If you are looking for affordable burial insurance with a heart infection or endocarditis, we can help. Instead of trying to figure out what type of final expense insurance you will be eligible for, let us do the hard work for you.
We can find you funeral of finale expense life insurance with a heart infection or endocarditis! We will match you with the life insurance company offering the most coverage at the lowest price.
If you had a hard time finding life insurance with heart infection or endocarditis, don’t worry. Within a few minutes, you will have a complete picture of how to get the best plan.
Getting burial insurance with heart infections is possible, and it may be more affordable than you might think. No matter when you had your last heart infection, there are options available for you.
In this article, we will show you how you can also find and purchase affordable burial insurance with a heart infection or endocarditis. peripheral vascular disease or peripheral artery disease.
CAN YOU QUALIFY FOR LIFE INSURANCE IF YOU HAVE HEART INFECTION?
YES. It is possible to get burial insurance if you’re diagnosed with heart infection or endocarditis.
You’ will likely be approved for burial insurance with endocarditis if you apply with the right company.
Heart infections may cause problems in the future, but if you took care of your infection immediately with antibiotics, there would be no permanent damage to the heart.
The most important factor that will determine how burial insurance companies will respond to your application is the time that lapse since your last heart infection. If you had your last heart infection over one year ago, you essentially have nothing to worry about.
We work with insurance companies that will give you full death benefit at the lowest rate possible. You would be treated as if you did not have the heart infection in your life!
However, if you have had heart infection recently (less than 12 months), you will have to pay a little bit more and have a short waiting period. No insurance company will issue a full immediate benefit if your heart infection is very recent. It is a fact you need to accept, unfortunately.
If you had been denied insurance coverage in the past because of heart infection, you don’t need to worry. No medical exam burial insurance plan makes it easy for you to get insurance coverage fast. You can be covered regardless of your heart infection.
The application process is quick and more straightforward because you will not have to take a medical exam to be eligible for a burial insurance policy. And, you will not need to provide medical records either. You will only need to answer a few health questions.
WHY DO BURIAL INSURANCE COMPANIES CARE IF YOU HAVE HEART INFECTION
The insurance companies know that a heart infection (endocarditis) is an infection of the valves or inner lining of the heart. In some cases, this lining becomes infected by bacteria or fungi that settle in the heart from other parts of the body. This happens when bacteria get into the bloodstream and live inside the heart valve.
Life insurance companies don’t care about every infection you’ve had, but they are very particular about heart infection. Endocarditis can damage your heart. It needs to be treated immediately if left untreated, heart infection can be deadly and may lead to an early death.
Heart infection life insurance is considered to be high-risk life insurance. Your risk is even higher if you have a problem with your blood flow because the blood flow problem makes it more likely for the bacteria to attach to heart tissue.
Some other factors raise your risk of having bacteria or fungi enter your bloodstream. You have a higher risk of heart infection if you have:
- Had heart infection in the past
- You have an implanted heart device such as defibrillator or pacemaker
- You have a congenital heart defect
- You’re undergoing a dialysis
- You have an abnormal or damaged heart valves
- You have an artificial heart valve
- You injected illegal drugs using dirty needles
- You have HIV
Life insurance companies care about heart infection because it can lead to more severe problems such as:
Funeral Funds has helped many clients with endocarditis secure burial insurance, and we can help you too. If you have any of these heart conditions:
- Heart attack
- Congestive heart failure
- Atrial fibrillation
- Irregular heart rhythms or Arrhythmias
- An abscess in the heart
- Heart valve surgery
- Infections in other organs such as the brain, lungs or kidneys
A heart infection is a serious condition, if left untreated quickly can be life-threatening. Most patients recover well with antibiotic treatment if the condition is identified and treated immediately. However, some people have damage to the heart valves as a result of heart infection, which may require surgery to correct.
Because heart infection can be a severe condition which can potentially damage your heart valves and other blood vessels, insurance companies always consider those who heart infections as a higher risk applicant when reviewing their application.
