2023 Burial Insurance after Angioplasty
You can get affordable burial insurance after having angioplasty surgery. The most important thing with angioplasty is the time since your procedure was performed.
No matter when your angioplasty is 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Angioplasty, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Angioplasty
- How Much Insurance Do I Need If I Have Angioplasty?
- How Should I Pay My Premiums?
- Angioplasty and Burial Insurance Riders
- How to Get the Best Burial Insurance Rates for Angioplasty Patients?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Angioplasty
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance After Angioplasty
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, 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 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
You will still qualify for burial insurance if your angioplasty has been over 12 months. 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 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 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; 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 and 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 differently. They will ask if you have had angioplasty within the last year or the previous two years.
Here are some examples of angioplasty questions you will see on the health questionnaire:
- In the previous 12 months, have you been advised to have surgery for coronary disease?
- Have you ever been advised by a doctor to seek coronary disease treatment?
- In the previous two years, did you have any surgery for circulation or blood clots in the heart or brain or been prescribed medication?
- 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 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.
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 others 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 |
How To Get The Best Burial Insurance Rates For Angioplasty Patients?
Finding affordable burial insurance with angioplasty is finding a company that looks at 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 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 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 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?
Finding a policy if you have had an angioplasty can be frustrating, 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 for 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 for 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.
Additional Questions & Answers On Burial Insurance After Angioplasty
Can a person with angioplasty get burial insurance?
Yes, a person with angioplasty can get burial insurance. There are insurance companies that offer this type of coverage, some will even offer first-day coverage to people who have had angioplasty for two years or longer.
Which insurance is best for patients with angioplasty?
A few different insurance companies offer burial insurance to people with angioplasty. It really depends on the person’s needs and budget as to which company would be the best fit.
Can angioplasty be considered a critical illness in life insurance?
No, angioplasty is not considered a critical illness in life insurance. This is because it is a treatment that can improve a person’s health and does not typically result in death.
Does angioplasty shorten your life?
No, angioplasty is intended to lengthen your life and can often improve a person’s health and quality of life.
Is angioplasty considered heart disease?
No, angioplasty is not considered heart disease. This is because it is a treatment that can improve a person’s health and does not typically result in death.
Is angioplasty a major surgery in insurance?
No, angioplasty is not considered a major surgery in insurance. This is because it is a treatment that can improve a person’s health and does not typically result in death.
Can you get first-day coverage insurance if you have angioplasty?
Yes, some insurance companies will offer first-day coverage to people who have had an angioplasty procedure more than two years ago. This type of coverage can help to ensure that the person has the resources they need in the event of their death.
Can I get burial insurance after angioplasty?
Yes, you can get burial insurance after angioplasty. There are insurance companies that offer this type of coverage, some will even offer first-day coverage to people who have had angioplasty for two years or longer.
Is angioplasty a pre-existing condition for life insurance?
No, angioplasty is not a pre-existing condition for life insurance. This is because it is a treatment that can improve a person’s health and does not typically result in death.
Can you get funeral insurance after angioplasty?
Yes, you can get funeral insurance after the angioplasty. There are insurance companies that offer this type of coverage, some will even offer first-day coverage to people who have had an angioplasty procedure more than two years ago. This type of coverage can help to ensure that the person has the resources they need in the event of their death.
Do I need to tell insurance about angioplasty?
Yes, you will need to tell insurance about angioplasty when applying for coverage. This is because it is a treatment that can improve a person’s health and does not typically result in death.
What do I need to know about burial insurance after angioplasty?
There are insurance companies that offer burial insurance to people with angioplasty. It depends on the person’s needs and budget as to which company would be the best fit. Some insurance companies will even offer first-day coverage to people who have had an angioplasty more than two years ago. This type of coverage can help to ensure that the person has the resources they need in the event of their death.
What are the things that may affect my eligibility if I have angioplasty?
The things that may affect your eligibility if you have angioplasty are the same things that would affect anyone’s eligibility for life insurance. These include your age, health, and lifestyle. The company you apply to will also look at your medical history and any family history of illness or death.
Do I need to take a medical exam if I have angioplasty?
No, you do not need to take a medical exam if you have angioplasty. This is because it is a treatment that can improve a person’s health and does not typically result in death.
What are the benefits of having burial insurance after angioplasty?
The benefits of having burial insurance after angioplasty are the same as those of any life insurance. This type of coverage can help to ensure that the person has the resources they need in the event of their death. It can also help to cover the costs of final expenses, such as funeral costs and outstanding medical bills.
Can you be denied insurance for angioplasty?
No, you cannot be denied insurance for angioplasty. This is because it is a treatment that can improve a person’s health and does not typically result in death.
