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Final Expense Burial Insurance

Finding the best burial insurance carrier is crucial for ensuring that your family is protected and taken care of when you can no longer do so.

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Burial insurance is designed to cover the cost of your funeral and final expenses, so it is important to find a reliable carrier that will pay out the death benefit in a timely manner.

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While it may be tempting to choose the cheapest option, this is not always the best choice.

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Cheap burial insurance policies may come with long delays on death benefit payouts, which can cause financial hardship for your family at an already difficult time.

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It is vital to find a quality carrier with a track record of paying death benefits fast.

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While this may cost a little more upfront, the peace of mind that comes with knowing your family will be taken care of is worth it.

Best Companies for Pre Existing Conditions

Abdominal aortic aneurysm (Corrected)Mutual of Omaha (Living Promise)Level

Abdominal aortic aneurysm (Not corrected)Mutual of Omaha (Living Promise)Level

Addison’s DiseaseMutual of Omaha (Living Promise)Level

ADHDMutual of Omaha (Living Promise)Level

ADLs – Activities of Daily Living (Eating, Bathing, Dressing, etc)Royal NeighborsLevel

AIDSProsperity (PrimeTerm to 100)Graded

Alcohol Abuse / Drug AbuseMutual of Omaha (Living Promise)If treated within 2 years, Graded

AllergiesMutual of Omaha (Living Promise)Level

ALS (Lou Gehrig’s Disease)Prosperity (PrimeTerm to 100)Graded

Alzheimer’s / DementiaRoyal Arcanum (Graded Benefit)Graded

Amputation Due to AccidentRoyal Arcanum (SIWL)Level

Amputation Due to CancerAIGGuaranteed Issue

Amputation Due to Cancer (After 2yrs)Liberty BankersLevel

Amputation Due to DiabetesRoyal Arcanum (Graded Benefit)Graded

Amputation Due to Non-Diabetic DiseaseRoyal Arcanum (SIWL)Level

AmyloidosisForesters (PlanRight)Standard

Angina (Chest Pain within 2yrs)Mutual of Omaha (Living Promise)If treated within 2 years, Graded

