Have you been told that you won’t qualify for burial insurance with heart stent surgery? Or have you been approved for high-risk life insurance but the rates are unreasonably high? Especially with heart stent surgery, it may seem as though the policies you can qualify are excessively priced with unusually poor terms.
With more than 600,000 new stent surgeries performed each and every year in the United States, the life insurance industry has taken notice of these statistics, and they have made it easier and more affordable for people with heart stents to purchase life insurance.
Fortunately with the technology available today, heart stent is a safe and effective method of actively prolonging a person’s life, and it helps to reduce the risk of further heart issues. Because of this, all life insurance companies will usually offer some form of life insurance coverage.
Many folks looking for burial insurance with a heart stent feel this insurance will cost an arm and a leg. Don’t worry; there are many options available if you are looking for burial insurance heart stent eligibility.
IMPORTANT – You don’t have to settle for those subpar burial policies you see advertised on television and in magazines when shopping for burial insurance heart stent policy eligibility.
All burial insurance companies look at specific health situations and medical concerns differently. Most folks don’t have the time or the patience to shop around with 20+ different burial insurance companies to find which plan is best for them.
The key is to look for companies that will view your heart stent medical history most favorably. Those companies that look at your heart stent surgery more favorably will give you the best rates, without requiring long waiting periods for your coverage to start.
We have loads of satisfied clients who were approved for an affordable plan in spite of their heart stent surgery. Do not be concerned with your past life insurance experience because we at Funeral Funds will show you how we have helped other people with the same condition.
In this article, we’ll explore everything related to getting burial insurance after having a heart stent surgery. We will 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 HEART STENT SURGERY?
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. These arteries may be narrowed due to blockages by a buildup of plaque or fatty deposits that develop over time.
Surgeons perform angioplasty to reopen the arteries and clear the blockage. A stent is inserted in narrowed or clogged arteries to prop open the artery after obstruction.
The stents help prevent the arteries from closing up again. Stents increase blood flow to the heart and reduce the chance of future blood clots, stroke or heart attack. Patients who have undergone heart stent surgeries reported fewer incidents of angina and breathing difficulties.
Heart stents are used in people with a history of:
Stents are often implanted in the blocked artery because they are considered less invasive than bypass surgery.
Heart stent surgery requires little time to recover fully. After the surgery, medications will be given to reduce the chances of clotting within the area of the stent. A heart stent is best for patients having one or two blocked arteries. If there are multiple blocked arteries, it is recommended you have a discussion with your doctor about bypass surgery.
Heart stents do not necessarily treat heart disease, but it can prevent a major heart attack.
To maximize the result of your stent surgery, your surgeon will recommend applying these lifestyle changes:
- Quit smoking
- Reduce alcohol dependence
- Maintain regular exercises
- Avoid high-sugar diets
- Avoid high-cholesterol diets
CAN YOU QUALIFY FOR BURIAL INSURANCE WITH HEART STENT SURGERY?
YES! You can still get affordable burial insurance even after angioplasty or heart stent surgery.
Most burial insurance companies do not care about your procedure. They are not concerned about your heart stent surgery; they only care about when you had your last stent implant.
If you had a heart stent surgery in the last 12 months, you will be charged a higher monthly premium and a short waiting period.
No insurance company will offer you level death benefit if your surgery was within the last year. If your last surgery was over one year, you have better options. You can often get immediate coverage and get cost near the lowest premium.
The best thing about burial insurance is you are not required to take a medical exam as part of the application process.
Burial insurance policy is a simplified issue which means you only have to answer some health questions. That’s it!
Any advice for getting the best burial insurance with heart stents?
Our first piece of advice is don’t jump the gun and purchase the first policy you see advertised on television or in a magazine.
We don’t think we’re going too far out on a limb to say almost 100% of these “affordable burial insurance” policies are more expensive than you can get with a burial insurance specialist, like Funeral Funds.
Although you may have had health problems before your heart stent surgery, most people are in great physical shape after their heart surgery. So, if you are looking for burial insurance for seniors, don’t let a routine surgery like heart stent surgery, get in your way of affordable rates.
If you’re heart stent surgery was over 12 months ago, you don’t have to settle for a bottom of the barrel 2-year waiting period burial policy or guaranteed issue final expense policy.
