2023 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 are considering applying for a burial insurance policy, keep reading. 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Angina, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Angina
- How Much Insurance Do I Need If I Have Angina?
- How Should I Pay My Premiums?
- Angina and Burial Insurance Riders
- Finding Affordable Burial Insurance with Angina
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Angina
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Angina
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 had 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 have 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.
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, you can’t 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 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 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; 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. You can see the question asked this way:
- Have you had or been treated for angina (chest pains), aneurysm, heart attack, or failure within the last 12 months?
- 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 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 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.
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-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included 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 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 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?
Finding 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 of 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 at different insurance carriers and get you the best price.
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 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.
Additional Questions & Answers On Burial Insurance With Angina
Can a person with angina get life insurance?
Yes, a person with angina can get life insurance, you may even qualify for a first-day coverage plan if your diagnosis and treatment have been two years or longer.
Is angina a pre-existing condition for life insurance?
Angina is a pre-existing condition for life insurance, but it will not automatically disqualify you from getting coverage. Many life insurance companies look at an applicant’s overall health, so you may still be able to get life insurance even if you have angina.
Do I need to take a medical exam if I have angina?
No, you do not need to take a medical exam if you have angina.
Which insurance is best for patients with angina?
A first-day coverage plan is the best insurance for patients with angina. People with angina can easily qualify for this plan if their treatment has been over two years or longer and they are no longer taking medications.
Can angina be considered a critical illness in life insurance?
Yes, angina can be considered a critical illness in life insurance. This means that if you have angina and are diagnosed with a critical illness, you can collect a payout from your life insurance policy. Critical illness payouts are usually a percentage of the death benefit, so they can be a helpful way to cover the costs of treatment or other expenses.
Can you get first-day coverage insurance if you have angina?
Yes, you can often get first-day coverage insurance if you have angina. This means that you can be covered for life insurance from the day you buy the policy, without having to go through a medical exam. First-day coverage insurance is available from many life insurance companies.
Can I get burial insurance after angina?
Yes, you can usually get burial insurance after angina. Burial insurance is a type of life insurance designed to cover the costs of your funeral and other final expenses. Burial insurance is available from many life insurance companies, and you can often get coverage even if you have a pre-existing condition like angina.
Can angina affect life insurance?
Angina can affect life insurance in a few different ways. If you have angina and suffered a heart attack recently, you will only qualify for guaranteed issue life insurance.
Do I need to tell insurance about angina?
Yes, you need to tell your life insurance company about angina. This is because angina is a pre-existing condition, and the life insurance company will need to know about it to give you an accurate quote.
Can I qualify for cremation insurance with a history of angina?
Yes, you can often qualify for cremation insurance with a history of angina. Cremation insurance is a type of life insurance that pays for your cremation and other final expenses. Cremation insurance is available from many life insurance companies, and you can often get coverage even if you have a pre-existing condition like angina.
What is my best insurance option if I have angina?
If you have angina, your best insurance option is a first-day coverage plan. First-day coverage insurance is available from many life insurance companies, and it will allow you to be covered from the day you buy the policy, without having to go through a medical exam. First-day coverage insurance is a great option if you have a pre-existing condition, like angina.
Can angina medication affect my premium?
Yes, angina medication can affect your premium. If you are taking medication for angina, the life insurance company will need to know about it to give you an accurate quote. The type of medication you are taking, as well as the dosage, will affect your premium.
What are the things that may affect my eligibility if I have angina?
A few things may affect your eligibility if you have angina. Things that will affect your eligibility include angina diagnosis, treatment, and medications.
Can I get life insurance if I had angina?
Yes, you can often get life insurance if you have angina, and many life insurance companies will still give you coverage even if you have a pre-existing condition.
Can you be denied insurance for angina?
Yes, you can be denied insurance for angina. This is because angina is a pre-existing condition, and many life insurance companies will not issue policies to people who are recently taking medications and treatment for angina.
Is angina a disability?
No, angina is not a disability. However, if you have angina and are unable to work because of it, you may be able to collect disability benefits. You should speak to an attorney to learn more about your options.
Is angina fatal in life insurance?
No, angina is not fatal in life insurance. However, it can be a warning sign of a heart attack or stroke.
Can angina patients get final expense insurance?
Yes, angina patients can often get final expense insurance. Final expense insurance is a type of life insurance that pays for your final expenses, like your funeral and cremation. Final expense insurance is available from many life insurance companies, and you can often get coverage even if you have a pre-existing condition like angina.
What is the average cost of life insurance for someone with angina?
The average cost of life insurance for someone with angina will depend on several factors, including your age, health, and smoking status.
Is there a waiting period for life insurance with angina?
Yes, there is often a waiting period for life insurance with angina. This is because angina is a pre-existing condition, and many life insurance companies will put a waiting period for people who are recently taking medications and treatment for angina. The length of the waiting period will vary from company to company, but it is typically two years.
What are some things to consider when choosing a burial policy with angina?
When choosing a burial policy with angina, you should consider the length of the waiting period, the benefits, and the policy’s cost.
Can you be rejected for life insurance because of angina?
Yes, you can be rejected for life insurance because of angina. Many life insurance companies will not issue policies to people who are recently taking medications and treatment. If you have been recently treated for angina, you may want to consider getting guaranteed issue life insurance.
Can angina affect your life insurance rates?
Yes, angina can affect your life insurance rates. If you have angina, the life insurance company will need to know about it to give you an accurate quote. The type of medication you are taking, as well as the dosage, will affect your premium.
Is there an age limit for burial insurance with angina?
You can apply for life insurance if you are 18-85 years old even if you have angina.
What are some things to keep in mind when getting life insurance with angina?
Some things to keep in mind when getting life insurance with angina include:
- The type of medication you are taking, as well as the dosage, will affect your premium.
- You may be required to have a waiting period before your policy goes into effect.
- Some life insurance companies specialize in insuring people with pre-existing conditions like angina.
How can you get the best life insurance rates with angina?
You can do a few things to get the best life insurance rates with angina. First, you should work with an independent life insurance agent at Funeral Funds who can compare quotes from different life insurance companies.
I have angina, what are my options for life insurance?
You can do a few things to get the best life insurance rates with angina. First, you should work with an independent life insurance agent who can compare quotes from different life insurance companies.
What are some tips for getting life insurance with angina?
Some tips for getting life insurance with angina include:
- Work with an independent life insurance agent who can compare quotes from different life insurance companies.
- Choose a policy with a length that meets your needs.
- Consider a guaranteed issue life insurance policy if you have been recently treated for angina.
- Make sure you understand the policy’s waiting period and benefits before purchasing it.
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