Angina (Chest Pain after 2yrs)Mutual of Omaha (Living Promise)Level

Angioplasty within 1 yearGuarantee Trust LifeGraded

Angioplasty between 1yr and 2yrsCVS (Aetna Accendo)Standard

Angioplasty after 2yrsMutual of Omaha (Living Promise)Level

Ankylosing SpondylitisMutual of Omaha (Living Promise)Level

Anxiety DisorderMutual of Omaha (Living Promise)Level

AppendicitisMutual of Omaha (Living Promise)Level

ARC (Aids Related Complex)Prosperity (PrimeTerm to 100)Graded

Artery DiseaseMutual of Omaha (Living Promise)Level

Assisted Living FacilityRoyal NeighborsLevel

Asthma (Chronic)Royal NeighborsLevel

Asthma (Mild)Royal NeighborsLevel

Atrial Fibrillation (AFIB)CVS (Aetna Accendo)Level

Autism (High Functioning)Mutual of Omaha (Living Promise)Level

Autism (Severe)Liberty BankersLevel

Awaiting Results from Diagnostic TestingLiberty BankersLevel

Awaiting SurgeryGuarantee Trust LifeGraded

Barlow’s SyndromeCVS (Aetna Accendo)Level

Basal Cell CarcinomaMutual of Omaha (Living Promise)Level

Basal Cell Skin CancerMutual of Omaha (Living Promise)Level

Basedow’s DiseaseMutual of Omaha (Living Promise)Level

Bell’s PalsyMutual of Omaha (Living Promise)Level

Bipolar DisorderLiberty BankersLevel

Black LungCVS (Aetna Accendo)Level

Bladder PainMutual of Omaha (Living Promise)Level

Bladder Pain (Chronic)Mutual of Omaha (Living Promise)Level

Bone Marrow TransplantRoyal NeighborsLevel

Brain Tumor (Not Removed, Benign)Mutual of Omaha (Living Promise)Level

Brain Tumor (Not Removed, Malignant)Royal Arcanum (Graded Benefit)Graded

Brain Tumor (Removed, Benign)Mutual of Omaha (Living Promise)Level

Brain Tumor (Removed, Malignant)Royal Arcanum (Graded Benefit)Graded

Bronchitis (Acute)Mutual of Omaha (Living Promise)Level

Cardiac ablationCVS (Aetna Accendo)Level

CardiomyopathyCVS (Aetna Accendo)Level

Cardioversion TreatmentCVS (Aetna Accendo)Level

Cerebral aneurysm (Corrected) Within 2yrs/Over 2yrsCVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Level

Cerebral aneurysm (Not corrected)American Amicable (Senior Choice)Level

Cerebral PalsyMutual of Omaha (Living Promise)Level

Chemotherapy (Current)Royal Arcanum (Graded Benefit)Graded

Chemotherapy (Past) If Over 2yrsCVS (Aetna Accendo)Level

CHF (Congestive Heart Failure) within 2yrs/after 2yrsRoyal Arcanum (Graded Benefit)/Prosperity (New Vista)Graded/Level

Chronic Obstructive Pulmonary Disease (COPD)CVS (Aetna Accendo)Level

Chronic PainMutual of Omaha (Living Promise)Level

Chronic PancreatitisMutual of Omaha (Living Promise)Level

Circulatory DiseaseMutual of Omaha (Living Promise)Level

Circulatory Surgery (Heart or brain) within 1yr/2-3yrs/over 3yrsGTL/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level

Circulatory Surgery (Other)Mutual of Omaha (Living Promise)Level

Cirrhosis (Stage A or B)Foresters (PlanRight)Level

Cirrhosis (Stage C)Foresters (PlanRight)Level

ClaudicationMutual of Omaha (Living Promise)Level

Clogged ArteriesMutual of Omaha (Living Promise)Level

Coronary Artery Bypass Surgery (Within 1yr/1-2 yrs/over 3yrs)GTL/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level

Coronary Artery Disease (CAD)CVS (Aetna Accendo)Level

COVID-19 (Active)Mutual of Omaha (Living Promise)Level

COVID-19 (Awaiting test results)Mutual of Omaha (Living Promise)Level

COVID-19 (Carrier specific questions)Mutual of Omaha (Living Promise)Level

CPAP Machine Use (with oxygen canister)Mutual of Omaha (Living Promise)Level

CPAP Machine Use (without oxygen canister)Mutual of Omaha (Living Promise)Level

Crohn’s DiseaseMutual of Omaha (Living Promise)Level

Current Cancer (excluding basal/squamous cell skin cancer)Royal Arcanum (Graded Benefit)Graded

Declined for other insuranceMutual of Omaha (Living Promise)Level

Defibrillator (under 1 yr/1-2 yrs/over3 yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level