If your heart stent surgery was over 12 months ago, many insurance companies will look at your medical history as if you had never had the surgery. Most folks looking for affordable burial insurance after getting heart stent surgery are happy as a clam to find out that many insurance companies will offer them immediate coverage.
If your heart stent surgery was within the last 12 months, you will have to apply for a burial policy with a waiting period. Although not ideal, it is important to get the clock ticking to get your waiting period out of the way.
Although heart stent surgery is a routine medical procedure these days, the first 12 months are critical for healing and letting your body adjust to the surgery and your medical outcome.
Can I get great rates with a stent surgery?
At Funeral Funds, we are the experts when it comes to helping folks like you find affordable burial insurance. If you are shopping for affordable burial insurance for your parents, chances are they’re not spring chickens anymore, and they have some current or past medical problems.
Finding excellent burial insurance isn’t rocket science, but having advanced knowledge and understanding of the insurance companies underwriting requirements will always make the process easier and get you better-priced burial insurance coverage.
Want some great news?
Insurance companies just want to know how long it’s been since your stent surgery. Don’t worry; you won’t be required to have a medical or physical exam!
But wait. It gets even better. You won’t need a current heart stress test, EKG results, or doctor visit to qualify for burial insurance.
Burial insurance heart stent policies don’t require any medical testing or doctor visits. Most burial policy applications ask a few medical questions, and some don’t ask any questions at all.
Most of these policies get issued super fast!
How can Funeral Funds help you?
Most insurance agents don’t cut the mustard when it comes to getting you the most affordable coverage. Getting affordable burial insurance doesn’t have to cost an arm and a leg.
Our job at Funeral Funds is to be the most knowledgeable burial insurance experts available. By doing so, we can get you the most accurate quote and affordable rates.
Once we know more about your heart stent surgery and health history, we can accurately give you burial insurance quotes from the final expense companies that are the best fit for you.
The reality is that most inexperienced and less knowledgeable insurance agents will cost you loads of money by selling you an expensive burial policy.
Close but no cigar
If you have been diagnosed with heart issues and are scheduled for stent surgery, your only option will be guaranteed issue burial insurance that will require a waiting period.
If you need burial insurance coverage, just bite the bullet and purchase it now so you can get your waiting period out of the way as quickly as possible.
Tell me about heart stent underwriting
It’s important for folks to understand that when shopping for funeral insurance for seniors, or funeral insurance for parents, the insurance companies will ask you some health questions (this is called underwriting). They will want to know about your heart stent surgery and other medical problems and your prescription history.
Don’t try to hide your past prescription and medical history! Burial policies and funeral insurance policies have very lenient underwriting; most people with health problems and medications will qualify for the best pricing.
Some medications, however, are used to treat severe medical problems. Some drugs have serious side effects that could cause other medical issues down the line. It is critical that you be honest with us about your health history and medication history.
If you aren’t honest with us, we can’t get approved for the best funeral policy. Honesty is the best policy.
HEART STENT UNDERWRITING BASICS
If you have had heart stent surgery in the past or are shopping for somebody who has had heart stent surgery in the past, there are a few things to keep in mind when searching for final expense insurance.
Although the insurance companies will want to know more about your heart stent surgery, they will want to know some additional information to see if they will accept you for burial insurance or final expense coverage.
To help you get you the best rates, the insurance companies will need to know your:
- Medical conditions
It is important to note that different insurance companies ask different questions. Some insurance company underwriters have more flexibility with certain medical conditions and medications.
At Funeral Funds, we understand what the insurance companies are looking for and can help you get placed with the best and most affordable policy funeral policy.
Here are some questions we may ask to help you avoid purchasing an inappropriate and expensive policy:
- 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?
- Are you compliant with your doctor’s medical and prescription recommendations?
- Have you had any complications from your stent surgery?
- Have you been diagnosed with any other health or medical conditions?
It’s that easy!
The underwriting questions for heart stent surgery are incredibly simple. Insurance companies will want to know one of the two following questions:
- Have you had surgery for any heart disorder or circulatory disorder within the last 12 months?
- Have you had surgery for any heart disorder or circulatory disorder within the last 24 months?
How easy is that? We are confident you can knock it out of the park when answering either of these two questions…it’s as easy as ABC!
BURIAL INSURANCE WITH HEART STENT WAITING PERIODS?
Level death benefit – burial insurance is simplified issue insurance with no medical exam and you will only have to answer a few health questions.
