(PRWEB) September 01, 2013
Burial life insurance or final expense insurance has the advantage of building cash value that will be later used to pay for all funeral costs and alleviate the financial responsibilities of the family.
The answer to the question is yes, people can still get burial life insurance if they have a pre-existing health condition.
For many people, the traditional way of leaving money for dependents is the usage of whole life or term life insurance.
But if they are older and they present some medical issues, there are many chances that they will not get any of those two forms of insurance.
Unlike the policies mentioned before, final expense insurance can be obtained even by those having a chronic condition. The guideline for obtaining it simpler and people can secure this policy easier.
Clients can obtain a simplified issue plan, with a face value ranging between $3000 and $50.000, if they have some health problems like: high cholesterol level, high blood pressure or some minor heart problems.
People will usually have to answer to a set of medical questions, but a medical exam is not required in this case.
But, if people have major medical problems, they can still get final expense insurance with graded death benefit. This has some restrictions. It provides coverage after some predetermined amount of time has passed (typically two years).
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For more information, please visit http://www.buriallifeinsuranceonline.info/.