2024 Burial Insurance With Heart Disease

You can get affordable burial insurance with heart disease, and people often qualify for first-day coverage (depending on their resident state and current health status).

Some of the more common conditions affecting your life insurance rates are coronary artery disease, congestive heart failure, cardiomyopathy, and arrhythmias.

This article will show you how to qualify for affordable final expense insurance, cremation insurance, funeral insurance, or burial insurance for heart disease, and how to get covered at the lowest possible premium.

FOR EASIER NAVIGATION:

• What Is Heart Disease?
• Can I Get Burial Insurance With Heart Disease?
• What Are The Types Of Burial Insurance Available To People With Heart Disease?
• What Is My Best Insurance Option If I Have Heart Disease?
• Do I Need A Medical Exam To Qualify for Heart Disease Burial Insurance?
• What Is The Price Of Burial Insurance If I Have Heart Disease?
• Burial Insurance Underwriting For Heart Disease Patients
• What If My Application Was Rejected Because Of Heart Disease?
• Information We Need If You Have Heart Disease
• How To Get First-Day Coverage Insurance If You Have Heart Disease
• How To Apply For Burial Insurance With Heart Disease
• How Can Funeral Funds Help Me?
• Frequently Asked Questions

What Is Heart Disease?

Heart disease is an umbrella term for several conditions that affect your heart. The most common type is coronary artery disease (CAD), which develops when the arteries that supply blood to your heart become clogged with plaque, a buildup of fatty deposits. This narrows the arteries and reduces blood flow to the heart.

When blood flow to the heart is blocked, it can cause chest pain (angina), shortness of breath, and other symptoms. In some cases, a complete blockage can lead to a heart attack, which occurs when part of the heart muscle dies due to lack of oxygen.

Other types of heart disease include:

• Heart rhythm problems (arrhythmias)
• Heart muscle disease (cardiomyopathy)
• Heart valve disease
• Congenital heart defects (birth defects of the heart)

Heart disease is the leading cause of death for both men and women in the United States. However, it can often be prevented or managed through lifestyle changes, such as eating a healthy diet, exercising regularly, and maintaining a healthy weight.

If you have a heart condition, the severity of your condition, your age at diagnosis, and your overall health will all be factored into the price.

Can I Get Burial Insurance With Heart Disease?

Yes, you may even qualify for first-day burial insurance with no waiting period if you are currently being treated and following your doctor’s medical recommendations. 

What Are The Types Of Burial Insurance Available To People With Heart Disease?

First-day Coverage Plan – This type of life insurance policy has immediate coverage and no waiting period. You don’t have to take a medical exam. You only need to answer a few health questions.

Guaranteed Issue Whole Life Insurance – This insurance has no medical exam or health questions. Guaranteed issue life insurance policies accept applicants regardless of their health condition. It is designed for people who may not qualify for traditional term life insurance or whole life insurance due to serious health issues.

The downside of a guaranteed issue whole life insurance policy is the mandatory two-year waiting period. During this waiting period, if you were to pass away, the insurance company would 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 Heart Disease?

If you’ve ever been diagnosed, received treatment, or advised to receive treatment and medication for any heart disease, your best burial insurance option will always be a first-day coverage plan.

Do I Need A Medical Exam To Qualify for Heart Disease Burial Insurance?

No, you only need to answer some basic questions about your health.

The application process is simple, and you don’t need to get your medical records from your doctor or send in blood and urine samples.

With first-day coverage, you’ll often get approved by the insurance company within minutes!

What Is The Price Of Burial Insurance If I Have Heart Disease?

The price of burial insurance if you have  heart disease will depend on your:

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

Burial Insurance Underwriting For Heart Disease Patients

Burial insurance companies that offer first-day coverage insurance have two ways of underwriting your health:

FIRST – You will be asked a series of health questions. 

SECOND – Your prescription history will be used to verify your overall health.

HEALTH QUESTIONS:

You will often see heart disease asked in several ways, such as:

• Have you been treated for 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 received or been advised to receive treatment or medication for angina, heart attack, cardiomyopathy, or any type of heart or circulatory surgery?
• In the past 10 years, have you opted not to seek treatment, have not taken medication, and have not followed the prescribed treatment plan for Congestive Heart Failure, cardiomyopathy, or heart disease?

