2024 Burial Insurance with an Abdominal Aortic Aneurysm
last updated on July 22, 2024If you need burial insurance with an abdominal aortic aneurysm, this article will help you find affordable coverage.
The good news is that there are select final expense insurance providers that have more forgiving underwriting if you have had an aneurysm in the past. In most cases, you may qualify for immediate coverage regardless of your condition.
This article will provide you will all the information you need to know about getting final expense insurance with an abdominal aortic aneurysm. You will learn the different factors that affect insurability and how you can get the most affordable plan.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Abdominal Aortic Aneurysm?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have an Abdominal Aortic Aneurysm, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have an Abdominal Aortic Aneurysm
- How Much Insurance Do I Need If I Have an Abdominal Aortic Aneurysm?
- How Should I Pay My Premiums?
- Abdominal Aortic Aneurysm and Burial Insurance Riders
- Information We Need if You Have an Abdominal Aortic Aneurysm
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with an Abdominal Aortic Aneurysm
- What If I’m Denied Coverage Because Of My Abdominal Aortic Aneurysm?
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance An Abdominal Aortic Aneurysm
What Is My Best Insurance Option If I Have A History Of Abdominal Aortic Aneurysm?
If you are applying for burial insurance with an abdominal aortic aneurysm (AAA), the main factors to consider are:
- The type of treatment
- The length of time since your last surgery
The longer the time since you have aneurysm treatment, and the healthier you are, the better your chances of getting the best plan.
HERE’S HOW YOUR AAA TREATMENTS MAY AFFECT YOUR BURIAL INSURANCE:
MEDICATION
Medication is a common treatment for small and medium AAA. Most of the time, doctors would prescribe drugs such as calcium channel blockers and beta-blockers to control your blood pressure level and relax your blood vessels. These drugs will lessen the chance of your aneurysm bursting.
Some blood pressure medications are a red flag on some life insurance companies. Depending on which blood pressure medication you use, it may affect the amount you pay for your final expense plan.
Whatever medications you take for AAA, we can get you first-day full coverage if your abdominal aortic aneurysm is small or medium in size. We know the companies which don’t care about an aneurysm.
Best Option: Level death benefit plan with first-day coverage
SURGERY
Most AAA‘s do not cause problems when small and not growing fast. However, if the bulge gets too big, it can rupture, which can be life-threatening. If an aneurysm enlarges to 5.0 cm in diameter, there is a big chance that it will burst. In this case, surgery will be necessary.
Any operations performed to correct AAA are categorized as circulatory surgery. You will be required to pay a higher premium depending on the time you had open surgery or endovascular treatment.
TWO YEARS OR MORE SINCE THE ABDOMINAL AORTIC ANEURYSM SURGERY
If your AAA surgery was over 24 months ago, you could likely qualify for a level death benefit plan with first-day coverage and the lowest rate. If your AAA surgery were over two years, your AAA wouldn’t matter anymore.
After the two-year mark, every burial insurance company will not care about it as long as there are no complications from the surgery and you have no other health issues.
The best feature of this plan is 100% coverage from day one, with no waiting period. This means that you are fully covered from the first day, and your beneficiaries will receive your full death benefit when you pass away. You will also pay the lowest premium available.
Best Option: Level death benefit plan with first-day coverage
ONE YEAR SINCE THE ABDOMINAL AORTIC ANEURYSM SURGERY
If your AAA surgery was over 12 months but less than two years, you have better insurance coverage options. You may qualify for a graded death benefit or partial first-day coverage or immediate coverage depending on your other health issues or complications from surgery.
You will be covered from the first day and your death benefit will be phased in over time.
Best Option: First-day benefit plan
LESS THAN 12 MONTHS SINCE AAA SURGERY
If your operation to treat AAA is very recent meaning less than one year, a waiting period with a higher premium is unavoidable. No burial insurance company will issue immediate coverage for circulatory surgery which is less than a year.
A guaranteed issue burial insurance policy will be your best bet.
If your AAA is unstable or increasing in size, or it has a history of bleeding or causing pain, the best choice for life insurance coverage is a guaranteed issue policy.
