick in between the renewal they may deny you coverage.

Furthermore, this is why we speak with so many clients that had rates increase on them or their coverage dropped because they were not prepared for what their coverage actually was. The clients we have spoken with believed they did have burial insurance only to find out it became unaffordable and a burden to keep in force.

Real burial insurance needs to be whole life insurance that is permanent coverage for the rest of the time you are alive. This means that no matter what happens your rate never increases and your family is guaranteed that death benefit.

TV Advertising

With burial insurance and lupus you must be wary of TV ads promoting this product.

Unfortunately most of the time these advertisements lead consumers into buying a product with a 2-year waiting period or a term because the consumer did not read the small print in the commercial.

False Price Advertising

Last but certainly not least is false pricing. TV Ads promote $9.99 policies when in reality this means $9.99 per unit of insurance which is $9.99 per every $1000 of insurance. This means if you wanted a policy for $10,000 of a face amount you would be paying $90 a month. Here’s the kicker, if you are healthy and at a certain age you could wind up paying $30 a month for $10,000 of coverage.

This is why you are doing the right thing right now. Doing research and homework to make sure you are making an informed decision.

Trust The Experts

To see pricing on burial insurance carriers and speak with one of our agents fill out the form to your right.

We are experts in this field and know all of the ins and outs. We will answer any questions you have and help you find the best coverage for you. Within 10 minutes of speaking with one of our agents, they will know exactly what plan you qualify for.

Here at ParamountQuote, we help 90% of our clients get day one level coverage even if they have moderate health conditions like COPD, CHF, etc.

FAQ’s

“Can lupus patients get life insurance?”

Yes, you just have to know which company to apply for that’s where we come in.

“Can you get life insurance with an autoimmune disease?”

Yes, you just need to know what company allows this in their underwriting.

“Is lupus a pre-existing condition?”

Yes, but it will not disqualify you from getting burial insurance.

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