What are some things I need to know about first-day coverage insurance if I have angioplasty?
First-day coverage insurance is a type of life insurance designed to provide coverage on the first day of the policy. This can be beneficial for people who have had angioplasty, as it can help to ensure that they have the resources they need in the event of their death. Some insurance companies will even offer this type of coverage to people who have had angioplasty for two years or longer.
Is there a waiting period for insurance after angioplasty?
No, there is not a waiting period for insurance after an angioplasty more than two years ago. This is because it is a treatment that can improve a person’s health and does not typically result in death. However, it is always best to check with the specific company you are applying to in order to be sure.
What is the best way to find insurance after angioplasty?
The best way to find insurance after angioplasty is to contact a life insurance agent at Funeral Funds. They will be able to help you compare policies and find the one that is the best fit for your needs.
Can I qualify for cremation insurance with a history of angioplasty?
Cremation insurance is a type of life insurance that can benefit people with a history of angioplasty. This is because it can help to ensure that the person has the resources they need in the event of their death. Some insurance companies will even offer this type of coverage to people who have had angioplasty for two years or longer.
What are some things I should look for in a policy if I have angioplasty?
Some things you should look for in a policy if you have angioplasty are the same as the things you would look for in any life insurance policy. These include the death benefit, the premium, and the riders. You will also want to make sure that the policy covers angioplasty and that it does not have a waiting period.
What is the best life insurance for someone with angioplasty?
It is always best to speak with a life insurance agent to find the policy that is the best fit for you.
What is my best insurance option if I have angioplasty?
It is always best to speak with a life insurance agent to find the policy that is the best fit for you.
What is the best insurance option for people with angioplasty?
It is always best to speak with a life insurance agent to find the policy that is the best fit for you.
Can I get life insurance if I had angioplasty?
Yes, you can get life insurance if you had an angioplasty. This is because it is a treatment that can improve a person’s health and does not typically result in death. However, it is always best to check with the specific company you are applying to be sure.
What is the best way to find affordable life insurance after angioplasty?
The best way to find affordable life insurance after angioplasty is to contact a life insurance agent at Funeral Funds. They will be able to help you compare policies and find the one that is the best fit for your needs.
Is angioplasty fatal in life insurance?
Angioplasty is not typically fatal. This is because it is a treatment that can improve a person’s health and does not typically result in death. However, it is always best to check with the specific company you are applying to to be sure.
What is the average cost of life insurance for someone with angioplasty?
The average cost of life insurance for someone with angioplasty is the same as the average cost of life insurance for anyone else. This is because it is a treatment that can improve a person’s health and does not typically result in death. However, it is always best to check with the specific company you are applying to be sure.
Is there a waiting period for life insurance with angioplasty?
There is typically no waiting period for life insurance with angioplasty after 24 months. This is because it is a treatment that can improve a person’s health and does not typically result in death. However, it is always best to check with the specific company you are applying to in order to be sure.
Can angioplasty affect life insurance?
Angioplasty can affect life insurance because the person may have to pay a higher premium. This is because it is a treatment that can improve a person’s health and does not typically result in death. However, it is always best to check with the specific company you are applying to in order to be sure.
Can you be rejected for life insurance because of angioplasty?
Yes, you can be rejected for life insurance because of angioplasty. Some insurance companies will not accept your application if your angioplasty is very recent.
Can angioplasty affect your life insurance rates?
Angioplasty can affect your life insurance rates because the person may have to pay a higher premium.
Is there an age limit for burial insurance with angioplasty?
You can apply for burial insurance if you are 18-85 years old.
Can angioplasty medication affect my premium?
Yes, angioplasty medication can affect your premium.
How can you get the best life insurance rates with angioplasty?
The best way to get the best life insurance rates with angioplasty is to contact a life insurance agent at Funeral Funds. They will be able to help you compare policies and find the one that is the best fit for your needs.
What should I do if my life insurance company denies my claim because of angioplasty?
If your life insurance company denies your claim because of angioplasty, you should contact a life insurance agent at Funeral Funds. They will be able to help you appeal the decision and get the coverage you need.
Can angioplasty patients get final expense insurance?
Yes, angioplasty patients can get final expense insurance.
What are the best life insurance companies for angioplasty?
The best life insurance companies for angioplasty are the ones that offer the coverage you need at a price you can afford. You can compare policies and prices by contacting a life insurance agent at Funeral Funds.
What are some tips for getting life insurance with angioplasty?
Some tips for getting life insurance with angioplasty are shopping around at Funeral Funds and comparing policies, being honest about your condition, and having all your paperwork in order.
Is it hard to get life insurance with angioplasty?
No, it is not hard to get life insurance with angioplasty. However, it is always best to check with the specific company you are applying to to be sure.
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