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. 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.

Having any type of heart disease or circulatory issues will not stop you from buying burial insurance. The more time that has passed after your last treatment or surgery, the better life insurance options you will have.

You don’t need to endure a medical exam or provide medical records to qualify for burial insurance. You will only have to answer some basic health questions. That’s it. It’s very easy!

FOR EASIER NAVIGATION:


WHAT WE WILL ASK YOU IF YOU HAVE ANY 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:

1. What type of heart disease or circulatory issue do you have?

2. When were you diagnosed with this condition?

3. What is your age when you were diagnosed?

4. Did you have any surgery to treat your condition?

5. When did you have your last heart or circulatory surgery?

6. Did you have any complications from the surgery?

7. Have you had any tests performed following your surgery?

8. What medications are you currently taking?

9. Do you have any medical condition aside from heart disease?

10. Do you use any tobacco products?

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.


UNDERWRITING BURIAL INSURANCE FOR HEART DISEASE AND CIRCULATORY ISSUES

Here are the factors that will affect your life insurance eligibility:

Have you had a 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 see how successful your surgery was and if there are any complications.

If your surgery was within the last 12 months

You cannot avoid the waiting period. You will also need to pay more compared to someone who has never had surgery. If you had recent surgery, you would fall into a higher-risk category.

You may also pay anywhere from 15 to 50% more, and you will need to wait two years before you can get coverage for a natural cause of death. If you pass during the first two years of the policy, the insurance company will refund 110% of your premiums to your beneficiaries.

After the two-year waiting period is up, your death benefit is available in full.

If your surgery was over one year

Some insurance companies only have a one-year look-back period on surgery. Since your last surgery was over 12 months, it is a non-issue, and you will qualify for level death benefit with immediate coverage.

If your surgery was over 24 months

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

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.

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).

Have you have 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.

Do you have any other medical condition?

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.


POLICY OPTIONS AVAILABLE IF YOU HAVE HEART DISEASE OR CIRCULATORY ISSUES

LEVEL DEATH BENEFIT

Most burial insurance companies wouldn’t care about heart disease or circulatory issues if it was more than two years ago. They will offer you a level death benefit. Level death benefit plan has first-day coverage. This plan is the most affordable option.

GRADED DEATH BENEFIT

Graded death benefit has a first-day partial coverage. Your beneficiaries will get a percentage of your death benefit if you pass away during the two-year waiting period. If you pass away within the first year, they will receive 40%, in the second year 70%. After the second year onward they will receive 100%.

GUARANTEED ISSUE BURIAL INSURANCE

If your heart disease or circulatory issue happened in the last year, guaranteed issue burial insurance may be your best option. There is a two-year waiting period before the policy will pay for natural causes of death. If you die during the waiting period, the insurance company will return your premiums plus 10% interest.


WHAT LIFE INSURANCE OPTION CAN I GET WITH HEART DISEASE AND CIRCULATORY ISSUES?

BURIAL INSURANCE FOR HEART DISEASE

ANGINA

Best Option: If it’s been over a year since your last episode of angina, you could qualify for level death benefit with first-day coverage.

Easiest Option: If you experienced angina within the last 12 months and you are receiving treatment for this condition, your easiest option is a guaranteed issue burial insurance.

ARRHYTHMIA

Best Option: 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 level death benefit with first-day coverage.

Easiest Option: If you have an arrhythmia in the past six months and you have an unstable heart, in this case, your easiest option will be to get a guaranteed issue burial insurance.

ATRIAL FIBRILLATION

Best Option: 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.

Easiest Option: An atrial fibrillation patient will need to take a guaranteed issue burial insurance if his AFib was paired with a severe medical condition.

CONGESTIVE HEART FAILURE

Best Option: If you have congestive heart failure, your best insurance option is a graded death benefit or first-day partial coverage.

Easiest Option: Companies consider congestive heart failure as a high-risk condition where your easiest option for insurance coverage is to get a guaranteed issue burial insurance or first-day partial coverage.

CORONARY ARTERY DISEASE

Best Option: If you had any form of treatment for coronary artery diseases such as angioplasty, bypass surgery or stent implant within the last 12-24 months; you will qualify for level death benefit plan from insurance carriers that look back one year on heart surgeries.

Easiest Option: If you any surgery was performed to treat your coronary artery disease within the last 12 months, your easiest option is to get a guaranteed issue burial insurance or first-day partial coverage.

