2024 Burial Insurance with Circulatory Surgery
last updated on March 25, 2024Getting burial insurance after having circulatory surgery is possible. Regardless of what your surgery was or when your last operation is, there are options available to get you covered.
The length of time since your last circulatory surgery will determine what plans you will be eligible for and your premiums.
This article will explain how to qualify for life insurance after circulatory surgery. We will also give information on how insurance companies will respond to your circulatory surgery and what options are available to you.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Circulatory Surgery?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Circulatory Surgery, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Circulatory Surgery
- How Much Insurance Do I Need If I Have Circulatory Surgery?
- How Should I Pay My Premiums?
- Circulatory Surgery and Burial Insurance Riders
- Information We Need if You Have Circulatory Surgery
- What If I Got Denied Coverage in the Past?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Circulatory Surgery
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance With Circulatory Surgery
What Is My Best Insurance Option If I Have A History Of Circulatory Surgery?
Every burial insurance company looks at circulatory surgery the same way.
If you have any of the surgeries below, you will be considered a circulatory surgery patient:
- Angioplasty
- Aneurysm Surgery
- Artificial Heart Valve Surgery
- Arrhythmia Surgery
- Atherectomy
- Bypass Surgery
- Cardiomyoplasty
- 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
For most burial insurance companies, circulatory surgery is not a major concern. Their most critical issue is “when” you had your circulatory surgery?
The time that passes 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 OVER 24 MONTHS
You would have unlimited options if your circulatory surgery was over two years ago. Thankfully, every burial insurance company will offer you their level first-day coverage death benefit plan at the lowest rate. You will be considered as though you never had surgery in the first place.
Final expense life insurance no exam with level death benefit has immediate coverage effective on day one. This senior life insurance no waiting period plan is the least expensive burial insurance option.
Best Option: Level death benefit plan with first-day coverage
YOUR CIRCULATORY SURGERY WAS OVER ONE YEAR
Some burial insurance and final expense insurance companies have a one-year look-back period on circulatory surgery. If your circulatory surgery was over one year, your best insurance option is the 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
YOUR CIRCULATORY SURGERY WAS WITHIN THE LAST 12 MONTHS
Insurance carriers will require anywhere from 12 months to two years to pass before they offer you their best plan.
If your circulatory surgery was within the last 12 months, your best insurance option is guaranteed issue burial insurance. This plane includes a waiting period, and you will also pay more compared to someone who has never had circulatory surgery
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.
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 CIRCULATORY SURGERY, 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 circulatory surgery.
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 CIRCULATORY SURGERY
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.
Every single burial insurance company with underwriting (health questions) asks about circulatory surgery in their application.
HEALTH QUESTIONS:
The questions could be as simple as:
- Within the past 24 months, have you been medically diagnosed as having or been treated or hospitalized for heart or circulatory surgery?
- During the past 12 months, have you been diagnosed as having a stroke, angina, aneurysm, or heart or circulatory surgery?
- Within the past 2 years, have you had or been diagnosed with, received, or been advised to receive treatment or medication for heart attack, cardiomyopathy, or any type of heart or circulatory surgery?
If you answer “yes” to any of these questions, it may affect your rate and when your coverage takes effect.
PRESCRIPTION HISTORY CHECK
Burial insurance companies will check your prescription history to verify your health.
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.
How Much Insurance Do I Need If I Have Circulatory Surgery?
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.
Circulatory Surgery 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 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 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?
We need to know your medical condition to be able to provide you with the best recommendation. The more information we get, the better our chances of finding affordable insurance coverage for you.
What If I Got Denied Coverage In The Past?
If you got denied life insurance in the past because of your circulatory surgery, we could 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. You need to know these companies and apply with them to get the lowest rates. This is why working with an independent life insurance agency like Funeral Funds is essential.