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)

The presence of these drugs in your prescription history will indicate to the insurance company that you have a history of heart disease.

What If My Application Was Rejected Because Of Heart Disease?

If your insurance application was rejected in the past because of heart disease, we will try to get you approved for first-day coverage life insurance by shopping multiple life insurance companies that accept applicants with heart disease.

Although we never recommend guaranteed acceptance life insurance as your first choice, you can get it with no medical exam or health questions. You will be approved regardless of your health.

Information We Need If You Have Heart Disease

We may ask you some of the following questions: 

• What type of heart disease do you have?
• When were you diagnosed with heart disease?
• What is your age when you were diagnosed?
• Have you been hospitalized two or more times in the last 2 years?
• Did you have any surgery to treat your heart disease?
• When did you have your last heart surgery?
• Have you been advised to have a heart transplant?
• What medications are you currently taking?
• Do you have any medical conditions aside from heart disease?

How To Get First-Day Coverage Insurance If You Have Heart Disease

If you have heart disease, working with an independent life insurance agency like Funeral Funds is the best way to get first-day coverage insurance. We will help you shop for burial insurance from companies with liberal underwriting for heart disease and compare the rates to identify the best rate.

How To Apply For Burial Insurance With Heart Disease

1. Consult with an Independent Insurance Agent – Ask for guidance from an independent insurance agent specializing in insurance underwriting for heart disease. They can help you understand your options, compare quotes, and choose the most suitable burial insurance plan.
2. Complete the Application Honestly – When filling out the life insurance application, be truthful about your heart disease. 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. Make sure the insurance coverage meets your needs and your budget.

How Can Funeral Funds Help Me?

Here at Funeral Funds, we specialize in getting life insurance coverage for people with Congestive Heart Failure.

We work with many A+ rated insurance companies that specialize in high-risk clients. 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 Congestive Heart Failure, we can help. Fill out our quote form on this page or call us at (888)862-9456 to get accurate quote burial insurance quotes.

Frequently Asked Questions

Can I get funeral insurance if I have a heart disease?

Yes, you may even qualify for a first-day coverage plan if you’re undergoing treatment.

Which insurance is best for heart disease patients?

A first-day coverage plan is the best insurance for heart disease patients.

Is AFIB considered heart disease for life insurance?

Yes, atrial fibrillation (AFIB) is a heart condition that affects your life insurance rates. AFIB is a common type of arrhythmia.

Can I get life insurance if I have had a heart attack?

Yes, many life insurance companies offer life insurance to people with a history of heart attack(s). 

Do I need to tell insurance about atrial fibrillation?

Yes, Atrial fibrillation is a type of arrhythmia and will affect your life insurance rates.

Is a heart murmur a pre-existing condition for life insurance?

Yes, a heart murmur should be disclosed to the insurance company.

Can I get life insurance if I have had open heart surgery?

Yes, but the plan you will qualify for depends on when you have had surgery and your current and future health prognosis.

I have had a stent placed. Can I still get life insurance?

Yes, however, the policy you will qualify for depends on the time since the stent surgical procedure.

Do I need life insurance if I have a defibrillator?

Yes, but the policy you qualify for will depend on when your defibrillator was implanted.

Can I get life insurance if I have a pacemaker?

Yes, but the policy you qualify for will depend on how long you have had the pacemaker and how it is performing within your body.

I have congestive heart failure. Can I get life insurance?

Yes, and you may even qualify for 1st-day coverage with the right insurance policy. The policy you will qualify for depends on how long you have had congestive heart failure and what stage it is in.

Can you get life insurance after a heart bypass?

Yes, you can get life insurance after a heart bypass. The policy you qualify for will depend on how long it has been since your surgery.

Can you get cremation insurance with a heart condition?

Yes, but the policy you qualify for will depend on the severity of your heart condition.

Can heart disease affect insurance applications?

Yes, heart conditions like coronary artery disease, congestive heart failure, arrhythmia, and stroke can impact your eligibility.

Can you be denied for a pacemaker?

Yes, a pacemaker is a type of medical device that is used to keep an artery open.

Is AFIB a heart disease considered by life insurance?

Yes.

What is the best burial insurance for seniors with heart disease?

No medical exam burial insurance is the best for seniors with heart disease. This type of policy does not require a medical exam, and is easier to qualify for.