Burial Insurance after Heart Surgery

Women Wondering About Burial Insurance after Heart Surgery

Are you wondering if you can purchase affordable burial insurance after heart surgery? Buying burial insurance can be worrisome for healthy people, but for those who had severe health issues in the past, such as heart surgery, applying for burial insurance may seem like an intimidating process.

Many think heart surgery eliminates you for funeral or burial insurance eligibility. Don’t worry; most people who have had heart surgery in the past are approved for coverage.

Having heart surgery in the past needn’t stop you from buying funeral or burial insurance. As time passes after your last surgery, you’ll have more options to purchase quality burial insurance. You may even qualify for immediate coverage if you don’t have other health issues.

To qualify for burial insurance after heart surgery, you need to plan and fill out a good application with the right company. Feel free to call us at (888)862-9456 to find out if you will qualify for immediate coverage or if you would have a waiting period.

Continue reading if you want to know how heart surgery will affect your funeral insurance coverage. We help people on a daily basis who have had heart surgery in the past and need affordable burial insurance.

This article will explain how insurance companies respond to heart surgery. We will also show you your options, and how to find the best burial insurance rates after heart surgery.



According to the American Heart Association,  heart disease is the number one leading cause of death in America (killing more than 375,000 people each year). Heart disease is the leading cause of death for both men and women, and about 50% of the U.S. population has at least one risk factor. Because of these statistics, the insurance companies are rightfully concerned about insuring people who have had heart surgery.

More than half a million heart surgeries and procedures are performed each year to correct heart problems in adults and children.

Most surgeries involve replacing a defective valve with a functioning one. Sometimes, a single procedure is implemented. In other cases, multiple procedures are performed.

A cardiologist will determine the best options. Diagnostic procedures such as cardiac stress testing and echocardiography can help doctors determine which procedure to perform.

Here’s a list of procedures that qualify as heart surgery:


It is possible to qualify for burial insurance after heart surgery. However, some insurance carriers will refuse to underwrite these policies, while others will check your present health condition before making a decision.

If you suffer any kind of cardiac problem and have undergone heart surgery, it’s imperative to keep your options open. If you’re looking at burial insurance from just one company, you are limiting your choices or reasonably priced insurance coverage.

Every post-operation situation is unique, but it is possible to assess your eligibility for high-risk insurance coverage after heart surgery. If you are in good health and you have a healthy lifestyle, then you could very well qualify for burial insurance with immediate benefit one year after heart surgery.

If you don’t live a healthy lifestyle and you have serious health issues, then you may only qualify for a guaranteed acceptance life insurance.

We offer guaranteed issue life insurance from the best burial insurance companies if you have more serious health conditions.


Burial insurance policies are a generally simplified issue, which means that there is no physical or no medical exam.

All you need to do is answer a set of Yes or No health questions!

Your answers will determine your eligibility and how much coverage you will have. If you have a heart condition, then most insurance companies will want to know when your last heart surgery is.

For most burial insurance companies, your reason for having heart surgery is not an issue. In almost every case, the time that lapse since your last heart surgery is the only thing they consider.

Some heart health questions that burial carriers might ask are:

  • Have you had any type of heart surgery within the last 12 months?
  • Have you had any type of heart surgery within the last two years?

Every single burial insurance carrier has underwriting (health questions) will ask about heart surgeries.

Your answer to these questions will determine whether you qualify for an immediate death benefit or graded benefits. Furthermore, your answers will have an effect upon the price of your coverage and when your coverage will take effect.

If your heart surgery was within the last 12 months, there is no way you can qualify for a level death benefit. You cannot avoid a two-year waiting period. The funeral and burial insurance carriers will also charge you a higher monthly premium.

If your heart surgery was within the last 24 months, but it was more than a year ago, you have better options.

Some burial insurance carriers will only look back and ask about heart surgery within the last year. Since your heart surgery was more than a year ago, you may qualify for immediate coverage! You will not have a waiting period, and you will pay a cheaper premium.

There are only a few companies that look back one year on heart surgeries. They are not common, but we know them.

If you happen to fall in this category, and you don’t have any severe health issues that can prevent you from being eligible with companies that only look back one year, call us at (888)862-9456, and we will discuss your options.

If your heart surgery was over two years, then you have unlimited options. Almost every burial insurance company will let you qualify for their lowest rates and immediate protection.

