2024 Burial Insurance with Blood Clot
last updated on July 22, 2024Burial insurance with a blood clot is easier than you think. Even if you have blood clots, emboli, or deep vein thrombosis (DVT), you may still purchase the best burial insurance at an affordable rate.
It’s possible you may even qualify for first-day coverage life insurance with the lowest rate depending on your general health.
In this article, we will explore your burial insurance options if you have blood clots and how to get the most affordable plan.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Blood Clots?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Blood Clot, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Blood Clot
- How Much Insurance Do I Need If I Have a Blood Clot?
- How Should I Pay My Premiums?
- Blood Clot and Burial Insurance Riders
- Information We Need if You Have Blood Clot
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Blood Clot
- Finding the Best Burial Insurance If You Have Blood Clots
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance Blood Clot
What Is My Best Insurance Option If I Have A History Of Blood Clots?
BLOOD CLOT TREATMENT WITH MEDICATIONS
If your blood clot was treated with medications only, and depending on when (or if) you were hospitalized, and if there was no stroke, you would qualify for first-day coverage with some insurance companies.
Best Option: Level death benefit plan with first-day coverage
BLOOD CLOT TREATMENT OVER TWO YEARS AGO
If your blood clot was treated surgically with a clot-buster (catheter-directed thrombolysis) or thrombectomy (surgical removal of a clot), you could still qualify for burial insurance depending on the date of your last treatment.
The more time has passed since your surgical thrombectomy, the better the insurance option you have. You have the best insurance options available if your surgical thrombectomy was over two years ago.
Most final expense insurance companies only look back two years on circulatory surgery. If this is your case, you will qualify for first-day coverage with any final expense insurance company.
Almost every burial insurance or final expense insurance company will offer you their best plan with no waiting period and the lowest price two years after a circulatory surgery. At this point, you will be considered as though you never had a thrombectomy from an underwriting perspective.
Best Option: Level death benefit plan with first-day coverage
TREATMENT OVER ONE YEAR BUT WITHIN THE LAST 24 MONTHS
If your blood clot treatment is over one year, but within the last 24 months, you will qualify for a first-day benefit plan.
You will be covered from the first day, and your death benefit will be phased in over time.
Best Options: First-day benefit plan
BLOOD CLOT TREATMENT WITHIN THE LAST 12 MONTHS
Thrombectomy is considered a circulatory surgery. If you have had a thrombectomy in the last 12 months, you may need to answer “yes” to the circulatory surgery question.
Every life insurance company looks negatively on any recent circulatory surgery for their level death benefit plan with first-day coverage.
Due to your recent circulatory surgery, you will be placed in a higher risk category, and you will only qualify for a guaranteed issue burial insurance.
A guaranteed issue policy (also called guaranteed acceptance life insurance) does not require a medical exam and does not ask any health questions. There is no prescription history check, MIB file check, or underwriting, and you will be approved for insurance coverage regardless of your health.
The guaranteed issue life insurance comes with a graded benefit for the first two years of the policy. This waiting period applies to the natural cause of death.
If you die during the waiting period, your beneficiary will not receive the full death benefit. Your beneficiary will only receive all the premiums you paid into the policy plus 7-10% interest.
You will need to live for the first two years before the company will pay for the natural or non-accidental cause of death. But, if you die from an accident even during the waiting period, your beneficiary will receive a 100% death benefit.
Best Option: Guaranteed issue burial insurance
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 Blood Clot, 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 a blood clot.
When you apply for burial insurance, you only have to answer some 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 A Blood Clot
If you want to get the lowest life insurance premium, we recommend applying for a plan that asks some medical questions.
The primary purpose of underwriting (asking health questions) is to know what plan you will qualify for and the amount of your premium if your application is approved.
Burial insurance companies have two ways of underwriting:
FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history to verify your health.
HEALTH QUESTIONS:
Most of the time, burial insurance companies never even directly ask about blood clots in the health questionnaire. You will rarely see it asked on a final expense or burial insurance application.
Insurance companies will only ask about specific medical conditions that they care about. The company will gladly accept your health issue if they don’t ask about it on their health questionnaire.
You will only have an issue with blood clots if you have undergone a recent thrombectomy to treat a blood clot. Blood clot treatments are considered circulatory surgery, and every life insurance company asks about it in their health questionnaire.
- During the past 24 months, have you been diagnosed with a stroke, chest pain, aneurysm, heart attack, or heart or circulatory surgery?
- During the past 24 months, have you been diagnosed as having or been hospitalized for stroke, angina, congestive heart failure, heart or circulatory surgery, or any procedure to improve circulation to the heart or brain?
