2024 Burial Insurance with Heart Infection or Endocarditis
last updated on March 25, 2024Getting burial insurance with a heart infection or endocarditis is possible and may be more affordable than you think.
No matter when you had your last heart infection, options are available.
This article 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have a Heart Infection, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have a Heart Infection
- How Much Insurance Do I Need If I Have a Heart Infection?
- How Should I Pay My Premiums?
- Heart Infection and Burial Insurance Riders
- Information We Need if You Have a Heart Infection
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Heart Infection
- What If I Don’t Qualify for Life Insurance Because of a Heart Infection?
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance With Heart Infection Or Endocarditis
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, treatment dramatically determines 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 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 want to purchase life insurance immediately, 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 AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| 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; 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 only has 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 take any 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 services | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| Non-declinable basic services fee | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Cremation fee (if firm uses a third-party crematory) | $368 |
| Cremation Casket | $1,310 |
| Urn | $295 |
| Median Cost of a Funeral with Viewing and Cremation | $6,970 |
| Rental Casket | $995 |
| Alternate Cremation Container | $150 |
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.
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 others 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-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You Have A Heart Infection
When you’re applying for burial insurance, we will gather details about your health condition to 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 a heart infection?
- How many times have you suffered from a heart infection?
- What was the cause of your endocarditis or heart infection?
- Did you have any heart problems before your heart infection?
- Do you have any heart condition which may cause you to contract heart infection?
- What was your treatment for heart infection?
- How long did you require treatment?
- Have you been hospitalized because of a 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?
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 is 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 if 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.
Call us if you have a heart infection and are ready to apply for life insurance. We will help you.
How Can Funeral Funds Help Me?
Finding a policy with a heart infection needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the dirty work for you.
We work with many A+ rated insurance carriers that specialize 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, 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.
Additional Questions & Answers On Burial Insurance With Heart Infection Or Endocarditis
Can you get life insurance with heart infection or endocarditis?
Yes, you can get life insurance with heart infections or endocarditis. You may even qualify for a first-day coverage plan if your heart infection diagnosis and treatment have been over two years.
What is considered heart infection for life insurance?
There are many types of heart infections, but the most common is endocarditis. It is an infection of the inner lining of your heart (endocardium).
What qualifies as a heart infection?
The most common type of heart infection is endocarditis. It is an infection of the inner lining of your heart (endocardium). It can also involve your heart valves. Other less common types include myocarditis (infection of the muscle tissue), pericarditis (infection of the sac around your heart), and infective cardiomyopathy (infection of the heart muscle).
Is heart infection considered heart disease for life insurance?
Yes, heart infection is considered heart disease for life insurance purposes.
Is heart infection a pre-existing condition for life insurance?
No, heart infection is not a pre-existing condition for life insurance.
What if I have had heart surgery for my heart infection?
If you have had heart surgery for your heart infection, you may still be able to get life insurance.
What is pre-existing heart condition?
A pre-existing heart condition is a condition you have been diagnosed with or treated for before applying for life insurance.
Can I get life insurance if I have a heart condition?
Yes, you can get life insurance if you have a heart condition. You may even qualify for a first-day coverage plan if your heart infection diagnosis and treatment have been longer than two years.
Do I need to take a medical exam if I have a heart infection?
No, you do not need to take a medical exam if you have a heart infection.
Is there an age limit for burial insurance with endocarditis?
No, there is no age limit for burial insurance with endocarditis.
Can you get first-day coverage insurance if you have a heart infection?
Yes, you can get first-day coverage insurance if you have a heart infection.
Is heart infection a critical illness?
No, heart infection is not a critical illness.
Can I get burial insurance with endocarditis?
Yes, you can get burial insurance with endocarditis. You may even qualify for a first-day coverage plan if your heart infection diagnosis and treatment have been over two years.
What is the waiting period for life insurance with endocarditis?
The waiting period for life insurance with endocarditis is two years. Most insurance companies will require you to be over endocarditis treatment for two years before they offer a first-day coverage plan.
