The first thing you need to understand when you’re considering buying burial insurance with circulatory surgery is that you can qualify for affordable coverage.
Regardless of what your surgery was or when your last operation is, there are options available to get you covered.
However, having a circulatory surgery may affect your burial insurance plan selection.
The length of time since your last circulatory surgery will determine what plans you will be eligible for, and your premiums.
In this article, we will explain how to qualify for life insurance after a circulatory surgery. We will also give information on how insurance companies will respond to your circulatory surgery and what options are available to you.
CAN YOU QUALIFY FOR BURIAL INSURANCE WITH CIRCULATORY SURGERY?
Yes, you can!
Getting life insurance after a circulatory surgery is possible, but not all surgeries are treated the same. Also, the rate for which you’ll qualify can significantly vary depending on the length of time since your last circulatory surgery.
Having any type of circulatory surgery can potentially affect how much you pay for burial insurance coverage. Furthermore, it may also mean you may have a waiting period on your policy.
If you had a circulatory surgery in the last 12 months, you will have a two-year waiting period and a higher monthly premium. After the one year mark, your options get better. Please note that we can get you approved for coverage even when you had your surgery yesterday with a guaranteed issue policy.
Want to know what’s great?
Burial insurance plans have no medical exams as part of the application process. This means you only have to answer health questions (sometimes there will be none). That’s all, simple.
This process is easy and will let you choose which plan is right for your need.
Over the years, Funeral Funds has helped many circulatory surgery clients secure affordable qualify burial insurance. Our agency specialized in helping high-risk applicants find affordable burial insurance from A-rated companies.
WHY DO BURIAL INSURANCE COMPANIES CARE ABOUT CIRCULATORY SURGERY?
Whenever you have a circulatory surgery, it causes life insurance companies to be a bit concerned. Burial insurance companies are aware that people who have had circulatory surgery have a higher risk of getting a stroke or a heart attack.
Luckily, some carriers are more lenient with applicants who had any type of circulatory surgery. Applying with the right insurance carrier can save you thousands of dollars and reduce your chances of your application being denied.
We specialize in finding the best rates for anyone who has ever had a circulatory surgery by shopping dozens of A-rated life insurance companies.
WHAT KIND OF CIRCULATORY SURGERY DID YOU HAVE?
Every burial insurance company looks at circulatory surgery the same way.
If you have any of the surgeries below, you will be considered as a circulatory surgery patient:
- Aneurysm Surgery
- Artificial Heart Valve Surgery
- Arrhythmia Surgery
- Bypass Surgery
- Catheter Ablation
- Coronary artery bypass graft
- Heart Valve Replacement
- Heart Transplant
- Myectomy/ myotomy
- Stent Placement
- Transmyocardial Revascularization
- Valvular Surgery
- Any surgery performed on any arteries in the body
WHAT WE WILL ASK YOU IF YOU HAVE A CIRCULATORY SURGERY
We will need to ask you some questions to determine which insurance company will be your best match. Doing this allows us to give you an accurate quote upfront and guarantee that the insurance company we recommend is the best fit for you.
Here’s a list of questions that we will ask you when you apply for life insurance after a circulatory surgery:
- What type of circulatory surgery do you have?
- What was the date of your last circulatory surgery?
- What is your age at the time of the surgery?
- How much time has passed since your last surgery?
- Have you had any symptoms following your surgery?
- Have you had any circulatory tests performed following your surgery?
- What medications are you currently taking?
- Do you have any other medical conditions?
- Have you ever been diagnosed with heart disease?
- Are you a smoker?
Additional health issues may affect your premium after a circulatory surgery. These issues include diabetes, high cholesterol, and coronary artery disease. Make sure you inform us about any other medical issues you are experiencing.
BURIAL INSURANCE AFTER CIRCULATORY SURGERY
The good news is that with the advances in medical technology today, many people who have had circulatory surgery can live long and healthy lives.
However, final expense insurance companies are aware that applicants who have undergone circulatory surgery run a higher risk of contracting a heart attack or a stroke.
Thankfully, for most burial insurance companies, circulatory surgery is not a major concern. The most critical issues to them is “when” did you have your circulatory surgery?
Life insurance companies generally postpone approval for a level death benefit for one or two years after any circulatory surgery. They do this to make sure that there are no complications from the surgery and to determine if the operation had been successful.
After one year, you have better options. We can get you covered even when your operation was performed yesterday.
We specialized in finding coverage for anyone who had a circulatory surgery and other high-risk life insurance.
UNDERWRITING BURIAL INSURANCE WITH CIRCULATORY SURGERY
Every single burial insurance company with underwriting (health questions) asks about circulatory surgery in their application.
During the underwriting, the company doesn’t care about all your minor medical details. They don’t care about your minor health conditions. They just want to verify if you had circulatory surgery or not.
The health questions are all “yes or no.”
The questions could be as simple as:
- In the past 12 months, have you had or advised to have circulatory surgery?
- Have you had any type of circulatory surgery within the last 24 months?