HEART ATTACK

Best Option: Some burial insurance companies only have a one-year look-back period on a heart attack. If your last heart attack was over 12 months, we could help you get approved for level death benefit with immediate coverage.

Easiest Option: If your heart attack was very recent, 12 months or less, your easiest option is to take a guaranteed issue no-health questions policy or first-day partial coverage.

HEART INFECTION – ENDOCARDITIS

Best Option: If your last heart infection episode were more than 12 months ago, you would qualify for level death benefit with first-day coverage. It is less expensive than guaranteed issue plan.

Easiest Option: If your last heart infection is less than 12 months, guaranteed issue burial insurance or first-day partial coverage is your only option

HEART MURMUR

Your life insurance eligibility depends on which type of heart murmur you have.

Best Option: If you have innocent or functional heart murmur, you could qualify for level death benefit as if you had no heart murmur at all.

Easiest Option: 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 graded death benefit with first-day partial coverage.

If you have heart complications or hospitalizations because of a heart murmur, you will only qualify for guaranteed issue burial insurance or first-day partial coverage.

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.

Best Option: If your valvular heart disease treatment or surgery was over one year ago, your best option is a level death benefit with no waiting period.

Easiest Option: If your treatment was very recent or within the past 12 months, your only option for coverage is a guaranteed issue burial insurance policy or first-day partial coverage.

BURIAL INSURANCE FOR CIRCULATORY ISSUES

ABDOMINAL AORTIC ANEURYSM

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

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

Easiest Option: If your AAA surgery is very recent meaning less than one year ago, your easiest insurance option is to get a guaranteed issue burial insurance or first-day partial coverage.

ANEURYSM

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

Easiest Option: If your aneurysm surgery is less than one year, your easiest life insurance option is to get a guaranteed issue burial insurance or first-day partial coverage.

HIGH BLOOD PRESSURE

Best Option: 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.

HIGH CHOLESTEROL

Best Option: 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.

Easiest Option: If your high cholesterol was coupled with any heart disease or severe health condition, you would only qualify for guaranteed issue burial insurance or first-day partial 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 graded death benefit or partial-first day coverage.

Easiest Option: If you had angioplasty, bypass grafting, or stent implant within the last 12 months, your cheapest option is a guaranteed issue burial insurance or first-day partial coverage.

STROKE

Best Option: Some 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.

Easiest Option: If your last stroke was recent or within the previous 24 months, your easiest option is to get a guaranteed issue burial insurance or first-day partial coverage.

TIA MINI-STROKE

Best Option: 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.

Easiest Option: If you have other medical conditions and you’ve been hospitalized because of TIA, your easiest option for coverage is a guaranteed issue burial insurance or first-day partial coverage.

BURIAL INSURANCE IF YOU HAD HEART SURGERY

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

ANGIOPLASTY

Best Option: If your angioplasty were performed over 24 months ago without complications, some burial insurance companies would offer you level death benefit.

Easiest Option: If your angioplasty was within the last 24 months, your easiest life insurance option is a guaranteed issue burial insurance or first-day partial coverage.

CIRCULATORY SURGERY

Best Option: Insurance companies will require anywhere from 24 months to two years to pass before they offer you level death benefit with first-day coverage.

Easiest Option: If your circulatory surgery was within the past 24 months, your only option for coverage is a guaranteed issue burial insurance or first-day partial coverage.

DEFIBRILLATOR

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

Easiest Option: If you had a defibrillator implant within the last year, your best option for coverage is a guaranteed issue life insurance.

HEART BYPASS

Best Option: 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.

Easiest Option: If you have a heart bypass surgery within the past 24 months, a guaranteed issue burial insurance plan is your easiest life insurance option or first-day partial coverage.

HEART SURGERY

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

Easiest Option: If your heart surgery is very recent or less than 24 months, your easiest insurance option is a guaranteed issue burial insurance or first-day partial coverage.

HEART TRANSPLANT

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

HEART VALVE SURGERY

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

Easiest Option: If your heart valve surgery was within the last 24 months, your easiest option is to get a guaranteed issue burial insurance policy or first-day partial coverage.

PACEMAKER IMPLANT

Best Option: 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.

Easiest Option:  If you had a pacemaker implant within the last 24 months, you would only qualify for guaranteed issue burial insurance policy or first-day partial coverage.

STENT IMPLANT

Best Option: 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.

Easiest Option: If your stent implant is very recent or less than two years, your easiest option for life insurance coverage is a guaranteed issue burial insurance or first-day partial coverage.


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.

If you have a health history of heart disease or circulatory issues, 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 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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