2024 Burial Insurance after Heart Surgery
last updated on April 3, 2024Having 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Heart Surgery, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Heart Surgery
- How Much Insurance Do I Need If I Have Heart Surgery?
- How Should I Pay My Premiums?
- Heart Surgery and Burial Insurance Riders
- Getting Affordable Burial Insurance Rates After a Heart Surgery
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Heart Surgery
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance After Heart Surgery
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 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 heart surgery in the first place!
Best Option: Level death benefit plan with first-day coverage
If your heart surgery is over two years, stop waiting for 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.
Every applicant’s situation is unique when shopping for funeral or burial insurance after heart surgery. Often 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 mandatory two-year waiting period plan if you don’t have to!
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 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 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 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:
- Heart transplant
- Heart valve repair or replacement
- Coronary artery bypass graft surgery
- Transmyocardial laser revascularization
- Arrhythmia treatment
- Aneurysm repair
- Myectomy/myotomy
- Cardiomyoplasty
- Minimally invasive surgical procedures
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, or 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 affect 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 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 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 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 |
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 to determine the insurance companies that will favor your health condition more favorably.
Working with an independent insurance agency like Funeral Funds which can compare different policies, is the best way to save money.
We will help you shop for burial insurance and compare the rates from different carriers to identify which 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 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 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?
Finding a policy after heart surgery can be frustrating, 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.
Additional Questions & Answers On Burial Insurance After Heart Surgery
What does life insurance consider heart surgery?
Life insurance considers the following as heart surgery:
- Open heart surgery
- Heart bypass surgery
- Aortic valve replacement or repair
- Mitral valve replacement or repair
- Pacemaker implantation
- Heart transplantation
If you have had any of the above procedures, it is important to speak with your life insurance agent to find out how it will affect your policy
Can you get life insurance if you have heart surgery?
Yes, you can still get life insurance if you have had heart surgery. You may even qualify for a first-day coverage plan if your heart surgery has been two years or longer.
Can a person with a heart condition get life insurance?
Yes, a person with a heart condition can get life insurance, but the cost may be higher than for someone without a heart condition.
Is heart surgery a pre-existing condition for life insurance?
Yes, heart surgery is a pre-existing condition for life insurance.
Do I need to tell my life insurance company if I have heart surgery?
Yes, you should tell your life insurance company if you have had heart surgery. This is because heart surgery may impact your policy in some ways, including the amount of coverage you have and the premiums you pay.
What are the benefits of burial insurance after heart surgery?
Burial insurance can provide peace of mind after heart surgery. It can help ensure that your loved ones are taken care of financially after you pass away.
Can you get first-day coverage insurance if you have heart surgery?
Yes, you may be able to get first-day coverage insurance if you have had heart surgery. This type of life insurance does not require a waiting period. Speak with your life insurance agent to learn more.
Can a person with heart surgery get burial insurance?
Yes, a person with heart surgery can get burial insurance. Burial insurance is a type of life insurance that provides coverage for funeral expenses.
Do I need to take a medical exam if I have heart surgery?
No, you do not need to take a medical exam if you have had heart surgery. However, you may need to provide information about your health condition to your life insurance company.
Is there an age limit for burial insurance with heart surgery?
The age limit for burial insurance with heart surgery is typically 85 years old.
Can heart surgery be considered a critical illness in life insurance?
Yes, an underlying heart condition can be considered a critical illness in life insurance. A critical illness is a serious medical condition that can cause you to die or require you to be hospitalized.
Is heart surgery considered a terminal illness?
Possibly…a terminal illness is a serious medical condition that leads to death. In most cases, heart surgery correct the underlying heart defect, and you can live a long healthy life.
Is heart surgery fatal in life insurance?
Yes, heart surgery is fatal in life insurance. A fatal illness is a medical condition that leads to death.
Can you be denied insurance for heart surgery?
Yes, you can be denied insurance for heart surgery. If you had recent heart surgery (less than 12 months), many life insurance companies would reject your application. Your only option is to get a guaranteed issue life insurance with a two-year waiting period.
What are the things that may affect my eligibility if I have heart surgery?