Additionally, if you are now suffering from a permanent heart murmur due to your heart infection, this will also be taken into account and may further complicate your life insurance application.
The further back your last heart infection the better it is for you because it means that your current health is stable and less risky for the insurance company. Heart infection can be a serious condition, but you’ll still qualify for burial or cremation life insurance.
WHAT INFORMATION DO WE NEED IF YOU HAVE HEART INFECTION
When you’re applying for burial insurance, we will gather some details about your health condition so we can determine what plan is right for you.
Common questions we like to ask about your heart infection will include:
- When were you first diagnosed with heart infection?
- How many times have you suffered from heart infection?
- What was the cause of your endocarditis or heart infection?
- Did you have any heart problems before heart infection?
- Do you have any heart condition which may cause you to contact heart infection?
- What was your treatment for heart infection?
- How long did you require treatment?
- Have you been hospitalized because of heart infection?
- Have you felt any symptoms of a heart infection in the last six months?
- Do you have any lingering effects from your heart infection?
- Do you currently have a heart murmur?
- Do you have a history of illegal drug use?
These questions will help us determine the status of your heart infection and what company is best for your medical condition.
UNDERWRITING BURIAL INSURANCE WITH HEART INFECTION
Every burial insurance company that has underwriting (meaning they ask health questions) will want to know about heart infection in some way. They will use health questions, and they will also be on the lookout for certain medications.
It is important to respond to the health questions honestly. When it comes to a heart infection, the questions will always appear this way:
- Have you been diagnosed or been treated for heart infection (endocarditis) within the last two years?
- Have you been diagnosed or been treated for heart infection (endocarditis) within the last two years?
In most cases, final expense companies will ask about heart infections within the last two years. However, there are a few that only look back one year on heart infection.
PRESCRIPTION HISTORY CHECK
Life insurance companies will verify your health condition based on the medications you take. Because bacteria cause most heart infections, medications will typically center on the use of antibiotics which will mostly require 4-6 weeks of intravenous treatments.
There are very few prescription medications that would specifically suggest a person had a heart infection. In most cases, patients are given antibiotics for situations other than heart infection.
Here’s a list of common medications for heart infection:
The insurance companies will electronically analyze your prescription history. If you were prescribed these drugs, it would suggest to some companies that you have a heart infection when you start filling it.
Even though you are taking any of these drugs for your heart infection, you will still be insurable. It will not affect your burial insurance eligibility. We have burial insurance companies that do not mind if you are taking any of these drugs. They will still issue a plan regardless of whatever prescription combination you take.
OTHER FACTORS CONSIDERED IN UNDERWRITING
WHAT IF I HAVE HAD MULTIPLE HEART INFECTIONS?
Multiple heart infections can cause heart failure. There is a higher risk of severe heart damage after each episode. You will not qualify for immediate coverage if you have multiple episodes of a heart infection or you’ve been hospitalized recently because of it. No insurance company will offer immediate coverage for this condition.
Guaranteed issue burial insurance is your best bet if you have multiple heart infection or a more severe form of heart disease.
BURIAL INSURANCE, HEART INFECTION, AND SMOKING
If you use tobacco products, your life insurance premiums will be twice as much as those of non-smokers. It is because smokers are more at risk for heart diseases and premature death. According to the Centers for Disease Control and Prevention (CDC), the overall mortality for people who use tobacco products is about three times higher than those who never use it.
POLICY OPTIONS IF YOU HAVE A HEART INFECTION
LEVEL DEATH BENEFIT
The level death benefit is simplified issue burial insurance with immediate coverage. If your last heart infection episode were more than 12 months ago, you would qualify for this plan. It is less expensive than guaranteed issue burial insurance.
This plan does not have a waiting period, and your beneficiaries will receive a 100% death benefit when you pass away.
