Finding affordable burial expense insurance with arrhythmia can be a difficult task if you’re trying to do it on your own. If you try finding burial life insurance coverage for arrhythmia on your own, you could be in for a long journey.
Regardless of your current health, we can help you find affordable insurance coverage.
Some types of arrhythmia are not considered to be life-threatening, but they can lead to a heart attack or stroke (which can affect life expectancy). Finding life insurance with an arrhythmia may be difficult if you don’t know the best companies to work with.
The best way to make your search easier is to work with an independent life insurance agency like Funeral Funds to find out which companies will look at your condition most favorably.
In this burial insurance arrhythmia article, we will show you how to secure affordable immediate burial insurance even if you have irregular heartbeats.
FOR EASIER NAVIGATION:
CAN YOU GET BURIAL INSURANCE WITH ARRHYTHMIA?
YES, you can!
Affordable burial insurance with an arrhythmia or irregular heartbeat is available with insurance companies that specialize with high-risk medical underwriting and approval. If you have any type of arrhythmia, applying with these companies will give you the best chance of approval.
Over two million Americans have been diagnosed with an arrhythmia or irregular heartbeat, and the truth is that most people with this condition do qualify for a “level death benefit” (read on for more information).
If you tried to get life insurance and been denied in the past, or you’ve received expensive quotes, know that you have options. There are ways to get insurance protection.
When you apply for burial insurance the right way, you significantly increase your chances for approval.
WHY DO INSURANCE COMPANIES CARE ABOUT ARRHYTHMIA?
The insurance companies know that an Arrhythmia is an irregular heartbeat that is not normal. It could be too fast, irregular, or too slow.
An arrhythmia can be a standalone condition, or it can be a symptom or sign of another health condition. Sometimes irregular heartbeat happens without causing any concern, but sometimes it can be a severe medical problem.
The insurance companies know that this condition also accounts for over 600,000 hospitalizations every year, but having arrhythmia doesn’t automatically prevent you from being able to get a cheap insurance funeral plan.
An arrhythmia can increase the risk of suffering from stroke or heart disease. When you’re applying for burial insurance, all of the companies will want to know what type of arrhythmia you have and how it has been treated.
The most common type of arrhythmia is premature atrial contractions (PAC) which are mostly benign and generally not a significant concern to burial insurance carriers. In most cases, you can expect a level death benefit when applying for burial insurance with premature atrial contractions (PAC).
Atrial fibrillation or Afib is an irregular heartbeat that can also lead to stroke, heart failure, blood clots, and other heart-related complications.
AFib is not a fatal condition on its own, but it may be an issue for life insurance companies because this condition increases the risk of stroke or more serious heart issues.
The insurance companies know that atrial fibrillation patients are five times more likely to suffer from stroke compared with people with normal heart rhythm.
Atrial fibrillation is seen as an increased risk to life insurance companies.
In cases of chronic AFib, insurance carriers may decline you for coverage, and your only option is a guaranteed issue burial insurance. For more specific information read our Atrial fibrillation article.
These are the other health issues that may affect arrhythmia patients’ life expectancy:
- Previous heart attacks
- History of strokes
- History of blood clots
- Previous heart surgeries
- Blood thinner prescription
- Excessive alcohol use
WHAT WE WILL ASK YOU IF YOU HAVE ARRHYTHMIA
When applying for peace of mind burial insurance with arrhythmia, it is critical to provide us with as much information as possible so that we can get you an accurate quote and quick approval.
Here are some prequalifying questions:
- Are you diagnosed with any type of arrhythmia?
- When were you diagnosed with arrhythmia?
- Have you been having irregular heartbeats? For how long?
- Did you have any heart complications from arrhythmia?
- Have you undergone any treatment for an irregular heartbeat?
- How long do your irregular heartbeats last?
- Are you using a heart monitor to evaluate your heartbeats? What were the results?
- Are you taking prescriptions? What medications are you taking?
- Are you receiving treatment for arrhythmia?
- Is arrhythmia keeping you awake at night or made you miss work schedule?
- Have you ever visited an emergency room or been hospitalized due to arrhythmia?
- Have you had a stroke or heart attack?
It is essential to be completely honest when you answer these questions. The more information you provide to us, the better your chances of finding the most affordable coverage.
UNDERWRITING BURIAL INSURANCE WITH ARRHYTHMIA
Burial insurance underwriting for arrhythmia patients has two components.
First, the insurance carriers will ask questions about your health. Second, they will electronically check your prescription history. This is called underwriting.
Medical underwriting provides the insurers with the information needed to complete their risk analysis and determine what coverage and price you will pay.
