Burial Insurance with a Heart Transplant

The great news is that you can still qualify for an affordable burial insurance plan even if you have had a heart transplant in the past.

A transplant is a significant issue when it comes to qualifying for traditional life insurance, but that is not the case with guaranteed issue burial insurance. You will be able to qualify for a no medical exam and no medical questions asked burial insurance policy.

At Funeral Funds, we have the experience required to help heart transplant recipients get the coverage they desperately need.

In this article, we answer many of the questions that you may have about what options are open for you if you had a heart transplant and how to find the best plan for your needs.



Yes! You can get quality life insurance coverage as a heart transplant recipient.

While it’s true that a heart transplant disqualifies you from qualifying for traditional life insurance, this is not the case with burial insurance. You will be approved for coverage for a guaranteed issue burial insurance as long as you meet the age requirement and the policy is available in your state.

We can get you a policy after your heart transplant. However, you must be aware that your burial insurance plan will have a two-year waiting period. No insurance carrier will offer you immediate coverage due to the seriousness of your operation.

Having a heart transplant means you will need to live for two years before the insurance company will pay the 100% death benefit to your beneficiaries (for any medical reasons). If you were to die during the waiting period, the company would just refund all your premiums plus 10% interest (unless it was an accident, and then the will pay your full coverage amount in full).


Life insurance companies know that a heart transplant is a risky surgical procedure that can result in premature death.

There are many life-threatening health risks brought about by heart transplant some of them include:

  • Rejection of donor organ
  • Side effects of immunosuppressant drugs
  • Problems with the coronary arteries
  • Infection – your immune system becomes weak from immunosuppressant drugs making it harder for the body to fight infections.
  • Cancer – immunosuppressant drugs reduce the strength of the immune system making the body susceptible to any form of cancer.

Most medical experts agree that heart transplant is not necessarily a cure for heart disease because the recipient will have to be on immunosuppressant medication for the rest of his life to fight organ rejection.

Life insurance companies care about heart transplant because having a heart transplant can significantly decrease your life expectancy.

The truth about heart transplant is that recipients have a significantly lower life expectancy than the average healthy person. This is the reason why no life insurance company will issue insurance coverage with an immediate benefit, and you cannot avoid a waiting period.

Receiving a heart transplant can save your life, but the truth is only 50% of heart transplant recipients live more than ten years after their surgery. For heart surgery recipients who have survived at least one year after their surgery, the long term prognosis can be better.

Fortunately, taking immunosuppressant drugs faithfully, eating healthy and following your doctor’s orders can prolong your life for many years. If you had a heart transplant, guaranteed issue burial insurance is your only option for coverage.


Underwriting is the procedure used by insurance carriers to determine your level of risk and to assess if you will qualify for burial insurance.

Final expense insurance carriers will ask you health questions, and they will electronically analyze your prescription history to verify your health condition.


Every burial insurance company will ask about heart transplants. Here are some common questions:

  • In the past 2 years, have you had or are you now awaiting heart transplant?
  • Within the last 12 months, have you received or been advised to receive a heart transplant?
  • Have you ever received or been advised to receive a heart transplant?

Most life insurance companies with underwriting (health questions) will ask these questions in the “knockout” section. If you answer any of the questions with a “YES” in a knockout section, you will not qualify for immediate coverage.


When you had a heart transplant, your body will not readily accept the newly transplanted organ. It will consider your new heart as a foreign body. Your body will attack the new heart and try to destroy it as it considers it a foreign invader.

As a result, you will be prescribed immunosuppressant drugs for your heart transplant. The immunosuppressant drugs will suppress the body’s ability to fight the new organ. These anti-rejection drugs minimize the side effects of the operation and produce effective immunosuppression.

Some immunosuppressant drugs cause a red flag to life insurance carriers. If you are taking any of these drugs for your heart transplant, you will be flagged as a heart transplant recipient and considered to be a high-risk applicant.

Here’s a list of common heart transplant medications:

  • Azathioprine
  • Basiliximab (Simulect)
  • Belatacept
  • Calcineurin
  • Cyclosporine
  • Daclizumab
  • Muromonab-CD3
  • Mycophenolate Mofetil (CellCept)
  • Mycophenolic acid (Myfortic)
  • Prednisone
  • Sirolimus (Rapamune)
  • Tacrolimus
  • Thymoglobin

Taking any of these drugs will indicate to the insurance company that you are an organ transplant recipient.


Regardless of how the insurance carriers find out about your heart transplant, final expense companies will have two responses to heart transplant applicant:

  1. They will reject your application

Every life insurance company will flat out reject your application if you have had a heart transplant. For some insurance companies, you are a high risk they don’t want to deal with. If you’ve been declined in the past, don’t worry there are burial insurance companies that will accept you.

  1. They will issue a policy with a waiting period

Every insurance company is different, but some companies will allow you to purchase a guaranteed issue policy that comes with a two-year waiting period. If you happen to pass away from a natural cause during this time, they will only refund your premiums plus 10% interest. Accidental death is paid out at 100% throughout the life of the policy.


