Burial Insurance with a Defibrillator

If you’re looking for burial insurance with a defibrillator, you need to keep reading. If you want a burial policy and you have issues regarding your heart, the good news is that you would still be able to get the coverage you want at an affordable price.

Because you have an implanted defibrillator, the insurance companies will want to know more about your unique medical condition and treatments before issuing you a policy.

In this article, we will show you how burial insurance carriers underwrite applicants with a defibrillator implant, what policy options are open for you, and how you can get the best burial insurance with a defibrillator.

FOR EASIER NAVIGATION:

WHAT IS MY BEST INSURANCE OPTION IF I HAVE A DEFIBRILLATOR?

How long your defibrillator was implanted will be an essential factor in determining your insurance eligibility.


DEFIBRILLATOR IMPLANTED OVER 2 YEARS AGO

An implantable cardioverter defibrillator  (ICD) is also is also called automatic internal cardiac defibrillator. ICD’s are implanted directly into the patient’s chest or abdomen to protect them from sudden death. A defibrillator implant qualifies as a circulatory surgery.

If your defibrillator implant is over 24 months ago, you are in the clear. You can easily qualify for a level death benefit plan with first-day coverage from dozens of burial insurance companies.

Your rates will be comparable to people in perfect health, and you will be fully protected from day one. You will also qualify for the lowest premium.

Best Option: Level death benefit plan with first-day coverage


DEFIBRILLATOR IMPLANTED WITHIN 24 MONTHS

If your defibrillator was implanted within two years ago, your best burial insurance option is a first-day benefit plan.

The first-day benefit plan provides first-day coverage and the death benefit is phased in over time.

Best Option: First-day benefit plan


DEFIBRILLATOR BATTERY CHANGES

A defibrillator battery change is considered simple outpatient surgery.

Some insurance companies may look at this procedure like a heart or circulatory surgery resulting in a waiting period and higher premiums if your surgery is very recent.

The good news is, we have burial insurance companies that don’t consider a defibrillator battery change as heart surgery. If your battery change is just recent, we can put you with one of those companies, to be able to get the first-day coverage without the waiting period.

Best Option: Level death benefit plan with first-day coverage


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 A DEFIBRILLATOR, 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 a defibrillator.

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 A DEFIBRILLATOR

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.

A defibrillator implant qualifies as circulatory surgery. Most burial insurance companies ask about recent circulatory surgery. Most questions center around surgeries within the last 24. It’s very seldom to see them ask beyond the 2-year mark.

HEATH QUESTIONS:

  • Prior to age 50 or during the past 24 months have you been hospitalized for heart or circulatory surgery (including pacemaker, heart valve replacement, by-pass, angioplasty, stent implant, or any procedure to improve circulation to the heart or brain?
  • Within the past 24 months have you been treated or hospitalized for heart or circulatory surgery (including pacemaker, by-pass, heart valve replacement, angioplasty, or stent implant, 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?

Generally, qualifying for burial insurance or final expense insurance depends on the length of time since your last surgery. If your defibrillator implant is very recent, it may impact your premium, and whether or not you will have a waiting period on your policy.


PRESCRIPTION HISTORY CHECK

The insurance companies will also review your prescription history as part of their underwriting procedure and risk analysis.

If you are taking prescription medication for other heart issues associated with your defibrillator, this may impact what plans and rates you qualify for.


HOW MUCH INSURANCE DO I NEED IF I HAVE A DEFIBRILLATOR?

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


DEFIBRILLATOR 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 A DEFIBRILLATOR

When applying for final expense insurance with a defibrillator, it is important to provide us much information as possible. We will ask you a series of health questions to get a better idea of your condition.

These questions include:

  1. When was your ICD installed?
  2. Why do you need a defibrillator?
  3. When was the last time you had a battery change?
  4. What other health conditions do you have?
  5. What prescription medications do you take and for what condition?

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.


HOW TO GET THE BEST BURIAL INSURANCE RATES FOR PEOPLE WITH DEFIBRILLATORS

To find affordable coverage after your defibrillator implant, you have to contact an independent insurance agency that works with the right type of insurance companies that look at defibrillators more favorably.

We know about the insurance companies underwriting guidelines and requirements for burial insurance coverage with a defibrillator. We will shop your case with multiple companies to match you with the best plan and the most affordable rate. We will do our best to get you the lowest cost coverage for your condition.

So, if you are looking for burial insurance with a defibrillator implant, we can help.


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 A DEFIBRILLATOR

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with a defibrillator
  • Cremation insurance plan with a defibrillator
  • Funeral home insurance plan with a defibrillator
  • Final Expense insurance plan with a defibrillator
  • Prepaid funeral plan insurance with a defibrillator
  • Mortgage payment protection plan with a defibrillator
  • Mortgage payoff life insurance plan with a defibrillator
  • Deceased spouse’s income replacement plan with a defibrillator
  • Legacy insurance gift plan to family or loved ones with a defibrillator
  • Medical or doctor bill life insurance plan with a defibrillator

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 a defibrillator needn’t be a frustrating process, but 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 need not 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 funeral or burial insurance with a defibrillator, 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 A Defibrillator Infographic

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