Burial Insurance after Heart Surgery (2024 Update)
last updated on November 8, 2024Thinking about applying for a burial insurance policy after heart surgery? Yep, even with that heart history, you can still get approved for coverage that won’t break the bank.
Burial insurance covers it all – burial, cremation, final expenses, funeral costs, or leaving a financial legacy.
If you prefer to keep reading, we’ve got more details on burial insurance for those who have had a heart attack, or fill out our quote request form for immediate assistance and pricing information.
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What Does Life Insurance Consider Heart Surgery?
Life insurance considers the following as heart surgery:
- Open heart surgery
- Heart bypass surgery
- Aortic valve replacement or repair
- Mitral valve replacement or repair
- Pacemaker implantation
- Heart transplantation
What Is My Insurance Option If I Have A History Of Heart Surgery?
Your shot at getting burial insurance after heart surgery depends on these factors:
- Date of your diagnosis or your last treatment date for heart problems
- How long has passed since your heart surgery
WHAT IF YOUR HEART SURGERY WAS OVER 2 YEARS AGO?
If your surgery is ancient history (like, over two years), you’re golden! You’ll score the best, low-cost options out there.
Burial insurance companies will treat you like you never had surgery in the first place, offering you a level death benefit plan with first-day coverage at rock-bottom premiums.
If it’s been over two years, stop stalling. Get that burial insurance policy ASAP and lock in your peace of mind. Don’t wait – take action now!
WHAT IF YOUR HEART SURGERY IS ONE YEAR AGO?
Had heart surgery a year back? No worries, you’re still in the game for burial insurance. Your best bet is a modified benefit plan.
This plan has got you covered from day one, with your death benefit gradually kicking in over time.
Remember, everyone’s situation is unique when hunting for funeral or burial insurance post-heart surgery. Other health issues might come into play, and some insurers are more lenient based on your age and current health conditions.
What Type Of Burial Insurance Is Best?
First-day coverage insurance is a lifesaver for those who have had heart surgery. Why? Because it offers immediate protection! You don’t have to twiddle your thumbs through a long waiting period.
Your loved ones are covered from day one, and that peace of mind is priceless. Plus, even with your medical history, you can score affordable premiums that won’t break the bank.
Do I Need A Medical Exam To Qualify For Burial Insurance?
Nope, no medical exam needed! Even if you’ve had heart surgery, you can still qualify for burial insurance without all the hassle.
All you’ve gotta do is answer a few basic health questions—no digging up medical records or dealing with blood and urine samples.
The application process is a breeze, and you’ll often get official approval from the insurance company within minutes!
What Is My Burial Insurance Rates If I Have Had Heart Surgery?
The cost of burial insurance if you have had heart surgery will depend on your:
- Age
- Coverage amount
- Gender
- General health
- State of residence
- Smoking status
- Type of policy
Check out these sample rates for a confident 60-year-old female who have had heart surgery:
| FEMALE PRICING | PREMIUM FOR $10,000 |
|---|---|
| CICA Life Superior Choice – 1st-Day Coverage | $47.25 |
| Colonial Penn – GI – 2-Year Wait | $49.75 5 units |
| Gerber Life – GI – 2-Year Wait | $51.06 |
| Lincoln Heritage – Modified – 2-Year Wait | $96.80 |
| Mutual Of Omaha – GI – 2-Year Wait | $42.70 |
Check out these sample rates for a charismatic 60-year-old male who have had heart surgery:
| MALE PRICING | PREMIUM FOR $10,000 |
|---|---|
| CICA Life – Superior Choice – 1st-Day Coverage | $53.09 |
| Colonial Penn – GI – 2-Year Wait | $59.70 6 units |
| Gerber Life – GI – 2-Year Wait | $63.89 |
| Lincoln Heritage – Modified – 2-Year Wait | $114.14 |
| Mutual Of Omaha – GI – 2-Year Wait | $56.90 |
Burial Insurance Underwriting If You Have Heart Surgery
Insurance companies have two ways to do their underwriting:
FIRST – They’ll ask you some health questions. Your answers will help determine if you’re eligible.
SECOND – They’ll do a quick electronic review of your prescription history to confirm your health status.
HEALTH QUESTIONS:
Every life insurance company wants the scoop on your heart surgery history.
