Burial Insurance with an Abdominal Aortic Aneurysm

If 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?

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 AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES
FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


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-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded 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:

  1. When did you know you had an abdominal aortic aneurysm?
  2. What was the size of your aneurysm?
  3. How long have you been living with AAA?
  4. Have you experienced any symptoms of AAA in the last six months?
  5. Was your aneurysm operable?
  6. Did you have surgery to correct your AAA?
  7. Do you have any complications from the surgery?
  8. 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance With An Abdominal Aortic Aneurysm Infographic

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