Burial Insurance with Heart Infection or Endocarditis

Burial Insurance with Heart Infection or Endocarditis

Getting burial insurance with a heart infection or endocarditis 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 qualifying for burial insurance with heart infection will work. We will also show you how to purchase the best plan at the cheapest rate.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF HEART INFECTION OR ENDOCARDITIS?

When you were diagnosed or had an episode of heart infection and treatment makes a dramatic difference in what type of burial insurance you will qualify for. The more time that has passed since your last heart infection, the better it is for you because it means that your current health is stable and you are less risky to the insurance company.

Regardless of the time since your last heart infection, there is a burial insurance plan for you.


IF YOUR HEART INFECTION DIAGNOSIS AND TREATMENT WAS OVER 24 MONTHS AGO

If your heart infection diagnosis and treatment were over two years ago, burial insurance companies will treat you like you are completely healthy. You will qualify for a level death benefit plan with first-day coverage from day one. You will also pay the lowest rate possible for most insurance companies.

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


IF YOUR HEART INFECTION DIAGNOSIS AND TREATMENT WERE OVER 12 MONTHS AGO

In this situation, some burial insurance companies will only ask about heart infection diagnosis and treatment in the last 12 months. If your last heart infection episode is over one year, we may get you approved for a first-day benefit plan.

With 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


IF YOUR HEART INFECTION DIAGNOSIS AND TREATMENT WERE 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).

Basically, if you die during the first two years of the policy, the company will refund 110% of your premiums to your beneficiary. After the two years is up, your death benefit is available in full.

Best Option: Guaranteed issue burial insurance


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 first-day coverage if you have multiple episodes of a heart infection or you’ve been hospitalized recently because of it. No insurance company will offer first-day coverage for this condition.

Guaranteed issue burial insurance is your best bet if you have multiple heart infections or a more severe form of heart disease.

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 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 HEART INFECTION, 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 infection or endocarditis.

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 HEART INFECTION

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 with underwriting (those that ask health questions in the application) need to understand your heart infection. They use health questionnaires, and they are very particular about specific medications.

It is important to answer the health questionnaire honestly. You may find heart infection, asked this way:

  • Have you been ever been diagnosed or treated for heart infection (endocarditis) within the previous 24 months?
  • Were you diagnosed or treated for heart infection (endocarditis) in the past two years?

Most final expense insurance carriers inquire about heart infections for the previous 24 months. However, a handful of them only have a one-year lookback period on heart infection.


PRESCRIPTION HISTORY CHECK

Burial insurance carriers 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.

Only a few medications would indicate that a patient had a heart infection. Most of the time patients are given antibiotics for other medical conditions.

Here’s a list of common medications for heart infection:

  • Ampicillin
  • Ancef
  • Cefazolin
  • Ceftazidime
  • Ceftriaxone
  • Cubicin
  • Daptomycin
  • Flagyl
  • Garamycin
  • Gentamicin
  • Metronidazole
  • Rifadin
  • Rifampin
  • Vancocin
  • Vancomycin

The insurance carriers electronically review your prescription history. If you are taking these drugs, it would appear to some insurance companies that you have been diagnosed with a heart infection (now or in the past).

Even though you are taking 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 don’t care if you are taking any of these drugs. They will still offer you a policy regardless of whatever prescription combination you have been prescribed.


HOW MUCH INSURANCE DO I NEED IF I HAVE A HEART INFECTION?

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 INFECTION 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 HEART INFECTION

When you’re applying for burial insurance, we will gather some details about your health condition for us to determine what plan is right for you.

Common questions we like to ask about your heart infection will include:

  1. When were you first diagnosed with a heart infection?
  2. How many times have you suffered from a heart infection?
  3. What was the cause of your endocarditis or heart infection?
  4. Did you have any heart problems before heart infection?
  5. Do you have any heart condition which may cause you to contact heart infection?
  6. What was your treatment for heart infection?
  7. How long did you require treatment?
  8. Have you been hospitalized because of a heart infection?
  9. Have you felt any symptoms of a heart infection in the last six months?
  10. Do you have any lingering effects from your heart infection?

These questions will help us determine the status of your heart infection and what company is best for your medical condition.


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 INFECTION

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

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

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.


WHAT IF I DON’T QUALIFY FOR LIFE INSURANCE BECAUSE OF A HEART INFECTION?

If one life insurance company declines 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.

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 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 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.

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