GUARANTEED ISSUE BURIAL INSURANCE
This is a no-exam, no health question policy. You just need to be a U.S. citizen between the ages of 50-85 to qualify. Your approval is guaranteed regardless of your medical condition.
If your heart infection is less than 12 months, guaranteed acceptance life insurance is your only option. This is your next best choice if you cannot qualify for a level death benefit.
Guaranteed issue burial insurance is issued regardless of your recent heart infection. It will cost 30% more than a plan with health questions, but it will provide the protection you need for your family.
There is a two-year graded period before guaranteed issue policy will pay out for a natural cause of death. If you pass away during the waiting period, the company will refund all the premiums you paid plus interest which is typically 10%.
WHAT TO EXPECT IF YOU HAVE A HEART INFECTION
When you were diagnosed or had an episode of heart infection makes a dramatic difference in what type of burial insurance you will qualify for. Regardless of the time since your last heart infection, you need to know which burial insurance policy will be the best and cheapest for you.
If Your Heart Infection Was Over 24 Months Ago
If your heart infection were over two years ago, burial insurance companies would treat you like you are completely healthy. You will qualify for level death benefit with immediate coverage from day one. You will also pay the lowest rate possible for most insurance companies. You will also have the option to choose which insurance company will offer you the cheapest price.
If Your Heart Infection Was Over 12 Months Ago But Within The Last 24 Months
In this situation, some burial insurance companies will only ask about heart infection in the last 12 months. If your last heart infection episode is over one year, we could get you approved for a level death benefit. We work with insurance companies that will offer immediate coverage with no waiting period.
If Your Heart Infection Was Within The Last 12 Months
If you just had a heart infection and you want to purchase life insurance right away, you cannot avoid paying a little more and having a waiting period. A guaranteed issue no-medical exam, no health question is your best chance of getting a policy if you had a very recent heart infection (12 months or less).
WHY DO YOU NEED GUARANTEED ISSUE BURIAL INSURANCE IF YOU HAD A HEART ATTACK?
If you recently had a heart infection, we do not recommend you to postpone your burial insurance application and wait until one year had passed. Instead, it is better to apply for a guaranteed issue burial insurance now because we never know what will happen tomorrow.
You could develop other health problems like a heart murmur or arrhythmia. Your doctor may also prescribe new medication that the life insurance companies are in the lookout for. Any future health condition arising from your heart infection may prevent you from qualifying for immediate coverage.
Postponing your application until 12 months had passed is not a wise decision. Waiting one year to get a better option for burial insurance coverage will not do you any good.
When you compare funeral cost against not having coverage, you will find that guaranteed issue burial insurance premiums cost less than the financial burden of not having coverage at all.
If guaranteed issue policy is your only option for coverage, start the policy now and start working on the waiting period as soon as possible. Once one year had passed, we could apply you with a plan that covers you from the first day.
Features that you should avoid in many commonly advertised Guaranteed Issue life insurance on television or junk mail:
- Increasing premium – a real guaranteed issue life insurance has a fixed premium throughout the life of the policy.
- Policy termination at age 80 – guaranteed issue life insurance is whole life insurance that lasts your whole life.
- 3-year waiting period – the best-guaranteed issue life insurance has a two year waiting period only. Avoid this at all cost.
For this reason, it is crucial to work with an independent life insurance agency like Funeral Funds that have access to multiple life insurance companies offering a guaranteed issue policy.
WHAT IF I DON’T QUALIFY FOR LIFE INSURANCE BECAUSE OF HEART INFECTION?
If one life insurance company declined you, it doesn’t mean others will.
If you’ve been denied coverage in the past, contact us, and we’ll help you get approved for burial insurance. We specialize in helping people in the high-risk category. So whether you have a heart infection or any medical condition, we know what insurance companies offer the best rates.
If you have a heart infection and are ready to apply for life insurance, call us. We will help you.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with a heart infection 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 infection, 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 infection funeral insurance, or heart infection burial insurance, or heart infection life insurance, 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.