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 Circulatory Surgery
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with circulatory surgery
- Cremation insurance plan with circulatory surgery
- Funeral home insurance plan with circulatory surgery
- Final Expense insurance plan with circulatory surgery
- Prepaid funeral plan insurance with circulatory surgery
- Mortgage payment protection plan with circulatory surgery
- Mortgage payoff life insurance plan with circulatory surgery Deceased spouse’s income replacement plan with circulatory surgery
- Legacy insurance gift plan to family or loved ones with circulatory surgery
- Medical or doctor bill life insurance plan with circulatory surgery
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 for pre-existing heart conditions needn’t be frustrating; 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 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 will shop your case at different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialize 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, circulatory surgery burial insurance, circulatory surgery final expense insurance, or congenital heart disease 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 Circulatory Surgery
What does life insurance consider circulatory surgery?
Life insurance companies will typically consider any type of surgery performed on the heart or blood vessels circulatory surgery. This can include anything from coronary artery bypass graft (CABG) surgery to angioplasty or even something as simple as a blood transfusion.
Can I get life insurance after circulatory surgery?
It is possible to get life insurance after circulatory surgery, you can even qualify for a first-day coverage plan if your circulatory surgery has been two years or longer.
What is a pre-existing heart condition?
A pre-existing heart condition is any type of cardiovascular disease or disorder that you have been diagnosed with before applying for life insurance. This can include anything from high blood pressure or cholesterol to coronary artery disease, heart failure, or even a heart transplant.
Can you get life insurance if you have a pre-existing heart condition?
You may still be able to qualify for life insurance even if you have a pre-existing heart condition.
Is circulatory surgery a pre-existing condition for life insurance?
No, circulatory surgery is not considered a pre-existing condition for life insurance. However, the cause of your circulatory surgery would be considered a pre-existing heart condition.
Do I need to tell insurance about circulatory surgery?
You will need to tell your life insurance company about any circulatory surgery you have had. The insurance company will then use this information to determine your rates and coverage.
What are the risks of not disclosing circulatory surgery?
If you do not disclose your circulatory surgery to your life insurance company, they may consider it to be a fraud. This could result in your policy being canceled, and you may even be denied coverage in the future.
Does circulatory surgery affect life insurance?
Circulatory surgery can affect your life insurance rates and coverage. The insurance company will take into account the type of surgery that you had, as well as the reason for the surgery. They will also look at your current health and any other factors that may be relevant.
Can a person with circulatory surgery get burial insurance?
Yes, a person with circulatory surgery can get burial insurance. The insurance company will consider the type of surgery you had, your current health, and any other relevant factors.
Do I need to take a medical exam if I have circulatory surgery?
No, you will not need to take a medical exam if you have circulatory surgery.
Is there an age limit for burial insurance with circulatory surgery?
The age limit for burial insurance with circulatory surgery is typically 85 years old.
What is the waiting period for burial insurance with circulatory surgery?
The waiting period for burial insurance with circulatory surgery is typically two years. If you have had your surgery within the last two years, you will only qualify for a first-day benefit plan. If your surgery is longer than two years, you will qualify for a first-day coverage plan
Can circulatory surgery be considered a critical illness in life insurance?
Circulatory surgery is not typically considered a critical illness in life insurance.
Is circulatory surgery considered a terminal illness?
No, circulatory surgery is not considered a terminal illness.
What are the benefits of having life insurance if you have had circulatory surgery?
Life insurance has many benefits, including peace of mind, financial security for your loved ones, and protection in case of an unexpected death.
Can you get first-day coverage insurance if you have circulatory surgery?
Yes, you can get first-day coverage insurance if you have circulatory surgery. This type of policy will pay out a death benefit as soon as the policy is issued.
Can a person with a heart condition get life insurance?
Yes, a person with a heart condition can get life insurance. The insurance company will consider the type of heart condition you have, your current health, and any other relevant factors.
What are the things that may affect my eligibility if I have circulatory surgery?
Some things that may affect your eligibility if you have circulatory surgery include the type of surgery that you had, your current health, and any other relevant factors. The insurance company will use this information to determine your rates and coverage.
What is the life expectancy after circulatory surgery?
The life expectancy after circulatory surgery will depend on the type of surgery you had, your current health, and any other relevant factors. The insurance company will use this information to determine your rates and coverage.
