Burial Insurance for Heart Disease and Circulatory Issues

Burial-Insurance-for-Heart-Disease-and-Circulatory-Issues

Burial insurance for heart disease and circulatory issues is easier than you think. The more time that has passed after your last treatment or surgery, the better life insurance options you will have.

If you have any type of heart condition, knowing what to expect when you apply for coverage will significantly increase your chances of getting affordable burial insurance.

This article will show you how qualifying for life insurance heart disease circulatory issues will work. We will also show you how to qualify for affordable final expense insurance with heart disease and how to get covered at the best possible rate.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF HEART DISEASE?

ANGINA

If it’s been over two years since your last episode of angina, you could qualify for level death benefit with first-day coverage.

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


If you experienced angina within the last 24 months and you are receiving treatment for this condition, your easiest option is a first-day benefit plan.

Best Option: First-day benefit plan


ARRHYTHMIA

Some burial insurance companies are not concerned with irregular heartbeat or arrhythmia. In fact, many don’t even ask about it in their health questions. Their lenient underwriting allows most people with arrhythmias to get a level death benefit plan with first-day coverage.

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


ATRIAL FIBRILLATION

Some burial insurance companies are not concerned with atrial fibrillation. In fact, they don’t even ask about it. Most atrial fibrillation applicants can qualify for level death benefit with first-day coverage.

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


CONGESTIVE HEART FAILURE

If you have congestive heart failure, your best insurance option is a first-day benefit plan.

Best Option: First-day benefit plan


CORONARY ARTERY DISEASE

If you had any form of treatment for coronary artery diseases such as angioplasty, bypass surgery, or stent implant within the last 24 months, you would qualify for a first-day benefit plan from insurance carriers that look back one year on heart surgeries.

Best Option: First-day benefit plan


HEART ATTACK

Some burial insurance companies only have a one-year look-back period on a heart attack. If your last heart attack was over 24 months, we can help you get approved for level death benefit with immediate coverage.

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


HEART INFECTION – ENDOCARDITIS

If your last heart infection episode required no surgery, you would qualify for level death benefit with first-day coverage.

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


HEART MURMUR

Your life insurance eligibility depends on which type of heart murmur you have. If you have an innocent or functional heart murmur, you could qualify for level death benefit as if you had no heart murmur at all.

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


If your heart murmur is organic or a result of a weak heart valve or due to an artificial heart valve that is functioning correctly, then your option is to get a first-day benefit plan.

Best Option: First-day benefit plan


If you have heart complications or hospitalizations because of a heart murmur, you will only qualify for first-day benefit plan insurance.

Best Option: First-day benefit plan


VALVULAR HEART DISEASE

Your life insurance eligibility with valvular heart disease will depend on the type of treatment you had and how long ago it was performed.

If your valvular heart disease treatment or surgery was over two years ago, your best option is a level death benefit with no waiting period.

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


If your treatment was very recent or within the past 24 months, your only option for coverage is a first-day benefit plan.

Best Option: First-day benefit plan


BURIAL INSURANCE FOR CIRCULATORY ISSUES

ABDOMINAL AORTIC ANEURYSM

Your life insurance eligibility with an abdominal aortic aneurysm (AAA) will depend on how long ago your AAA surgery was performed.

Burial insurance companies would offer you a level death benefit plan with immediate benefit if your AAA surgery was performed over 24 months ago.

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


If your AAA surgery is very recent, meaning less than than 24 months ago, your best insurance option is to get a First-day benefit plan.

Best Option: First-day benefit plan


ANEURYSM

You will easily qualify for a level death benefit plan on most burial insurance companies if your aneurysm surgery was over two years ago.

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


If your aneurysm surgery occured within the last two years, your best life insurance option is to get a First-day benefit plan.

Best Option: First-day benefit plan


HIGH BLOOD PRESSURE

The truth is people with high blood pressure, even uncontrollable blood pressure, will be eligible for level death benefit with immediate coverage. High blood pressure is a non-issue to most life insurance companies.

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


HIGH CHOLESTEROL

Some burial insurance companies don’t ask about high cholesterol in their health questions. You will easily qualify for level death benefit even if you have high cholesterol.

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


PERIPHERAL VASCULAR DISEASE

Best Option: If your peripheral vascular disease is in the early stage where you only use prescription medications to treat your condition, the best insurance option for you is a first-day benefit plan.

