Burial Insurance with Arrhythmia (2024 Update)
last updated on November 4, 2024Looking for affordable burial insurance with a heart that dances to its own beat? You’re in luck! Some insurance companies are cool with arrhythmias and won’t give you a hard time.
Burial insurance covers it all – burial, cremation, final expenses, funeral costs, or leaving a financial legacy.
If you prefer to keep reading, we’ve got more details on burial insurance for those with arrhythmia, or fill out our quote request form for immediate assistance and pricing information.
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What Is Arrhythmia?
Arrhythmia is just a fancy word for when your heart decides to freestyle its rhythm. Normally, your heart sticks to a certain number of beats per minute (bpm), but arrhythmias like to mix it up:
- Tachycardia: Heart’s in a hurry (over 100 bpm).
- Bradycardia: Heart’s taking it slow (under 60 bpm).
- Fibrillations or flutterings: Your heart’s vibing irregularly, fast or slow.
Some arrhythmias are harmless, while others might cause some drama.
Life insurance companies view arrhythmia as a potential health risk, since it can increase the chances of complications like stroke or heart failure.
Can I Get Burial Insurance If I Have Arrhythmia?
YES: You can totally get first-day coverage if your overall health is decent and this insurance plan is available in your zip code.
NO: If you’ve got more health issues than just a quirky heartbeat, first-day coverage might not be in the cards.
But don’t stress! Even if first-day coverage isn’t an option, guaranteed-issue burial insurance is still up for grabs, and they won’t even ask about your health.
What Are The Types Of Burial Insurance Available To People Who Have Arrhythmia?
FIRST-DAY COVERAGE – This is the VIP of burial insurance! No waiting period, no drama. Your beneficiaries get the full death benefit right off the bat. Plus, it’s cheaper than guaranteed issue life insurance.
GUARANTEED ISSUE LIFE INSURANCE – No medical exams, no health questions, no problem! You’re approved no matter what. But there’s a catch: a two-year waiting period. If you kick the bucket within that time, your loved ones get back the premiums you paid with a little interest (usually 7-10%, depending on the company).
What Is My Best Insurance Option If I Have Arrhythmia?
Some burial insurance companies couldn’t care less about your arrhythmia and don’t even bother asking about it.
If you’ve been diagnosed, treated, or told you need treatment for arrhythmia, your top pick should always be a first-day coverage plan. Don’t settle for anything less!
Do I Need A Medical Exam To Qualify For Burial Insurance?
Good news: No medical exams, no blood tests, and no awkward urine samples required for burial insurance!
The best plans with first-day coverage just ask a few basic health questions. And if you’re working with the right company, you could get official approval in just minutes!
What Is The Cost Of Burial Insurance If I Have Arrhythmia?
The price tag on burial insurance depends on a few things, like:
- Age
- Coverage amount
- Gender
- General health
- State of residence
- Smoking status
- Type of policy
Pricing example for a graceful 60-year-old female with arrhythmia:
| FEMALE PRICING | PREMIUM FOR $10,000 |
|---|---|
| CICA Life Superior Choice – 1st-Day Coverage | $47.25 |
| Colonial Penn – GI – 2-Year Wait | $49.75 5 units |
| Gerber Life – GI – 2-Year Wait | $51.06 |
| Lincoln Heritage – Modified – 2-Year Wait | $96.80 |
| Mutual Of Omaha – GI – 2-Year Wait | $42.70 |
Pricing example for a spirited 60-year-old male with arrhythmia:
| MALE PRICING | PREMIUM FOR $10,000 |
|---|---|
| CICA Life – Superior Choice – 1st-Day Coverage | $53.09 |
| Colonial Penn – GI – 2-Year Wait | $59.70 6 units |
| Gerber Life – GI – 2-Year Wait | $63.89 |
| Lincoln Heritage – Modified – 2-Year Wait | $114.14 |
| Mutual Of Omaha – GI – 2-Year Wait | $56.90 |
Burial Insurance Underwriting If You Have Arrhythmia
Here’s how some insurance companies try to get sneaky on the application:
- In the last 12 months, have you received a diagnosis or treatment for arrhythmia?
- Have you ever been diagnosed or treated for arrhythmia?
