Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.
In This Article, I Will Discuss The Possibility Of Qualifying For Final Expense Life Insurance With A Crohn’S Disease Diagnosis
WebMD defines Crohn’s Disease as, “a chronic inflammatory disease of the digestive tract.”
Symptoms Of Crohn’s Disease
Patients suffering from Crohn’s Disease will experience the following symptoms:
- Abdominal pain
- Rectal Bleeding
- A feeling of fullness in the abdomen
In severe cases, inflammation and obstruction of the gastrointestinal tract can cause other problems. For example, patients may experience bowel perforation, severe pain, and fever.
Crohn’s can cause other parts of the body to experience inflammation. For example, a patient can experience joint, eyes, mouth, and skin swelling in severe cases.
Here’s An Overview Of Today’s Topics:
- How Crohn’s Disease Affects Qualifying For Final Expense Insurance
- Mild Crohn’s Or Crohn’s In Remission
- Severe Cases Of Crohn’s Disease
- Burial Insurance Rates, Age 40 to 90*
- Next Steps
How Crohn’s Disease Affects Qualifying For Final Expense Insurance
In the following section, I will discuss the likelihood of qualifying for final expense life insurance with a Crohn’s diagnosis.
Specifically, I will break down the different levels of severity of the symptoms and categorize the likelihood of qualifying based on that.
We are dedicated to getting people like you the life insurance coverage they need. Regardless of your goals, Buy Life Insurance for Burial wants to help you meet them.
Our job is to help you take care of your family, and we want to do that by offering you a free life insurance quote.
It is a quick process, and it can be done by phone at (888) 626-0439. If you prefer to message us, please see the left side of the screen. Fill out the form and tell us how we can help you today. We will answer your message within the next 24 business hours.
Mild Crohn’s Or Crohn’s In Remission
If your Crohn’s disease is well-managed or even in remission, you will likely experience no difficulty in qualifying for final expense life insurance.
However, there are some carriers that will still penalize you for a Crohn’s diagnosis.
It’s important that you avoid those carriers, and make an effort to find final expense life insurance carriers that do not ask about Crohn’s Disease.
As a final expense life insurance broker, I know which carriers are best. Reach out to me at 888-626-0439 to let me help.
Story From The Field
Today’s story happened back in 2014. I was working with one of my clients, who we will call Mr. Cox. When I was writing up his burial plan with him, he mentioned to me that he wanted his mother to get insurance, too.
Mrs. Cox was 81, and she was in need of it badly. She had also had heart surgery recently, only adding more pressure on the issue.
A few days later, I go to see Mrs. Cox, and she started to tell me about her life. She had worked up until she was 80 and had to retire because of her heart surgery. She worked at a dry cleaner for most of her life, and she was struggling with the lifestyle change.
It turned out that Mrs. Cox did have some type of insurance. She had a term insurance product that was designed where its rates would go up annually and cancel out at age 90. She got this policy when she was 70, and when she first took out the policy, she was only paying $60 per month.
The plan was for $40,000 in life insurance coverage, and she was happy with it at first.
Now that she wasn’t working and she was adjusting to a new lifestyle, this plan didn’t work for her. Over the course of the 11 years that she had this product, its monthly rate had gone from $50/month to $300/month. She was clearly being ripped-off.
I was completely blown away. No one should be paying this much on a policy, especially at retirement. At this point, Mrs. Cox simply couldn’t afford $300 a month anymore without her job.
Because she had a recent surgery and a history of health problems, this made her situation worse. We shopped around for Mrs. Cox, and the best we could qualify her for required a two-year wait. This meant that she needed to wait two years before her coverage would come into effect.
This isn’t something that I would recommend, but it was the best that I could do. Mrs. Cox was in a difficult position, and there was not much she could do at that point to help herself. Luckily, she was able to work with a broker like us to change her plan to something more affordable for her, even though we would have liked to do better for her.
The reason I wanted to share this story with you is that it shows the long-term damage done when you get the wrong type of life insurance. It also shows how many single life insurance companies are willing to rip-off their clients.
You need to make sure you get the best policy possible, and the way to do that is working with a broker like Buy Life Insurance for Burial. We want the best for our clients, which can’t always be said by those who represent just one life insurance company. We want to help you meet your goals, and we want to find a policy that is the right fit for you and your family.
If your Crohn’s case is severe enough to hospitalize you, you may experience more difficulty qualifying for final expense life insurance.
The main point of difficulty is not necessarily the Crohn’s. In most cases, it’s the hospitalization.
Some final expense life insurance carriers have questions in the application that restrict coverage for applicants who have been hospitalized within the past 6 or 12 months. However, the good news is that not all final expense life insurance applications have this question.
We hope you enjoyed this video on exams and life insurance. If you’d like to learn more about your options or have any questions, call us at (888) 626-0439. We will give you a free, no obligation quote and go over your options with you.
Also, we have a messaging system. To message us, submit the section on the left side or bottom of the screen. Tell us what information you are looking for and how we can best reach you. After we get your message, we will get back to you within 24 business hours.
Case Study Examples
New wife wants peace of mind
Mrs. Campbell just got married, and she reached out to me because she thought it was time that she take out life insurance. Why? She was in a new, legal situation where she was and her new husband were now financially responsible for each other.
If she passed away, she didn’t want to leave her husband with significant, long-term financial problems. She wanted to make sure that he would be covered in case of an emergency where she passed away earlier than expected.
She was 34 years old at the time and was a great candidate for life insurance except for one health-related issue. She struggled with a weight problem. It was not too severe, but she was working towards a healthier weight. Mrs. Campbell was worried that because of her health, she might get denied for coverage.