The more time that passes after surgery has been completed, the better your rate will be.
Some abdominal aortic aneurysm patients will only qualify for guaranteed issue burial insurance for:
- Those who had recent surgery to treat an aneurysm
- Those who have chosen not to have their aneurysm removed even when the size is large
- Their AAA is not operable
Applicants who fall under these categories may need to apply for a guaranteed acceptance life insurance policy that will not require a medical exam or health questions. All you need to qualify for this plan is that you are a U.S. citizen and between the ages of 50 to 85.
Best Option: Guaranteed issue burial insurance
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I Have An Abdominal Aortic Aneurysm, Do I Need A Medical Exam To Qualify For Burial Insurance?
You are NOT required to take a medical exam to qualify for burial insurance with an abdominal aortic aneurysm.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.
You’ll get the official approval from the insurance company often within minutes!
Burial Insurance Underwriting If You Have An Abdominal Aortic Aneurysm
Burial insurance companies have two ways of underwriting:
FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history to verify your health.
HEALTH QUESTIONS:
Some insurance companies ask about an aneurysm in their health questionnaire.
You will typically see them asked this way:
- In the previous 2 years, have you ever been diagnosed or treated with an abdominal aortic aneurysm?
- During the past 24 months have you been diagnosed as having a stroke, angina, aneurysm, or heart or circulatory surgery?
- Within the past 2 years have you had, or been diagnosed with an aneurysm, or any type of heart or circulatory surgery?
Surgical procedures for AAA are a significant issue. If you had surgery done on your aneurysm in the past two years, it might impact the type of plans you will qualify for and your monthly premium.
Most burial insurance companies ask about AAA and its treatment in the last two years. If your surgery has been more than two years, you have a great chance of qualifying for the best plan at the lowest rate.
The good news is that we work with companies that don’t ask about AAA in their health questionnaire.
PRESCRIPTION HISTORY CHECK
The insurance companies will also electronically check your prescription history to verify your health condition.
These are the type of drugs prescribed for abdominal aortic aneurysm:
- Angiotensin-converting enzyme inhibitors
- Antibiotics
- Anti-inflammatory agents
- Beta-blockers
- Calcium channel blockers
- Statins
These drugs can also be prescribed to treat other medical conditions so the presence of these drugs in your prescription history will not necessarily affect your eligibility.
How Much Insurance Do I Need If I Have An Abdominal Aortic Aneurysm?
The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.
The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.
Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.
| AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
|---|---|
| Non-declinable basic services | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| Non-declinable basic services fee | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Cremation fee (if firm uses a third-party crematory) | $368 |
| Cremation Casket | $1,310 |
| Urn | $295 |
| Median Cost of a Funeral with Viewing and Cremation | $6,970 |
| Rental Casket | $995 |
| Alternate Cremation Container | $150 |
How Should I Pay My Premiums?
The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.
Abdominal Aortic Aneurysm And Burial Insurance Riders
Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.
Here’s a list of common burial insurance riders:
| FUNERAL FUNDS ADD-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You Have An Abdominal Aortic Aneurysm
When applying for burial insurance coverage, we would ask you specific questions about your abdominal aortic aneurysm. We want to know everything about your medical condition. This will enable us to provide you the best and cheapest final expense insurance policy.
Here are some aneurysm questions we will ask:
- When did you know you had an abdominal aortic aneurysm?
- What was the size of your aneurysm?
- How long have you been living with AAA?
- Have you experienced any symptoms of AAA in the last six months?
- Was your aneurysm operable?
- Did you have surgery to correct your AAA?
- Do you have any complications from the surgery?
- Do you have any other medical conditions?
The type of final expense insurance plan you will qualify for will depend on your answers to these questions.
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 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 as long as 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.
