Burial Insurance with Angina

Trying to qualify for burial insurance with angina can be stressful, and stress is the last thing you need when you have heart disease!

However, having a history of angina will not prevent you from being approved for coverage at an affordable rate.

If you have angina and you are considering applying for a burial insurance policy, keep reading and we will give you an overview of angina burial insurance underwriting and how to get the best rate possible.


FOR EASIER NAVIGATION:


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

IF YOUR ANGINA AND TREATMENT WAS OVER 2 YEARS AGO

Most burial insurance companies will ask about angina beyond the two-year mark. If your angina falls under this category, every burial insurance company will offer you a level death benefit plan with first-day coverage and no waiting period.

You will also pay the lowest premium, and your beneficiary will also receive 100% of your death benefit when you pass away.

Best Option: First-day Level death benefit plan


IF YOUR ANGINA WAS MORE THAN 2 YEARS AGO, BUT YOU STILL TAKE ANGINA MEDICATIONS

If you are only taking Isosorbide Dinitrate or Ranexa for Angina and you have no chest pains within the last two years, we can get you qualified for a level death benefit plan. It means you are protected from day one, and you will pay the lowest price possible.

Best Option: First day benefits plan


IF YOU HAVE BEEN TREATED FOR ANGINA FOR MORE THAN 12 MONTHS

If you have angina and been treated for more than 12-18 months, you may have better options because there are burial insurance companies that only ask about angina within that period of time.

Best Option: First-day benefit plan.

A first-day benefit plan will cover you from the first day and your death benefit is phased in over time.


IF YOU HAVE OR BEEN TREATED FOR ANGINA IN THE LAST 12 MONTHS

If you experienced angina within the previous 12 months and you are receiving treatment for this condition, it’s impossible for you to qualify for a level death benefit plan. A guaranteed issue life insurance plan is your best life insurance option.

Best Option: Guaranteed issue burial insurance

Most life insurance companies treat angina as dangerous because it can be a precursor to a heart attack or other heart diseases like TIA or stroke.

Guaranteed issue life insurance policies don’t require an angina applicant to take a medical exam or answer health questions in order to qualify.

If you’ve been denied coverage before, as long as you’re a U.S. citizen and you are between the ages of 50-85, you can qualify for a guaranteed issue life 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 ANGINA, 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 angina.

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 ANGINA

The underwriting of angina is similar to each burial insurance company. They will ask about angina or chest pain on their health questionnaire. Additionally, they will look at your prescription history to check for angina medications..

Health Questions For Angina Burial Insurance

Questions about angina are always tied to a specific period of time. You can see the question asked this way:

  1. Have you had or been treated for angina (chest pains) aneurysm, heart attack, or failure within the last 12 months?
  2. Have you been diagnosed or treated for angina within the last two years?


MEDICATIONS USED TO TREAT ANGINA

Insurance carriers will see the list of your medications when they perform a prescription history check.

Here is a list of various chest pain medications that may be prescribed for angina management:

  • Amlodipine
  • Atenolol
  • Caduet
  • Carvedilol
  • Coreg
  • Diltiazem
  • Ecotrin
  • Enoxaparin
  • Felodipine
  • Isordil
  • Isosorbide Mononitrate
  • Ivabradine
  • Lopressor
  • Metoprolol
  • Nitroglycerin
  • Nitrostat
  • Norvasc
  • Ranexa
  • Ranolazine
  • Toprol-XL
  • Verapamil

The insurance companies will see your prescribed medications for all your health issues. If any of these angina drugs appear on your prescription history check, you will be classified as an angina patient.

The filling of this prescription medication indicates treatment. If you’ve been taking any of these medications within the last 12-24 months, you may be placed in a higher risk category by most of the insurance companies.

We know insurance carriers that are more accepting of these medications. If you have been taking any of these medications for more than two years, almost all burial insurance companies will not take it against you.


HOW MUCH INSURANCE DO I NEED IF I HAVE ANGINA?

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


ANGINA 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


FINDING AFFORDABLE BURIAL INSURANCE WITH ANGINA

If you need burial insurance with angina, one of the most important steps you can take toward getting the lowest premium is to work with a qualified independent life insurance agency life Funeral Funds that specialize in getting life insurance for high-risk clients.

We work with many A-rated companies in the market. We can shop for you, and this will increase your chances of getting affordable coverage.

We know the different life insurance underwriting requirements for angina. We also know the best life insurance companies and the most affordable options for your medical condition. We will assist you in obtaining the insurance coverage you need with a premium within your budget.


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 ANGINA

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

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

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 with angina needn’t be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.

If you have a health history with angina, let us help you; we will work with you side by side to find a plan that fits your needs.

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 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 a funeral or burial insurance with angina in your medical history, 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 Agina Infographic

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