Best Option: First-day benefit plan

Easiest Option: If you had angioplasty, bypass grafting, or stent implant within the last 24 months, your best option is a first-day benefit plan.

Best Option: First-day benefit plan.


STROKE

All insurance companies ask about strokes within the last two years.  If your previous full stroke was over two years ago, you could qualify for level death benefit with immediate first-day coverage.

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

If your last stroke was recent or within the previous 24 months, your easiest option is to get a first-day benefit plan. burial insurance

Best Option: First-day benefit plan.


TIA MINI-STROKE

Some insurance companies ask about TIA’s within the last two years.  If your previous full TIA was over two years ago, you could qualify for level death benefit with immediate first-day coverage.

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


If you have other medical conditions and you’ve been hospitalized because of TIA, your best option for coverage is a first-day benefit plan.

Best Option: First-day benefit plan


BURIAL INSURANCE IF YOU HAD HEART SURGERY

Burial insurance eligibility after any heart surgery depends on how long ago the procedure was done.

ANGIOPLASTY

If your angioplasty was performed over 24 months ago without complications, some burial insurance companies would offer you a level death benefit.

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


If your angioplasty was within the last 24 months, your easiest life insurance option is a first-day benefit plan.

Best Option: First-day benefit plan.


CIRCULATORY SURGERY

Insurance companies will require 24 months to pass before they offer you level death benefit with first-day coverage.

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


If your circulatory surgery was within the past 24 months, your only option for coverage is a first-day benefit plan.

Best Option: First-day benefit plan.


DEFIBRILLATOR

If your implant was over 24 months ago, you could easily obtain level death benefits from dozens of burial insurance companies.

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


If you had a defibrillator implant within the last 24 months, your best option for coverage is a guaranteed issue life insurance plan.

Best Option: Guaranteed issue life insurance plan


HEART BYPASS

Your options improve considerably after two years. So, if your heart bypass surgery was more than two years ago, you may qualify for a level death benefit.

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


If you have had heart bypass surgery within the past 24 months, a first-day benefit plan. is your easiest life insurance option.

Best Option: First-day benefit plan.


HEART SURGERY

If you had heart surgery and 24 months had passed, and you have no other serious medical condition, you will qualify for a level death benefit. You will be immediately covered after you pay your first premium.

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


If your heart surgery is very recent or less than 24 months, your easiest insurance option is a first-day benefit plan.

Best Option: First-day benefit plan.


HEART TRANSPLANT

Due to the severe nature of heart transplants, there is only one insurance coverage option. This option is called guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance


HEART VALVE SURGERY

If your heart valve surgery was over 24 months, you could qualify for the level death benefit and the lowest rates.

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


If your heart valve surgery was within the last 24 months, your easiest option is to get a first-day benefit plan.

Best Option: First-day benefit plan.


PACEMAKER IMPLANT

Some life insurance companies ask about heart surgery within the previous 24 months. Since your surgery was over a year ago, you would qualify for a level death benefit plan.

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

If you had a pacemaker implant within the last 24 months, you would only qualify for a first-day benefit plan.

Best Option: First-day benefit plan.


STENT IMPLANT

Some life insurance companies only look back two years on heart stent surgery. If your heart stent surgery was more than two years, you would qualify for level death benefit with first-day coverage.

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


If your stent implant is very recent or less than two years, your easiest option for life insurance coverage is a first-day benefit plan.

Best Option: First-day benefit plan.


FACTORS THAT MAY AFFECT LIFE INSURANCE ELIGIBILITY:

Have you had surgery to treat your condition?

If you have any of the surgeries below, you will be considered as a person having heart disease or circulatory issues:

  • Angioplasty
  • Aneurysm repair
  • Artificial Heart Valve Surgery
  • Arrhythmia Surgery
  • Atherectomy
  • Bypass Surgery
  • Cardiomyoplasty
  • Catheter Ablation
  • Coronary artery bypass graft
  • Heart Valve Replacement
  • Heart Transplant
  • Minimally invasive surgery
  • Myectomy/ myotomy
  • Stent Placement
  • Transmyocardial Revascularization
  • Valvular Surgery

The time that passed after your surgery is the most crucial with most burial insurance providers. It is the key deciding factor that will dictate your premium and if you will have a waiting period.

The exact period will depend on each company’s requirements, but most companies will want a year to two years to see how successful your surgery was and if there are any complications.


