Burial Insurance after Angioplasty

You can get affordable burial insurance after having angioplasty surgery. The most important thing with angioplasty is the amount of time that has passed since your procedure was performed.

No matter when your angioplasty was performed, we can get you insured, and you will not be forced to pay a super high premium due to this life-saving medical procedure.

In this article, we will explain everything related to getting burial insurance after angioplasty. We will discuss what insurance companies look for, what to expect, and where to find the best insurance policy possible.

FOR EASIER NAVIGATION:

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

YOUR ANGIOPLASTY WAS OVER 2 YEARS NOW

If your surgery is more than two years now, you will have the best and lowest priced options available.

Burial insurance companies will offer you a level death benefit plan with first-day coverage at the lowest possible premium. You will be treated like you never had angioplasty in the first place!

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

If your angioplasty is over two years now, do not wait too long to get a burial insurance policy. Take immediate action and secure your policy as soon as possible.

You need to apply now because you may need to have another surgery in the future. If you need to have another angioplasty surgery, you will pay more and have to get a plan with a waiting period.

Don’t take your current health for granted, so take action now!


YOUR ANGIOPLASTY IS ONE YEAR AGO

If your angioplasty has been over 12 months, you will still qualify for burial insurance. Your best option is a first-day benefit plan. No insurance company would offer you first-day coverage if your angioplasty were within the last year.

Best Option: First-day benefit plan

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


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 ANGIOPLASTY, 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 angioplasty.

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 ANGIOPLASTY

Burial insurance companies with underwriting ask some health questions on the application. They will also perform a prescription history check to verify your health status.

Angioplasty or Percutaneous Transluminal Angioplasty (PTCA) is a surgical procedure to open, widen major arteries in the body that have been narrowed, blocked, or damaged by cholesterol buildup.

An angioplasty procedure is commonly used to treat coronary artery disease and coronary vascular disease.

Every life insurance company will ask about any surgery performed on your circulatory system. However, their only concern is when you had the last one. The life insurance underwriter will only want to know when you last had angioplasty.

In most cases, burial insurance companies will ask about it in different ways. They will ask if you have had angioplasty within the last year or within the previous two years.

Here are some examples of angioplasty question you will see on the health questionnaire:

  1. In the previous 12 months, have you been advised to have surgery for coronary disease?
  2. Have you ever been advised by a doctor to seek coronary disease treatment?
  3. In the previous two years did you have any surgery for circulation or blood clots in the heart or brain or been prescribed medication because of it?
  4. In the last two years, other than to prevent or lower risks have you received treatment for heart or circulatory disorder?


HOW MUCH INSURANCE DO I NEED IF I HAVE ANGIOPLASTY?

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


ANGIOPLASTY 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


HOW TO GET THE BEST BURIAL INSURANCE RATES FOR ANGIOPLASTY PATIENTS?

The key to finding affordable burial insurance with angioplasty is finding a company that looks upon this situation most favorably.

If you are seeking burial insurance coverage after having an angioplasty, we can help. We know which A-rated life insurance carriers will provide you with low-cost burial insurance coverage without a medical exam.

We will do our best to get you the lowest cost coverage for your angioplasty condition. Our agents at Funeral Funds know the most affordable coverage options with the best burial companies for your situation. We will assist you in obtaining the burial coverage you need at the rate 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 ANGIOPLASTY

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

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

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 if you have had an angioplasty can be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.

You don’t need to waste your precious time searching different insurance companies; we will do the work for you. We can shop your case to different companies to get your application approved.

Here at Funeral Funds, we specialize in obtaining burial insurance for people with a history of angioplasty.

We work with many A-rated insurance companies that specialize in high-risk clients. We will search those companies to give you the best rate ever. We’ll match you up with your best burial insurance option.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for burial insurance with angioplasty 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 accurate rates for burial insurance.

Funeral Insurance, Final Expense Insurance, Burial Insurance After Angioplasty Infographic

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