2023 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.
We can help you find affordable insurance coverage regardless of your current health.
This burial insurance arrhythmia article 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Arrhythmia, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Arrhythmia
- How Much Insurance Do I Need If I Have Arrhythmia?
- How Should I Pay My Premiums?
- Arrhythmia and Burial Insurance Riders
- Information We Need if You Have Arrhythmia
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Arrhythmia
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Arrhythmia
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. 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 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 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 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 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 you received a 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, 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. A few insurance companies we work with 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 take any prescription medications, the insurance companies will view you as having an arrhythmia.
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 over 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 have 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 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.
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-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included 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:
- 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 taking prescriptions? What medications are you taking?
- Are you receiving treatment for arrhythmia?
- 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.
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 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?
Finding a policy with arrhythmia needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the dirty work for you.
We work with many A+ rated insurance carriers that specialize 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, 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.
Additional Questions & Answers On Burial Insurance With Arrhythmia
Can a person with arrhythmia get life insurance?
Yes, a person with arrhythmia can get life insurance, In fact, some life insurance companies do not ask about arrhythmia in their health questionnaire.
Is arrhythmia a pre-existing condition for life insurance?
Yes, arrhythmia is a pre-existing condition for life insurance.
Do I need to take a medical exam if I have arrhythmia?
No, you do not need to take a medical exam if you have an arrhythmia. Some life insurance companies will not ask about your arrhythmia in their health questionnaire.
Is there an age limit for burial insurance with arrhythmia?
Most life insurance companies accept people with arrhythmia who are 18-85 years old.
Can you get first-day coverage insurance if you have arrhythmia?
Yes, you can get first-day coverage insurance if you have an arrhythmia. Some life insurance companies do not ask about arrhythmia in their health questionnaire.
Can arrhythmia be considered a critical illness in life insurance?
No, arrhythmia is not considered a critical illness in life insurance.
Can I get burial insurance with arrhythmia?
Yes, a person with arrhythmia can get life insurance you can easily qualify for a first-day coverage plan if you have an arrhythmia.
Do I need to tell insurance about arrhythmia?
No, you do not need to tell the insurance company about arrhythmia in most cases, as some life insurance companies will not ask about your arrhythmia in their health questionnaire.
If I have an arrhythmia, will my insurance rates go up?
No, your insurance rates will not go up if you have an arrhythmia.
Can arrhythmia affect life insurance?
No, arrhythmia does not affect life insurance.
What are the chances of getting life insurance with arrhythmia?
The chances of getting life insurance with arrhythmia are very good. Most people qualify for a first-day coverage plan.
Can I qualify for cremation insurance with a history of arrhythmia?
Yes, you can qualify for cremation insurance with a history of arrhythmia.
Is it hard to get approved for life insurance if you have arrhythmia?
No, getting approved for life insurance is not hard if you have an arrhythmia. You can easily qualify for a first-day coverage plan even if you have an arrhythmia.
What is my best insurance option if I have arrhythmia?
The best insurance option for someone with arrhythmia is a first-day coverage plan. This type of plan does not require a medical exam.
Can arrhythmia medication affect my premium?
No, arrhythmia medication will not affect your premium.
Is there a waiting period for life insurance with arrhythmia?
No, there is no waiting period for life insurance with arrhythmia. You can get first-day coverage if you have an arrhythmia.
What are the things that may affect my eligibility if I have arrhythmia?
The things that may affect your eligibility if you have arrhythmia are your age, gender, and the severity of your arrhythmia.
Can you be denied insurance for arrhythmia?
No, you cannot be denied insurance for arrhythmia.
Is arrhythmia a disability?
No, arrhythmia is not a disability.
Can I get life insurance if my family has a history of arrhythmia?
Yes, you can get life insurance if your family has a history of arrhythmia.
Is arrhythmia fatal in life insurance?
No, arrhythmia is not fatal in life insurance.
Can arrhythmia patients get final expense insurance?
Yes, arrhythmia patients can get final expense insurance.
What is the average cost of life insurance for someone with arrhythmia?
The average cost of life insurance for someone with arrhythmia may vary depending on their age, gender, location, and coverage amount.
What are some things to consider when choosing a burial policy with arrhythmia?
When choosing a burial policy with arrhythmia, some things to consider are the coverage amount, the length of the policy, and if the policy has a first-day coverage.
Can arrhythmia affect your life insurance rates?
No, arrhythmia does not affect your life insurance rates.
How can you get the best life insurance rates with arrhythmia?
The best way to get the best life insurance rates with arrhythmia is to compare different policies and coverage amounts with a company like Funeral Funds.
I have an arrhythmia, what are my options for life insurance?
There are many options for life insurance for people with arrhythmia. At Funeral Funds, we help people with policies that do not require a medical exam.
What are some tips for getting life insurance with arrhythmia?
Some tips for getting life insurance with arrhythmia is to work with independent life insurance from Funeral Funds to price shop for you to find best the best plan with the lowest rates.
Can you be rejected for life insurance because of arrhythmia?
No, you cannot be rejected for life insurance because of arrhythmia.
What is the best way to shop for life insurance with arrhythmia?
The best way to shop for life insurance with arrhythmia is to work with an independent life insurance agent from Funeral Funds. They will price shop for you to find the best plan with the lowest rates.
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