- Within the past 2 years, have you had or been diagnosed with angina, heart attack, cardiomyopathy, or any type of heart or circulatory surgery?
If you have had any blood clot treatment, you may need to answer “yes” to the circulatory surgery question.
PRESCRIPTION HISTORY CHECK
Aside from the health question, a prescription history check will be conducted to verify your health. The company will see the type of medications you take and for what conditions.
If you have a blood clot or emboli, your doctor may prescribe any of these anticoagulants or blood thinners:
- Apixaban (Eliquis)
- Clopidogrel (Plavix)
- Dipyridamole (Persantine)
- Dabigatran (Pradaxa)
- Enoxaparin (Lovenox)
- Edoxaban (Savaysa)
- Fondaparinux (Arixtra)
- Heparin (Fragmin, Innohep, and Lovenox)
- Rivaroxaban (Xarelto)
- Ticlopidine (Ticlid)
- Warfarin (Coumadin, Jantoven)
If you take any of these blood thinners, some final expense insurance companies will consider you a high-risk applicant because these drugs are also used to treat stroke and heart attack.
The good news is that we work with insurance companies that don’t care that you use these drugs to prevent or treat blood clots.
If you are taking any of these blood thinners as a maintenance medication, most insurance companies will look at your health favorably because these medications prevent health problems in the future.
For the most part, blood clots are generally a non-issue with most insurance companies. We can help you qualify for the best plan with the lowest rate, even if you have had a pulmonary embolism.
How Much Insurance Do I Need If I Have Blood Clot?
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.
Blood Clot 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 others 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 Blood Clots
If you have blood clots, we will ask you questions to help you qualify for the lowest premium and avoid purchasing an expensive plan.
- When was your blood clot diagnosed?
- What medications are you taking for blood clots?
- Have you ever been diagnosed with deep vein thrombosis?
- Have you ever been diagnosed with pulmonary embolism?
- Did you ever have a mini-stroke or full-blown stroke?
- Do you have other health issues?
- Did you have any surgery to treat your blood clot?
We will look for companies that favorably look at your medical conditions and medications. Our goal here is to get you first-day coverage without requiring a waiting period before your coverage starts.
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 Blood Clot
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with blood clot
- Cremation insurance plan with blood clot
- Funeral home insurance plan with blood clot
- Final Expense insurance plan with blood clot
- Prepaid funeral plan insurance with blood clot
- Mortgage payment protection plan with blood clot
- Mortgage payoff life insurance plan with blood clot
- Deceased spouse’s income replacement plan with blood clot
- Legacy insurance gift plan to family or loved ones with blood clot
- Medical or doctor bill life insurance plan with blood clot
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.
Finding The Best Burial Insurance If You Have Blood Clots
One factor that is most crucial when applying for burial insurance with a blood clot is applying with the right company because some companies ask about blood clots or embolisms on their application.
Knowing which company is best for people with a blood clot or other health issues is something you can’t do on your own. You’ll need the help of an independent insurance agency to identify those companies for you. This is where working with an insurance professional is a must.
An independent insurance agency like Funeral Funds works for your best interest. We will shop the market for you to get the best plan for your age, health, and budget. If you have a blood clot or embolism, give us a call or complete the instant quote box to get a free quote.
How Can Funeral Funds Help Me?
Finding a policy if you have blood clots or embolism 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 blood clot funeral insurance, burial insurance with a blood clot, or blood clot life insurance.
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 Blood Clot
Can you get life insurance if you had a blood clot?
Yes, you can get life insurance if you have had a blood clot in the past. You can even qualify for a first-day coverage plan if have had a blood clot treatment in the past.
Is blood clot a pre-existing condition for life insurance?
Yes, a blood clot is considered a pre-existing condition for life insurance. If you have had a blood clot in the past, you will need to tell the insurance company about it.
Do I need to tell insurance about blood clots?
Yes, you need to tell your insurance company about any blood clots you have had in the past. This is because a blood clot is considered a pre-existing condition for life insurance.
What happens if I don’t tell my insurance about a blood clot?
If you don’t tell your insurance company about a blood clot, they may refuse to pay out on your policy if you die due to the condition. The insurance company will view the condition as a pre-existing condition that was not disclosed.
Do I need to take a medical exam if I have a blood clot?
No, you do not need to take a medical exam if you have a blood clot. However, the insurance company will ask you questions about your medical history, including any blood clots you have had.
Can you get first-day coverage insurance if you have a blood clot?
Yes, you can get first-day coverage insurance if you have a blood clot.
If I have a blood clot, can I still get life insurance?
Yes, you can still get life insurance if you have a blood clot. You may even be able to qualify for a first-day coverage plan.
Is there an age limit for burial insurance with a blood clot?
