Burial Insurance with a Heart Murmur

Finding affordable burial insurance with a heart murmur is going to be easier than you think. A heart murmur doesn’t necessarily make you a high-risk applicant for life insurance.

You can even be eligible for a first-day coverage plan with the lowest rate if you don’t have other major health issues.

If you’re in the market for burial insurance with a heart murmur, keep reading as we examine what policy options are open for you, and how you can purchase the best burial insurance with a heart murmur.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF HEART MURMUR?

Some murmurs are not a cause for alarm, but some heart murmurs can be a symptom of serious health conditions.

Your approval and the type of policy you will qualify will depend on:

  • What type of heart murmur you have (functional or organic)
  • Your date of diagnosis
  • What kind of treatment you have received
  • Medications prescribed


FUNCTIONAL HEART MURMUR

A functional heart murmur is not a serious condition to the insurance companies because it does not indicate any serious problems with the heart. A functional heart murmur does not have any symptoms and does not require medication.

If you have a functional heart murmur that is not a result of another heart condition, you can expect to receive a level death benefit plan with the lowest premium. 

A level death benefit offers first-day coverage without a waiting period. Your beneficiary will receive 100% of your death benefit when you pass away.

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


ORGANIC HEART MURMUR

An organic heart murmur is due to heart disease or congenital heart problems. It often has symptoms and can indicate more severe problems such as a damaged heart valve, angina, palpitation, or shortness of breath.

Life insurance companies often overlook functional heart murmurs while an organic heart murmur can be a concern. The underlying heart problem causing the murmur will have a major impact on your premiums, not the murmur itself.

If you had a heart murmur when you were a child, but it is no longer detectable, the insurance company will not count your childhood heart murmur against you.

If you have an organic heart murmur and have been hospitalized in the last 24 months because of heart issues, then guaranteed issue policy is our preferred option for coverage because they ask no health questions at all.

Guaranteed issue life insurance has a two-year waiting period, but if you pass away during the first two years as a result of any medical issue, your beneficiary will get the return of premiums you paid plus 10% interest.

Best Option: Guaranteed issue burial insurance


HEART MURMUR DIAGNOSIS AND TREATMENT (ANGIOPLASTY OR STENT IMPLANT)

Heart murmur diagnosis and treatment over two years

If your heart murmur diagnosis and treatment is was over 2 years you will have the best and lowest priced options available. Burial insurance companies will offer you a level death benefit plan with first-day coverage at the lowest possible premium. 

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


Hear murmur diagnosis and treatment for more than one year

If your heart murmur diagnosis and treatment is over one year, your best option is a first-day benefit plan.

No insurance company would offer you first-day coverage if your heart murmur treatment (angioplasty or stent implant) were within the last year.

The first-day benefit plan will cover you from the first day and your death benefit will be phased in over time.

Best Option: First-day benefit plan


Heart murmur diagnosis and treatment within 12 months

If your heart murmur treatment is very recent or within the last 12 months it will be impossible for you to qualify for a level death benefit plan. A guaranteed issue life insurance plan is your best life insurance option.

Guaranteed issue life insurance policies don’t require heart murmur applicants to take a medical exam or answer health questions in order to qualify. If you’re a U.S. citizen and you are between the ages of 50-85, you can qualify for a guaranteed issue life insurance

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 MURMUR, 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 a heart murmur.

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 MURMUR

When applying for insurance coverage, the insurance company will review your health condition to determine how much to charge you for coverage.

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

Every burial insurance company that has an underwriting process that will ask health-related questions (except for guaranteed burial insurance which asks no health questions).

It’s a very rare occasion when an insurance carrier will specifically ask about heart murmur in their health questions.

Most life insurance carriers do not care about heart murmur only the underlying health conditions caused by it and its treatments. If they ask about the heart murmur, you will see them asked this way:

  • In the last 24 months, have you been diagnosed or treated for a heart murmur?
  • Within the past 2 years have you had or been diagnosed with angina (chest pain) heart attack or any type of heart or circulatory surgery?
  • Have you been diagnosed with or has been hospitalized for angina, heart attack, heart or circulatory surgery including pacemaker, heart valve replacement, angioplasty, stent implant, or any procedure to improve circulation to the heart?


PRESCRIPTION HISTORY CHECK

Burial insurance companies will electronically check your prescription history to check your medication for a heart murmur and other medical conditions. They will be able to verify your health and heart murmur diagnosis based on your medications.

Common medications for a heart murmur include:

  • Aspirin
  • Coumadin
  • Clopidogrel (Plavix)
  • Water pills (Diuretics)
  • Angiotensin-converting enzyme (ACE) inhibitors (Lisinopril)
  • Statins – Simvastatin (Zocor)
  • Beta-Blockers – Metoprolol (Lopressor, Toprol-XL)

If you are taking any of these prescription drugs because of your heart murmur, expect that some burial insurance carriers will consider you a heart murmur patient. Don’t worry, if you’re taking any of these drugs, these drugs should still make you insurable depending on the condition of your heart murmur.

We have burial insurance carriers that do not mind if you’re taking any of these medications. They will still issue a policy to you regardless of your condition.


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

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 MURMUR 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 MURMUR

When applying for life insurance with a heart murmur, we will ask you some questions about your health condition to make sure you will be applying with the best company.

Answer each question honestly to help us determine what policy is right for your medical condition. Every life insurance carrier looks at heart murmur differently and choosing the right one can save you considerable time and money.

Here are some qualifying questions we will ask you:

  1. When did you get your initial heart murmur diagnosis?
  2. How long have you been having heart murmur?
  3. Do you have any symptoms of heart disease?
  4. What caused your heart murmur?
  5. Did you have any heart surgeries within the last 24 months as heart murmur treatment?
  6. Have you ever experienced a heart attack, a stroke, or been diagnosed with diabetes?
  7. Do you suffer from heart failure or coronary artery disease?
  8. Are you taking prescription medications due to a heart murmur?
  9. Have you ever been hospitalized due to a heart murmur?

Please provide more information about your heart condition. Once we have your information, we can shop your case with multiple insurance carriers to find the best company offering the best price.


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 A HEART MURMUR

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

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

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.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy with pre existing heart conditions 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 murmur funeral insurance, or heart murmur burial insurance, or heart murmur life insurance, we can help. Answer our quote form on this page or call us at (888) 862-9456 and we can give you an accurate quote.

Funeral Insurance, Final Expense Insurance, Burial Insurance With A Hear Murmur Infographic

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