Burial Insurance With Heart Disease (2024 Update)
last updated on November 20, 2024You can get affordable burial insurance with first-day coverage for heart disease if you follow your treatment plan and listen to your doctor…but you’ll have to live in a zip code where the correct plans are available.
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 with heart disease, or fill out our quote request form for immediate assistance and pricing information.
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What Is Heart Disease?
Heart disease isn’t just one thing; it’s a whole party of conditions crashing your heart. The star of the show? Coronary artery disease (CAD). It’s when your arteries get all gunked up with plaque – think fatty deposits clogging up the works. This narrows those arteries and slows down the blood flow to your heart.
When blood flow gets choked off, say hello to chest pain (angina), shortness of breath, and other unpleasant surprises. And if things really go south with a complete blockage, that’s when a heart attack barges in, with part of your heart muscle getting starved of oxygen and calling it quits.
Other troublemakers in the heart disease lineup:
- Heart rhythm problems (arrhythmias)
- Heart muscle disease (cardiomyopathy)
- Heart valve disease
- Congenital heart defects (birth defects of the heart)
Heart disease isn’t just a big deal; it’s the leading cause of death for both men and women in the US. The good news? You can often dodge or manage it with some lifestyle tweaks – like eating right, breaking a sweat regularly, and keeping that waistline in check.
What Are The Types Of Burial Insurance Available To People With Heart Disease?
First-day Coverage Plan – This one’s the VIP treatment of life insurance policies. You get immediate coverage with no waiting period, and the best part? No medical exam required. Just answer a few health questions, and you’re good to go.
Guaranteed Issue Whole Life Insurance – No medical exams, no health questions, no worries! This policy takes you in, no matter what shape your health is in. It’s perfect for those who can’t catch a break with traditional term or whole life insurance due to serious health issues.
But here’s the catch with guaranteed issue whole life insurance: there’s a mandatory two-year waiting period. If you happen to kick the bucket during this time, the insurance company only pays back the premiums you’ve shelled out, plus 7-10% interest (depending on the company). So, it’s not all sunshine and rainbows, but it’s still a solid option!
What Is My Best Insurance Option If I Have Heart Disease?
Got heart disease or even just a whisper of it from your doctor? Your best bet for burial insurance is a first-day coverage plan, hands down.
What Is The Price Of Burial Insurance If I Have Heart Disease?
The price of burial insurance if you have heart disease 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 generous 60-year-old female with heart disease:
| 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 vibrant 60-year-old male with heart disease:
| 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 |
Do I Need A Medical Exam To Qualify for Heart Disease Burial Insurance?
Nope, no medical exams needed! Just answer a few basic health questions.
The application process is a breeze – no need to hunt down your medical records or send in any blood or urine samples.
With first-day coverage, you’ll often get the green light from the insurance company in minutes!
Burial Insurance Underwriting For Heart Disease Patients
Insurance companies have two ways to find out about you about your health:
FIRST – You’ll be hit with a series of health questions.
SECOND – They’ll snoop through your prescription history to check out your overall health.
HEALTH QUESTIONS
Heart disease will come up in different ways, like:
- Have you been treated for heart failure, heart attack, cardiomyopathy, or heart or circulatory surgery?
- Prior to age of 50 or during the past 24 months, have you been diagnosed as having or been hospitalized for angina, heart attack, congestive heart failure, heart or circulatory surgery?
- Have you been diagnosed with received or been advised to receive treatment or medication for angina, heart attack, cardiomyopathy, or any type of heart or circulatory surgery?
- In the past 10 years, have you opted not to seek treatment, have not taken medication, and have not followed the prescribed treatment plan for Congestive Heart Failure, cardiomyopathy, or heart disease?
PRESCRIPTION HISTORY CHECK
Common medications for heart disease include:
- ACE inhibitors (Captopril, Enalapril, Lisinopril)
- Anti-arrhythmic medications (Amiodarone, Flecainide, Quinidine)
- Anticoagulants (blood thinners) Heparin, Warfarin, Coumadin)
- Beta-blockers (Atenolol, Metoprolol, Nadolol)
- Vasodilators (Sildenafil, Tadalafil, Bosentan)
If these meds show up in your prescription history, the insurance company knows you’ve got a history of heart disease.
What If My Application Was Rejected Because Of Heart Disease?
Did you get turned down before because of heart disease? No sweat. We’ll shop around with multiple life insurance companies that accept applicants with heart disease to get you that first-day coverage.
While guaranteed acceptance life insurance isn’t our top pick, it’s there for you – no medical exam, no health questions, and you’re in, no matter your health.
Information We Need If You Have Heart Disease
We may ask you some of the following questions:
- What type of heart disease do you have?
- When were you diagnosed with heart disease?
- What is your age when you were diagnosed?
- Have you been hospitalized two or more times in the last 2 years?
- Did you have any surgery to treat your heart disease?
- When did you have your last heart surgery?
- Have you been advised to have a heart transplant?
- What medications are you currently taking?
- Do you have any medical conditions aside from heart disease?
How To Get First-Day Coverage Insurance If You Have Heart Disease
Got heart disease? Team up with an independent life insurance agency like Funeral Funds to get first-day coverage insurance. We’ll help you hunt down burial insurance from companies that play nice with heart disease and compare rates to find you the best deal.
How To Apply For Burial Insurance With Heart Disease
- Consult with an Independent Insurance Agent – Get advice from an independent insurance agent fom Funeral Funds who knows the ins and outs of underwriting for heart disease. They’ll help you explore your options, compare quotes, and pick the perfect burial insurance plan.
- Complete the Application Honestly – When filling out your life insurance application, spill the truth about your heart disease. Give accurate details about your health, treatments, and any lifestyle changes you’ve made.
- Review and Confirm Policy Details – Before you sign on the dotted line, make sure you’ve reviewed the policy terms and that the coverage fits your needs and budget perfectly.
How Can Funeral Funds Help Me?
At Funeral Funds, we’re the heart specialists of life insurance. Yep, you heard right. We’re all about finding coverage for folks with heart disease.
Don’t worry, we’ve got a whole crew of insurance companies who love a good challenge – and by that, we mean high-risk clients. We’ll scour their offers to find you the best deal, like a detective searching for a missing heart. We’ll match you with a policy that fits your budget and needs better than a well-worn slipper.
Let us help you secure the coverage you deserve without breaking a sweat. Ready to give your heart a little peace of mind? Fill out our quote form or call us at (888) 862-9456 for a quote that’ll make your heart sing (or at least beat a little steadier).
Frequently Asked Questions
Is AFIB considered heart disease for life insurance?
Yes, atrial fibrillation (AFIB) it’s a heart condition, and it’ll definitely have a say in your insurance rates.
Can I get life insurance if I have had a heart attack?
Yes, you’ve survived a heart attack – you’re a survivor! Plenty of insurers will want to insure you.
Can I get life insurance if I have had open heart surgery?
Yes, You’re a cardiac warrior! Of course, you can get life insurance, but the plan you will qualify for depends on when you have had surgery and your current and future health prognosis.
I have had a stent placed. Can I still get life insurance?
Yes, Stents are fancy little pipes, right? Well, they’ll affect your insurance rates, but you can still get coverage.
Can I get life insurance if I have a pacemaker?
Yes, but the policy you qualify for will depend on how long you have had the pacemaker and how it is performing within your body.
I have congestive heart failure. Can I get life insurance?
Heart failure? There are options out there, even first-day coverage depending on your zip code.
