Burial Insurance With Diverticulitis

Jake Irving

Jake Irving is the Founder of Policy and has contributed to articles for Synchrony Financial, GoBankingRates, Yahoo News, UpCity, Zapier, LegalZoom, and more.

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Diverticulosis can be a painful condition. Diverticula are small pouches that can develop in the colon wall and are not usually painful, but when these pouches become inflamed, symptoms and pain start. This is when you would be considered to have diverticular disease, also known as diverticulitis.

Someone who has this condition may be directed to adjust their diet to reduce diverticulosis symptoms. Something you will not have to change is which life insurance provider you use.

Will I Be Able To Get Burial Insurance With Diverticulitis?

Diverticulitis is a pre-existing condition that is not routinely asked about in the application process for burial insurance. Having this condition alone is not going to make a difference in obtaining coverage. Still, you should work with an independent agent to get the best policy.

However, some burial insurance companies will ask about recent hospitalizations and surgeries. So, if you have been hospitalized or had surgery, this could make a difference in acceptance. This is dependent on the company’s health qualifications and the amount of time that has passed since your surgery or hospitalization.

Final Expense Insurance Basics

Burial insurance for seniors is a type of whole life insurance that offers permanent coverage. It is also commonly referred to as funeral and final expense insurance.

These plans are geared towards people 50 – 80 looking for affordable and permanent coverage with a death benefit of under $50,000. The money is usually intended to pay for the funeral expenses of the insured, so this cost does not burden their family.

All whole life funeral insurance policies come with the following primary benefits.

Standard Benefits

  • No Expiration
  • Coverage Lock
  • Price Lock
  • Builds Cash Value
  • No Medical Exam

Underwriting: Does Diverticulitis Matter For Funeral Insurance?

Underwriting is the process in which the company determines if it will provide coverage to someone. They do this by asking a series of health questions and checking the applicant’s prescription history.

Health concerns are very specific when it comes to getting coverage. Some companies do not mind if you have a certain pre-existing condition, while others might deny coverage to the same person. Each company has a different risk tolerance.

Fortunately, diverticulitis is not commonly mentioned in the health questions for most funeral insurance companies. There is, however, end of life insurance plans that will inquire about recent surgeries or hospitalizations. Typically, the companies that will ask about these two health history concerns also ask about the timeline it occurred.

Man and women standing outside

Best Companies For Final Expense Insurance With Diverticulitis

There are several excellent funeral insurance companies. However, there are three main things that you will want to look into before applying for coverage with a final expense insurance company.

Carrier Financials: Only apply with insurance companies that have a strong financial rating. This can be found through an internet search.

Start Date: Always attempt to get immediate coverage. Some health conditions make this impossible. However, diverticulitis is not one of these concerns.

Price: Getting the lowest price is very important. Ultimately a lower premium could mean you can afford more coverage.

How Do I Apply for Funeral Insurance with Diverticulitis?

There are two main ways to purchase senior final expense insurance.

Captive Agent: This type of agent or agency can sell products from only one company. They are “captive” to this provider. If you are looking for the best burial coverage, these companies often will not have competitive products, meaning higher health standards and higher prices.

Independent Agent: This type of agent can represent as many insurance companies as it chooses. They are independently contracted with the providers they represent, which allows them to find the lowest possible price for your medical history.

Final Thoughts On Funeral Insurance With Diverticulitis

a. Finding affordable burial insurance with diverticulitis is easy as it will not affect your ability to qualify for affordable coverage.

b. Working with an independent agency is going to be your best chance to secure coverage at the lowest rate, especially if you have a health concern that could raise a red flag with a provider.