Exploring Burial Insurance Options for Individuals with Arthritis

September 28, 20236 min read


Burial insurance holds significant importance for all individuals, especially as the elderly population in the United States continues to grow. Conditions like arthritis can impose numerous limitations, complicating daily activities. This piece will delve into how arthritis might impact your burial insurance application and provide guidance for ensuring your needs are met as an applicant.

Final Expense Insurance For Applicants With Arthritis

Understanding the challenges posed by arthritis, we are dedicated to sourcing the best and most cost-effective final expense insurance for seniors.

We assure you that even with arthritis, we can secure insurance coverage for you at the lowest feasible rates, commencing from day one.

With our extensive experience in assisting clients with arthritis and various health conditions, we exclusively offer top-quality final expense insurance from A+-rated insurance companies.

Our satisfied customers have recommended us to their acquaintances due to the exceptional insurance coverage we provide!

Let us lend you a hand today! We'll conduct a brief phone interview using a voice signature method, recognizing that writing might be challenging for you presently, especially if you have multiple pre-existing conditions.

Final Expense Insurance Companies And Arthritis

Here's the reassuring news: in today's final expense insurance market, no insurance firm scrutinizes arthritis.

During the underwriting process, no insurance company will inquire about your health, and even if they do, having arthritis of any kind won't impact your application.

Burial Insurance Arthritis No Medical Exam

With burial insurance providers not requiring a physical or medical exam, having arthritis won't pose any issues.

Rest assured, if you have arthritis, you can expect the lowest rates with immediate insurance coverage starting on day 1. This type of final expense insurance plan is known as a "Simplified" final expense insurance plan.

However, it's important to note that while insurance companies do offer simplified insurance coverage, you still need to go through an underwriting process.

Burial Insurance Underwriting Of Arthritis

During the underwriting process of an insurance company, they typically assess your prescription history and ask health-related questions.

Since we've established that arthritis is not typically mentioned in the health inquiries of the underwriting process, getting approved should pose no difficulty if arthritis is your only concern.

It's almost as if the underwriting process didn't occur at all.

Types of arthritis that burial insurance companies are generally accepting of include:

  • Gout

  • Osteoarthritis

  • Psoriatic arthritis

  • Rheumatoid arthritis

  • Septic arthritis

While any insurance company may offer a simplified insurance plan, it's important to choose one carefully.


Life Insurance With Arthritis

Underwriting Prescription History

Final expense insurance carriers typically cover all commonly prescribed arthritis medications, just as they do arthritis itself.

Seeing these standard arthritic medications on your prescription history should not pose any issue.

Some of these medications include:

  • Azasan

  • Azathioprine

  • Celebrex

  • Hydroxychloroquine

  • Imuran

  • Methotrexate

  • Plaquenil

  • Rituxan

Therefore, if arthritis is your sole concern, you can anticipate being eligible for a simplified insurance plan.

Other Considerations Regarding Arthritis That May Impact Your Insurance Eligibility

This is the juncture where it becomes imperative to consult with seasoned Final Expense Insurance Specialists who have connections with top-rated A+ insurance companies.

Utilizing a wheelchair

While some insurance providers may impose higher costs and a 24-month waiting period for individuals requiring a wheelchair due to arthritis, we collaborate with top-rated A+ insurance providers who accommodate such circumstances for individuals with arthritis and wheelchair usage.

Assistance for Rheumatoid Arthritis in Activities of Daily Living

If your arthritis has progressed to the point where you require assistance with Activities of Daily Living (ADLs), your eligibility for a simplified insurance plan may be affected.

Activities of Daily Living include:

  • Bathing

  • Dressing

  • Eating

  • Taking Medication

  • Toileting

Securing a simplified insurance plan with the lowest rate and immediate coverage may prove challenging if you rely on assistance for one or more of these activities.

Unfortunately, if you require assistance with ADLs, many final expense insurance companies may deny your application.

However, there are reputable insurance providers with A+ ratings that are accommodating to applicants needing ADL assistance due to arthritis.


If Your Arthritis Application is Denied

If you're unable to qualify for a simplified insurance plan due to a combination of health conditions, your next option is a "Guaranteed Issue" insurance plan from another top-rated A+ insurance provider.

One advantage of guaranteed issue insurance is that it doesn't require health-related questions, medical history checks, or medication history evaluations.

Although there's a 24-month waiting period before receiving the full death benefit under this plan, if you pass away before that period ends, all premiums paid will be refunded to your beneficiary with an additional 10% interest.

You'll still receive the full death benefit after the 24-month period.

However, if arthritis is your sole health concern or even if you require assistance with ADLs, you may still qualify for a simplified plan, albeit it may require careful consideration.

If you suspect you may have additional health issues beyond arthritis, please don't hesitate to reach out to us. We're here to assist you in finding the best insurance company for your needs.

How to Secure the Best Burial or Final Expense Insurance Policy for Those with Arthritis

Securing the ideal funeral or final expense insurance for individuals dealing with arthritis entails several essential steps. First and foremost, honesty and transparency about your medical condition are paramount during the application process. Fortunately, many insurance providers accommodate arthritis, a prevalent health condition among applicants. Additionally, seeking guidance from a burial or final expense insurance expert can prove invaluable. They possess the expertise to steer you toward the most suitable policy tailored to your specific needs.

It's advisable to compare quotes from various insurance companies to ensure you're obtaining optimal coverage at a reasonable price. Take note of policy terms, coverage limits, and any waiting periods involved. While some policies offer immediate coverage, others may entail a waiting period before the full death benefit kicks in. Lastly, opting for a level premium insurance plan ensures consistency and cost stability by maintaining a fixed premium throughout the policy's duration. By following these steps and seeking professional guidance, you can secure the best burial or final expense insurance policy for your circumstances, even in the presence of arthritis.

Cost-Effective Burial Insurance With Arthritis

Our team comprises seasoned final expense insurance advisors dedicated to assisting individuals with arthritis in securing the most suitable burial insurance coverage.

With licenses in 49 states and over 26 years of experience, we exclusively offer top-tier coverage from A+-rated insurance providers, complete with advanced supplementary benefits included at no extra charge.

We prioritize your convenience, requiring only a short phone conversation to get started.

For further information on arthritis and insurance options,

Reach out to us today! Rest assured, we ensure a straightforward phone interview process facilitated by a voice signature application.


If arthritis is affecting you or someone close to you, you understand the pain and difficulty it can bring to everyday activities. Recognizing this, we've streamlined the application process for funeral insurance, specifically tailored for seniors dealing with arthritis. Forget about dealing with extensive paperwork or costly application fees. Our experts take care of everything to ensure you receive the best coverage at a rate that fits your budget. Ready to begin? Click here to request a quote and get started.

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