Qualify For a Burial Plan With Cirrhosis
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You may qualify for a state-regulated program to pay for your final expenses. It is important you know how to qualify for this life insurance benefit available to you. This benefit will pay for 100% of all funeral expenses up to $35,000. This payment is tax free for Virginia residents. You are entitled to receive no-cost information as a resident of Virginia. IMPORTANT – Return this postage paid card within 5 days.
You or one of your senior parents may have received one of these post cards in the mail. It’s not a scam. It may have come from one of many outreach programs that I use to reach senior citizens here in the Commonwealth of Virginia that need state regulated final expense life insurance programs and burial plans.
Many seniors that receive these cards do not have a dedicated amount of money that can be used to pay for their funeral or final expenses. It’s possible they’ve recently checked into the pricing on what they currently have and want to see if they can find more benefits than what they currently have in place. Or they might want to leave behind a legacy like income for a surviving spouse, money for grandkids, or to a charitable organization or church.
If you are currently undergoing treatment for cirrhosis you may qualify for a life insurance policy with the following guarantees:
These programs have the following guarantees
1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. You benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.
Cirrhosis is a chronic, irreversible, degenerative disease of the liver characterized by the replacement of normal liver cells with fibrous scar tissue and other alterations in liver structure. The hepatic cells become necrotic, causing a change in liver structure that impairs the flow of blood and lymph. Scarring impairs the liver’s ability to control infections; remove toxins from the blood; process nutrients, hormones, and medications; make proteins to regulate blood clotting; and produce bile to help emulsify fats.
The person may be asymptomatic for a prolonged period, or symptoms may be vague or unspecific. Symptoms may include nausea, vomiting, anorexia, dull abdominal ache, weakness, fatigability, weight loss, pruritus, peripheral meuritis, bleeding tendencies, edema of the legs, ascites (accumulation of fluid in the peritoneal cavity), and jaundice. Jaundice is a condition characterized by a yellowish discoloration of the skin, whites of the eyes, and bodily fluids that results from the accumulation of bilirubin in the blood.
Treatment is aimed at the cause of the cirrhosis in an attempt to prevent further liver damage. Adequate rest and diet are essential, as is restriction of alcohol. Vitamin and mineral supplements may be prescribed. In the event of gastric upset or internal bleeding, antacids may be given. If there is ascites, the fluid is removed with the use of diuretics or through the paracenteses. Liver transplantation may be an option for persons with end-stage liver disease. There is a 1- and 5- year survival rate of 70% and 60%, respectively. However, more than 15,000 people in the United States have been approved and are waiting for a liver transplant.
Finding a Policy at the Best Value
If you have been diagnosed with cirrhosis of the liver and looking for a small whole life policy also called a burial policy or burial plan there are carriers that offer a standard rate – depending on when you have been diagnosed and what treatment you are receiving.
If you are being treated for cirrhosis and you have been declined for a life insurance policy or a burial plan you should contact us at LifePolicyShopper.com. We work with a carrier that offers first day coverage at a standard rate to those being treated for cirrhosis of the liver. If you are on a guaranteed issue plan we can most certainly save you money on a monthly basis and get you first day coverage.
A permanent Life Insurance Policy
Whole life insurance also known as “permanent” or “straight” life insurance is one of the most applied forms of insurance. This life insurance policy covers one’s entire life. This is much in demand because of its ability to provide financial protection and accrue cash value and pay dividends to the insured. In other terms, you can say it as an investment, that you make to secure your future build up finance that helps you in your indigence.
Taking a whole life insurance policy when you have been diagnosed with cirrhosis of the liver leads to a number of benefits and advantages. A few of them are listed below.
1. The first advantage is The Death Benefit.
The whole life insurance policy guarantees you the death benefit that never decreases. Moreover no federal income taxes are charged upon death. And if you desire, death benefit can be taken as a monthly income instead of a lump sum.
2. Consistency of premium level.
Unlike term life insurance’s premiums, which increase at the time of renewal, the premium you pay in whole life insurance remains consistent. There’s no increase. However, use of dividends can minimize the premiums that you pay and contracted for.
3. “Cash value” is another beneficial feature of whole life insurance.
Unlike other life insurance policies, whole life insurance policy accumulates the useable cash reserves. This increase as one pays premiums and also accumulates tax deferred. And if you decide to surrender the policy, you receive your cash values.