You will be offered coverage depending on your answers to a few health questions. If you meet the underwriting criteria, your application will be approved and you will get first-day coverage with simplified issue policy.
We have access to many carriers that offer first-day coverage to people with heart stent surgery.
Simplified issue policies are whole life plans with the following guarantees:
- Immediate coverage – you are fully protected from the first day the coverage is in force with no exclusions and no waiting period.
- Ease of issue – no medical exams.
- Fixed death benefits – the death benefit is fixed and guaranteed never to go down regardless of age and changes in health.
- Level premiums – your premiums are fixed, it will never go up. It is lock-in to a rate at your present age and will never increase regardless of your advancing age or health condition.
- Tax-free – your beneficiary will receive the full death benefit tax-free.
- Non-cancelable – your policy will never be canceled by the insurance company as long as you pay your premiums on time.
- Builds cash value – a simplified issue policy is whole life insurance that has a cash value component.
Guaranteed issue life insurance – if you just recently have a heart stent surgery (less than six months) this is your only option.
You are not required to take a medical exam or answer any health questions. The burial insurance company will accept your application regardless of your medical condition.
Guaranteed issue policy has a graded death benefit. The full death benefit is not available to your beneficiary until after the two-year waiting period.
If you pass away from natural causes during the waiting period, your beneficiary will get all the premiums you paid on the policy plus interest which is typically 10%. Some insurance companies give a percentage of the death benefit, 30% of the death benefit if you pass away on the first year and 70% in the second year.
BURIAL INSURANCE TIME SINCE HEART STENT SURGERY
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 12 months, have you been advised to have surgery for heart disease?
- Have you ever received treatment for the coronary disease?
- In the last two years have you been prescribed to have surgery for circulation or blood clot in the heart or brain?
- In the past 24 months, other than for preventive or risk lowering have you been treated for heart or a circulatory disorder?
It’s crucial that you answer these questions truthfully and accurately because burial insurance underwriting is a simple “yes or no” application.
Some final expense insurance companies follow the application with a phone interview. We prefer insurance carriers that do phone interviews as you will know on the spot whether your application is approved, or not.
#1. Your heart stent surgery was within the last six months
The majority of traditional life insurers require six months to pass after surgery before applying for life insurance coverage because if any complications arise from the operation, they will often manifest during the first 6 months after the surgery.
Traditional insurance companies will hold off on approving your policy until they can see that you have recovered successfully from the surgery and there are no complications.
This is not the case with burial insurance!
Carriers will approve your application even when your heart stent surgery is very recent, but you will need to pay anywhere from 15-50% more, and you will have a two-year waiting period.
If you pass away during the waiting period of your policy, your beneficiary will receive the refund of your premiums plus interest. Due to your recent surgery, you are placed in a higher risk category. That’s why you need to pay more and have a waiting period.
#2. Your heart stent surgery was more than 12 months
Some final expense companies only look back one year on heart stent surgery.
For them, if it’s been more than a year without any complications, you are treated just like an average healthy individual. You will qualify for immediate protection without the waiting period, and you can get their lowest rates available.
#3. Your heart stent surgery is over two years now
If your heart stent surgery is over two years now, you have many options.
Every burial insurance company will offer you their level death benefit that comes with the lowest cost. At this point, you are considered as though you never had a stent surgery in the first place!
If you have a heart stent surgery and it’s been over two years, take action now do not delay.
Secure your coverage as soon as possible because more of these surgeries may become necessary in the future. If you need to have another surgery in the future, you will pay more, and you will need to endure another the two-year waiting period.
What if my heart stent surgery was over 24 months ago?
This is a best-case scenario. At this point, the insurance companies consider you fit as a fiddle and treat you as if you never had heart stent surgery. Is that just the best thing since sliced bread or what?
If your heart stent surgery was over 24 months ago, the ball is in your court, and you get to choose from the best companies with the best rates. You’ll be happier than a gopher digging in soft dirt!
You will qualify for the best funeral insurance rates, and you’ll be able to get a policy that has no waiting period and immediate benefit coverage.
How cool is that?
What if my heart stent surgery was within the last 12 months?
This is not the time to throw in the towel in your search for affordable burial insurance. We have to be honest with you; if you’ve had heart stent surgery within the last 12 months, there is no way to avoid a waiting period.
