Last Updated on October 3, 2017 by lifepolicyshopper
Qualify For a Burial Plan With Cystic Fibrosis
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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.
Benefit Information For Virginia Citizens Only
If you are currently undergoing treatment for cystic fibrosis 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.
Cystic fibrosis is a life-threatening congenital disorder of the exocrine glands characterized by the production of copious amounts of abnormally thick mucus, especially in the bronchus and lungs. The mucus clogs the pancreas, stopping the important enzymes that help the body break down and absorb food. There are over 30,000 children and adults living with cystic fibrosis in the United States, and nearly 1,000 new cases are diagnosed each year.
The signs and symptoms of cystic fibrosis may appear soon after birth or take some time to develop. Because all exocrine glands can be affected, the symptoms can be quite numerous. The sweat glands and respiratory and GI functions are those most commonly affected. The sweat glands typically express increased concentrations of salt in the sweat. Respiratory symptoms may include wheezy respirations, a dry cough, dyspnea, tachypnea, and frequent lung infections, all stemming from accumulations of thick secretions in the smaller passages conveying air within the lung (bronchioles) and the air sacs (alveoli) of the lungs. GI symptoms may include intestinal obstruction, vomiting, constipation, electrolyte imbalance, and the inability to absorb fats.
Fibrous tissue and fat slowly replace the normal saclike swellings found in the pancreas, resulting in pancreatic insufficiency characterized by insufficient insulin production. Some individuals with cystic fibrosis have only respiratory symptoms; others have only digestive problems. Still other have both respiratory and digestive symptoms.
The treatment for cystic fibrosis is designed to help a child lead as normal a life as possible. Antibiotic therapy to ward off lung infections is helpful. Mucus-thinning drugs and bronchodilators can help keep airway passages clear. Client management includes chest physical therapy to combat pulmonary dysfunction, loosening and removing mucopurulent secretions, and oxygen therapy. Vitamin and oral pancreatic supplements are often given to accompany a high-calorie diet. Some individuals may be a candidate for lung transplants.
The Cystic Fibrosis Foundation identifies developing therapies that may continue to help in the treatment of clients with cystic fibrosis. They include the following areas:
Gene therapy may correct the defective CFTR protein made by the cystic fibrosis gene. This would allow chloride and sodium to move through the cells in the lungs and other organs.
Restore airway surface liquid is an approach that targets proteins to assist in moving salt in and out of the cells and to hydrate the mucus so it clears more easily.
Anti-inflammatory medications are used to assist in reducing inflammation in cystic fibrosis lungs.
Anti-infective medications are used to fight acute and chronic lung infections.
First Day Coverage
Those with cystic fibrosis that have respiratory symptoms may qualify for a first day coverage life insurance policy at a standard rate. If there is no oxygen use we would use the same strategy to find you coverage as we would for someone with COPD.
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.
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)
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. Apply today.