2023 Burial Insurance With 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 one’s 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 give you 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have an Aneurysm, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have an Aneurysm
- How Much Insurance Do I Need If I Have an Aneurysm?
- How Should I Pay My Premiums?
- Aneurysm and Burial Insurance Riders
- Information We Need if You Have an Aneurysm
- What If I’m Denied Life Insurance Because of My Aneurysm?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with an Aneurysm
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With An Aneurysm
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 be 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:
- The length of time since you were diagnosed with an aneurysm
- The location of your aneurysm
- 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 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 an 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 for 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 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 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 basic questions about your health. The application process is simple; 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 with 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 impact what plans you qualify for and what pricing you pay.
Most life insurance companies have asked 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 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.
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 Aneurysm
When applying for burial insurance coverage with an aneurysm, you must share with us as much information about your health as possible. This information will help us understand your condition and 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:
- When did you know you had an aneurysm?
- How long have you been living with an aneurysm?
- Where is the location of your aneurysm?
- Was your aneurysm operable?
- Did your aneurysm rupture?
- Have you had surgery or treatment to correct an aneurysm?
- What prescription medications do you take to treat your aneurysm?
- Have you undergone any tests related to your aneurysm recently?
- 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 wouldn’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 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 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.
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?
Finding a policy after an aneurysm needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the dirty work for you.
We work with many A+ rated insurance carriers that specialize 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, burial, 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.
Additional Questions & Answers On Burial Insurance With An Aneurysm
Can a person with an aneurysm get life insurance?
Yes, a person with an aneurysm can get life insurance. People with aneurysms often qualify for a first-day coverage plan if their aneurysm surgery has been two years or longer.
What types of aneurysm does the life insurance companies want to know about?
The life insurance companies will want to know about all types of aneurysms. However, they are most concerned with abdominal aortic aneurysms and brain aneurysms.
What are the chances of getting life insurance with an aneurysm?
The chances of getting life insurance with an aneurysm are good. Most people with aneurysms qualify for a first-day coverage plan if their aneurysm surgery has been two years or longer.
Is an aneurysm a pre-existing condition for life insurance?
An aneurysm is a pre-existing condition for life insurance. However, most people with aneurysms qualify for life insurance.
Do I need to take a medical exam if I have an aneurysm?
No, you do not need to take a medical exam if you have an aneurysm. However, the life insurance company may require that you take a medical exam if they feel it is necessary.
Is there an age limit for burial insurance with an aneurysm?
The typical age limit for burial insurance with an aneurysm is 85 years old.
Can an aneurysm be considered a critical illness in life insurance?
An aneurysm can be considered a critical illness in life insurance.
Can you get first-day coverage insurance if you have an aneurysm?
Yes, you can get first-day coverage insurance if you have an aneurysm. Most people with aneurysms qualify for a first-day coverage plan if their aneurysm surgery has been two years or longer.
Can I get burial insurance after an aneurysm?
Yes, you can get burial insurance after an aneurysm. Most people with aneurysms qualify for a first-day coverage plan if their aneurysm surgery has been two years or longer.
Can an aneurysm affect life insurance?
An aneurysm can affect life insurance. Aneurysm surgery that is less than two years may cause you to have a waiting period on your insurance.
Do I need to tell insurance about an aneurysm?
Yes, you need to tell insurance about an aneurysm. The life insurance company will want to know about all types of aneurysms.
Can I qualify for cremation insurance with a history of an aneurysm?
Yes, you can qualify for cremation insurance with a history of an aneurysm. Most people with aneurysms qualify for a first-day coverage plan if their aneurysm surgery has been two years or longer.
Is it hard to get approved for life insurance if you have an aneurysm?
No, getting approved for life insurance is not hard if you have an aneurysm. Most people with aneurysms qualify for a first-day coverage plan if their aneurysm surgery has been two years or longer.
What are the chances of getting life insurance if you have an aneurysm?
The chances of getting life insurance if you have an aneurysm are good. Most people with aneurysms qualify for a first-day coverage plan if their aneurysm surgery has been two years or longer.
What is my best insurance option if I have an aneurysm?
A first-day coverage plan is your best insurance option if you have an aneurysm. Most people with aneurysms qualify for this plan if their aneurysm surgery has been two years or longer.
Can aneurysm medication affect my premium?
An aneurysm medication can affect your premium.
What are the things that may affect my eligibility if I have an aneurysm?
The things that may affect your eligibility if you have an aneurysm are:
- The size of the aneurysm
- The location of the aneurysm
- The type of aneurysm
- The treatment for the aneurysm
- The time since the aneurysm surgery
- The overall health of the patient.
Can you be denied insurance for an aneurysm?
You can be denied insurance for an aneurysm. Some life insurance companies might reject your application if you had recent surgery or medical event related you an aneurysm.
Is an aneurysm a disability?
An aneurysm is not a disability.
Is an aneurysm fatal in life insurance?
An aneurysm can be fatal, especially if it occurs in the brain.
Can aneurysm patients get final expense insurance?
Yes, aneurysm patients can get final expense insurance. Most people with aneurysms qualify for a first-day coverage plan if their aneurysm surgery has been two years or longer.
What is the average cost of life insurance for someone with an aneurysm?
The average cost of life insurance for someone with an aneurysm varies depending on age, gender, location, and coverage amount.
Is there a waiting period for life insurance with an aneurysm?
There may be a waiting period for life insurance with an aneurysm. Recent aneurysm surgery can cause you to have a two-year waiting period on your plan.
What are some things to consider when choosing a burial policy with an aneurysm?
Some things to consider when choosing a burial policy with an aneurysm are:
- The treatment for the aneurysm
- The time since the aneurysm surgery
- The overall health of the patient.
What is the best way to shop for life insurance with an aneurysm?
The best way to shop for life insurance with an aneurysm is to work with an independent insurance agent like Funeral Funds, so they can help you compare policies and find the best coverage for your needs.
Can you be rejected for life insurance because of an aneurysm?
Yes, you can be rejected for life insurance because of an aneurysm. Some life insurance companies might reject your application if you had recent surgery.
Can an aneurysm affect your life insurance rates?
An aneurysm can affect your life insurance rates. Recent surgery can cause a two-year waiting period on your plan.
How can you get the best life insurance rates with an aneurysm?
The best way to get the best life insurance rates with an aneurysm is to work with an independent insurance agent. They can help you compare policies and find the best coverage for your needs.
I have an aneurysm, what are my options for life insurance?
A first-day coverage plan is your best insurance option if you have an aneurysm. Most people with aneurysms qualify for this plan if their aneurysm surgery has been two years or longer.
What are some tips for getting life insurance with an aneurysm?
Some tips for getting life insurance with an aneurysm are:
- Work with an independent insurance agent
- Choose a first-day coverage plan.
- Choose a no-medical exam plan
What happens when a person with an aneurysm dies?
If a person with an aneurysm dies, their life insurance policy will pay out to the beneficiary. The payout can cover funeral costs, outstanding debts, or any other expenses the beneficiary may have.
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