2024 Burial Insurance Heart Stent
last updated on April 3, 2024You can get affordable burial insurance with heart stent surgery. Most burial insurance companies only care about when you had your last stent implant.
The more time that has passed since your heart stent surgery, the better your insurance options.
In this article, we’ll look into what insurance companies look for, burial insurance underwriting, and how to find the most affordable burial insurance possible.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Heart Stent?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have a Heart Stent, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Heart Stent
- How Much Insurance Do I Need If I Have a Heart Stent?
- How Should I Pay My Premiums?
- Heart Stent and Burial Insurance Riders
- Information We Need if You Have Heart Stent
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Heart Stent
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance Heart Stent
What Is My Best Insurance Option If I Have A History Of Heart Stent?
YOUR HEART STENT SURGERY WAS OVER 2 YEARS NOW
If your surgery is over two 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. You will be treated like you never had a heart stent implant in the first place!
Best Option: Level death benefit plan with first-day coverage
YOUR HEART STENT SURGERY IS LESS THAN TWO YEARS AGO
If your heart stent surgery has been under 24 months, you will still qualify for burial insurance. Your best option is a first-day benefit plan. No insurance company would offer you first-day coverage if your heart stent surgery 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
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 Stent, 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 stent.
When you apply for burial insurance, you only have to answer 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 Stent
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:
A heart stent is a small metal mesh tube that is placed inside the coronary artery using a balloon catheter. A stent is often placed during percutaneous coronary intervention or cardiac angioplasty to treat narrowed coronary arteries of the heart.
There are a few questions that will determine your eligibility and premium cost. In most cases, burial insurance companies will ask about this in one of four ways.
Here are four questions that you will see on the application that asks about heart stent surgery:
- In the past 24 months, have you been advised to have surgery for heart disease?
- In the last two years, have you been prescribed to have surgery for circulation or blood clots in the heart or brain?
- In the last two years, have you been prescribed to have surgery for circulation or blood clots in the heart or brain?
- Have you been treated for heart or circulatory disorder in the past 24 months, other than for preventive or risk lowering?
If you have had heart stent surgery, you need to answer “yes” circulatory surgery questions.
PRESCRIPTION HISTORY CHECK:
After stent surgery, your doctor will often prescribe medications to help you heal and avoid future blood vessel blockage. Clopidogrel (Plavix®), prasugrel (Effient®), ticagrelor (Brilinta™), or aspirin (and multiple medications, in some cases) are some conventional medicines prescribed after heart surgery.
Most insurance companies won’t care about these medications if they are considered “maintenance” medications. The insurance company underwriters like to see you are on medications that will prevent health problems in the future. So, don’t feel down and out because you may be taking some of these medications.
Many insurance companies won’t care about your medications and will view your medication use favorably.
How Much Insurance Do I Need If I Have Heart Stent?
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 Stent 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 Heart Stent
When applying for final expense insurance with a heart stent, it is important to provide as much information as possible.
We will ask you a series of health questions to better understand your condition. These questions include:
- When was your first heart stent surgery?
- When was your last heart stent surgery?
- How many stents did you have?
- Have you had more than one heart stent surgery?
- Was your heart stent surgery a result of a heart attack?
- What medications have you been prescribed?
- Have you had any complications from your stent surgery?
- Have you been diagnosed with any other health or medical conditions?
We need to know your medical condition to be able to provide you with the best recommendation. The more information we get, the better our chances of finding affordable insurance coverage.
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 Stent
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with a heart stent
- Cremation insurance plan with a heart stent
- Funeral home insurance plan with a heart stent
- Final Expense insurance plan with a heart stent
- Prepaid funeral plan insurance with a heart stent
- Mortgage payment protection plan with a heart stent
- Mortgage payoff life insurance plan with a heart stent
- Deceased spouse’s income replacement plan with a heart stent
- Legacy insurance gift plan to family or loved ones with a heart stent
- Medical or doctor bill life insurance plan with a heart stent
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 or a heart stent needn’t be frustrating, but working with an independent agency like Funeral Funds will make the process easier and stress-free.
You don’t need to waste your precious time searching for different insurance companies; we will do the work for you. We can shop your case to different companies to get your application approved.
We work with many A-rated insurance companies that specialize in high-risk clients. We will search those companies and match you up with your best funeral and burial insurance option.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for funeral or burial insurance with heart stents in your medical history, 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 Heart Stent
Can you get life insurance if you have a heart stent?
Yes, you can get life insurance with a heart stent. You may even qualify for a first-day coverage plan if your stent implant has been two years or longer.
Is a heart stent implant considered surgery in life insurance?
Yes, a heart stent implant is considered surgery in life insurance. This means that the life insurance company may require you to wait a certain amount of time after your surgery before they will issue you a policy.
Do I need to tell insurance about my heart stent?
Yes, you will need to tell your life insurance company about your heart stent. This is because a heart stent is considered a pre-existing condition. Disclosure of this information is important so that the company can properly assess your risk and set the premiums for your policy accordingly.
Can a person with a heart stent get burial insurance?
Yes, a person with a heart stent can get burial insurance. In fact, many life insurance companies offer burial policies to people with pre-existing conditions such as heart stents.