DehydrationMutual of Omaha (Living Promise)Level

Dermatological TreatmentMutual of Omaha (Living Promise)Level

Diabetes (No Complications)Mutual of Omaha (Living Promise)Level

Diabetic Coma (As Long as A1C is not over 10%)Foresters (PlanRight)Level

Diabetic Nephropathy (Kidney)Mutual of Omaha (Living Promise)Graded

Diabetic Neuropathy (Nerve)Royal NeighborsLevel

Diabetic Retinopathy (Eye)Royal NeighborsLevel

DiarrheaMutual of Omaha (Living Promise)Level

DisabilityMutual of Omaha (Living Promise)Level

Ear InfectionMutual of Omaha (Living Promise)Level

EczemaMutual of Omaha (Living Promise)Level

Edema (fluid retention)Mutual of Omaha (Living Promise)Level

EmphysemaCVS (Aetna Accendo)Level

EncephalopathyMutual of Omaha (Living Promise)Level

Enlarged HeartMutual of Omaha (Living Promise)Level

Enlarged ProstateMutual of Omaha (Living Promise)Level

Facial Nerve DisorderMutual of Omaha (Living Promise)Level

FibromyalgiaMutual of Omaha (Living Promise)Level

GallstonesMutual of Omaha (Living Promise)Level

Gastrointestinal InfectionMutual of Omaha (Living Promise)Level

Gaucher’s DiseaseMutual of Omaha (Living Promise)Level

GERD (Acid Reflux)Mutual of Omaha (Living Promise)Level

GlaucomaMutual of Omaha (Living Promise)Level

GonorrheaMutual of Omaha (Living Promise)Level

Grave’s DiseaseMutual of Omaha (Living Promise)Level

Guillain-Barre SyndromeMutual of Omaha (Living Promise)Level

Hashimoto’s DiseaseMutual of Omaha (Living Promise)Level

Heart ArrhythmiaRoyal NeighborsLevel

Heart Attack (Within 1 yr/1-2yrs/over 2yrsMutual of Omaha (Living Promise)/CVS (Aetna Accendo)
/Mutual of Omaha (Living Promise)Graded/Level

Heart BlockageMutual of Omaha (Living Promise)Level

Heart CatheterizationMutual of Omaha (Living Promise)Level

Heart DiseaseCVS (Aetna Accendo)Level

Heart Murmur (Functional)CVS (Aetna Accendo)Level

Heart Murmur (Innocent)Mutual of Omaha (Living Promise)Level

Heart Surgery (under 1 yr/1-2 yrs/over 2yrs)Guarantee Trust Life/CVS (Aetna Accendo)Graded/Level

Heart Valve SurgeryGuarantee Trust Life/CVS (Aetna Accendo)Graded/Level

HeartburnMutual of Omaha (Living Promise)Level

HemophiliaMutual of Omaha (Living Promise)Level

Hemorrhagic StrokeMutual of Omaha (Living Promise)Graded

Hepatitis A (Chronic)Mutual of Omaha (Living Promise)Level

Hepatitis A (Cured)Mutual of Omaha (Living Promise)Level

Hepatitis B (Chronic)Mutual of Omaha (Living Promise)Level

Hepatitis B (Cured)Mutual of Omaha (Living Promise)Level

Hepatitis C (Chronic)Foresters (PlanRight)Level

Hepatitis C (Cured)Foresters (PlanRight)Level

High Blood Pressure (Pulmonary)Mutual of Omaha (Living Promise)Level

Hodgkin’s Lymphoma (Current)Royal Arcanum (Graded Benefit)Graded

Hodgkin’s Lymphoma (Past) (0-24 months/Over 24 months)Royal Arcanum (Graded Benefit)/RNAGraded/Level

Home Health CareRoyal NeighborsLevel

HospitalizationTBDTBD

Huntington’s Disease (If ADL’s/No ADL’s)Royal Arcanum (Graded Benefit)/American Amicable (Senior Choice)Graded/Level

Hypertrophic Cardiomyopathy (within 1yr/1-2 yrs/Over 2yrs)Mutual of Omaha (Living Promise)/CVS (Aetna Accendo)Graded/Level

HyponatremiaMutual of Omaha (Living Promise)Level

Idiopathic thrombocytopenic purpuraMutual of Omaha (Living Promise)Level

Illegal Drug UseRoyal NeighborsLevel

Influenza AMutual of Omaha (Living Promise)Level

InsomniaMutual of Omaha (Living Promise)Level

Intracerebral Hemorrhage (Under 1yr/1-2 yrs/Over 2yrs)GTL/CVS (Aetna Accendo)/MOOGraded/Level

Iron Deficiency AnemiaCVS (Aetna Accendo)Level

Irregular HeartbeatRoyal NeighborsLevel

Irritable Bowel Syndrome (IBS)Mutual of Omaha (Living Promise)Level

Kidney Dialysis (Current treatment/Over 1yr/Over 2yrs)Royal Arcanum (Graded Benefit)/Foresters (PlanRight)
/CVS (Aetna Accendo)Graded/Level

Kidney Disease (Stage 1) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level

