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Qualifying For Final Expense Life Insurance With Cirrhosis

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In This Article, I’ll Discuss How You Can Qualify For Final Expense Life Insurance With A History Of Past Or Present Cirrhosis

Cirrhosis is a debilitating disease of the liver that can cause a host of issues, including qualifying for quality final expense life insurance coverage.

In this article, I will describe what cirrhosis and its variations are. Also, I will describe how the severity and timing of your cirrhosis impacts your insurability.

The Mayo Clinic defines cirrhosis as “late-stage scarring of the liver, caused by many forms of liver diseases and conditions, like hepatitis and chronic alcoholism.”

Cirrhosis is the outcome of the liver healing itself so many times that the liver cannot perform its basic functions and full capacity. Other possible causes of cirrhosis include fat accumulation in the liver, cystic fibrosis, destruction of bile ducts, and from medications such as methotrexate.

Here’s An Overview Of Today’s Topics:

Cirrhosis and Final Expense Life Insurance

As mentioned previously, your ability to qualify for final expense life insurance with a cirrhosis diagnosis may prove difficult under certain circumstances.

In most cases, if you have cirrhosis, the only policy that is available to you is a guaranteed-issue, two-year waiting period policy.

The advantage to a two-year waiting period policy with a cirrhosis diagnosis is that the insurance carrier will not ask any health questions to approve you.

final expense insurance cirrhosis

Discover how to qualify for final expense insurance with a history of cirrhosis

However, the downside is that you have no coverage for natural causes of death within the first two years of the plan.

Why Cirrhosis Patients Should Consider Guaranteed Issue Final Expense Life Insurance

The truth is that there aren’t many options for final expense life insurance coverage when an applicant has liver cirrhosis. Therefore, the sooner you start your coverage with a no-questions-asked life insurance product, the sooner you get to work on passing the two year limitation of coverage.

As an insurance agent since 2011, I’ve insured all sorts of people who fall in the same category as the person with cirrhosis does.

And while not all make it past the two year mark, many do, and are exceedingly pleased to know their coverage is “as good as gold” when the time comes.

Additionally, many of those who took out a guaranteed issue policy with me ended up dying shortly after crossing the two-year mark where they were fully covered.

I remember one gentleman in particular being quite grateful for having what he did on his wife. She died six months after her two year waiting period policy was up.

And had he not purchased the guaranteed issue policy on her through me, he wouldn’t have had nearly enough money to fund her funeral.

Burial Insurance Rates, Age 40 to 90*


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*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.

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