If your surgery was over 24 months

You have the best option. Every burial insurance provider will offer you a level death benefit with no waiting period.  The company will treat you as though you never had any surgery at all.

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


If your surgery was within the last two years

Some insurance companies only have a one-year look-back period on surgery. Since your last surgery was over 24 months, you will qualify for the first-day benefit plan. You will be covered from the first day, and your death benefit will be phased in over time.

Best Option: First-day benefit plan


Do you have any symptoms after your surgery?

If you experience any chest pain (angina), palpitations, or nausea after your operation, it is a sign of poor heart function. Some companies will decline your application for a level death benefit if this has happened. In this case, your best option for coverage is a guaranteed issue burial insurance policy.

Best Option: Guaranteed issue burial insurance


Are you taking any medications?

Common medications for heart disease and circulatory issues are blood-thinners like Warfarin, Coumadin, and Plavix. In most cases, insurance providers will not care about most prescribed blood thinners.

With some medications, if you have filled your prescription within the last 24 months, they may consider you a high risk and may charge you with higher premiums and a waiting period (nitroglycerin is a good example).

Best Option: Guaranteed issue burial insurance


Have you had multiple episodes?

If you have a more severe form of heart disease or circulatory issue and you have multiple episodes, approval for coverage is still possible. However, you must be aware that you have limited options. You may not get the lowest rate, and you may have a waiting period.

Best Option: Guaranteed issue burial insurance


Do you have any other medical conditions?

Other health issues such as heart attack, COPD, or diabetes will affect how much you pay as well as your odds of getting approved for coverage. If you have multiple health issues, we recommend that you get a guaranteed issue burial insurance.

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 HEART DISEASE, 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 heart disease and circulatory issues.

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 HEART DISEASE

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.


HEALTH QUESTIONS:

Burial insurance companies are more concerned about heart disease and circulatory issues. Every single burial insurance company with underwriting will ask about heart disease and circulatory issues health questionnaire.

In the health questionnaires, you will see them ask about heart disease and circulatory issues in several ways, such as:

  • Have you been treated for or diagnosed with heart failure, heart attack, cardiomyopathy, or heart or circulatory surgery?
  • Prior to age of 50 or during the past 24 months have you been diagnosed as having or been hospitalized for angina, heart attack, congestive heart failure, heart or circulatory surgery?
  • Have you been diagnosed with or received or been advised to receive treatment or medication for angina, heart attack, cardiomyopathy, or any type of heart or circulatory surgery?


PRESCRIPTION HISTORY CHECK

Common medications for heart disease include:

  • ACE inhibitors (Captopril, Enalapril, Lisinopril)
  • Anti-arrhythmic medications (Amiodarone, Flecainide, Quinidine)
  • Anticoagulants (blood thinners) Heparin, Warfarin, Coumadin)
  • Beta-blockers (Atenolol, Metoprolol, Nadolol)
  • Vasodilators (Sildenafil, Tadalafil, Bosentan)

Some blood thinners are a red flag to some life insurance companies. Depending on which blood thinners you use will affect your monthly premium. However, they will not care about blood thinners if it has been two years or longer since your first fill.


HOW MUCH INSURANCE DO I NEED IF I HAVE HEART DISEASE?

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


HEART DISEASE 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 HEART DISEASE OR CIRCULATORY ISSUES

If you’re planning to buy burial insurance, we will have to ask you some questions to determine which insurance carrier will be your best fit. Doing this allows us to give you an accurate insurance quote upfront.

Here’s a list of questions that we may ask you when you apply for life insurance if you have heart disease or circulatory issues:

  • What type of heart disease or circulatory issue do you have?
  • When were you diagnosed with this condition?
  • What is your age when you were diagnosed?
  • Did you have any surgery to treat your condition?
  • When did you have your last heart or circulatory surgery?
  • Did you have any complications from the surgery?
  • Have you had any tests performed following your surgery?
  • What medications are you currently taking?
  • Do you have any medical condition aside from heart disease?

The type of burial insurance you will qualify for will depend on your answers to these questions. But, no matter how severe your condition is, we can get you approved for burial insurance.


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 HEART DISEASE

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

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

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 if you have heart disease or circulatory issues needn’t be a frustrating process; 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 don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the 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 heart disease funeral insurance, or heart disease burial insurance, or heart disease life insurance. Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate quote.

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