Do I need to take a medical exam if I have a heart stent?
No, you do not need to take a medical exam if you have a heart stent.
Is there an age limit for burial insurance with a heart stent?
Most life insurance companies offer life insurance to 18-85 years old.
Can I get insurance if I have a heart stent and use blood thinners?
Yes, you can get insurance if you have a heart stent and use blood thinners. Your premiums may be a little higher than for someone who does not have a heart stent and does not use blood thinners, but you should still be able to find coverage.
Can you get first-day coverage insurance if you have a heart stent?
Yes, you can get first-day coverage insurance if you have a heart stent. In most cases, you will only be required to wait two years or longer after your implant surgery before you can qualify for this type of policy.
What are the things that may affect my eligibility if I have a heart stent?
A few things may affect your eligibility for life insurance if you have a heart stent. These include: why you had the stent implanted, how long you have had the stent, and whether you are taking blood thinners.
Is it harder to get life insurance if you have a heart stent?
It is not necessarily harder to get life insurance if you have a heart stent. However, you will need to disclose this information to the life insurance company so that they can properly assess your risk. This may result in higher premiums or a denial of coverage if it’s very recent.
What is the life expectancy after heart stent surgery?
The life expectancy after heart stent surgery varies depending on the individual. However, most people with a heart stent implanted should live long and healthy lives.
Which insurance is best for patients with heart stents?
There is no one-size-fits-all answer to this question. However, most life insurance companies will offer coverage to people with a heart stent. Shopping around and comparing policies to find the best deal for you is important.
Can I qualify for cremation insurance with a heart stent?
Yes, you can qualify for cremation insurance with a heart stent. In most cases, Funeral Funds will be able to find coverage from a life insurance company.
Is there a waiting period before I can get burial insurance if I have a heart stent?
There is no two-year waiting period if your stent procedure occurred more than two years ago.
How do you get life insurance after heart stent installation?
In most cases, you will need to wait a certain amount of time after your surgery before they will issue you a policy. This waiting period may vary depending on the life insurance company. You should contact a few companies and ask about their specific policies regarding heart stents.
What is my best insurance option if I have a heart stent?
There is no one-size-fits-all answer to this question. However, you should contact a few life insurance companies and ask about their policies for people with heart stents. This will help you find the best coverage for your needs.
Is heart stent installation fatal in life insurance?
No, heart stent installation is not fatal in life insurance. In most cases, you will be able to find coverage from a life insurance company.
What are the benefits of burial insurance for patients with heart stents?
There are several benefits of burial insurance for patients with heart stents. These include:
- Peace of mind knowing that your loved ones will be taken care of after you’re gone
- Coverage for all burial and funeral expenses
- No monthly premiums or fees
- Can be used to cover the cost of cremation or burial
- Can be used to cover other final expenses, such as estate taxes
Can you be denied insurance for a heart stent?
You will not be denied insurance for a heart stent in most cases. However, the life insurance company may charge you a higher premium or deny coverage if the stent is very recent. When applying for coverage, it is important to disclose this information to the company.
Is there a waiting period for life insurance with a heart stent?
There is typically a waiting period of two years before you can get life insurance with a heart stent. This waiting period may vary depending on the life insurance company. You should contact a few companies and ask about their specific policies.
Can heart stent use affect your life insurance rates?
Yes, heart stent use can affect your life insurance rates. The life insurance company will likely charge you a higher premium or deny coverage if the stent is very recent.
What are the premiums for burial insurance with a heart stent?
The premiums for burial insurance with a heart stent will vary depending on the life insurance company. However, most policies will be affordable and offer peace of mind to your loved ones.
What is the average cost of life insurance for someone with a heart stent?
The average cost of life insurance for someone with a heart stent will vary depending on the life insurance company. However, most policies will be affordable and offer peace of mind to your loved ones.
Can heart stent users get final expense insurance?
Yes, heart stent users can get final expense insurance. In most cases, you will be able to find coverage from a life insurance company.
Do I have to be retired to get life insurance with a heart stent?
No, you do not have to be retired to get life insurance with a heart stent.
Can heart stent use affect life insurance?
Yes, heart stent use can affect life insurance. The life insurance company will likely charge you a higher premium or deny coverage if the stent is very recent.
Can you be rejected for life insurance because of a heart stent?
In most cases, you will not be rejected for life insurance because of a heart stent. However, the life insurance company may charge you a higher premium or deny coverage if the stent is very recent. When applying for coverage, it is important to disclose this information to the company.
How can you get the best life insurance rates with a heart stent?
The best way to get the best life insurance rates with a heart stent is to contact our agents at Funeral Funds to price shop for you and get you the best plan with the lowest rate.
What is the best insurance option for people with heart stents?
The best insurance option for people with heart stents is a burial policy that offers coverage for all burial and funeral expenses.
What are the best life insurance companies for heart stents?
The best life insurance companies for heart stents vary depending on your needs and budget.
What are some tips for getting life insurance with a heart stent?
Some tips for getting life insurance with a heart stent include contacting our agents at Funeral Funds to price shop for you and get you the best plan with the lowest rate. You should also disclose any information about your health to the life insurance company when applying for coverage.
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