Which insurance is best for patients with circulatory surgery?
No one insurance company is best for patients with circulatory surgery. The best company for you will depend on your individual needs and circumstances.
Is circulatory surgery a disability?
No, circulatory surgery is not a disability.
Can I qualify for cremation insurance with a history of circulatory surgery?
Yes, you can qualify for cremation insurance with a history of circulatory surgery. The insurance company will consider the type of surgery you had, your current health, and any other relevant factors.
When should I purchase life insurance after circulatory surgery?
You can purchase life insurance at any time after your circulatory surgery. The sooner you purchase it, the better.
How do you get life insurance after circulatory surgery?
You can get life insurance after circulatory surgery by contacting a qualified insurance agent and asking about coverage.
What are the premiums for burial insurance with circulatory surgery?
The premiums for burial insurance with circulatory surgery will depend on your age, gender, location, coverage amount, and health.
Is circulatory surgery fatal in life insurance?
Yes, circulatory surgery can be fatal and can impact your life insurance rates and eligibility.
What is my best insurance option if I have circulatory surgery?
No one insurance company is best for patients with circulatory surgery. The best company for you will depend on your individual needs and circumstances.
Can you be denied insurance for circulatory surgery?
Yes, you can be denied insurance for circulatory surgery. The insurance company will consider the type of surgery you had, your current health, and any other relevant factors.
What are the chances of getting life insurance after circulatory surgery?
The chances of getting life insurance after circulatory surgery depend on the type of surgery you had, your current health, and any other relevant factors.
Can circulatory surgery affect your life insurance rates?
Yes, circulatory surgery can affect your life insurance rates. The insurance company will consider the type of surgery you had and the time that passed since the surgery.
Can circulatory surgery medication affect my premium?
Yes, circulatory surgery medication can affect your premium. The insurance company will take into account the type of medication you are taking, your current health, and any other relevant factors.
What is the average cost of life insurance for someone with circulatory surgery?
The average cost of life insurance for someone with circulatory surgery will depend on your age, gender, location, coverage amount, and health.
Can circulatory surgery patients get final expense insurance?
Yes, circulatory surgery patients can get final expense insurance.
What is the oldest age you can get life insurance with circulatory surgery?
You can apply for life insurance up until 85 years old.
Is circulatory surgery covered by a critical illness rider?
Yes, circulatory surgery is covered by a critical illness rider.
Can circulatory surgery affect life insurance?
Yes, circulatory surgery can affect life insurance. The insurance company will take into account the type of surgery you had and the time that passed since your surgery.
Can you be rejected for life insurance because of circulatory surgery?
Yes, you can be rejected for life insurance because of circulatory surgery. A recent circulatory surgery can be considered a high-risk factor by insurance companies.
What are the odds of being denied life insurance after circulatory surgery?
The odds of being denied life insurance after circulatory surgery will depend on the type of surgery you had, your current health, and any other relevant factors.
What will disqualify you from life insurance with circulatory surgery?
Some insurance companies may consider circulatory surgery to be a high-risk factor. This means that you may be denied coverage because of recent circulatory surgery.
How can you get the best life insurance rates with circulatory surgery?
The best way to get the best life insurance rates is to work with a qualified agent from Funeral Funds. We will work with you to find the best life insurance policy for your needs.
What is the best insurance option for people with circulatory surgery?
No one insurance company is best for patients with circulatory surgery. The best company for you will depend on your individual needs and circumstances.
What are the best life insurance companies for circulatory surgery?
The best life insurance companies for circulatory surgery will depend on your individual needs and circumstances. You can work with a qualified agent from Funeral Funds to find the best company for you.
Does life insurance pay out for heart failure?
Yes, life insurance does pay out for heart failure.
What are some tips for getting life insurance with circulatory surgery?
Some tips for getting life insurance with circulatory surgery include:
- No one insurance company is best for patients with circulatory surgery. The best company for you will depend on your individual needs and circumstances.
- Work with a qualified agent from Funeral Funds. We will work with you to find the best life insurance policy for your needs.
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