Burial Insurance after Heart Surgery

Women Wondering About Burial Insurance after Heart Surgery

Having heart surgery in the past will not stop you from buying burial insurance. Having heart surgery in the past will not prevent you from being approved for coverage at an affordable rate.

If you have had heart surgery in the past and you are considering applying for a burial insurance policy, we can help you!

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.

FOR EASIER NAVIGATION:

WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF HEART SURGERY?

Your ability to qualify for burial insurance after heart surgery depends on these factors:

  • Date of your diagnosis or your last treatment date for heart problems
  • How long has passed since your heart surgery


YOUR HEART SURGERY WAS OVER 2 YEARS NOW

If your surgery is more than two years now, 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 heart surgery in the first place!

Best Option: Level death benefit plan with first-day coverage

If your heart surgery is over two years now, stop waiting to get a burial insurance policy. Take immediate action and get your policy as soon as possible!

Don’t take your current health for granted, so take action now!


YOUR HEART SURGERY IS ONE YEAR AGO

If your heart surgery has been over 12 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 or circulatory surgery were within the last year.

Best Option: First-day benefit plan

The first-day benefit plan will cover you from the first day and your death benefit will be phased in over time.

When shopping for funeral or burial insurance after heart surgery, 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.


WHY YOU SHOULD NOT CONSIDER A GUARANTEED ACCEPTANCE POLICY IF YOUR HEART SURGERY IS IN THE LAST TWO YEARS

If you can’t qualify for a level death benefit plan with first-day coverage, you should consider a first day benefit plan with phased in coverage.

You don’t want to buy a mantadory two year waiting period plan if you don’t have to!


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


IF I HAVE HEART SURGERY, 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 heart surgery.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and 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 HEART SURGERY

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 life insurance company wants to know if you had heart surgery in the past.

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

Your answers will determine your eligibility and how much coverage you will have. Since 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 passed since your last heart surgery is the main thing they consider.

Some heart health questions that burial carriers might ask are:

  • During the past 12 months have you had a heart attack or failure, or heart or circulatory surgery?
  • Within the past 24 months have you been medically diagnosed as having or been treated for heart attack, heart disease, heart or circulatory surgery to improve circulation to the heart?
  • Within the past 2 years have you had, or been diagnosed with angina, heart attack, cardiomyopathy, or any type of heart surgery?

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


HOW MUCH INSURANCE DO I NEED IF I HAVE HEART SURGERY?

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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


HEART SURGERY 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 other riders 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-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


GETTING AFFORDABLE BURIAL INSURANCE AFTER A HEART SURGERY

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.

Working with an independent insurance agency like Funeral Funds who has the capacity to compare different policies is going to be the best way to save money.

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.


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 as long as 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 SURGERY

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with heart surgery
  • Cremation insurance plan with heart surgery
  • Funeral home insurance plan with heart surgery
  • Final Expense insurance plan with heart surgery
  • Prepaid funeral plan insurance with heart surgery
  • Mortgage payment protection plan with heart surgery
  • Mortgage payoff life insurance plan with heart surgery
  • Deceased spouse’s income replacement plan with heart surgery
  • Legacy insurance gift plan to family or loved ones with heart surgery
  • Medical or doctor bill life insurance plan with heart surgery

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?

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.

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 insurance after heart surgery, final expense insurance after heart surgery, or burial insurance after 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.

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