Burial Insurance with Arrhythmia

Affordable burial insurance with an arrhythmia or irregular heartbeat is available with specific insurance companies. If you have any type of arrhythmia, applying with these companies will give you the best chance of approval.

Regardless of your current health, we can help you find affordable insurance coverage.

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:


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

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 qualify for the best plan.

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 plan when applying for burial insurance with premature atrial contractions (PAC).

You will have no waiting period and you will qualify for the lowest pricing.

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


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 $100,000 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 PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


IF I HAVE ARRHYTHMIA, 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 arrhythmia.

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 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.


HEALTH QUESTIONS

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).

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.


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.

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.


HOW MUCH INSURANCE DO I NEED IF I HAVE ARRHYTHMIA?

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


ARRHYTHMIA 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


INFORMATION WE NEED IF YOU HAVE ARRHYTHMIA

When applying for 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:

  1. Are you diagnosed with any type of arrhythmia?
  2. When were you diagnosed with arrhythmia?
  3. Have you been having irregular heartbeats? For how long?
  4. Did you have any heart complications from arrhythmia?
  5. Have you undergone any treatment for an irregular heartbeat?
  6. How long do your irregular heartbeats last?
  7. Are you taking prescriptions? What medications are you taking?
  8. Are you receiving treatment for arrhythmia?
  9. Have you ever visited an emergency room or been hospitalized due to arrhythmia?
  10. 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.


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 ARRHYTHMIA

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

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

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 with arrhythmia needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

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 work with many A+ rated insurance carriers that specialized 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 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Arrhythmia Infographic

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