2024 Burial Insurance with Coronary Artery Disease

Can you qualify for burial insurance if you have been diagnosed with Coronary Artery Disease? If your coronary artery disease has been treated by a doctor, and the correct plans are available in your state, you can still qualify for 1st-day coverage burial insurance.

In this article, we will outline how you can find affordable burial insurance with coronary artery disease and what options are open for you if you have this medical condition.


What Is Coronary Artery Disease?

Coronary artery disease (CAD) is a narrowing or blockage of the coronary arteries, the blood vessels that supply oxygen-rich blood to your heart muscle. This narrowing is caused by a buildup of plaque, a fatty substance that accumulates on the inner walls of the arteries. 

As plaque builds up, it narrows the arteries and reduces blood flow to the heart. This can cause chest pain (angina), shortness of breath, and other symptoms. In some cases, CAD can lead to a heart attack and heart failure, a condition that occurs when a blood clot completely blocks a coronary artery.

Coronary artery disease (CAD) is dangerous because it reduces blood flow to your heart, which can lead to several serious complications, some of them even life-threatening. 

The most common surgeries performed to treat advanced cases of coronary artery disease are:

  1. Angioplasty – helps open up the artery to increase blood flow to the heart.
  2. Bypass surgery – another blood vessel from the body (graft) is placed around the blocked artery to restore blood flow to the heart.
  3. Stents—small mesh cylinders are inserted into the diseased artery to prevent it from re-closing and blood clots from forming.

Can I Get Burial Insurance If I Have Coronary Artery Disease?

YES: You can qualify for first-day coverage insurance with some life insurance companies that don’t ask about past coronary artery disease on their health questionnaire application form.

NO: If you have a recent heart attack because of coronary artery disease or have an upcoming heart or circulation surgery, you may not qualify for a first-day coverage plan until any surgeries or procedures have been completed.

If you don’t qualify for a first-day coverage plan, you can still qualify for guaranteed-issue burial insurance that doesn’t ask health questions.

Burial Insurance Available To People With Coronary Artery Disease

FIRST-DAY COVERAGE – This burial insurance has no waiting period. This means your policy benefits are available from the first payment date. Burial insurance with no waiting period is always cheaper than guaranteed issue life insurance. 

GUARANTEED ISSUE LIFE INSURANCE – This policy does not require a medical exam or health questions. You can qualify regardless of your health condition. The major drawback is it comes with a two-year waiting period.

If you pass away during the first two years, the insurance provider will only pay out the premiums you have paid plus 7-10% interest (depending on the company).

What Is My Best Insurance Option If I Have Coronary Artery Disease?

If you’ve been diagnosed, received treatment, or advised to receive treatment and medication for coronary artery disease, your preferred option should always be a first-day coverage plan.

Some burial insurance companies don’t ask about coronary artery disease on their health questionnaire. If you have any pending or scheduled procedures or surgeries, we should have a conversation to strategize when to apply for the best coverage options. 

Do I Need A Medical Exam To Qualify For Burial Insurance?

Medical exams, blood tests, and urine samples are not required for burial insurance policy approval.

The best burial insurance plans with first-day coverage ask some basic health questions and review your prescription medication history. If you go with the best company, you can often get official approval from the insurance carrier within minutes!

What Is The Cost Of Burial Insurance If I Have Coronary Artery Disease?

The cost of burial insurance will depend on your:

  • Age
  • Coverage amount
  • Gender
  • General health
  • State of residence
  • Smoking status
  • Type of policy

Burial Insurance Underwriting For Coronary Artery Disease

Here’s how some insurance companies ask about coronary artery disease on the insurance application:

  • Within the past two years, have you had or been diagnosed with a heart attack or any type of heart disease or circulatory surgery?
  • During the past 24 months, have you been diagnosed as having a heart disease or failure or heart or circulatory surgery?
  • Within the past 24 months, have you been medically diagnosed as having been treated or hospitalized for heart disease, heart or circulatory surgery, including angioplasty, bypass, or stent implant?

In most cases, burial insurance companies will most likely ask about coronary artery disease within the last two years.

Final expense insurance companies will also check your prescription history electronically to see medications for coronary artery disease and other medical conditions. 