Kidney Disease (Stage 2) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level

Kidney Disease (Stage 3) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level

Kidney Disease (Stage 4) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level

Kidney Disease (Stage 5) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level

Kidney FailureForesters (PlanRight)Level

Lambert-Eaton Myasthenic SyndromeMutual of Omaha (Living Promise)Level

Leukemia (Current)Royal Arcanum (Graded Benefit)Graded

Leukemia (Past) (Under 1yr/1-2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)Graded/Level

Liver Disease (Cirrhosis/No cirrhosis)Foresters (PlanRight)
/Mutual of Omaha (Living Promise)Level

Liver FailureForesters (PlanRight)Level

MalariaMutual of Omaha (Living Promise)Level

Male Pattern BaldnessMutual of Omaha (Living Promise)Level

Melanoma (Current)Royal Arcanum (Graded Benefit)Graded

Melanoma (Past) (Under 2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)Graded/Level

MenopauseMutual of Omaha (Living Promise)Level

Mental IncapacityRoyal Arcanum (Graded Benefit)Graded

MigrainesMutual of Omaha (Living Promise)Level

Mitral Valve ProlapseCVS (Aetna Accendo)Level

Mountain SicknessMutual of Omaha (Living Promise)Level

MRSA InfectionMutual of Omaha (Living Promise)Level

Multiple Myeloma (Current)Royal Arcanum (Graded Benefit)Graded

Multiple Myeloma (Past) (Under 2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)Graded/Level

Muscle SpasmsMutual of Omaha (Living Promise)Level

Muscular DystrophyMutual of Omaha (Living Promise)Level

Myasthenia GravisMutual of Omaha (Living Promise)Level

Myocarditis (Under 1yr/1-2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)
/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level

NarcolepsyMutual of Omaha (Living Promise)Level

NauseaMutual of Omaha (Living Promise)Level

Nerve DamageMutual of Omaha (Living Promise)Level

Neuropathy (Non-Diabetic)Mutual of Omaha (Living Promise)Level

Non-Hodgkin’s Lymphoma (Current)Royal Arcanum (Graded Benefit)Graded

Non-Hodgkin’s Lymphoma (Past) (Over 2yrs)CVS (Aetna Accendo)/Royal NeighborsLevel

Ocular PemphigoidMutual of Omaha (Living Promise)Level

Organ Transplant (Awaiting)Royal Arcanum (Graded Benefit)Graded

Organ Transplant (Completed) (Over 2yrs)Prosperity (New Vista)Level

OsteoarthritisMutual of Omaha (Living Promise)Level

Overactive BladderMutual of Omaha (Living Promise)Level

Oxygen (Sleep apnea use only)Mutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred

PacemakerCVS (Aetna AccendoIf implanted within 1 year, Modified, between 1 and 2 years ago, Standard

Paget’s disease of the boneMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred

PainMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred

Pancreatic InsufficiencyMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred

Panic DisorderMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel, Preferred

ParalysisRoyal NeighborsLevel

ParaplegiaGreat WesternPlus

Parkinson’sCVS (Aetna Accendo) Royal ArcanumStandard/Graded

Parole / ProbationMutual of Omaha (Living Promise) CVS Aetna Accendo Royal NeighborsLevel/Preferred

Past Cancer (excluding basal/squamous cell skin cancer)Royal ArcanumGraded

Pending HospitalizationGreat WesternPlus

Pericardial EffusionRoyal NeighborsLevel

Peripheral Artery Disease (PAD)Mutual of Omaha (Living Promise) CVS(Aetna Accendo Royal NeighborsLevel/Preferred

Peripheral Vascular Disease (PVD)Mutual of Omaha (Living Promise) CVS (Aetna AccendoLevel, Preferred

Pernicious anemiaForesters (PlanRight)Preferred

PheochromocytomaCVS (Aetna Accendo) Royal NeighborsPreferred, Level

Plaque PsoriasisMutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred

PneumoniaMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred

Postpartum HemorrhageMutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred

PregnancyMutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred

Primary Thyroid DisorderMutual of Omaha (Living Promise CVS (Aetna Accendo Royal NeighborsLevel/Preferred

