Burial Insurance With High Blood Pressure

Burial Insurance with High Blood Pressure

Getting burial insurance with high blood pressure may seem to be a challenge and may discourage you from shopping for a funeral policy. If you’re trying to get a life insurance policy with this condition, it will be helpful to understand how your high blood pressure diagnosis affects your application.

Different companies have different medical guidelines, and they all have different views on high blood pressure burial insurance eligibility. If you are taking high blood pressure medication, we can help you shop around for life insurance companies that will offer the best rates and immediate coverage.

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.

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CAN I GET BURIAL INSURANCE WITH HIGH BLOOD PRESSURE?

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

Even if you have uncontrollable high blood pressure, you will still be eligible for coverage. Almost all burial insurance companies will issue you a policy with a level death benefit. It means you are covered from day one, you will have no waiting period and you can qualify for the lowest rates they offer.

There is no medical exam with this type of policy!

Level Coverage (simplified issue) plans offer death benefit payout right away without waiting period. The premium will stay fixed during the life of the policy. Most of the time you’ll only have to answer about 15 to 20 easy health questions to qualify for this type of plan.

Instead of a medical exam, they 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.

With this type of policy, whatever happens, as long as you pay your premiums while you are alive, your beneficiaries are sure to receive a cash payout when you die.

YOU WILL ALSO BE ELIGIBLE FOR A GUARANTEED ISSUE BURIAL POLICY…BUT WE SUGGEST YOU AVOID THESE IF YOU HAVE HIGH BLOOD PRESSURE

Just like the name says, you’re guaranteed to get life insurance with a guaranteed issue policy.

This means you can focus on getting your coverage quickly without the hassle of a medical exam in a traditional life insurance application.

There are also no health or medical questions to answer; you will get accepted no matter what medical condition you have. It means that even if you have any heart conditions like arrhythmia, aneurysm, congestive heart failure, heart attack, coronary artery disease, heart murmur, and valvular heart disease you can still qualify for coverage.

With this type of policy, whatever happens, as long as you pay your premiums while you are alive, your beneficiaries are sure to receive a cash payout when you die.

A guaranteed issue life insurance policy sounds like a piece of cake but wait; there are some disadvantages to a guaranteed issue burial policy.

When you’re considering a no exam policy, bear in mind that you may end up paying higher premiums with a guaranteed issue burial policy. You will also have a 2 year graded waiting period, which is a kind of safety net for the insurance company if something happens to you within the first year or two of buying the policy. See our guide on no exam life insurance.

A graded death benefit has a two-year waiting period (graded policy) which means that if you die from non-accidental death within the two-year waiting period, your benefits will not be paid to your beneficiary. Instead, they will only receive all the premiums you paid to the policy plus 10% interest.

If you already have purchased a burial policy, you need to check with your carrier immediately because some of them have even had a three to four-year waiting period!

For example, one company doesn’t pay the full death benefit on the graded policy until the 4th year! Why even bother with a policy like this when you are eligible for a 2-year waiting period with other carriers.


WHY WOULD I WANT A GRADED BURIAL POLICY WITH HIGH BLOOD PRESSURE?

You will always qualify for a graded or guaranteed issue policy, but why would you ever want this policy when you can be eligible for 1st-day level benefit coverage?

You have probably seen life insurance with no health questions advertised on television and in magazines in the past.

Never purchase a policy from a TV commercial or magazine advertisement if you have high blood pressure. You’ll pay too much and have to wait two years for your insurance coverage to start.


WHAT WILL THE INSURANCE COMPANIES ASK ME ABOUT MY HIGH BLOOD PRESSURE?

Aside from the typical questions about your medical history and lifestyle, the insurance carrier will also ask you the following about your high blood pressure:

  • When were you first diagnosed with high blood pressure?
  • What are your prescribed medicines to control your blood pressure levels?
  • How do you control your high blood pressure?
  • Do you use tobacco?
  • Do you have secondary hypertension?
  • What is the cause of your secondary hypertension?
  • Do you have a family history of heart disease, stroke, or high blood pressure?


WILL I BE REQUIRED TO TAKE A MEDICAL EXAM FOR A BURIAL POLICY WITH HIGH BLOOD PRESSURE?

You won’t need to go through a physical or medical exam to be eligible for burial insurance.

If you’re concerned about being assigned the highest risk category if you apply for a traditional insurance policy, you could skip the medical exam altogether to get coverage…but remember, the insurance companies don’t even care if you have well-controlled high blood pressure for a burial policy.

Burial insurance companies don’t even require a blood or urine sample to qualify!

You will only need to complete a simple health questionnaire to qualify. To get burial insurance with no waiting period is super easy, all you have to do is to apply to a company where you just answer health questions on the application.

Fill out our instant QUOTE form to get an instant quote for a no exam policy.


WHAT MEDICATION DO THE INSURANCE COMPANIES LOOK FOR WHEN I HAVE HIGH BLOOD PRESSURE?

The most common method of treatment to reduce blood pressure is for your doctor to prescribe you a prescription medication.

Doctors also commonly suggest lifestyle changes like dieting, exercise, limiting alcohol use and stopping smoking.

Certain medicines can have an immediate effect on blood pressure. 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 have hypertension when you apply for burial or final expense life insurance coverage and you’re taking one or more of these medications, most insurance companies won’t even care…how cool is that?


WILL THESE MEDICATIONS MAKE ME INELIGIBLE FOR BURIAL INSURANCE WITH HIGH BLOOD PRESSURE?

When applying for a life insurance policy with high blood pressure, the underwriters first and foremost want to see that your blood pressure is under control and they understand the steps you’re taking.

The underwriters may ask the blood pressure medication you are taking, but your medication usage will not disqualify you from purchasing a policy with immediate “day one” coverage.

Trust us, the life insurance companies want your high blood pressure to be under control vs. you not taking high blood pressure medications and having your circulatory system be damaged by high blood pressure.

There is a lot of different prescription medications used to treat high blood pressure. Don’t worry though, whatever medication you are taking, we have burial insurance companies that will gladly accept you with the best rates and coverage.

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


WHAT OPTIONS WILL THE INSURANCE COMPANY OFFER ME?

The insurance companies will treat you as if you don’t even have this medical condition!

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.

Just remember, different insurance carriers have different underwriting guidelines. You are smart if you choose to work with an independent insurance agency who knows the best companies that have the most lenient underwriting requirements for high blood pressure.

Don’t buy burial or life insurance from companies that you watched on TV or saw on the internet; they will likely offer you term life insurance or the most expensive burial insurance policies with a two-year waiting period.

They will issue a policy, but charge you more. These carriers will charge you more money for your policy because they qualify you for table ratings which charge higher premiums.

First-day coverage with the best rates. The best insurance company will qualify you for first-day coverage with their best rates. We know the best companies for your specific needs and we will help you locate them.


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.


HOW TO GET THE BEST BURIAL INSURANCE RATES WITH 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, you should work with an independent life insurance agency like Funeral Funds so you can get 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 WE HELP YOU?

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.

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