2024 Burial Insurance After Heart Valve Surgery
last updated on April 3, 2024The first thing you must understand when considering buying burial insurance after a heart valve surgery is that YOU CAN qualify for affordable burial insurance.
Having heart valve surgery may affect your burial insurance plan selection. However, the time that passed since your last heart surgery will determine what plans you will qualify for and your rates.
Regardless of your last operation, options are available to get you covered.
This article will explain how heart valve surgery and burial insurance relate. We will also provide information on how insurance carriers respond to heart valve surgery and what options are available for you.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Heart Valve Surgery?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have a Heart Valve Surgery, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have a Heart Valve Surgery
- How Much Insurance Do I Need If I Have a Heart Valve Surgery?
- How Should I Pay My Premiums?
- Heart Valve Surgery and Burial Insurance Riders
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance after Heart Valve Surgery
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance After Heart Valve Surgery
What Is My Best Insurance Option If I Have A History Of Heart Valve Surgery?
The time that passes after your heart valve surgery is the most critical issue with most burial insurance companies. It is the deciding factor that will determine what plan you will qualify for and your premium.
YOUR HEART VALVE SURGERY WAS OVER 2 YEARS
Most insurance companies have a two-year look-back period on heart valve surgery because they want to see if it was successful or if there are any complications from your heart surgery.
If your heart valve surgery was over two years, you have the best and lowest-priced options available. Most burial insurance companies offer you a level death benefit plan with first-day coverage at the lowest premium.
You will be covered from the first day, and your beneficiary will receive 100% of the death benefit when you pass away.
Best Option: Level death benefit plan with first-day coverage.
YOUR HEART VALVE SURGERY WAS LESS THAN TWO YEARS AGO
If your heart valve surgery was less than two years ago, you still have some options.
If you don’t have any other health issues that may prevent you from qualifying with these companies, we can get you covered for a first-day benefit plan.
You will be covered from the first day, and your death benefit will be phased in over time.
Best Option: First-day benefit plan
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 A Heart Valve 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 after a heart valve 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 A Heart Valve 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 have had heart valve surgery in the past.
Common heart valve repair procedures insurance companies will ask about:
- Heart valve repair
- Valvuloplasty
- Ring Annuloplasty
- Commissurotomy
- Decalcification
- Patching
The types of heart valve surgery, whether repair or replacement surgery, is not a big concern to burial insurance companies. They are more concerned about the time since your last heart valve surgery.
You can see heart surgery questions in the health questionnaire asked this way:
- 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?
You need to answer “yes” to the heart surgery question since heart valve surgery is considered a heart and circulatory surgery.
PRESCRIPTION HISTORY CHECK:
Patients with mechanical valves often need to take blood-thinning medicines for the rest of their lives.
Common medications for heart valve surgery patients are over-the-counter drugs like Aspirin, or blood-thinners like Coumadin, Plavix, and Warfarin. In most cases, insurance carriers will not care about blood thinners if it has been two years or more since your first fill.
How Much Insurance Do I Need If I Have A Heart Valve 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 Valve 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 |
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 After A Heart Valve Surgery
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan after a heart valve surgery
- Cremation insurance plan after a heart valve surgery
- Funeral home insurance plan after a heart valve surgery
- Final Expense insurance plan after a heart valve surgery
- Prepaid funeral plan insurance after a heart valve surgery
- Mortgage payment protection plan after a heart valve surgery
- Mortgage payoff life insurance plan after a heart valve surgery
- Deceased spouse’s income replacement plan after a heart valve surgery
- Legacy insurance gift plan to family or loved ones after a heart valve surgery
- Medical or doctor bill life insurance plan after a heart valve 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 with heart valve surgery needn’t be frustrating, but working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You need not waste your precious time searching for multiple insurance companies because we will do the dirty work for you.
We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search all those companies and 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 funeral or burial insurance with heart valve 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 Valve Surgery
Can you get life insurance if you have heart valve surgery?
Yes, you can get life insurance after having heart valve surgery. You can even qualify for a first-day coverage plan if your heart valve 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. Many different life insurance policies are available, and some may be more suitable for people with heart conditions than others. It is important to speak to an insurance agent to determine what type of policy would be best for you.
Is there an age limit for burial insurance with heart valve surgery?
Yes, most life insurance companies will applicants up to 85 years old.
Do I need to take a medical exam if I have heart valve surgery?
No, you will not need a medical exam if you have heart valve surgery. This is because life insurance companies will use your medical records to determine your eligibility for coverage.
Is heart valve surgery a pre-existing condition for life insurance?
No, heart valve surgery is not a pre-existing condition for life insurance. But, your heart condition that caused the surgery is a pre-existing condition for life insurance.
Do I need to tell my life insurance company if I have heart valve surgery?
Yes, you must tell your life insurance company if you have heart valve surgery. This is because the insurance company will need to know about your medical history to determine your eligibility for coverage.
If I have heart valve surgery, will my life insurance rates go up?
No, your life insurance rates will not increase if you have heart valve surgery.
What are the benefits of burial insurance after heart valve surgery?
Some benefits of burial insurance after heart valve surgery include:
- You can get life insurance coverage without having to take a medical exam
- Your life insurance rates will not go up
- You can get coverage for a pre-existing condition
- You can get first-day coverage if your surgery was two years or longer ago
- You can get a policy that covers you up to age 85
- You can choose the amount of coverage you need
Can you get first-day coverage insurance if you have heart valve surgery?