- During the past 36 months, have you been hospitalized for heart attack, heart failure, or heart or circulatory surgery, including pacemaker, heart valve replacement, stent implant, or any procedure to improve circulation to the heart?
Instead of saying “arrhythmia,” they might throw around terms like “irregular heartbeat.” For example, they might ask:
- Have you ever been treated for an irregular heartbeat or irregular heart rhythm?
If your heart’s got a mind of its own, you’ve gotta check “yes,” no matter how they phrase it.
Here’s a list of common medications for arrhythmia:
- Amiodarone (Cordarone, Pacerone)
- Flecainide (Tambocor)
- Procainamide (Procanbid)
- Sotalol (Betapace, Sorine)
- Beta-blockers (Metoprolol, Toprol XL)
- Calcium channel blockers (Verapamil, Calan)
If you’re on meds to keep your heart in check, that’s actually a plus in the insurance world. As long as your prescriptions haven’t changed much recently, insurers won’t hold it against you.
Information We Need if You Had A History Of Arrhythmia
To snag you the best plan and pricing, we might ask a few questions about your heart’s history. The more we know, the better we can match you with the right plan.
- Are you diagnosed with any type of arrhythmia?
- Are you receiving treatment for arrhythmia?
- Are you taking prescriptions? What medications are you taking?
- Did you have any heart complications from arrhythmia?
- Have you been having irregular heartbeats? For how long?
- Have you ever visited an emergency room or been hospitalized due to arrhythmia?
- Have you had a stroke or heart attack?
- Have you undergone any treatment for an irregular heartbeat?
- How long do your irregular heartbeats last?
- When were you diagnosed with arrhythmia?
What If My Application Was Rejected Because Of Arrhythmia?
If an insurance company has turned you down in the past because of your heart’s antics, don’t sweat it. That’s where an independent insurance agency like Funeral Funds comes in. We’ve got the lowdown on the underwriting guidelines of over 20 insurance companies, so we can hook you up with a heart-friendly plan at the best rates.
How to Get First-Day Coverage With A History Of Arrhythmia
Got arrhythmia and dreaming of first-day coverage for burial insurance? The best way to make that dream a reality is to team up with an independent agency like Funeral Funds. Our savvy life insurance agents will do the heavy lifting, comparing all the options and finding you the best plan at the best price.
How To Apply For Burial Insurance With Arrhythmia
- Consult with an Independent Insurance Agent – Hit up an agent from Funeral Funds who knows their stuff about arrhythmia underwriting. They’ll help you sort through your options, compare quotes, and pick the plan that suits you best.
- Complete the Application Honestly – No need to sugarcoat it – be honest about your health, treatments, and lifestyle changes when you’re filling out that application. Transparency is your friend.
- Review and Confirm Policy Details – Before you sign on the dotted line, double-check those policy details. Make sure the coverage fits your needs and won’t break the bank.
How Can Funeral Funds Help Me?
At Funeral Funds, we’re experts in getting life insurance for those with a history of arrhythmia. We work with top-notch A+ rated insurance companies that specialize in high-risk clients, so we can find you the best rate.
We’ll hook you up with the coverage you need at a price you can handle. Looking for burial insurance for arrhythmia? We’ve got you covered.
Fill out our quote form on this page or call us at (888)862-9456 to get accurate burial insurance quotes.
Frequently Asked Questions
Is arrhythmia a pre-existing condition for life insurance?
Oh, absolutely! Arrhythmia and any other diagnosed medical conditions are definitely considered pre-existing conditions when it comes to life insurance.
Is there an age limit for burial insurance with arrhythmia?
You bet! You can apply for burial insurance up to age 89, and your coverage will stick around until you’re 121.
Do I need to tell insurance about arrhythmia?
Yep, if they ask about it in their health questionnaire, you gotta be upfront.
If I have an arrhythmia, will my insurance rates go up?
Not a chance! Once you’re accepted, your rates are locked in and won’t ever increase.
What are the chances of getting life insurance with arrhythmia?
Pretty darn good! Most folks with arrhythmia can still snag a first-day coverage plan.
Can you be denied insurance for arrhythmia?
You might face a denial if you’re currently in the hospital for circulatory surgery or a pacemaker implant.