PsoriasisMutual of Omaha (Living Promise) CVS(Aetna Accendo Royal NeighborsLevel/Preferred

Psoriatic ArthritisMutual of Omaha (Living Promise) CVS(Aetna Accendo Royal NeighborsLevel/Preferred

Pulmonary EmbolismMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred

Pulmonary FibrosisRoyal ArcanumGraded

Pulmonary SarcoidosisMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred

QuadriplegiaRoyal ArcanumGraded

Radiation Therapy (Current)Royal ArcanumGraded

Radiation Therapy (Past)Royal ArcanumGraded

Raynaud’s SyndromeMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred

Rehab Facility (Illness or Injury)CVS (Aetna Accendo)If Currently, Decline

Rehab Facility (Substance Abuse)Foresters (PlanRight)If treated within 2 years, Basic

Respiratory FailureRoyal NeighborsLevel

Rheumatoid ArthritisMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred

SchizophreniaCVS (Aetna Accendo)Preferred

SclerodermaCVS (Aetna Accendo)Preferred

Secondary Thyroid DisorderMutual of Omaha (Living Promise)Level

Seizures (lifetime total of one)CVS (Aetna Accendo)Preferred

Seizures (lifetime total of two or more)CVS (Aetna Accendo)Preferred

Sickle Cell AnemiaGreat WesternPlus

Sleep Apnea (not requiring oxygen use)Mutual of Omaha (Living Promise)Level

Sleep Apnea (requiring oxygen use)Mutual of Omaha (Living Promise)Level

Spina BifidaMutual of Omaha (Living Promise)Level

Spinal Cord DisorderCVS (Aetna Accendo)Preferred

Spinal StenosisCVS (Aetna Accendo)Preferred

Squamous cell skin cancerMutual of Omaha (Living Promise)Level

Stem Cell TransplantCVS (Aetna Accendo)Preferred

Stent Placement (Heart or brain)CVS (Aetna Accendo)if placement within 1 year, Modified, 1 and 2 years, Standard

Stent Placement (Other)Mutual of Omaha (Living Promise)Level

Stomach DisorderMutual of Omaha (Living Promise)Level

Suicide AttemptCVS (Aetna Accendo)Preferred

Terminal IllnessNoneDecline

Thoracic aortic aneurysm (Corrected)Mutual of Omaha (Living Promise)Level

Thoracic aortic aneurysm (Not corrected)Mutual of Omaha (Living Promise)Level

ThrombocythemiaCVS (Aetna Accendo)Preferred

ThrombocytopeniaCVS (Aetna Accendo)Preferred

Transient Ischemic Attack (TIA or Mini-Stroke)Royal NeighborsLevel

Ulcerative ColitisMutual of Omaha (Living Promise)Level

Unexplained Weight Loss (greater than 10 pounds)CVS (Aetna Accendo)Preferred

Unexplained Weight Loss (less than 10 pounds)CVS (Aetna Accendo)Preferred

Urinary SpasmMutual of Omaha (Living Promise)Level

WalkerMutual of Omaha (Living Promise)Level

Watchman ImplantMutual of Omaha (Living Promise)If treated within 1 year, Decline. If treated between 1 and 2 years ago, Graded

Wegener’s granulomatosisCVS (Aetna Accendo)Preferred

Wet Macular DegenerationCVS (Aetna Accendo)Preferred

Wheelchair (Confined)Great WesternPlus

Wheelchair (Not Confined)Royal NeighborsLevel

Wilson’s DiseaseMutual of Omaha (Living Promise)Level

Wolff-Parkinson-White SyndromeMutual of Omaha (Living Promise)Level

 

 

Out of 249 health impairments, Mutual of Omaha’s Living Promise would give you a level death benefit 137 times. No wonder why they are our Go-To carrier.

They also give level coverage for seniors up to age 85!

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