The age limit for most insurance companies is 85 years old.
Can a person with a blood clot get burial insurance?
Yes, a person with a blood clot can get burial insurance. The insurance company will ask about your medical history, including any blood clots that you have had.
How much does burial insurance cost with a blood clot?
The cost of burial insurance will depend on your age, health, and the coverage you need.
Can blood clots be considered a critical illness in life insurance?
Yes, blood clots can be considered a critical illness in life insurance. This means that if you die due to a blood clot, the insurance company will pay out the death benefit.
Is a blood clot considered a terminal illness?
No, a blood clot is not considered a terminal illness. However, it can result in a critical illness if you have a stroke as a result of your blood clot.
What are the things that may affect my eligibility if I have a blood clot?
The things that may affect your eligibility if you have a blood clot include your blood clot treatment and the time that passed since your last treatment.
What is the life expectancy after a blood clot?
The life expectancy after a blood clot depends on the severity of the condition and the treatment you receive.
Which insurance is best for patients with a blood clot?
There is no one best insurance for patients with a blood clot. The best insurance for you will depend on your individual needs and circumstances.
Is blood clot disease a disability?
No, blood clot disease is not a disability. However, it can result in a critical illness event with life insurance.
Can I qualify for cremation insurance with a history of blood clots?
Yes, you can qualify for cremation insurance with a history of blood clots. The insurance company will ask about your medical history, including any blood clots you have had.
Are blood clots a death sentence?
Blood clots are not a death sentence as most people recover from strokes or TIA’s.
What is my best insurance option if I have a blood clot?
There is no one best insurance option for patients with a blood clot. The best insurance for you will depend on your individual needs and circumstances.
What is the average cost of life insurance for someone with a blood clot?
The average cost of life insurance for someone with a blood clot will depend on your age, health, and the coverage you choose.
Is blood clot fatal in life insurance?
Yes, a blood clot can be fatal, and the insurance company will pay out the death benefit after a death occurs.
Does critical illness rider cover pulmonary embolism?
Yes, a critical illness rider can cover pulmonary embolism.
How do you get life insurance after a blood clot diagnosis?
You can get life insurance after a blood clot diagnosis by finding an insurance company that offers coverage for your condition.
Can you be denied insurance for a blood clot?
Yes, you can be denied insurance for a blood clot. A recent blood clot treatment or surgery can cause you to be denied insurance coverage.
Is there a waiting period for life insurance with a blood clot?
Yes, a two-year waiting period is usually before a life insurance company offers a first-day coverage plan if you have had a blood clot surgery.
Is DVT a critical illness?
Yes, DVT can be a critical illness in life insurance. This means that if you die as a result of a DVT, the insurance company will pay out the death benefit.
Can blood clot medication affect my premium?
Yes, blood clot medication can affect your premium. The insurance company will ask about your medical history, including any blood clots you have had and the medication you are taking.
My husband has a blood clot. Can I get life insurance on him?
Yes, you can get life insurance on your husband if he has a blood clot. You will need his consent to get life insurance on him.
What are the premiums for burial insurance with a blood clot?
The premiums for burial insurance with a blood clot will depend on your age, health, and the coverage you choose.
Can blood clot patients get final expense insurance?
Yes, blood clot patients can get final expense insurance. You may even qualify for first-day coverage.
Is a blood clot covered by a critical illness rider?
Yes, a blood clot can be covered by a critical illness rider with some companies if it results in significant bodily harm.
Can blood clots affect your life insurance rates?
Yes, blood clots can affect your life insurance rates. If you have had a recent blood clot surgery, you may qualify for first-day benefits with some companies.
Can blood clots affect life insurance?
Yes, blood clots can affect your life insurance eligibility. Most life insurance companies will require you have your treatment be two years or longer before they offer a first-day coverage plan.
Can you be rejected for life insurance because of a blood clot?
Yes, you can be rejected for life insurance because of a blood clot. A recent blood clot surgery can cause you to be denied insurance coverage.
How can you get the best life insurance rates with a blood clot?
The best way to get the best life insurance rates with a blood clot is to find a qualified insurance agent that can help you find the company that offers the best coverage for your condition.
What is the best insurance option for people with a blood clot?
The best insurance option for people with a blood clot will depend on your age, health, and coverage.
What are the best life insurance companies for a blood clot?
The best life insurance companies for blood clots depend on your needs and health.
What are some tips for getting life insurance with a blood clot?
Some tips for getting life insurance with a blood clot include:
- Work with a qualified agent from Funeral Funds who understands blood clot conditions and will help you compare rates from different life insurance companies.
- Be honest about your health history and any medications that you are taking.
- Choose a policy that best meets your needs.
