Qualify For a Burial Plan With Sickle Cell Anemia

Written on June 21, 2016 by lifepolicyshopper

Qualify For a Burial Plan With Sickle Cell Anemia

Quick Tip: Complete the Instant Quotes form to receive an instant listing of carrier quotes – free – with no obligation. You can begin your free online research – right now…

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.

If you are currently undergoing treatment for sickle cell crisis or sickle cell anemia 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.

Sickle Cell Anemia

Description

A disorder that causes abnormal red blood cells, and these cells can clog blood vessels. Sickle cell disease is the most common of the inherited blood disorders, and is seen primarily in black Americans and black Africans. A sickle cell crisis causes pain because blood vessels become blocked and the defective red blood cells can damage organs in the body. The most commonly affected organs include: lungs, liver, bone, muscles, brain, spleen, penis, eyes, and kidneys. Patients also experience chronic anemia.

Symptoms

Abdominal pain, chest pain, flank pain, bone pain, breathlessness, delayed growth and puberty, fatigue, fever, jaundice, rapid heart rate, susceptibility to infections, ulcers on the lower legs (in adolescents and adults), anemia.

Treatment

The goal of therapy is to control symptoms, and to limit the frequency of crises. Hydroxyurea (hydrea) is used to reduce the acute episodes of pain but is not effective in all patients. An acute episode is treated with the following: intravenous fluids, supplemental oxygen, pain medications, antibiotics (if infection is found), and/or blood transfusions.

Deferasirox is used to remove excess iron in the body in people who have received a large number of blood transfusions. Deferasirox is in a class of medications called iron chelators. It works by attaching to iron in the body so that it can be excreted in feces.

First Day Coverage

Those with sickle cell crisis or sickle cell anemia can qualify for a first day coverage life insurance policy if there is no oxygen use. In cases where there are no other major complications being treated the only medications that are being used are for pain and to reduce the amount of iron in the body using the medication exjade. We here at LifePolicyShopper have carriers that will provide first day coverage for those living with sickle cell crisis.

Benefit Information For Virginia Citizens Only

Funeral costs continue to increase every day. Families are faced with the difficult task of saying goodbye to loved ones. Did you know that according to the National Funeral Directors’ Association – as of January 2013 the national median cost of an adult funeral with vault costs $8,343.00 with additional expenses? Additional expenses can include a cemetery plot. Many funerals exceed $10,000.00 dollars and that’s before any outstanding debts or medical bills.

Planning your funeral requires a careful consideration of all your final needs. Consider how you want to be remembered, where your final resting place should be, whether you wish to be buried or cremated and what type of casket or urn you prefer. A funeral director will give you a list of the services and products that it provides. The value of your final expense life insurance policy should cover the expense of the package you choose, plus any additional costs.

The most basic, economical option is generally an immediate burial plan. An immediate plan may include a modest service at the graveside and a simple casket. The expense of a viewing is not included in most immediate burial policies. The costs of the plot, a headstone and flowers must be paid for separately and should be included in the estimate of your final expense.

A traditional full service option, including a viewing, a hearse, a formal ceremony and entombment and cremation is more costly than an immediate or direct package. When you consider the costs of a package, you must take every extra expense into account in order to arrive at an accurate estimate of your financial expenses.

Don’t Leave your bills behind for family members to pay

Like most, you probably do not want to leave these financial burdens to your loved ones. Proceeds from a final expense life insurance policy pass to your beneficiary at the time of your death to help cover funeral or burial expenses, unpaid medical bills or other costs. Speak to us today to find out how one purchase can lead to a lifetime of peace of mind.

Unexpected costs can create a financial burden on family members, making this time even more difficult. Planning your funeral arrangements or how your loved ones will pay for your final expenses is not typically at the top of anyone’s to-do list. But could your family pay for these expenses without sacrificing their retirement and savings? If you’d like the comfort of knowing you are not leaving a financial burden to your family, plan for these costs by purchasing life insurance. A policy can protect your family from spending their hard earned savings on your final expenses. These whole life insurance policies offer you and your family lifetime protection with rates that never increase.

You’ll never have to worry about losing coverage. Even if your health conditions changes your rate is guaranteed for the rest of your life. An income tax free death benefit, money that passes to your beneficiary is generally income tax free. No required medical exams. Applying for one of these whole life insurance policies is quick and easy. Simply answer a few medical questions on the application with guaranteed qualification. Every applicant can qualify for coverage.

Contact us and apply today

Applying for one of these policies is simple and fast. Call us today and we will help determine which type of coverage you may qualify for, the amount you need and then help you complete an application. Benefits can be different depending on your state. We can explain what’s available to you. Provide your family with a gift of a plan. For more information on finding 1st day coverage check out our article on the 11 Top Medical Conditions | First Day Burial Insurance.

Quick Tip: Complete the Instant Quotes form to receive an instant listing of carrier quotes – free – with no obligation. You can begin your free online research – right now…

About LifePolicyShopper.com
About LifePolicyShopper.com

We work with individuals across the nation to secure the best life insurance rates.

This entry was posted in Benefit Information For Virginia Citizens Only. Bookmark the permalink.

Leave A Reply