When shopping for funeral or burial insurance, every applicant’s situation is unique. Often times there are other health issues that the life insurance carrier considers before approving your application. Some insurance carriers are more lenient in underwriting depending on your current age and medical conditions.


Level death benefit

If you had heart surgery and one year had passed, and you have no other serious health condition, you may qualify for a level death benefit. You are covered immediately after you pay your first premium and your beneficiary will get full death benefit whenever you pass away.

For example, if you die three months after your policy is in force, then your beneficiaries will get 100% of the death benefit. It is the best burial insurance that we want you to qualify for.

Graded death benefit

This type of burial insurance is synonymous with partial coverage. Your beneficiary will not get the full death benefit when you pass away, but they will receive a percentage of the death benefit.

The graded death benefit would be the next best type of death benefit if you had heart surgery. If you had surgery for less than 24 months and you have no other medical conditions you may be eligible for a graded death benefit.

The graded death benefit works this way. If you purchase a $25,000 face amount and you die during the first year, your beneficiary will receive $10,000 or 40% of the death benefit. If you pass away in the second year, the policy will pay out $17,500 or 70% of the death benefit.

Very few burial insurance carriers offer this type of benefit. Contact us if you want to know what companies provide this type of benefit.

Guaranteed issue life insurance

This type of insurance policy is designed to accept every applicant that passes the age requirement regardless of their medical condition.

There is a limitation to this type of plan. If you die from natural causes, guaranteed issue life insurance will not pay the full death benefits for the first two years.

So, while you are fully covered for accidental death, natural cause of death – related to heart surgery or illness – will not give your beneficiaries a full death benefit payout.


If you can’t qualify for an immediate death benefit, you should consider purchasing a guaranteed acceptance policy while waiting for the two years waiting period to pass.

Unfortunately, it’s prevalent to have complications after heart surgery, or you may develop unrelated heart conditions. If you have a guaranteed issue policy, you would already have started counting on the waiting period if something else occurs.

Once you’ve met the two-year waiting period requirement and the two-year look back period, you could get a new policy or get a lower rate.

If you won’t qualify for a graded death benefit that pays a portion of the death benefit anywhere from 30% to 50% during your first year and up to 80% in your second year, then a guaranteed acceptance policy is your best option.

The company will return all the premiums you paid plus 10% interest and have a two year, not a three-year waiting period.


The American Heart Association recommends doing these seven things to improve your chances of avoiding heart disease:

  1. Quit smoking – Cigarette smoking constricts the blood vessels making it harder for the blood to flow. Increased carbon dioxide damages the heart and makes the heart pump harder. Smoking tobacco is the leading cause of heart disease.
  2. Inactivity and a sedentary lifestyle is also a leading cause of heart disease, so doctors recommend having some type of physical activity or exercising for an hour every day.
  3. Control hypertension – High blood pressure can lead to atherosclerosis or hardening of the arteries which constricts the blood vessels. Monitor your blood pressure and take high blood pressure medication that is prescribed by your doctor. Limit your salt intake to control your blood pressure.
  4. Control cholesterol levels – High level of cholesterol can help plaque build-up in the arteries decreasing blood flow and increasing blood pressure.
  5. Eat a healthy diet – Strive for a balanced diet with more fruits and vegetables. Avoid salt and foods high in saturated fats.
  6. Maintain a healthy weight – Monitor your weight. Obesity contributes to high cholesterol, high blood pressure, and increases your chances of getting diabetes which is all contributing factors in developing heart disease.
  7. Control blood sugar and diabetes – People with diabetes have an increased chance of developing heart disease as well as many other medical conditions like glaucoma and diabetic neuropathy.


As an applicant with heart surgery in the past, you might face higher premiums. Your heart surgery doesn’t mean you have to spend thousands more on your coverage. Working with an independent insurance agency like Funeral Funds who have the capacity to compare different policies is going to be the best way to save money.

To get the most affordable burial insurance after heart surgery, you must work with a highly qualified agency that can assist with your application process. We will evaluate your entire health profile so we can determine the insurance companies that will view your health condition more favorably.

We will help you shop for burial insurance then compare the rates from different carriers to identify which one is best for your needs and budget. Please contact us at (888)862-9456 for a free consultation. You can also fill in the instant quote form on this page if you want to get accurate quotes.


Trying to find a policy after heart surgery can be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.

If you have a history of heart surgery, 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 surgery.

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 surgery 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.