Here’s a list of some medications used to treat coronary artery disease:

  • Aspirin or blood thinners (Coumadin, Plavix, or Warfarin)
  • Angiotensin-converting enzyme (ACE) inhibitors (Losartan, Candesartan, Valsartan )
  • Cholesterol Modifying Medications
  • Beta-blockers (Metoprolol, Bisoprolol)
  • Calcium channel blockers
  • Clopidogrel
  • Nitroglycerin
  • Ranolazine
  • Statins (Atorvastatin, Fluvastatin, Lovastatin, Simvastatin, Pravastatin)

Information We Need if You Had A History Of Coronary Artery Disease

Here are some of the questions we may ask to get you the best plan and pricing:

  • Are you diagnosed with coronary artery disease, when were you diagnosed?
  • Are you receiving treatment for coronary artery disease?
  • Are you taking prescription medications?
  • Did you have any heart complications from coronary artery disease?
  • Have you ever visited an emergency room or been hospitalized due to coronary artery disease?
  • Have you had a stroke or heart attack?
  • Have you undergone any treatment or surgery for coronary artery disease?

What If Application Was Rejected Because of Coronary Artery Disease?

If you’ve been declined in the past because of coronary artery disease, it is best to work with an independent insurance agency like Funeral Funds. Our independent life insurance agents know the underwriting guidelines of different insurance companies, and we can get you approved with other companies offering the lowest rates.

We have access to more than 20 insurance companies and can help you qualify with a heart-friendly life insurance company. 

How To Get First-Day Coverage With Coronary Artery Disease

Not all companies treat coronary artery disease in the same way. It also depends on your health history, medications, and any upcoming or pending procedures or surgeries. The best way to get a first-day coverage burial insurance plan is to work with an independent agency like Funeral Funds.

Our independent life insurance agents can compare different companies offering first-day coverage insurance and recommend the best plan with the best pricing.

How To Apply For Burial Insurance With Coronary Artery Disease

  1. Consult with an Independent Insurance Agent – Look for an independent insurance agent specializing in underwriting for coronary artery disease. They can help you understand your options, compare quotes, and choose the most suitable burial insurance plan.
  2. Complete the Application Honestly – Select the insurance plan that meets your needs and budget. Be honest and accurate when answering health questions. Provide accurate details about your health, treatments, and any lifestyle changes you’ve made. 
  3. Review and Confirm Policy Details – Carefully review the policy terms before confirming your acceptance. Follow the insurance company’s instructions for submitting your application.

How Can Funeral Funds Help Me?

Here at Funeral Funds, we specialize in getting life insurance coverage for people with a history of coronary artery disease.

We work with many A+ rated insurance companies offering plans tailored to people with pre-existing conditions. We will search those companies to give you the best rate. We’ll match you up with your best life insurance option.

We will assist you in securing the coverage you need at a rate you can afford. So, if you’re looking for burial insurance for coronary artery disease, we can help. Fill out our quote form on this page or call us at (888)862-9456 to get accurate burial insurance quotes.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Coronary Artery Disease Infographic

Frequently Asked Questions

What is a pre-existing heart condition?

Any heart condition you have been diagnosed with before applying for life insurance. This can include coronary artery disease, arrhythmias, cardiomyopathies, and more.

Do I need to take a medical exam if I have coronary artery disease?

No, simplified issue policies do not require a medical exam or doctor’s visit to qualify.

Is there an age limit for burial insurance with coronary artery disease?

Most life insurance companies accept insurance applicants up to 89 years old, and the policy remains active until 121 years old.

Do I need to tell insurance about coronary artery disease?

Yes, if they ask about it in the health questionnaire. Failure to do so could result in your policy being voided and not paying out in the future.

When should I tell my insurance company about coronary artery disease?

If your insurance company asks about your coronary artery disease in the health questionnaire, you should tell them.

What is my best insurance option if I have coronary artery disease?

A first-day coverage plan is your best option to get the most coverage at the lowest pricing.

Can you get life insurance after heart surgery?

Yes, your coverage may be limited depending on the company and the time since your surgery.

Can you be rejected for life insurance because of coronary artery disease?

You can be denied coverage if you had a very recent heart surgery to correct your coronary artery disease. However, with the right insurance company, you can get 1st-day coverage after being released from the hospital as long as there are no other tests or procedures pending.


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