2024 Burial Insurance with a Heart Murmur
last updated on April 3, 2024Finding affordable burial insurance with a heart murmur will be easier than you think. A heart murmur doesn’t 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Heart Murmur, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have a Heart Murmur
- How Much Insurance Do I Need If I Have a Heart Murmur?
- How Should I Pay My Premiums?
- Heart Murmur and Burial Insurance Riders
- Information We Need if You Have a Heart Murmur
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with a Heart Murmur
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With A Heart Murmur
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 do you have (functional or organic)
- Your date of diagnosis
- What kind of treatment have you 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 does not result from 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 that 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 majorly impact 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 a 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 due to 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 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 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 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; 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 has an underwriting process that will ask health-related questions (except for guaranteed burial insurance which asks no health questions).
It’s a rare occasion when an insurance carrier specifically asks about heart murmur in their health questions.
Most life insurance carriers do not care about heart murmurs, 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 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 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 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 Murmur
When applying for life insurance with a heart murmur, we will ask you some questions about your health condition to ensure you will apply 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:
- When did you get your initial heart murmur diagnosis?
- How long have you been having heart murmur?
- Do you have any symptoms of heart disease?
- What caused your heart murmur?
- Did you have any heart surgeries within the last 24 months as heart murmur treatment?
- Have you ever experienced a heart attack, a stroke, or been diagnosed with diabetes?
- Do you suffer from heart failure or coronary artery disease?
- Are you taking prescription medications due to a heart murmur?
- 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 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 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?
Finding a policy with pre-existing heart conditions 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 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.
Additional Questions & Answers On Burial Insurance With A Heart Murmur
Can I get life insurance if I have a heart murmur?
The short answer is: Yes, you can get life insurance if you have a heart murmur. The plan you will qualify for will depend on the nature of your heart murmur and your diagnosis and treatment.
Is a heart murmur a pre-existing medical condition?
Yes, a heart murmur is a pre-existing medical condition. This means that your life insurance company can consider it when deciding whether to issue you a policy or not.
Is murmur considered heart disease?
No, a heart murmur is not considered heart disease. A heart murmur is a sound made by blood flowing through the heart that can indicate heart disease.
How long can you live with a heart murmur?
It depends on the nature of your heart murmur and your diagnosis and treatment. Some people with a heart murmur may live for many years, while others may have a more serious diagnosis and not live as long.
Can I get burial insurance if I have a heart murmur?
Yes, you can get burial insurance if you have a heart murmur. The plan you will qualify for will depend on the nature of your heart murmur and your diagnosis and treatment.
Is a heart murmur life-threatening?
No, a heart murmur is not life-threatening. However, it can indicate a more serious condition, such as heart disease, which can be life-threatening.
Can heart murmur be considered a critical illness in life insurance?
No, a heart murmur is not considered a critical illness in life insurance. A critical illness is defined as a sickness or injury that is severe enough to cause you to be unable to work for some time.
Can you get first-day coverage insurance if you have a heart murmur?
Yes, you can get first-day coverage insurance if you have a heart murmur.
Do I need to tell insurance about heart murmur?
Yes, you need to tell your life insurance company about your heart murmur. This is because a heart murmur is a pre-existing medical condition.
Can I qualify for cremation insurance with a history of a heart murmur?
Yes, you can qualify for cremation insurance with a history of a heart murmur. The plan you will qualify for will depend on the nature of your heart murmur and your diagnosis and treatment.
What are the things that may affect my eligibility if I have a heart murmur?
The things that may affect your eligibility if you have a heart murmur include the nature of your heart murmur, and your diagnosis and treatment.
What is my best insurance option if I have a heart murmur?
It depends on the nature of your heart murmur and your diagnosis and treatment. Some people with a heart murmur may qualify for first-day coverage insurance, while others may only qualify for a guaranteed issue life insurance if their treatment is less than one year.
Is heart murmur a pre-existing condition for life insurance?
Yes, a heart murmur is a pre-existing medical condition. This means that your life insurance company can consider it when deciding whether to issue you a policy or not.
Can I get final expense life insurance if I had a heart murmur?
Yes, you can get final expense life insurance if you have a heart murmur. The plan you will qualify for will depend on the nature of your heart murmur and your diagnosis and treatment.
Do I need to take a medical exam if I have a heart murmur?
No, you do not need to take a medical exam if you have a heart murmur. However, the life insurance company may require you to answer some health questions.
Can you be denied insurance for a heart murmur?
Yes, you can be denied insurance for a heart murmur. The life insurance company may decide not to issue you a policy because of a recent angioplasty or stent implant due to a heart murmur.
Is heart murmur fatal in life insurance?
No, a heart murmur is not fatal in life insurance. However, it can indicate a more serious condition, such as heart disease, which can be life-threatening.
What are the chances of me getting life insurance with a heart murmur?
Your chances of getting life insurance with a heart murmur will depend on the nature of your heart murmur, and your diagnosis and treatment.
Can I get cremation insurance if I have a heart murmur?
Yes, you can get cremation insurance if you have a heart murmur. You can qualify for a first-day coverage plan if your treatment has been two years or longer.
What is the average cost of life insurance for someone with a heart murmur?
The average cost of life insurance for someone with a heart murmur will depend on age, gender, location, and general health.
Is there a waiting period for life insurance with a heart murmur?
No, life insurance has no waiting period for a heart murmur.
What are some things to consider when choosing a burial policy with a heart murmur?
When choosing a burial policy with a heart murmur, some things to consider include the coverage amount, the waiting period, and the premiums.
Can heart murmur affect life insurance?
Yes, a heart murmur can affect your life insurance. The life insurance company may consider your diagnosis and treatment when deciding whether to issue you a policy or not.
Can you be rejected for life insurance because of a heart murmur?
Yes, you can be rejected for life insurance because of a heart murmur. The life insurance company may decide not to issue you a policy if you just had a recent angioplasty or stent to correct your heart murmur.
Can heart murmur affect your life insurance rates?
Yes, a heart murmur can affect your life insurance rates. The life insurance company may consider your diagnosis and treatment when setting your premiums.
Can heart murmur medication affect my premium??
Yes, heart murmur medications can affect your life insurance premium. The life insurance company may consider your medications when setting your premiums.
Is there an age limit for burial insurance with a heart murmur?
If you are 18-85 years old, you can apply for burial insurance even if you have a heart murmur.
What are some things to keep in mind when getting life insurance with a heart murmur?
When getting life insurance with a heart murmur, some things to keep in mind include the type of life insurance policy you are applying for, the coverage amount, and the premiums.
What are some tips for getting life insurance with a heart murmur?
Some tips for getting life insurance with a heart murmur include being honest about your condition, shopping around with an independent life insurance agent, and comparing quotes to get the best plan.
How can you get the best life insurance rates with a heart murmur?
You can get the best life insurance rates with a heart murmur by working with an independent life insurance agent who can price shop for you and recommend the best plan according to your needs.
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