Burial Insurance with Circulatory Surgery

Getting 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.

In this article, we 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?

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:

  • 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. The most critical issue to them is “when” did you have your circulatory surgery?

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 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 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 a 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 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 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, 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 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 stroke, angina, aneurysm, or heart or circulatory surgery?
  • Within the past 2 years have you had, or been diagnosed with, or 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$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


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 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 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:

  1. What type of circulatory surgery do you have?
  2. What was the date of your last circulatory surgery?
  3. What is your age at the time of the surgery?
  4. How much time has passed since your last surgery?
  5. Have you had any circulatory tests performed following your surgery?
  6. What medications are you currently taking?
  7. Do you have any other medical conditions?
  8. 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 your chances of finding affordable insurance coverage.


WHAT IF I 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.


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 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?

Trying to find a policy with pre-existing heart conditions 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 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Circulatory Surgery Infographic

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