Underwriting with an insurance funeral plan is different from traditional life insurance because they won’t ask about the severity of your condition. They won’t make you take a medical exam either with burial insurance so is much easier to qualify for that traditional life insurance.
Final expense insurance carriers with underwriting may ask some health questions about arrhythmia. The health questions all require a “yes” or “no” answer.
Health questions about arrhythmia are asked in different ways such as:
- In the last 12 months have your receive diagnosis or treatment for arrhythmia?
- Have you ever been diagnosed or treated for arrhythmia?
Most of the burial insurance application health questions you see will ask about a specific period of time such as 12 months or 24 months. In the case of arrhythmia, they will typically ask if you EVER had it in your life.
Some companies will use the word “irregular heartbeat” instead of arrhythmia. Here is an example:
- Have you ever been treated for an irregular heartbeat or irregular heart rhythm?
If you have an arrhythmia, you will need to answer yes to these questions (no matter how they phrase it).
WILL ALL INSURANCE COMPANIES ASK ABOUT ARRHYTHMIA?
Not all burial insurance carriers will ask about your arrhythmia. There are few insurance companies we work with that do not even ask if you have an arrhythmia or an irregular heartbeat. They don’t even care about this condition!
You will qualify for the lowest rates with immediate burial insurance with first-day coverage and be treated as if you are in perfect health.
Burial insurance companies will ask some “knock out” questions and perform a prescription history check. Since arrhythmia is a non-issue to these companies, the only way to get declined for immediate coverage is if you answer yes to other knockout questions.
Most knockout questions are related to stroke, heart attack, cognitive function, diabetes, and some prescription drugs that these conditions used to treat. So, if you only have an arrhythmia, and you have no other significant health issues your insurance application will be approved.
Prescription History Check
Burial insurance companies will also check your prescription history to learn what medications you take for whatever condition.
This underwriting process is done to verify your health status. If your answers to the health questions do not match the prescription medications you take, it will raise a red flag with the insurance company.
For example, if you take Nitroglycerin for heart attack, but you say no to the question “in the last 12 months, have you been diagnosed or received treatment for heart attack?” The company will know you are being dishonest in answering that question.
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 are taking any of these prescription medications, you will be viewed as having arrhythmia by the insurance companies.
Taking medications to control your condition will be seen as positive by the insurers, so if you take drugs to regulate your heartbeat, it will not be counted against you as long as you don’t have significant changes in your medication recently.
If you regularly fill your prescription for more than two years, it will be seen as a positive sign of control over your irregular heartbeat. However, recent large doses of prescription medication could be viewed as you having an unstable heart condition.
POLICY OPTIONS AVAILABLE IF YOU HAVE ARRHYTHMIA
Having an arrhythmia will not stop you from qualifying from different types of burial insurance, funeral insurance, cremation insurance, or final expense insurance.
Burial insurance is a whole life insurance policy with a death benefit ranging from $5,000 to a maximum of $50,000.
LEVEL DEATH BENEFIT
Some burial insurance companies are not concerned with your arrhythmia or irregular heartbeat. In fact, they don’t even ask about it in their health questions. Their lenient underwriting allows people with arrhythmias to get immediate insurance coverage.
Most burial insurance companies are not concerned with arrhythmias and will offer you first-day full coverage.
Burial insurance doesn’t require a medical exam and it is a great option if you want to qualify for first-day coverage.
If you have an irregular heartbeat in the past six months, it may raise a red flag to the insurance companies because arrhythmia can be seen as a symptom of an unstable heart. If this is the case with you, you will not qualify for a level death benefit, and you may need to apply for guaranteed acceptance final expense insurance.
GUARANTEED ISSUE BURIAL INSURANCE
Arrhythmia as a stand-alone condition does not require the use of guaranteed acceptance life insurance.
The only time you would need to take this route is if your irregular heartbeat was paired with another medical condition that will knock you out of a level death benefit (such as heart attack or advanced diabetes).
Guaranteed issue burial insurance has a graded death benefit with a two-year waiting period for a natural cause of death. If you die from accidental causes like a car accident or trip and fall, this policy will pay your beneficiary the full death benefit amount.
Guaranteed acceptance policy has a fixed premium that will not increase because of worsening health or advancing age. A guaranteed issue policy cannot be canceled by the insurance company and will stay in force as long as you pay your premiums.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with arrhythmia needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of arrhythmia, let us help you; we will work with you side by side to find a plan that fits your needs.
We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.
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 to get the best rate. We will 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 arrhythmia funeral insurance, or arrhythmia burial insurance, or arrhythmia life insurance, 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.