Burial Insurance with Atrial Fibrillation or AFib

Getting burial insurance with atrial fibrillation or AFib has never been easier. Most insurance companies don’t ask about atrial fibrillation in their health questions and people with AFib will easily be approved for coverage.

If you have atrial fibrillation, and have no other significant health issues, you may even qualify for the best plan with the lowest rate.

In this article, we will show you how to secure the most affordable burial insurance even if you have atrial fibrillation.

FOR EASIER NAVIGATION:

WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF ATRIAL FIBRILLATION OR AFIB?

There are several burial insurance companies that are not concerned with your atrial fibrillation. In fact, they don’t even ask about it! Their lenient underwriting standard allows for people with atrial fibrillation to get the best coverage.

If you have a history of atrial fibrillation (AFib) or irregular heartbeat your best insurance option is a level death benefit plan with first-day coverage. 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 $30,000 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 ATRIAL FIBRILLATION OR AFIB, 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 atrial fibrillation or Afib.

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 ATRIAL FIBRILLATION OR AFIB

Burial insurance underwriting has two components:

FIRST – the insurance company will ask questions about your health.

SECORD – they will electronically check your prescription history.

These two processes give the company the information they need to complete their risk analysis and determine if you are eligible for coverage.

HEALTH QUESTIONS:

The health questions on the burial insurance application are all YES or NO answers. The companies that ask about atrial fibrillation simply want to know if you have atrial fibrillation or not.

  • Some health questionnaires will specifically ask about Atrial fibrillation, an example in the last 12 months have you received diagnosis or treatment for atrial fibrillation?
  • Some will ask if you have irregular heartbeat such as, have you ever been treated for an irregular heartbeat or irregular heart rhythm.

If you have AFib, you need to answer YES to this question no matter how they phrase it.

Not all burial insurance companies will ask about atrial fibrillation or AFib. There are a few which we work with that will not ask about atrial fibrillation or irregular heart rhythm.

These insurance companies will accept your atrial fibrillation, and they will not charge you more because of it nor impose a waiting period. They will look at you as if you don’t have this condition and you are in perfect health.

Many burial insurance applications include “knockout” questions, since AFib is generally not an issue with some companies, the only way to get knocked out is if you answer YES to a knockout question.

Knockout questions are generally related to heart attack, stroke, diabetes, cognitive function, amputations, and some prescription medication that these conditions use for treatment. So, if you have atrial fibrillation, and you have no other significant underlying conditions your application will be approved by some companies.


PRESCRIPTION HISTORY CHECK:

Burial insurance companies will also look at your prescription drug history to learn what medications you take to verify your health status.

Here’s a list of prescription medications often prescribed for Atrial Fibrillation:

  • Amiodarone (Cordarone, Pacerone)
  • Digoxin (Lanoxin)
  • Dofetilide (Tikosyn)
  • Flecainide (Tambocor)
  • Propafenone (Rythmol)
  • Sotalol (Betapace, Sorine)

If you are on any of these prescription medications, you will be viewed as an atrial fibrillation patient by the insurance companies that ask about it on their health questionnaire.


HOW MUCH INSURANCE DO I NEED IF I HAVE ATRIAL FIBRILLATION OR AFIB?

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


ATRIAL FIBRILLATION OR AFIB 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


HOW TO GET THE BEST BURIAL INSURANCE RATES FOR ATRIAL FIBRILLATION OR AFIB PATIENTS?

To find the most affordable plan with atrial fibrillation, you have to work with an independent life insurance agency like Funeral Funds that represents multiple insurance companies. We will compare rates from these companies to determine which one is the lowest for you.

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 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 ATRIAL FIBRILLATION OR AFIB

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

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

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 atrial fibrillation needn’t be a frustrating process, but 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 need not 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 funeral or burial insurance with atrial fibrillation 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 an accurate quote.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Atrial Fibrillation Or AFIB Infographic

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