Your only option, at this point, is to go with a guaranteed issue policy that asks no health questions.
The plot thickens…
You may be thinking, why don’t I just wait 12 months to get a policy?
We understand your frustration…you want a better policy than you may qualify for at this time.
Don’t overthink this…you have just had serious heart surgery…get what coverage you qualify for at this time!
None of us knows what will happen in the future. As we age, our bodies wear out, and more things go wrong with our bodies. Although you will have a waiting period with heart stent surgery in the last 12 months, get your burial insurance now.
Since you have no idea what your health will be in the future, it is to your advantage to start now, so your waiting period goes away soon as possible.
What if my heart stent surgery was over 12 months, but under 24 months?
There are companies that will offer you the best pricing within this time range. Most people are excited they can get the best pricing and immediate coverage so soon after stent surgery.
Give us a call, and we will help you understand your options and help you get approved for the best policy possible.
What about the medications I take after heart stent surgery?
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.
Some things the insurance companies will want to know about your medications are:
- The name of your medicine (either brand name or generic).
- What condition was the medication prescribed for?
- When was medication prescribed?
- How long have you been on the medication?
- Do you take your medication as prescribed?
- Have you stopped taking your medicine, reduced your dosage, or have any gaps in filling your prescriptions?
The reality is…
You can’t change what medications your doctor has prescribed and the reason they prescribed those medicines.
Don’t go on a wild goose chase trying to search out burial policies on your own. You will just get frustrated, and you’ll end up paying more than you should for the best coverage.
Call us, and we will help you understand your best options.
Remember, this is all we do at Funeral Funds, so we are very good at it. Money doesn’t grow on trees, so it’s to your advantage to let us find the best price policy for which you will qualify.
Don’t take a shot in the dark with another insurance agent or insurance agency that doesn’t deal with burial policies and final expense policy for heart stent surgery patients.
Keep your eyes peeled for agents and companies that will sell you subpar policies that cost more and come with waiting periods (often those pesky television, magazine, and mailbox advertisements).
Your best chance at getting the best pricing and coverage is to go with a specialized company like Funeral Funds.
HOW TO GET LOWER RATES WHEN YOU HAVE A HEART STENT SURGERY
Quitting smoking will lower your life insurance rates after heart stent surgery.
Smoking rates are usually more than 200-300% higher than non-smoking rates for people with heart problems. If you want to save thousands of dollars on your life insurance, then quitting smoking is one of the best ways to do that.
Another way to get lower rates is by improving your overall health.
Two ways to do that is to start getting regular exercise and sticking to a healthy diet. Small changes in diet can help drop unwanted weight, lower blood pressure, cholesterol, and blood sugar level. Doing this will help you lower your chances of being diagnosed with other health complications.
Why choose Funeral Funds for my heart stent burial policy?
Most life insurance agents are fine, respectable people. There are, however, the classic “snake oil” life insurance agents, who will sell you the easiest to sell and most expensive policy possible.
Avoid these people at all costs!
For the rest of the life insurance agents, who are fine respectable people, they are most often generalists. They deal with all kinds of life insurance policies. They are Jack of all trades and Masters of none. They are nice people, but they are not the logical choice if you want the best pricing and the best policy.
We work with over 30 final expense companies, so we can get you qualified for the best price plan with the intent of getting folks like you immediate coverage when possible.
We have to admit that, for the average burial insurance or final expense insurance shopper, all the companies and options may leave you confused.
It is always in your best interest to work with an independent brokerage, such as Funeral Funds. With access to all the best final expense insurance companies, we will help you understand your best options, given your current age, health, and financial situation.
HOW CAN FUNERAL FUNDS HELP YOU?
Most insurance agents don’t cut the mustard when it comes to getting you the most affordable coverage. Getting affordable burial insurance doesn’t have to cost an arm and a leg.
The reality is that most inexperienced and less knowledgeable insurance agents just don’t cut the mustard and will cost you loads of money by selling you more expensive policies.
Trying to find a policy with pre existing heart conditions needn’t be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and stress-free.
If you have a history of heart stents, let us help you; we will work with you side by side to find a plan that fits your needs.
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.
Here at Funeral Funds, we specialize in obtaining life insurance coverage for people with a history of heart stents.
We work with many A-rated insurance companies that specialize in high-risk clients. We will search those companies to give you the best rate ever. We’ll 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.