Getting approved for burial insurance after breast cancer is often simpler than anticipated (in many situations). Whether you’re a cancer survivor or undergoing treatment, it’s important to realize that burial insurance options are available to you.
This article will detail how life insurance companies evaluate breast cancer patients, guide you in finding the optimal burial insurance after dealing with breast cancer, and help you discover the most cost-effective options available to you.
Securing burial insurance following a battle with breast cancer offers invaluable peace of mind. It ensures financial protection for end-of-life expenses, alleviating the burden on loved ones. After facing the challenges of breast cancer, individuals seek assurance that their families won’t bear the weight of funeral costs.
Burial insurance serves as a practical solution, covering funeral, burial, and related expenses. Given the uncertainties of health post-cancer, this insurance provides a safety net, offering a sense of closure and security, allowing survivors to focus on recovery without worrying about future financial obligations for their final arrangements.
Understanding your chance of survival is crucial to knowing the type of final expense insurance policy being presented to you.
Once treatment is over 2 years ago, you can get a simplified issue whole life insurance policy, regardless of your family history.
Every cancer is unique. The experience of having stage 3 breast cancer will differ from having stage 1 thyroid cancer.
If it’s a terminal illness, we have a life insurance carrier that guarantees acceptance and can provide assistance.
Here’s a chart showing whole life insurance rates by age, providing sample burial insurance quotes.
There are rates for plans with no waiting period and for policies that are guaranteed acceptance (have a two-year wait).
Remember, the cost of burial insurance depends on your precise age, where you live, gender, health conditions, tobacco use (if any), and the coverage amount you seek.
Age | Female $10,000 Simplified Issue (Monthly Rates) | Female $10,000 Guaranteed Acceptance (Monthly Rates) (Monthly Rates) | Male $10,000 Simplified Issue (Monthly Rates) | Male $10,000 Guaranteed Acceptance (Monthly Rates) |
45 | $22 | $28 | $27 | $33 |
50 | $24 | $30 | $30 | $36 |
55 | $27 | $38 | $35 | $45 |
60 | $32 | $42 | $43 | $55 |
65 | $41 | $51 | $54 | $66 |
70 | $51 | $69 | $70 | $89 |
75 | $71 | $98 | $99 | $121 |
80 | $98 | $140 | $139 | $166 |
85 | $135 | $170 | $192 | $230 |
After having breast cancer, you DON’T need a medical exam to qualify for burial insurance.
When applying, you’ll only need to answer basic health questions. The process is straightforward; no medical records, blood, or urine samples are required.
You’ll get the official approval from the insurance company often within minutes!
When you request a burial insurance quote, we will ask you some health questions to better understand your current health.
When you ask for a burial insurance quote, we’ll inquire about your health to gain a better understanding of your current condition.
These Questions May Include:
Your responses to these breast cancer-related questions will assist us in determining the burial insurance plan you qualify for and the associated charges from life insurance companies.
We specialize in assisting breast cancer patients and survivors in obtaining the most suitable burial insurance policy. Our aim is to match you with the life insurance provider offering the best rates for individuals affected by breast cancer.
Here are some of the benefits of purchasing a burial or funeral policy:
Insurance policy riders offer additional benefits to your policy. By adding riders, you can tailor your policy to better suit your needs. Some riders are included in your policy, while others can be added for an extra cost. Many riders are affordable and require minimal or no underwriting.
Here’s a list of common burial insurance riders:
FUNERAL FUNDS ADD-ONS | AVAILABILITY |
Terminal Illness Add-On Benefit | Included with most plans |
Nursing Home Care Add-On Benefit | Included with most plans |
PLANS TO AVOID | WHY? |
Term life | Premiums increase after 5 years. Coverage ends after 80. |
Pre-paid funeral plans | Expensive |
Universal life | Tied with stocks |
No health questions policies | With 2-year waiting period |
Plans offering “teaser rates” | $9.95 per unit plans or $1 buys $100,000 coverage |
Over priced plans | Insurance from TV and junk mail |
Plans that accept mail-in payments | Risky |
Plans that accept Direct Express | High lapse rate |
Plans that accept Credit Cards | High lapse rate |
Absolutely, individuals with breast cancer can obtain burial insurance. Moreover, if you’ve been cancer-free for two years or more, you may even qualify for a plan that offers coverage from the first day.
If you’ve been cancer-free for two years, the ideal insurance choice would be a first-day coverage plan. Yet, if you’ve had a recent breast cancer diagnosis and treatment, the most suitable option would be to opt for guaranteed issue life insurance.
No, breast cancer itself is not classified as a disability. However, if your cancer treatment has hindered your ability to work, you might qualify for long-term disability insurance.
Burial Senior Insurance is a website that provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
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