Here’s the thing. Due to the serious nature of heart transplant, there is only one option for life insurance coverage. This option is called guaranteed issue burial insurance. Here is what that means:

You will qualify for burial insurance even if you say yes to the following questions:

  1. Do you have a heart transplant?
  2. Did you have any complications after the heart transplant?
  3. Have your doctor told you that you might not live more than a few months after your surgery?

You heard that right! Even under these circumstances, you will still be eligible for a guaranteed acceptance or guaranteed issue policy.

You must simply fit the following requirements:

  1. You are a U.S. citizen
  2. You meet the age requirements of 50-85 years old
  3. You live in a state where guaranteed issue life insurance policies are available.
Funeral Insurance, Final Expense Insurance, Burial Insurance With A Heart Transplant Infographic


It is also called no-exam no-questions-asked life insurance or guaranteed acceptance life insurance for transplant patients. It is whole life insurance that lasts a lifetime. The idea behind the guaranteed issue is that they are designed to provide peace of mind without the downside of term insurance (which is designed to terminate in the future).

The application is easy and straightforward. You only need to fill out your personal information, beneficiary information, and payment information.  All you need is to sign your name on the application over the phone or on the computer and send it, and you will be approved for coverage in a couple of days.

These policies are blessings for heart transplant recipients because there are no medical exam or health questions.


  1. No health questions – This is the most significant advantage for heart transplant recipients because you’re guaranteed to be approved and there are no questions asked and no medical exam either.
  2. Easy to qualify – It’s a simple yes or no application. The insurance company will not perform a medical exam, put your medical records or look at your prescription history. They will just check your identity through your social security number, and you will be approved after a couple of days.
  3. Fixed monthly premium – Your monthly insurance bill will never increase, your premium is locked in your current age and will remain fixed for the rest of your life. As long as you keep paying your monthly premiums on time it will never increase under any circumstances.
  4. Not Cancelable – Some people complain about their life insurance canceling because of their worsening health condition. Guaranteed issue burial insurance for heart transplant patients will never cancel because of declining health or advancing age.
  5. The death benefit will never decrease – death benefit had a fixed amount and guaranteed to never decrease for any reason. Your beneficiaries will receive your full death benefit when you pass away after the two-year waiting period.
  6. Cash value accumulation – Guaranteed acceptance burial insurance is whole life insurance which accumulates cash value over time. It can be used to pay your premiums, or you can borrow against it to be used for any purpose.

These are the benefits of a guaranteed life insurance policy. Once you are over the two-year waiting period, you are covered for a natural cause of death. From the first day, you take out the policy and make the first payment, you are fully covered for accidental death.

If you’re 50 to 80 years old, it’s the easiest age range to get a guaranteed issue burial insurance for heart transplant patients.


When you have a heart transplant, you will never qualify for anything other than guaranteed issue life insurance with a waiting period. You might ask: “Why do I need to get a plan like that if it doesn’t cover me from the first day?”

Every single insurance company knocks out heart transplant even if it’s been a while since the heart transplant was performed. All heart transplant recipients take immunosuppressant drugs, and those drugs are knock-out medications for each company.

Your only option for life insurance coverage is a guaranteed issue burial insurance. There’s no other way to get any other life insurance coverage.

Here’s why we recommend guaranteed acceptance life insurance for those who have heart transplant:

  1. There could be a complication from your operation.
  2. You could have a heart attack.
  3. You could develop other health conditions like high blood pressure or diabetes.
  4. Your doctor may prescribe other medications that are flagged by the life insurance company.

Other health conditions may prevent you from qualifying for immediate coverage. It means guaranteed issue burial insurance is the only option open for you and you have to wait two years before you will be fully covered. You need to act now and buy a guaranteed issue plan and work on the waiting period.

Bottom line: The sooner you work on the waiting period the sooner you will get full coverage.


The best insurance for transplant patients will not make you wait more than two years to get you fully covered. Some companies offer plans that have three or even four-year waiting periods. It’s totally insane! Avoid these plans at all costs.

Age Limits: 50-85

Death Benefit: $5,000-$25,000

Two years is the shortest period possible before you are fully covered. You don’t have to wait longer than that.

If you have a heart transplant, then a guaranteed issue policy is your best choice.

Your application will be a breeze because there are no health questions and medical exams. Guaranteed life insurance has only a two-year waiting period. If you pass away during the first two years as a consequence of your heart transplant, your beneficiaries will get the return of your premiums plus 10%.


Trying to find a policy with a heart transplant needn’t be a frustrating process; working with an independent final expense broker like Funeral Funds will make the process easier and quicker.

If you have a health history of a heart transplant, let us help you; we will work with you side by side to find a plan that fits your needs.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We will shop your case to different insurance carriers and get you the best price.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for heart transplant funeral insurance, or heart transplant burial insurance, or heart transplant life insurance, 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.