Life Insurance with Fibromyalgia 2019

Written by Advanced Mutual Group

How to Buy Burial Insurance If Someone Has a Fibromyalgia

In order to understand the Blog, firstly people need to get aware of thisglobe life insurance terminology “Burial Insurance” and “Fibromyalgia.” So here I have first discussed these terms for those people who don’t know about them.

Burial Insurance:

Burial Insurance is considered as one of the types of Insurance and is considered to be an excellent solution and security for the family of the departed person. Burial insurance is basically the insurance given to the beneficiaries named by the insurer during the agreement with the insurance provider to cover the funeral expenses of the insurer at the time of the death in order to give relief to the loved ones of the departed. This insurance amount can be used by the beneficiaries as they like but first, it is meant to be used to cover the expenses of a funeral and then the remaining amount may be used to settle any debt owed by the departed. Thus it proves to be the remedy for the family of the departed.

Now the question arises what is Fibromyalgia? Here it will help you understand this term.

Fibromyalgia Symptoms:

This terminology refers to a disease. Is the disease that affects the muscles and soft tissue and it causes pain and the major symptoms include chronic muscle pain, sleep disorders, panic attacks, fatigue, and a person feels a lot of stress. But this disease in its early stage if diagnosed properly and treated by given the relaxation of mind to the patient and through stress management.  The brain amplifies pain signals from the brain causing chronic pain accompanied by constant fatigue, sleep, memory and mood issues.

Fibromyalgia Causes:

Anxiety and Depression, Gender, emotional and physical abuse, not moving enough. Other diseases like arthritis or infection may raise your chances of getting fibromyalgia. Genes, PTSD,

Treatments for Fibromyalgia:

Fibromyalgia medication, Fibromyalgia diets, massage, heat, ice, acupuncture, gentle stretching while or after a warm shower.  Possibly acupuncture, relaxation therapy, light acupressure. talk therapy, light physical exercise. Stress reduction like Biofeedback. Anti-depressants and Rheumatologists are just a few treatments available.

How Burial Insurance is connected with Fibromyalgia:colonial penn life insurance

Fibromyalgia is a disease that is referred to as the major muscle and tissue disorder because it mainly affects the soft tissues. Some people when diagnosed with the disease like Fibromyalgia are scared. So they started researching on various kind of insurances in order to make some security for their family and most importantly in order to get their funeral and burial expenses, they considered it as their utmost responsibility to purchase it.  Burial Insurance so that their family doesn’t have to bear the burial and funeral expenses from their own pockets. So it seems there is a very strong relation between buying the burial insurance at the time of Fibromyalgia. There is a time when most of the people having Fibromyalgia considered it as their duty to get equipped themselves with the Burial Insurance but in these days most of the patients don’t go for the burial insurance when they diagnosed with this disease. The most common reason for this might be that they think that this disease is not fatal and they will get healthy eventually with the passage of time.

How to Buy Burial Insurance in case of Fibromyalgia:

If someone diagnosed with any serious disease especially if the disease refers to the heart and the mind he has to buy the burial insurance and there are ways how someone has to buy the insurance. First thing comes first means that how much you want the insurance and the person has to calculate how much it will cost for his funeral and burial expenses with the consultation of family members and doing some research online about how much the normal funeral cost. Meet the person who deals with these kinds of expenses and these expenses vary a lot depending on the arrangements chosen, it also depends on the location where a person wants himself to be buried.

Take these expenses to the insurance provider to provide the company with the details of the expenses that need to be incurred on the funeral, the company refers them to the expert who reviews the expenses details and proceeds further. Do read the term and conditions provided by the company and their policy manual, as someone with the Fibromyalgia may think they are not eligible. The variety of insurance providers provide insurance to the people having this kind of disease that can sometimes feel like they have a more serious condition such as Lupus. They provide special packages depending on the medical conditions of patients.

Various insurance providers to a background check of the patients in order to make sure that the person is being diagnosed with this disease or not and whether his condition is critical or he is in the early stages of the disease. Generally, most of the insurance providers or the carrier do a two years look back into the medications that you have been prescribed.  It’s usually a good idea to speak with an agent, discuss your medication history, as it will help a burial insurance advisor make suitable recommendations.

Different Types of Policy Options for the Patients of Fibromyalgia:

When it comes to the patients of Fibromyalgia there are several benefits most of the Burial Insurance providers but there are some cheap offers that are payable immediately to the beneficiary at the time of death of their loved one. Generally, people qualify for the following two types of life insurance terminsurance.

  • Immediate Death Benefit Policy: This is the type of burial policy for the patient that pays out the full death benefit once the policy begins and the patient doesn’t need to wait for two years to get them equipped with the insurance money.
  • Guaranteed Issue Policy: This policy does have a 2-3 year waiting period but will be paid immediately after these 2-3 years and gives the full death benefit and premium plus 10% interest will be paid upon the death.

Where to Find the Burial Insurance for the People with Fibromyalgia:

There are several Insurance providers who provide burial insurance on specific terms and of course have their own terms and conditions.

Companies providing the general burial insurance are the ones providing the burial insurance for the patients suffering from Fibromyalgia.

  • Advanced Mutual Group 
  • We have a myriad of top named life insurance companies available. We can personally shop the market for you and come up with a solution that’s best for you.  It is almost hassle-free. We do all the paperwork for you.  We try to make it easy for people to get a life insurance policy because we know you are busy. If you would like a no obligation quote, please call us today either toll-free at 866-598-8170 or 910-538-4547. Or if you want to email us our email is mitch@advanced mutual group.com. All of our policies are state regulated and are approved by the Insurance Commissioner

References: ghr.nlm.nih.gov/condition/fibromyalgia

en.wikipedia.org/wiki/Fibromyalgia

 Allstar Senior Benefits is also affiliated with Advanced Mutual           Group.

About Advanced Mutual Group
About Advanced Mutual Group

We shop the life insurance market and do all the hard work for individuals across the nation to secure the best life insurance rates.

This entry was posted in Uncategorized. Bookmark the permalink.

Leave A Reply