If you answer “yes” to any of these questions, it may affect your rate and when your coverage takes effect.
We know burial insurance carriers that are okay with circulatory surgeries if it was performed over a year ago.
WHEN WAS YOUR CIRCULATORY SURGERY PERFORMED?
The time that passed after your circulatory surgery is the most critical with most burial insurance carriers. It is the primary deciding factor that will dictate how much you pay and if you will have a waiting period.
YOUR CIRCULATORY SURGERY WAS WITHIN THE LAST 12 MONTHS
Insurance carriers will require anywhere from 12 months to two years to pass before they give you immediate coverage.
The actual time will depend on each company’s requirements, but most will want a year to two years to see how successful the circulatory surgery was and if there are any complications.
If your circulatory surgery was within the last 12 months, you cannot avoid a burial insurance waiting period. You will also need to pay more compared to someone who has never had circulatory surgery. If you had recent circulatory surgery, you will fall into a higher-risk category.
You also may pay anywhere from 15 to 50% more, and you will have to wait two years before you will be covered for a natural cause of death. Basically, if you die during the first two years of the policy, the company will refund 110% of your premiums to your beneficiary.
After the two years is up, your death benefit is available in full.
YOUR CIRCULATORY SURGERY WAS OVER ONE YEAR AGO BUT IT WAS WITHIN THE LAST 24 MONTHS
If your circulatory surgery was over one year, you have better options.
Some burial insurance companies have a one-year look-back period on circulatory surgery. They are not common, but we work with them. If you have no other health issues that may prevent you from qualifying with them, we can get you covered instantly.
Since your last surgery was over a year ago, it is basically a non-issue to them. You will have level death benefit or full coverage from day one, and you will not have a two-year waiting period. Additionally, you don’t have to pay a higher premium either.
YOUR CIRCULATORY SURGERY WAS OVER 24 MONTHS
If your circulatory surgery was over two years ago, you have unlimited options. Thankfully, every burial insurance company will offer you their level death benefit at the lowest rate. You will be considered as though you never had a surgery in the first place.
POLICY OPTIONS AFTER A CIRCULATORY SURGERY
IDEAL OPTION – LEVEL DEATH BENEFIT
Most burial insurance companies don’t care about circulatory surgery if it was more than two years ago. They will offer you level death benefit.
Level death benefit has immediate coverage effective on day one. This plan is the least expensive burial insurance option. Let’s say Adam applied for $10,000 face amount. The carrier approves him with level death benefit coverage.
One week later, Adam passes away. Adam’s beneficiary will receive the $10,000 death benefit to help pay for his funeral costs.
EASIEST OPTION – GUARANTEED ISSUE BURIAL INSURANCE
If you had circulatory surgery recently (less than one year), then guaranteed issue policy is an excellent choice for you because they ask no medical questions at all!
Since you had a circulatory surgery or other health issues within the last two years, GI policy is your best option. Guaranteed issue burial insurance has a waiting period for death benefit coverage. Depending on the company, the waiting period is two years.
If you happen to pass away during the waiting period, the insurance carrier will return your premiums plus 10% interest to your beneficiary.
OTHER FACTORS CONSIDERED BY BURIAL INSURANCE COMPANIES
Do you have any symptoms after your circulatory surgery?
If you experience angina (chest pain) nausea or palpitations after your surgery, it is most likely a sign of poor heart function. Your application will most likely be declined for immediate coverage because of your condition.
In this case, your best option for life insurance coverage is a guaranteed issue life insurance policy.
Are you taking any prescription medications?
Common medications for circulatory surgery patients are blood-thinners like Plavix, Warfarin, and Coumadin. In most cases, insurance companies will not care about blood thinning medications if it has been more than two years since your first fill.
But, if you have first filled your prescription within the last 24 months, some insurance companies will place you in their higher risk category and may charge you with higher premiums and waiting periods.
Do you have any other medical condition?
Health issues such as high blood pressure, COPD, diabetes and heart attack will surely affect your premiums as well as your chances of getting approved for coverage. If you have a compounding health issue, we recommend that you get a guaranteed issue burial insurance.
WHAT IF YOU GOT DENIED COVERAGE IN THE PAST?
If you got denied for life insurance in the past because of your circulatory surgery, we can help you! The primary reason for your denial is likely that you applied to the wrong company.
Some final expense insurance companies specialize in high-risk cases. To get the lowest rates, you need to know these companies and apply with them. This is why it is essential to work with an independent life insurance agency like Funeral Funds.
If you have at some point had a circulatory surgery, do not postpone buying life insurance. Take immediate action now and get yourself covered. We recommend applying now because it’s very common for additional circulatory surgeries to become necessary in the future.
If you need another circulatory surgery, you will need to pay more premiums and endure a waiting period. Take good care of your health and financial protection now.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with a circulatory surgery needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of circulatory surgery, let us help you; we will work with you side by side to find a plan that fits your needs.
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 will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will 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 circulatory surgery funeral insurance, or circulatory surgery burial insurance, or circulatory surgery 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.