Qualify For a Burial Policy With COPD

Written on June 27, 2017 by lifepolicyshopper

Qualify For a Burial Policy With COPD

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Everyday 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.

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.

Program Guarantees

Seniors looking for a state regulated final expense life insurance policy or a whole life burial plan often have medical impairments and conditions that may raise the cost of these benefits. We keep track of these medical impairments and conditions and contract with several carriers so we can find the most benefits for the amount of money that you spend. Here we will review what we might see as we field underwrite the COPD medical condition. We can help you find first day coverage at a standard rate.

3 Top Reasons why folks use these programs

1. Because they do not have a DEDICATED amount for their funeral or final expenses

2. Because they’ve recently checked the pricing on what they currently have in place.  They want to see if they can find more benefits than what they currently have. 

3. Because they want to leave behind a legacy.  Income for a surving spouse, money for grandkids, or to charity (Cancer Society, Church, etc)

Seniors looking for a state regulated final expense life insurance policy or a whole life burial plan often have medical impairments and conditions that may raise the cost of these benefits. I keep track of these medical impairments and conditions and contract with several carriers so I can find the most benefits for the amount of money that you spend. Here we will review what we might see as we field underwrite the COPD medical condition. We can help you find first day coverage at a standard rate.

Chronic Obstructive Pulmonary Disease (COPD)

Description

A disorder that results in chronic blockage of the airways of the lungs. The two most common types of chronic obstructive pulmonary disease (COPD) are emphysema and chronic bronchitis. The primary cause is smoking although not all patients who smoke get COPD. The extent of disease and symptoms experienced can vary widely.

Symptoms

Shortness of breath, cough, cough with colored sputum, chest pain, wheezing, fatigue, bluish discoloration of skin.

Treatment

Treatment depends of the severity of symptoms but may include: bronchodilators (such as albuterol or Atrovent), steroids, and/or antibiotics. Surgery to remove portions of severely affected lung and/or a lung transplant may be necessary for severe involvement.

Medication

Albuterol.
Albuterol is used to prevent and treat wheezing, difficulty breathing, chest tightness, and coughing caused by lung diseases such as asthma and chronic obstructive pulmonary disease (COPD; a group of diseases that affect the lungs and airways). Albuterol is in a class of medications called bronchodilators. It works by relaxing and opening the air passages to the lungs to make breathing easier.

Atrovent
Ipratropium oral inhalation is used to prevent wheezing, shortness of breath, coughing, and chest tightness in people with chronic obstructive pulmonary disease (COPD; a group of diseases that affect the lungs and airways) such as chronic bronchitis (swelling of the air passages that lead to the lungs) and emphysema (damage to the air sacs in the lungs). Ipratropium is in a class of medications called bronchodilators. It works by relaxing and opening the air passages to the lungs to make breathing easier.

Budesonide
Budesonide is used to prevent wheezing, shortness of breath, and troubled breathing caused by severe asthma and other lung diseases. It belongs to a class of drugs called corticosteroids. This medication is sometimes prescribed for other uses; ask your doctor or pharmacist for more information.

Salmeterol
Salmeterol is used to treat wheezing, shortness of breath, coughing, and chest tightness caused by asthma and chronic obstructive pulmonary disease (COPD; a group of lung diseases that includes chronic bronchitis and emphysema). It also is used to prevent bronchospasm (breathing difficulties) during exercise. Salmeterol is in a class of medications called long-acting beta agonists (LABAs). It works by relaxing and opening air passages in the lungs, making it easier to breathe.

Fluticasone (Advair)
Fluticasone oral inhalation is used to prevent difficulty breathing, chest tightness, wheezing, and coughing caused by asthma. Fluticasone is in a class of medications called corticosteroids. It works by decreasing swelling and irritation in the airways to allow for easier breathing.

Theophylline
Theophylline is used to prevent and treat wheezing, shortness of breath, and chest tightness caused by asthma, chronic bronchitis, emphysema, and other lung diseases. It relaxes and opens air passages in the lungs, making it easier to breathe. This medication is sometimes prescribed for other uses; ask your doctor or pharmacist for more information.

If you’ve been diagnosed with COPD and looking for a final expense life insurance policy, we will find you first day coverage at a standard rate. Use our online quote engine and let us help you put together an affordable plan.

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…

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