Finding affordable burial insurance with heart murmur can be a lot easier than you think. A heart murmur doesn’t necessarily make you a high-risk applicant for life insurance. In fact, many life insurance companies will give you coverage with a heart murmur, even if a severe health condition causes your heart murmur.
If you have been declined for life insurance in the past due to your organic heart murmur, contact us. We specialize in high-risk burial life insurance, and we will help you find quality life insurance with a heart murmur. We will help you find the lowest priced policy that best fits your needs.
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.
CAN I GET BURIAL INSURANCE WITH A HEART MURMUR?
The good news about applying for burial insurance when you have a heart murmur is – YES, you can qualify for coverage!
Being diagnosed with a heart murmur isn’t going to disqualify you from qualifying for funeral life insurance. In fact, you can even be eligible for immediate coverage if you don’t have other health issues.
Some murmurs are not a cause for alarm, but some heart murmur can be a symptom of serious health condition. 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
Make sure and find an agent that will help you understand what life insurance carriers look for if you have a heart murmur.
And you know the best part about the best burial insurance plans?
You are not required to take a medical exam or provide blood and urine samples to qualify for burial insurance coverage. You will only have to answer a few basic questions about your health.
WHY DO INSURANCE COMPANIES CARE IF YOU HAVE HEART MURMUR?
A heart murmur is an abnormal sound that blood makes as it flows either to or from the heart muscle. Heart murmur by itself is not a disease, but it may indicate more serious heart problems. Because of that, the insurer may increase premium and impose a waiting period.
Insurance companies care most if your heart murmur is a sign of more severe heart problems as this could lead the insurer to pay out a claim early.
The functional heart murmur is completely innocent and does not indicate any serious problems with the heart. It does not have any symptoms and does not require medication.
An organic heart murmur is due to heart disease or congenital heart problem. It often has symptoms and can indicate more severe problems such as a damaged heart valve.
There are some remarkable differences between the two types of heart murmur and the type of burial insurance you can qualify heavily depends upon which type of heart murmur you have.
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.
Most applicants with an organic murmur with side effects like angina, palpitation or shortness of breath will qualify for a guaranteed issue life insurance policy. If you have compounding health issues like uncontrollable diabetes, angioplasty, stent implant, or if you’re a smoker, you will be declined for traditional life insurance. In this situation, we recommend getting a guaranteed issue life insurance.
WHAT INFORMATION DO WE NEED IF YOU HAVE 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 common questions about your heart murmur:
- When were you initially diagnosed with a heart murmur?
- How long have you been diagnosed with a heart murmur?
- What is the main cause of your heart murmur?
- Do you have any symptoms of heart disease?
- Have you had any heart surgeries in the past to treat your heart murmur?
- Do you have any other issues with your heart like coronary artery disease or heart failure?
- Have you had any diagnostic tests in the past 6 months to measure the condition of your heart?
- Have you ever experienced a heart attack, a stroke or been diagnosed with diabetes?
- Do you smoke? In the last 12 months have you used any form of tobacco or nicotine products?
- Are you taking any medications because of your heart murmur?
- Have you ever been hospitalized due to heart murmur?
Be sure to provide as much information as possible about your heart murmur. Once we have your information, we can shop your case with multiple insurance carriers to find the best company offering the best price.
UNDERWRITING BURIAL INSURANCE WITH A HEART MURMUR
When you apply for insurance coverage, the insurance company will review your health condition to determine how much to charge you for coverage. One of the most crucial determining factors is your health and any pre-existing conditions that you have.
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. If they ask about the heart murmur, you will see them asked this way:
– Have you ever been diagnosed or treated for a heart murmur?
– In the last 24 months, have you been diagnosed or treated for a heart murmur?
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:
- 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.
BURIAL INSURANCE WITH A HEART MURMUR
LEVEL DEATH BENEFIT
Your eligibility for life insurance depends on which type of heart murmur you have. If your heart murmur is innocent or functional, you should qualify for a level death benefit as if you had no murmur at all.
Functional heart murmur on its own will not create an issue unless you have other health conditions that may prevent you from qualifying for immediate coverage. The most important thing is, to be honest about your health conditions.
If you have a functional heart murmur which is not a result of another heart condition, you can expect to receive immediate coverage with the lowest premium. Level death benefit has first-day coverage without a waiting period. Your beneficiary will receive 100% of your death benefit when you pass away.
Recommendation – Level Death Benefit
GUARANTEED ISSUE BURIAL INSURANCE
If your heart murmur is organic or a result of a weak or failing heart valve or because of an artificial heart valve that is not performing correctly, then you will qualify for a graded death benefit.
If you have experienced heart complications or hospitalization because of a heart murmur or any heart issues, you will be classified as a high-risk patient. In this case, you will only qualify for guaranteed issue burial insurance. This plan is your best option for coverage if you cannot qualify for a level death benefit.
Applying for guaranteed acceptance life insurance is easy and straightforward because it does not require a medical exam and it does not ask about your health condition. You will qualify for this plan even if you have an organic heart murmur or other health conditions.
Whatever happens, as long as you pay your premiums, your beneficiary is sure to receive a cash payout when you pass away. You can get guaranteed issue life insurance if you meet the minimum age requirement which is 50 to 85 years old and the policy is available in your state.
Many life insurance companies offer guaranteed acceptance for people with a heart murmur and those with severe medical conditions. The only difference between each insurance company is the amount of premium and the length of the waiting period.
Recommendation – Guaranteed Issue Burial Insurance
If you have an organic heart murmur and have been hospitalized in the last 24 months because of heart issues, then GI policy is our preferred option for coverage because they ask no health questions at all.
Since you had a significant health condition in the last 24 months, some insurers cater to higher risk applicant who has poor health. Your application will be easy because you will not have to take a medical exam or answer health questions.
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.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with a heart murmur 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 a heart murmur, 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 murmur funeral insurance, or heart murmur burial insurance, or heart murmur 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.