Thankfully, that didn’t have to be the case because she worked with Buy Life Insurance for Burial. We were able to shop the available life insurance companies that we represent to find the best combination of pricing and coverage for Mrs. Campbell.
We were able to offer her a plan that met her goals and that their family could afford. She was thrilled to know that if anything were to happen to her that Mr. Campbell would not be in financial distress.
At the end of the day, no one can guarantee that you will be eligible for coverage, even if you match this situation identically. Regardless, we can promise that Buy Life Insurance for Burial will work just as hard for you. We do our best to find the optimal combination of quality and affordability for every client.
Loan requires life insurance
When applying for a loan, the bank often requires individual’s who are seeking the loan to take out a life insurance policy against their own death and indemnify. This is because the bank wants to protect itself in case the individual paying off the loan were to pass away prematurely.
This was the case for my client Ms. Collins. Despite being only 44, the bank was requiring her to get a life insurance policy so that they would make sure that there was no financial burden left on them in the situation that Ms. Collins passed away.
In applying for life insurance, Ms. Collins had one problem. She had a history of high blood pressure. For the recent years, there were no incidents, and it was kept under control, but she still worried that her blood pressure history would be an issue.
Despite her history of high blood pressure, Buy Life Insurance for Burial shopped around for Ms. Collins. Eventually, we found the perfect combination of coverage and price that fit with the exact needs of her bank. Ms. Collins needed this loan to grow her current business, and now, thanks to us, she could.
If you are trying to grow your business or you need coverage even though you have blood pressure issues, consider reaching out to us today. Remember we can’t promise you the same outcome as Ms. Collins, but we would love to go over your options with you.
We want to make sure that you and your loved ones are protected, no matter what!
Burial Insurance Rates, Age 40 to 90*
Rates For $5,000 In Burial Insurance
Rates For $10,000 In Burial Insurance
Rates For $15,000 In Burial Insurance
Rates For $20,000 In Burial Insurance
Rates For $25,000 In Burial Insurance
*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.
The Main Reasons People Get Life Insurance Online
1. Background checks
There is an old saying, “information wants to be free.” This is especially true today. Thanks to websites like Google and YouTube, you can verify that you are working with the right people.
You can even check Facebook to see what people are saying about these companies.
It is quite easy now to tell if someone is reputable or not, and this is a major advantage to purchasing insurance online.
2. You are in control
Thanks to technology, there now simplified ways of doing anything, even getting life insurance. You no longer have to rely on old-fashioned life insurance processes.
Now, you can take your time and research everything you need to. You can do your due diligence, and you are in control of your decisions. You don’t have to rely on an agent to get information, and you know that you can trust what you are learning because it is coming from you.
This also means that you can get life insurance online. For example, it is easy to get insurance through a broker like Buy Life Insurance for Burial. We provide you with the tools you need, and you can choose to use them or not.
In this modern world, being in control matters. Thankfully, with your life insurance, you don’t have to give up any control anymore. This way, you and your family get exactly what you need in terms of your life insurance goals.
3. It is comfortable
This process is designed with the consumer in mind. You can do this process at a pace that works for you. There is no pressure on you to speed up or slow down. It fits with exactly who you are, no matter who you are.
Plus, you can do it from the comfort of your own bed. You don’t even have to get up to get life insurance anymore. It is easy, simple, and tailored to your needs.
4. No salespeople
Sadly, while some salespeople are trying to do good, there are others that have taken advantage of consumers with their shoddy products and high-pressure tactics. Now, many salespeople are overlooked because everyone just assumes they are bad.
Luckily, the internet takes that factor away. You don’t have to worry about assessing the salesperson in your home is genuine or a fraud. You can answer all the questions you have on life insurance yourself thanks to Google and brokers like Buy Life Insurance for Burial.
Buying life insurance has never been easier. If you don’t want to give up control, and you want the best deals, consider buying life insurance online through Buy Life Insurance for Burial.
5. No pressure
This means you can take your time to make a decision. You don’t have to answer someone in person right away. Again, you don’t need to worry about being pressured into a plan just because an agent is telling you to do so.
The fact of the matter is that the Internet has really shifted all of that. Now, you can be in control, and you can take your time to look into all of your options.
As an agent, I always urge action over inaction, but I know how important time is when making a decision. When you buying insurance online through us, you can take all the time you need. But remember, don’t procrastinate, you never know what could happen at any moment, and you want to be covered.
Thus, you may still have the ability to qualify with less difficulty. As long as you work with a final expense broker who understands the different applications, and can help you select the best carrier.
This is what we do at Buy Life Insurance For Burial. We shop the most competitive final expense life insurance companies for you, so you can get the best combination of coverage and price.
Give me a call at 888-626-0439 now. Or, you can request a quote by sending a message to the left, or chatting with me personally using the pop-up box below.
We hope you enjoyed this article on qualifying for final expense life insurance with Crohn’s disease. We know that getting life insurance can be difficult when you struggle with a chronic illness.
We want to help you today. Consider reaching out to us here at Buy Life Insurance for Burial so we can help you achieve your life insurance goals. Regardless if they are to pay for final expenses, replace your income, or take care of your family, we want to work for you to find the best quality coverage.
All you have to do is contact us. You can do this by calling us at (888) 626-0439 or messaging us using the form on the left-hand side/bottom side of the screen.
When you call, one of our experts will go over your options with you and answer all of your questions. Typically this takes 10 minutes or less.
When you message us, please let us know how we can help. Tell us what you are looking for and if you want life or burial insurance. Then, leave us the best way to contact you and we will get back to you in 24 business hours.
Buy Life Insurance for Burial thanks you for reading this article, and we are here to answer any other questions you may have on this topic.