Final Expense Life Insurance With Amyotrophic Lateral Sclerosis

Last Updated on June 1, 2021 by lifepolicyshopper

Final Expense Life Insurance With Amyotrophic Lateral Sclerosis

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. If you are currently undergoing treatment for amyotrophic lateral sclerosis ALS - you may qualify for final expense life insurance with amyotrophic lateral sclerosis at a level rate 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.

Like most, you probably do not want to leave 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.

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.

Qualifying for final expense life insurance with amyotrophic lateral sclerosis with first day coverage at a reasonable rate isn't an easy task to find. If you’ve looked around the marketplace there’s probably companies that give you rates that are simply unaffordable. You certainly want to enlist the help of an independent life insurance agent that has access to several different carriers and experience in dealing with the “knockout questions” on insurance carrier applications. These knock out questions apply to both medical conditions and prescription drugs. We here at lifepolicyshopper.com have a carrier that does not ask about ALS on their application. Therefore we will get you final expense life insurance with amyotrophic lateral sclerosis at a level rate.

Independent insurance brokers typically know which life insurance companies tend to offer the most competitively priced policies for applicants with certain medical conditions or risky lifestyles. For example, some insurers will offer better prices for people with heart disease or diabetes than other companies. Other life insurers are more lenient when it comes to cigar use or tobacco chewing. And still other companies will quote better rates for nonmedical risks such as aviation, scuba diving or foreign travel. Captive Agents, those agents that work for your neighborhood Agencies like State Farm, Farmers, and Progressive might simply decline the case and either recommend an independent agent that can find the right coverage or simply say, I’m sorry I can’t help try someone else.”

Let’s talk about finding a final expense life insurance policy with amyotrophic lateral sclerosis for an applicant currently being treated for ALS

Amyotrophic Lateral Sclerosis

Description

Amyotrophic Lateral Sclerosis (ALS), commonly known as Lou Gehrig disease, is a disease of motor neurons that results in progressive muscular atrophy and weakness. The neuro-degeneration affects the nerve cells in the brain and spinal cord, resulting in the death of nerve cells. Lou Gehrig was a famous baseball player who died of the disease in 1941. The disease generally occurs between ages 50 and 60 and slightly more often in men than in women.

Symptoms

Symptoms of ALS include involuntary muscle contractions and muscular atrophy, weakness, and twitching, especially in the muscles of the extremities. The individual may have problems with speech, chewing, swallowing, and even breathing if the brain stem is affected. There is no sensory nerve involvement. With all voluntary muscle action affected, the person in the later stages of the disease becomes totally paralyzed.

Treatment

There is no effective treatment for ALS. Treatment is symptomatic and may include emotional as well as physical support. Persons afflicted with the disease are likely to become confined to a wheelchair or a bed, need to be taught to suction themselves to prevent choking, require assistance with personal hygiene, activities of daily living, and need a great deal of emotional support.

The antiglutamate drug riluzole (Rilutek) is the only medication approved by the FDA that appears to slow the progression of the disease and prolong the life of persons with ALS for at least a few months. Other drugs are undergoing clinical trials.