Yes, you can get first-day coverage insurance if you have heart valve surgery. This is because life insurance companies will not require a medical exam for people who have had heart valve surgery.
What is the age limit for first-day coverage insurance?
Most life insurance companies will accept applicants up to 85 years old.
Can a person with heart valve surgery get burial insurance?
Yes, a person with heart valve surgery can get burial insurance. This type of insurance will pay for the costs of your funeral and other final expenses.
Is heart valve surgery fatal in life insurance?
Yes, heart valve surgery can be fatal in life insurance. This is because the surgery can be a pre-existing condition for life insurance.
What are the consequences of not telling your life insurance company about your heart valve surgery?
If you do not tell your life insurance company about your heart valve surgery, the insurance company may deny your claim. This is because the insurance company will need to know about your medical history in order to determine your eligibility for coverage.
Can heart valve surgery be considered a critical illness in life insurance?
Yes, heart valve surgery can be considered a critical illness in life insurance.
Is heart valve surgery a disability?
No, heart valve surgery is not a disability.
What are the things that may affect my eligibility if I have heart valve surgery?
Some things that may affect your eligibility if you have heart valve surgery include:
- The type of heart valve surgery you had
- The reason for your heart valve surgery
- The date of your heart valve surgery
- Your current health condition
- Your age
- Your medical history
Can you be denied insurance for heart valve surgery?
Yes, you can be denied insurance for heart valve surgery. Recent heart valve surgery and hospitalization can cause your application to be declined.
What is the life expectancy after heart valve surgery?
The life expectancy after heart valve surgery is usually between 10 and 15 years. However, this may vary depending on the individual’s health condition.
What is the waiting period for life insurance after heart valve surgery?
The waiting period for life insurance after heart valve surgery is usually two years. However, this may vary depending on the life insurance company.
What is my best insurance option if I have heart valve surgery?
There is no one best insurance option for people who have heart valve surgery. Life insurance companies will consider your individual case and determine the best insurance option for you.
Can I qualify for cremation insurance with a history of heart valve surgery?
Yes, you can qualify for cremation insurance with a history of heart valve surgery. This is because life insurance companies will not require a medical exam for people who have had heart valve surgery.
What is the coverage amount for burial insurance after heart valve surgery?
The coverage amount for burial insurance after heart valve surgery will depend on the life insurance company. Most life insurance companies will offer a policy covering up to $50,000.
Can heart valve surgery affect your life insurance rates?
Yes, heart valve surgery can affect your life insurance rates. This is because the surgery can be a pre-existing condition for life insurance.
What is my best insurance option if I have heart valve surgery?
There is no one best insurance option for people who have heart valve surgery. Life insurance companies will consider your individual case and determine the best insurance option for you.
Can I qualify for a no exam life insurance policy if I have heart valve surgery?
Yes, you can qualify for a no-exam life insurance policy if you have heart valve surgery. This is because life insurance companies will not require a medical exam for people who have had heart valve surgery.
What is the coverage amount for a no exam life insurance policy if I have heart valve surgery?
The coverage amount for a no-exam life insurance policy if you have heart valve surgery will depend on the life insurance company. Most life insurance companies will offer a policy covering up to $50,000.
Can I get life insurance after a heart transplant?
Yes, you can get life insurance after a heart transplant. Most life insurance companies have a waiting period of two years after the transplant.
What is the maximum age for life insurance with heart valve surgery?
The maximum age for life insurance with heart valve surgery is usually 85 years old. However, this may vary depending on the life insurance company.
What are the premiums for burial insurance with heart valve surgery?
The premiums for burial insurance with heart valve surgery will depend on the life insurance company. Most life insurance companies will offer a policy covering up to $50,000.
Can heart valve surgery patients get final expense insurance?
Yes, heart valve surgery patients can get final expense insurance.
Is heart valve surgery covered by a critical illness rider?
Yes, heart valve surgery is covered by a critical illness rider.
Can heart valve surgery affect life insurance?
Yes, heart valve surgery can affect life insurance. This is because the cause of the surgery is a pre-existing condition for life insurance.
What are the best life insurance companies for heart valve surgery?
There is no best life insurance company for people with heart valve surgery. Life insurance companies will consider your case and determine the best insurance option for you.
Can you be rejected for life insurance because of heart valve surgery?
Yes, you can be rejected for life insurance because of heart valve surgery. Recent heart valve surgery and hospitalization can cause your application to be rejected.
What are the chances of being approved for life insurance with heart valve surgery?
The chances of being approved for life insurance with heart valve surgery will depend on the life insurance company.
What are some tips for getting life insurance with heart valve surgery?
Some tips for getting life insurance with heart valve surgery include:
- Be honest about your medical history and disclose all information related to your heart valve surgery.
- Get a no-exam life insurance policy if you can.
- Consider a policy that has riders or benefits
Does life insurance payout for heart failure?
Yes, life insurance payouts for heart failure are possible.
What is the best insurance option for people with heart valve surgery?
There is no one best insurance option for people who have heart valve surgery. Life insurance companies will consider your case and determine the best insurance option for you.
Can I qualify for a no exam life insurance policy if I have heart valve surgery?
Yes, you can qualify for a no-exam life insurance policy if you have heart valve surgery. This is because life insurance companies will not require a medical exam for people who have had heart valve surgery.
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