Burial Insurance with Blood Clot

Can-I-Get-Burial-Insurance-With-A-Blood-Clot

Burial 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 CLOT?


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 involved, you will 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. If your surgical thrombectomy was over two years ago, you have the best insurance options available.

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 it does not ask any health questions. There is no prescription history check or 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 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 PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES
FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
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 blood clot.

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 BLOOD CLOT

If you want to get the lowest premium on life insurance, we recommend that you apply 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 ask about blood clots in the health questionnaire directly. In fact, 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. If they don’t ask about it on their health questionnaire, it means the company will gladly accept your health issue.

The only time you will have an issue with blood clots is 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 circulatory surgery in their health questionnaire.

  • During the past 24 months have you been diagnosed as having 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 or have 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 form of 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 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 are taking any of these blood thinners, some final expense insurance companies will consider you to be 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 get qualified for the best plan with the lowest rate, even if you have had a pulmonary embolism in the past.


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$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


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 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 BLOOD CLOTS

If you have blood clots, we will ask you some questions to help you qualify for the lowest premium and avoid purchasing an expensive plan.

  1. When was your blood clot diagnosed?
  2. What medications are you taking for blood clots?
  3. Have you ever been diagnosed with deep vein thrombosis?
  4. Have you ever been diagnosed with pulmonary embolism?
  5. Did you ever have a mini-stroke or full-blown stroke?
  6. Do you have other health issues?
  7. Did you have any surgery to treat your blood clot?

We will look for companies that will look at your medical conditions and medications favorably. 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 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 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?

Trying to find a policy if you have blood clots or embolism 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 blood clot funeral insurance, or 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.

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