Underwriting

UNDERWRITING

burial insurance companiesAn insurance underwriter is a professional who will analyze risks associated with insuring people and assets. Particularly for burial insurance underwriting, or final expense insurance underwriting, the process is a bit more simple as there are few risks involved.

It is important to understand, however, that each insurance carrier has its own set of underwriting standards. Certain insurance carriers will cover those experiencing major health issues, while others will not. At USA Life, we are an independent insurance agency, which means that we’re able to choose the right insurance company for your specific health history.

Below, we’ve listed a breakdown of high-risk conditions that are considered pre-existing conditions but are still eligible for coverage*.

*Information subject to change based on carrier changes and industry fluctuations.

  • Amputation due to diabetes
  • Aneurysm
  • Arthritis
  • Asthma
  • Atrial fibrillation
  • Basal cell skin cancer
  • Bipolar disorder
  • Blindness
  • Blood clots
  • Blood thinners
  • Cancer (depending on diagnosis time)
  • Chewing tobacco
  • High cholesterol
  • Chronic bronchitis
  • Cigars
  • Circulatory surgery (depending upon time of surgery)
  • Cirrhosis
  • COPD
  • Crohn’s disease
  • Cystic Fibrosis
  • Defibrillator
  • Depression
  • Diabetes
  • Diabetic coma
  • Type 1 diabetes
  • Disability
  • Diverticulitis
  • Epilepsy
  • Fibromyalgia
  • Graves’ disease
  • Heart attack (depending on time of heart attack)
  • Heart surgery (depending on time of surgery)
  • Hepatitis
  • High blood pressure
  • Home health care
  • Insulin shock (depending on time of event)
  • Kidney disease
  • Lupus
  • Multiple sclerosis
  • Nephropathy
  • Neuropathy
  • Overweight
  • Pacemaker
  • Parkinson’s Disease
  • Pipe smokers
  • Retinopathy
  • Sarcoidosis
  • Schizophrenia
  • Scleroderma
  • Seizures
  • Sickle cell anemia
  • Sleep apnea
  • Smokers
  • Stroke (depending on time of stroke)
  • TIA attack
  • Tumors
  • Wheelchair usage

In addition to your health history, insurance carriers will take your prescription usage into consideration. So it’s important that you have a detailed list of prescription medications handy when you’re ready to apply for final expense insurance.

USA Life Is Here to Help

We don’t want you to feel overwhelmed with understanding the underwriting process and what medical conditions are or aren’t covered by most insurance carriers. As an independent agency, we will work toward your best interest and focus on the right coverage for your individual health history.

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We want to help you protect your loved ones with a life insurance policy that’s not only easy to get, but affordable as well. Our agents are happy to answer any questions you may have and make the process as simple as possible. We build you a personalized plan that you can afford.

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