Burial Insurance With High Blood Pressure

Burial Insurance with High Blood Pressure

Can you get burial insurance with high blood pressure? The quick answer is YES. You can qualify for burial insurance even if your high blood pressure is uncontrollable and you are using prescription medications to control it.

The truth is … people with high blood pressure are approved for burial insurance all the time!

The majority of life insurance companies will issue you a policy with a level death benefit. The greatest advantage of the level death benefit plan is that it comes with first-day coverage and no waiting period. You will also qualify for the lowest rates.

If you have high blood pressure, here’s everything you need to know about life insurance with high blood pressure and how to obtain an affordable burial insurance policy.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE HIGH BLOOD PRESSURE?

Life insurance with first-day coverage is your best option if you have high blood pressure. First-day coverage (level benefit plan) and no waiting period will get you the very best pricing.

As long as your high blood pressure is well controlled, we will be able to qualify you for first-day coverage and the lowest rates.

FUNERAL FUNDSSTARTS WHEN?
Health or Medical Related Death1st Day Payout
Future Health Problems100% Covered
Accidental DeathIncluded FREE

One of the best benefits of burial insurance is easy underwriting. This easy underwriting allows people with high-risk medical conditions to qualify for the best coverage and low rates. 


WHAT TYPES OF POLICIES 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 PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES
FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
Coverage Up To Age 121 Yes

IF I HAVE HIGH BLOOD PRESSURE, DO I NEED A MEDICAL EXAM TO QUALIFY?

You don’t need to take a physical or medical exam to qualify for burial insurance.

You will only need to complete a simple health questionnaire to qualify. Most of the time, you’ll only need to answer about 10 to 20 easy health questions to qualify.

Getting burial insurance with no waiting period is super easy.

FUNERAL FUNDS PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES


BURIAL INSURANCE UNDERWRITING IF YOU HAVE HIGH BLOOD PRESSURE

Instead of a medical exam, the insurance company will check your:

  • Medical history through the Medical Information Bureau
  • Prescription medications through Rx database
  • Driving record though Motor Vehicle Records
  • Other companies may want to do a phone interview.
  • Depending on the insurance company, they may issue a decision immediately after the phone interview.


WHAT MEDICATIONS MAY LEAD TO APPROVALS OR DENIALS?

Here is a list of medications the insurance companies will look for when you have high blood pressure:

  • Altace
  • Amyl Nitrate
  • Atacand
  • Atenolol
  • Avapro
  • Avalide
  • Amlodipine
  • Benicar
  • Bystolic
  • Carvedilol
  • Clonidine
  • Chlorthalidone
  • Coreg
  • Cozaar
  • Diovan
  • Enalapril
  • Exforge
  • Hydrochlorothiazide
  • Hyzaar
  • Furosemide
  • Lasix
  • Lisinopril
  • Lopressor
  • Losartan
  • Lotrel
  • Metoprolol
  • Minoxidil
  • Monoket
  • Propranolol
  • Micardis
  • Norvasc
  • Ramipril
  • Spironolactone
  • Tekturna
  • Triamterene
  • Valsartan
  • Verapamil

If you’re taking one or more of these medications, most insurance companies won’t even care…but some combinations will not be accepted by the insurance companies.

None of the insurance companies will care if you are taking prescription medications for high blood pressure and you want to purchase a burial or funeral policy. In fact, if they don’t even ask about your high blood pressure on the health questionnaire, it means they are perfectly okay with it.

Do you have other health problems aside from high blood pressure? Check this table to understand your eligibility.