Some things may affect your eligibility for life insurance if you have had heart surgery. These include the type of surgery you had, how long ago it was, and your overall health condition.
What is the life expectancy after heart surgery?
The life expectancy after heart surgery varies depending on the individual. Some people may be able to live a normal life after surgery, while others may have more complications.
Which insurance is best for patients with heart surgery?
If you have had heart surgery, you will need to speak with an agent at Funeral Funds to find the best policy for you.
What is the waiting period for life insurance after heart surgery?
A waiting period is a time you must wait before your life insurance policy goes into effect. Most life insurance policies would have a waiting period if the heart surgery was performed in the last two years.
Is heart surgery a disability?
No, heart surgery is not a disability. A disability is a physical or mental impairment that prevents you from working or doing everyday activities.
Can I qualify for cremation insurance with a history of heart surgery?
Yes, you can likely qualify for cremation insurance with a history of heart surgery. Cremation insurance is a type of life insurance that provides coverage for funeral expenses.
What is my best insurance option if I have heart surgery?
You will need to speak with a licensed agent to find the best policy for you if you have had heart surgery.
How long is the waiting period for life insurance with heart surgery?
The waiting period for life insurance if you have had heart surgery in the last two years is typically 24 months. However, there may be first-day coverage from some life insurance companies depending on your surgery date.
Can heart surgery affect your life insurance rates?
Yes, heart surgery can affect your life insurance rates. Your life insurance rates may be higher if you have had heart surgery in the last two years.
Can I get life insurance after a heart transplant?
Yes, you can get life insurance after a heart transplant. However, your rates may be higher and you may need to provide more information to the life insurance company.
What is the maximum age for life insurance with heart surgery?
The maximum age for life insurance with heart surgery is typically 85. However, some life insurance companies may offer policies up to 89 years old.
Can heart surgery medication affect my premium?
Yes, heart surgery medication can affect your premium. Some life insurance companies may require you to provide information about your heart surgery medication. This information will be used to determine your rates.
How can you get the best life insurance rates with heart surgery?
You can get the best life insurance rates with heart surgery by working with an independent life insurance agent who can price shop for you and recommend the company offering the best rates.
What are the premiums for burial insurance with heart surgery?
The premiums for burial insurance with heart surgery vary depending on the life insurance company you choose.
What is the average cost of life insurance for someone with heart surgery?
The average cost of life insurance for someone with heart surgery depends on the type of policy you choose, your age, and your health condition.
Can heart surgery patients get final expense insurance?
Yes, heart surgery patients can get final expense insurance. Final expense insurance is a type of life insurance that provides coverage for funeral expenses.
Is heart surgery covered by a critical illness rider?
Yes, heart surgery may be covered by a critical illness rider. A critical illness rider is an optional add-on to a life insurance policy that provides coverage for certain medical conditions, such as a heart attack.
Can heart surgery affect life insurance?
Yes, heart surgery can affect life insurance. Your life insurance rates will likely be higher if you have had heart surgery in the last two years.
Can you be rejected for life insurance because of heart surgery?
Yes, you can be rejected for life insurance because of heart surgery. Some, but not all, life insurance companies will not issue policies to individuals who have had heart surgery in the last 24 months.
What is the best insurance option for people with heart surgery?
The best insurance option for people with heart surgery depends on the person’s needs and situation. Some people may need life insurance, while others only need burial insurance.
What are the best life insurance companies for heart surgery?
The best life insurance companies for heart surgery vary depending on the person’s needs and situation.
What are some tips for getting life insurance with heart surgery?
When considering life insurance, it’s important to understand how heart surgery may affect your policy. If you have had open-heart surgery, bypass surgery, or pacemaker implantation, your life insurance company will consider this heart surgery. This may impact your coverage, the premiums you pay, and whether you are eligible for a policy. However, it is still possible to get life insurance if you have had heart surgery. Speak with your life insurance agent to find out more.
Does life insurance payout for heart failure?
Does life insurance payout for heart disease? Yes – we all know that heart disease can be serious, and your life insurance will pay your family a cash lump sum in case of death.
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