Other Common Uses For Final Expense Life Insurance With An Abdominal Aortic Aneurysm
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with an abdominal aortic aneurysm
- Cremation insurance plan with an abdominal aortic aneurysm
- Funeral home insurance plan with an abdominal aortic aneurysm
- Final Expense insurance plan with an abdominal aortic aneurysm
- Prepaid funeral plan insurance with an abdominal aortic aneurysm
- Mortgage payment protection plan with an abdominal aortic aneurysm Mortgage payoff life insurance plan with an abdominal aortic aneurysm
- Deceased spouse’s income replacement plan with an abdominal aortic aneurysm
- Legacy insurance gift plan to family or loved ones with an abdominal aortic aneurysm
- Medical or doctor bill life insurance plan with an abdominal aortic aneurysm
We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.
What If I’m Denied Coverage Because Of My Abdominal Aortic Aneurysm?
If you have an abdominal aneurysm but generally healthy and you’ve been denied coverage, chances are the agent you used submitted your application to the wrong company.
If you had AAA surgery over two years ago, you could easily qualify for life insurance. The only reason your application may be rejected is that you have other health issues that may affect your overall health.
If you had been declined in the past, do not believe that you can’t get affordable burial insurance through a different company. We will help you. Some options are still available to you to get life insurance protection.
How Can Funeral Funds Help Me?
Trying to find a policy with an abdominal aortic aneurysm needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of an abdominal aortic aneurysm, let us help you; we will work with you side by side to find a plan that fits your needs.
We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.
We will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will match you up with the best burial insurance company that gives the best rate.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for an abdominal aortic aneurysm funeral insurance, or an abdominal aortic aneurysm burial insurance, or an abdominal aortic aneurysm life insurance, we can help.
Fill out our quote form on this page or call us at (888) 862-9456 and we can give you an accurate quote.
Additional Questions & Answers On Burial Insurance With An Abdominal Aortic Aneurysm
Can you get burial insurance with an aortic aneurysm?
Yes, you can get burial insurance with an aortic aneurysm. However, the plan you will qualify for will depend on the time that passed since your last treatment.
Can a person with an abdominal aortic aneurysm get burial insurance?
Yes, a person with an abdominal aortic aneurysm can get burial insurance. However, the plan you will qualify for will depend on the time that passed since your last treatment.
Can abdominal aortic aneurysm consider a critical illness in life insurance?
No, abdominal aortic aneurysm is not considered a critical illness in life insurance.
Can you get first-day coverage insurance if you have an abdominal aortic aneurysm?
Yes, you can get first-day coverage insurance if you have an abdominal aortic aneurysm.
How serious is an abdominal aortic aneurysm?
An abdominal aortic aneurysm is a serious condition that can lead to life-threatening complications if it ruptures. Treatment is typically required to prevent the aneurysm from rupturing.
Can you have surgery with an abdominal aortic aneurysm?
Yes, surgery can be used to treat an abdominal aortic aneurysm. However, the surgery may not be available in all areas.
Can you get funeral insurance if you have an abdominal aortic aneurysm?
Yes, but the type of policy you will qualify for will depend on the time that has passed since your last treatment.
Do I need to tell insurance about an abdominal aortic aneurysm?
Yes, you will need to tell any insurance company about an abdominal aortic aneurysm. This is because the condition can lead to life-threatening complications if it ruptures.
What are the things that may affect my eligibility if I have an abdominal aortic aneurysm?
The time that has passed since your last treatment or surgery will affect your eligibility for insurance.
Is abdominal aortic aneurysm a pre-existing condition for life insurance?
Yes, an abdominal aortic aneurysm is considered a pre-existing condition for life insurance.
What is the best insurance for someone with an abdominal aortic aneurysm?
The best insurance for someone with an abdominal aortic aneurysm is no medical exam policy that offers first-day coverage.
Does an aortic aneurysm qualify for disability?
An aortic aneurysm does typically qualify for disability and may qualify a person with this condition to receive Social Security Disability benefits.
Do I need to take a medical exam if I have an abdominal aortic aneurysm?
No, you will not need to take a medical exam if you have an abdominal aortic aneurysm.
Can you be denied insurance for an abdominal aortic aneurysm?
Yes, you can be denied insurance for an abdominal aortic aneurysm. If your aneurysm recently raptured and you’ve been hospitalized, your insurance application may be denied for a first-day coverage plan.
