Burial Insurance With An Aneurysm

Man-Thinking-About-Burial-Insurance-After-An-Aneurysm

Buying affordable burial insurance after an aneurysm is a smart and important financial decision. Burial Insurance is the best way to ensure your loved ones’ emotional and financial well-being is protected no matter what happens to you in the future.

No matter what type or when you have had an aneurysm, you can still qualify for affordable burial life insurance.

This article will provide you with all the information you need to know about getting final expense insurance after an aneurysm. You will learn how life insurance underwrites an aneurysm and how to get the best plan.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF AN ANEURYSM?

TWO YEARS OR MORE SINCE THE ANEURYSM SURGERY OR TREATMENT

If your aneurysm surgery or treatment is over two years, you will easily qualify for the level death benefit plan with most insurance companies. You will be fully covered from the first day and your beneficiary will receive a 100% death benefit when you pass away.

Best Options: Level death benefit plan with first-day coverage


LESS THAN 2 YEARS SINCE THE ANEURYSM SURGERY OR TREATMENT

If your surgery or treatment is less than 24 months, your best insurance option is a first-day benefit plan.

With the first-day benefit plan, you will be covered from the first day and your death benefit will phased in over time.

Best Option: First-day benefit plan


When it comes to applying for burial insurance with an aneurysm, the main factors that will be considered are:

  1. The length of time since you were diagnosed with an aneurysm
  2. The location of your aneurysm
  3. If your aneurysm has been repaired or treated.

The longer the time since your aneurysm occurred, and the healthier you stay, the better your chances of qualifying for the best plan and lowest rates.

The most common types of aneurysms the insurance companies want to know about:

  • Abdominal aortic Aneurysm – occurs near the abdomen or pelvic area
  • Cerebral Aneurysm – occurs in the brain
  • Mesenteric artery Aneurysm – occurs in the intestine
  • Popliteal artery Aneurysm – occurs in the leg behind the knee
  • Splenic artery Aneurysm – occurs in the artery in the spleen
  • Thoracic Aortic Aneurysm – occurs in the major artery of the heart


OTHER FACTORS THAT MAY AFFECT YOUR ELIGIBILITY

AN INOPERABLE ANEURYSM

Some aneurysms patients will only qualify for guaranteed issue life insurance with a waiting period because:

  • They have not had aneurysm treatment or repair
  • They have chosen not to have their aneurysm removed
  • Their aneurysm 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.


ANEURYSM TREATMENT

There are different ways to treat an aneurysm. The typical treatment procedures are surgery and medication. These treatment procedures might cause aneurysm patients to pay more and have a waiting period.

Here’s how treatment may affect your burial insurance:

Surgery

An aneurysm that ruptures requires immediate surgery. There are also cases when an un-ruptured aneurysm requires surgery to correct it.

Any surgery performed on aneurysm is considered circulatory surgery. If your surgery was over two years, you will qualify for first-day coverage with most insurance companies and pay the lowest rate.

If you have a very recent surgery, meaning less than one year, a guaranteed issue life insurance policy will be the best choice for you.

Best Option: Level death benefit plan with first-day coverage


Medication

In most cases, physicians will prescribe blood thinners like Coumadin, Eliquis or Plavix to treat high blood pressure or high cholesterol to minimize the risk of an aneurysm erupting or recurring.

Some blood thinners are a red flag on some life insurance companies. Depending on which blood thinners you use, it may affect the amount you will pay for your burial insurance plan.

Whatever medications you take for an aneurysm, we can get you first-day full coverage. We know the companies that are aneurysm-friendly.

Best Option: Level death benefit plan with first-day coverage


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 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 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 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.

Underwriting is the process taken by life insurance companies to determine your level of risk.

You will typically see them ask questions this way:

  • During the past 24 months have you been diagnosed as having angina, aneurysm, or heart or circulatory surgery?
  • Within the past 2 years have you had, or been diagnosed with a brain tumor or aneurysm?
  • Within the past 24 months have you been medically diagnosed with an aneurysm or circulatory surgery?

If you have had any aneurysm treatment in the past, it may have an impact on what plans you qualify for and what pricing you pay.

Most life insurance companies ask about an aneurysm in the last two years. If your treatment were over two years ago, you would not have difficulty qualifying for burial insurance with first-day coverage.


HOW MUCH INSURANCE DO I NEED IF I HAVE AN 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


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 ANEURYSM

When applying for burial insurance coverage with an aneurysm, it’s important that you share us as much information about your health as possible. This information will aid us to understand your condition and help us to provide you with an accurate quote.

Here are some of the questions we may ask you to determine your best plan at the best value:

  1. When did you know you had an aneurysm?
  2. How long have you been living with an aneurysm?
  3. Where is the location of your aneurysm?
  4. Was your aneurysm operable?
  5. Did your aneurysm rupture?
  6. Have you had surgery or treatment to correct an aneurysm?
  7. What prescription medications do you take to treat your aneurysm?
  8. Have you undergone any tests related to your aneurysm recently?
  9. Do you have other health issues related to your aneurysm?

Depending on your answer to these questions, we will have a good idea of your burial insurance eligibility.


WHAT IF I’M DENIED LIFE INSURANCE BECAUSE OF MY ANEURYSM?

If you had an aneurysm surgery over two years ago, you won’t have difficulty obtaining life insurance. The only reason your application may be denied is if you have other health issues that affect your overall health.

If you are healthy and you have been denied, chances are you applied with the wrong company.

If you have been rejected for life insurance in the past, do not believe that you can’t get affordable life insurance through a different company.

We can help you. We work with the best burial insurance companies and will get you the best plan and pricing.


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 ANEURYSM

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with an aneurysm
  • Cremation insurance plan with aneurysm
  • Funeral home insurance plan with an aneurysm
  • Final Expense insurance plan with an aneurysm
  • Prepaid funeral plan insurance with an aneurysm
  • Mortgage payment protection plan with an aneurysm
  • Mortgage payoff life insurance plan with an aneurysm
  • Deceased spouse’s income replacement plan with an aneurysm
  • Legacy insurance gift plan to family or loved ones with an aneurysm
  • Medical or doctor bill life insurance plan with an 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.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy after an aneurysm needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

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 work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies and 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 aneurysm funeral insurance, or aneurysm burial insurance, or 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.

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