Do I need to tell insurance about a heart infection?
Yes, you need to tell insurance about a heart infection.
Can heart infection affect life insurance?
Yes, heart infection can affect life insurance. Your premium may be higher than someone without a heart condition, but you can still get coverage.
What are the chances of getting life insurance with a heart infection?
Your chances of getting life insurance with a heart infection are good. You may even qualify for a first-day coverage plan if your heart infection diagnosis and treatment have been over two years.
Can I get insurance after a heart infection treatment?
Yes, you can often get insurance after a heart infection treatment. If your heart infection treatment has been over two years, you will often qualify for a first-day coverage plan without a waiting period.
Can I qualify for cremation insurance with a history of heart infection?
Yes, you can qualify for cremation insurance with a history of heart infection.
Is it hard to get approved for life insurance if you have a heart infection?
No, getting approved for life insurance is not hard if you have a heart infection. There are several insurance options if you have a heart infection.
What is my best insurance option if I have endocarditis?
Your best insurance option if you have endocarditis is a first-day coverage plan.
Can heart infection medication affect my premium?
Yes, heart infection medication can affect your premium. Your insurance company will consider the type of medication you are taking and how well it works to control your condition.
Is there a waiting period for life insurance with heart infection?
Yes, there is a waiting period for life insurance if the heart infection results in a surgery. The waiting period is typically two years, but it can vary by the insurance company.
Is heart infection a death sentence?
No, heart infection is not a death sentence. With proper treatment, most people with this condition can live a long and healthy life.
Is heart infection an example of chronic disease?
No, heart infection is not an example of a chronic disease.
What are the things that may affect my eligibility if I have a heart infection?
The things that may affect your eligibility if you have a heart infection are the severity of your condition, how well it is controlled by medication, treatment, and how long ago you finished the treatment.
Can you be denied insurance for a heart infection?
Yes, you can be denied insurance for a heart infection. You may be denied coverage if you have a severe condition that is not well controlled by medication, treatment, or both.
Is heart infection a disability?
No, heart infection is not a disability.
Is heart infection fatal in life insurance?
Yes, heart infection can be fatal in life insurance. You may be denied first-day coverage insurance if you have a severe case that is not well controlled by medication or treatment.
Can heart infection patients get final expense insurance?
Yes, heart infection patients can get final expense insurance.
What is the average cost of life insurance for someone with a heart infection?
The average cost of life insurance for someone with a heart infection varies depending on your age, gender, coverage amount, and health.
Can you get life insurance after heart infection treatment?
Yes, you can get life insurance after heart infection treatment. You may even qualify for a first-day coverage plan if your heart infection diagnosis and treatment have been over two years.
Why would I get turned down for life insurance if I have a heart infection?
You may be denied first-day coverage insurance if you have a severe case that is not well controlled by medication or treatment.
What are some things to consider when choosing a burial policy with heart infection?
Some things to consider when choosing a burial policy with heart infection are the coverage amount, waiting period, and whether or not the policy covers final expenses.
How can you get the best life insurance rates with heart infection?
The best way to get the best life insurance rates with a heart infection is to work with a qualified insurance agent who can compare quotes from different companies and recommend the best plan with the lowest rates.
I have a heart infection, what are my options for life insurance?
Your best insurance option if you have endocarditis is a first-day coverage plan. If your treatment has been longer than 12 months but less than two years, you can qualify for a first-day benefit plan. A current diagnosis and treatment will qualify you for guaranteed issue life insurance.
What are some tips for getting life insurance with a heart infection?
Some tips for getting life insurance with a heart infection are to work with a qualified agent to compare quotes from different companies and choose a policy with a first-day coverage plan.
What is the best way to shop for life insurance with a heart infection?
The best way to shop for life insurance with a heart infection is to work with a qualified agent who can compare quotes from different companies and help you choose the best policy for your needs.
What happens when a person with a heart infection dies?
If a person with a heart infection dies, their life insurance policy will pay out the death benefit to the named beneficiaries. The death benefit can cover final expenses, such as funeral and burial costs.
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