MEDICAL CONDITIONS 
AFIB1st-day Coverage

CancerOver 2 years = First day coverage
Under 2 years = Hybrid coverage
Cholesterol1st-day Coverage
Congestive Heart FailureHybrid Coverage
COPDPossible 1st-day coverage if no oxygen or smoking
Dementia2-year wait only
Diabetes1st-day Coverage
Dialysis2-year wait only
Heart AttackOver 2 years = 1st-day coverage
Under 2 years - Hybrid coverage
Heart SurgeryOver 2 years = 1st-day coverage
Under 2 years - 2 year wait
High Blood Pressure1st-day Coverage
Hospice2-year wait
Liver DiseaseHybrid Coverage
Neuropathy1st-day Coverage
Nitroglycerin UseHybrid Coverage
Nursing home2-year wait only
StrokeOver 2 years = 1st day coverage
Under 2 years - Hybrid coverage
Terminal Illness2-year wait only
Oxygen UseHybrid coverage in no 24 hour oxygen use
Wheelchair UseHybrid Coverage


HOW MUCH INSURANCE DO I NEED IF I HAVE HIGH BLOOD PRESSURE?

The amount of burial insurance you need varies depending on your personal and financial circumstances, but it should cover the cost of your end-of-life 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 t 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

You can also choose your payment frequency.

PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies

Most of the people we help with find monthly payments to be the best because it is easier on the budget.


HIGH BLOOD PRESSURE AND BURIAL INSURANCE RIDERS

Insurance policy riders add benefits to your basic life insurance policy. You can customize your policy by adding insurance riders to enhance your policy and make sure it fits your specific needs. There is an additional cost if you decide to add riders to your policy. Riders are affordable, and they involve little to no underwriting.

Here are the common burial insurance policy riders:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


WHAT ARE THE BENEFITS OF BURIAL INSURANCE?

Here are some of the benefits of purchasing a burial or funeral policy:

  • Ease of issue – easy to qualify and get insurance coverage.
  • No medical exam needed – you are only required to answer a few health questions.
  • Fixed death benefit – your death benefit is fixed and guaranteed to never decrease for any reason.
  • Level premium – your premium will never increase. It is lock into a rate at your current age, and the rate will never go up regardless of advancing age or medical conditions.
  • Not cancelable – your policy can never be canceled by the life insurance company as long as premium payments are made on time.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free
  • You can get a much smaller amount of coverage – burial insurance can range from $1,000 to $50,000.
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.


WHEN IS THE BEST TIME TO GET BURIAL INSURANCE WITH HIGH BLOOD PRESSURE?

The best time to buy burial insurance with the lowest rate is when you are healthier and younger. Getting healthier is not possible 99% of the time, especially when we are getting older. Getting younger is impossible because we get older each year.

If you think you need to lose weight first to get the best rate, you’re wrong. Many people decide to lose weight, and up until now, they haven’t lost weight, and still, they don’t have life insurance. 

Are you wanting to quit smoking before getting burial insurance? Think again. Every life insurance company has a 12-month lookback period on smoking. You cannot get the best rate unless you have quit smoking for a year. Get insured now and get back to us when you finally quit smoking for a year, and we will help you get lower rates.

Today is the best time to get burial insurance. Each year you procrastinate, you will pay more premium. Get insured today because life is uncertain, and we don’t know what will happen tomorrow. 

One last and important tip, shop with an independent insurance agency like Funeral Funds. We work with many top-rated life insurance companies in the market today. We can help you find the best burial insurance company that gives the best rate. 


HOW TO GET THE BEST BURIAL INSURANCE RATES FOR HIGH BLOOD PRESSURE

Life insurance quotes are basically based on age, sex, and where you live in the United States.

If you have high blood pressure, we can help you find the best life insurance for high blood pressure. An independent life insurance agency like Funeral Funds can get you the best quotes from the best life insurance companies. We can always give you an accurate quote based on any medical condition you have going on in your body.

Looking for burial insurance will be easy if you allow us to help you!

There is no reason to shop on your own and waste your time calling the different life insurance companies. If you’re ready to find the right type of protection for your needs, just use the instant QUOTE form on this page.


HOW CAN FUNERAL FUNDS HELP ME?

If you are looking for affordable life insurance with high blood pressure, we can help.

We work with all of the top-rated life insurance companies in the market today. We can help you find the burial insurance carrier that will best fit your needs and your budget.

If you have additional questions about finding life insurance with high blood pressure or about getting life insurance quotes, please call us at (888)862-9456 we will help you.

Funeral Insurance, Final Expense Insurance, Burial Insurance With High Blood Pressure Infographic

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