Here’s the rundown on what qualifies as heart surgery:
- Heart transplant
- Heart valve repair or replacement
- Coronary artery bypass graft surgery
- Transmyocardial laser revascularization
- Arrhythmia treatment
- Aneurysm repair
- Myectomy/myotomy
- Cardiomyoplasty
- Minimally invasive surgical procedures
Your answers to these questions will decide your eligibility and coverage amount. Given your heart condition, most insurance companies are itching to know when your last heart surgery was.
For most burial insurance companies, why you had heart surgery isn’t a big deal. What they really want to know is how long it’s been since your last surgery.
Some heart health questions they might throw your way:
- During the past 12 months, have you had a heart attack or failure or heart or circulatory surgery?
- Within the past 24 months, have you been medically diagnosed as having or been treated for heart attack, heart disease, or heart or circulatory surgery to improve circulation to the heart?
- Within the past 2 years, have you had or been diagnosed with angina, heart attack, cardiomyopathy, or any type of heart surgery?
Your answers will determine if you qualify for first-day coverage or first-day benefits…and what your pricing will be.
How Much Insurance Do I Need If I Have Heart Surgery?
Figuring out how much burial insurance you need is all about your personal and financial situation. But here’s the deal: your policy should cover all of your funeral, burial, and final expenses.
Start by totaling your end-of-life expenses. The funeral is usually the priciest part, but don’t forget about any outstanding medical bills, living expenses, credit card debts, or other loans.
How Should I Pay My Premiums?
The smartest way to handle your premiums is through a savings or checking account.
Set up a bank draft from your account, and let the bank handle the payments automatically each month.
This way, you won’t have to stress about your policy lapsing because of missed payments.
Getting Affordable Burial Insurance After A Heart Surgery
To get the most affordable burial insurance after heart surgery, you need to team up with a top-notch agency like Funeral Funds that knows their stuff. We’ll dive into your full health profile to find the insurance companies that’ll give you the best deal.
Working with an independent agency like Funeral Funds is your ticket to savings. We compare different policies to get you the best bang for your buck.
We’ll help you shop around, compare rates from various carriers, and find the perfect policy for your needs and budget.
Benefits Of Burial & Funeral Insurance
Here are some of the benefits of purchasing a burial or funeral policy:
- No medical exam or doctor’s visit is required – easy to get approved.
- Ease of issue – easy to qualify and get insurance coverage.
- No Money Down to get approved – have your policy start whenever you want.
- Level premium – your premium will never increase.
- Fixed death benefit – your death benefit will never decrease for any reason.
- Permanent protection – your policy can not be canceled by the life insurance company if you continue to pay your premiums.
- Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
- Cash value builds up – burial insurance is a whole life policy that builds cash value over time.
How Can Funeral Funds Help Me?
Forget wasting your precious time hunting for insurance deals – let us handle the heavy lifting. We’ll shop your case around to get your application approved without you lifting a finger.
At Funeral Funds, we’re pros at getting life insurance coverage for folks with a heart surgery history. We work with top-rated insurance companies that specialize in high-risk clients, so you get the best rate possible.
We’ll match you with the perfect funeral and burial insurance option. Just fill out our quote form on this page or give us a ring at (888) 862-9456, and we’ll hook you up with an accurate quote.
Frequently Asked Questions
Do I need to tell my life insurance company if I have heart surgery?
Absolutely! You should spill the beans if you’ve had heart surgery as it can impact your policy, including your coverage amount and premiums.
Can you get first-day coverage insurance if you have heart surgery?
Yep, you might score first-day coverage insurance even if you’ve had heart surgery. No waiting period here depending on your zip code.
Is there an age limit for burial insurance with heart surgery?
Typically, the age limit for burial insurance with heart surgery is 89 years old.
Can you be denied insurance for heart surgery?
Yes, you can be denied insurance if your heart surgery was recent…depending on the company and your zip code. In some cases, your best bet then is a guaranteed issue life insurance with a two-year waiting period.
Can I get life insurance after a heart transplant?
Yes, you can. However, your rates might be higher, and you’ll likely need to provide more information to the insurance company.
What is the average cost of life insurance for someone with heart surgery?
The cost varies based on the type of policy, your age, health, and zip code.
