HearthMutual

Standard Coverage

Competitive rates for applicants with managed health conditions.

Standard coverage is designed for applicants who have health conditions that are controlled with medication or ongoing treatment. It offers full coverage from day one — no graded benefit period, no waiting period. Premiums are higher than preferred but remain locked in for life.

  • Full coverage from day one
  • Managed conditions OK (blood pressure, cholesterol, diabetes)
  • Premiums locked in for life
  • No medical exam required

Coverage Options

Four tiers to match your health profile

Burial Insurance Plans Starting at $1 a Day.

See what you qualify for with a 15 minute call.