Is abdominal aortic aneurysm a pre-existing condition?
Yes, an abdominal aortic aneurysm is considered a pre-existing condition. Any medical condition you have before the insurance application is considered a pre-existing condition.
How serious is an abdominal aneurysm in insurance?
An abdominal aortic aneurysm is a serious condition that can lead to life-threatening complications if it ruptures. Treatment is typically required to prevent the aneurysm from rupturing. Because of this, insurance companies may consider this condition to be high-risk and you may be denied coverage or have limited coverage options.
What disability category is an abdominal aortic aneurysm?
An abdominal aortic aneurysm typically falls under the disability category of cardiovascular disease. This includes conditions that affect the heart and blood vessels.
Is abdominal aortic aneurysm fatal in life insurance?
No, an abdominal aortic aneurysm is not considered fatal in life insurance. However, the condition can lead to life-threatening complications if it ruptures.
Can you get surgery for an abdominal aortic aneurysm?
Yes, surgery can be used to treat an abdominal aortic aneurysm.
Can abdominal aortic aneurysm patients get final expense insurance?
Yes, abdominal aortic aneurysm patients can get final expense insurance. The type of policy you will qualify for will depend on the time that has passed since your last treatment.
What is the average cost of life insurance for someone with an abdominal aortic aneurysm?
The average cost of life insurance for someone with an abdominal aortic aneurysm will depend on the coverage amount and the company you choose.
Can aortic aneurysm cause sudden death?
Yes, an aortic aneurysm can cause sudden death. This is why it’s important to get treatment for this condition.
Can abdominal aortic aneurysm affect life insurance?
Yes, an abdominal aortic aneurysm can affect life insurance. The condition can lead to life-threatening complications if it ruptures. Because of this, insurance companies may consider this condition to be high-risk and you may be denied coverage or have limited coverage options.
Can you be rejected for life insurance because of an abdominal aortic aneurysm?
Yes, you can be rejected for life insurance because of an abdominal aortic aneurysm. If your aneurysm recently ruptured and you’ve been hospitalized, your insurance application may be denied for a first-day coverage plan.
Can an abdominal aortic aneurysm affect your life insurance rates?
Yes, an abdominal aortic aneurysm can affect your life insurance rates. The condition can lead to life-threatening complications if it ruptures. Because of this, insurance companies may consider this condition to be high-risk and you may be charged higher premiums.
My husband has an abdominal aortic aneurysm. Can I get life insurance on him?
Yes, you can get life insurance on your husband even if he has an abdominal aortic aneurysm. The type of policy you will qualify for will depend on the time that has passed since his last treatment.
Can abdominal aortic aneurysm medication affect my premium?
Yes, abdominal aortic aneurysm medication can affect your premium. The type of medication you take and the dosage may impact your rates.
What is the average cost of life insurance for someone who has had surgery for an abdominal aortic aneurysm?
The average cost of life insurance for someone who has had surgery for an abdominal aortic aneurysm will depend on the coverage amount and the company you choose.
How can you get the best life insurance rates with an abdominal aortic aneurysm?
The best way to get the best life insurance rates with an abdominal aortic aneurysm is to work with an experienced agent. They will be able to find you the best coverage options and help you save money on your premiums.
Is there an age limit for burial insurance with an abdominal aortic aneurysm?
If you are 18-85 years old you can qualify for burial insurance with an abdominal aortic aneurysm.
What is the best insurance option for people with an abdominal aortic aneurysm?
A first-day coverage plan is the best insurance option for people with an abdominal aortic aneurysm. This type of policy will not require a medical exam and you will be covered from the day you buy the policy.
What are some things to keep in mind when getting life insurance with an abdominal aortic aneurysm?
Some things to keep in mind when getting life insurance with an abdominal aortic aneurysm include:
- The type of policy you choose will impact your rates.
- Working with an experienced agent can help you get the best coverage options and rates.
- The condition can lead to life-threatening complications if it ruptures.
- Insurance companies may consider this condition to be high-risk.
