2023 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 use prescription medications to control it.
The truth is … people with high blood pressure are always approved for burial insurance!
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?
- What Types of Policies Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have High Blood Pressure, Do I Need A Medical Exam to Qualify?
- Burial Insurance Underwriting If You Have High Blood Pressure
- What Medications May Lead to Approvals or Denials?
- How Much Insurance Do I Need If I Have High Blood Pressure?
- How Should I Pay My Premiums?
- High Blood Pressure and Burial Insurance Riders
- What Are the Benefits of Burial Insurance?
- When Is the Best Time to Get Burial Insurance with High Blood Pressure?
- How to Get the Best Burial Insurance Rates for High Blood Pressure
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With High Blood Pressure
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.
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 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 High Blood Pressure, Do I Need A Medical Exam To Qualify?
You don’t need 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.
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 through 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 the insurance companies will not accept some combinations.
None of the insurance companies will care if you take prescription medications for high blood pressure and want to purchase a burial or funeral policy. If they don’t even ask about your high blood pressure on the health questionnaire, they are perfectly okay with it.
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 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.
Most of the people we help find monthly payments 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 it and ensure it fits your specific needs. There is an additional cost if you 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-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included 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 is 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 locked into a rate at your current age, which 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 as we get older. Getting younger is impossible because we get older each year.
You’re wrong if you think you need to lose weight first to get the best rate. Many people decide to lose weight; up until now, they haven’t lost weight and still 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 premiums. 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 based on age, sex, and where you live in the United States.
We can help you find the best life insurance for high blood pressure if you have high blood pressure. An independent life insurance agency like Funeral Funds 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 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 the top-rated life insurance companies in the market today. We can help you find the burial insurance carrier that best fits your needs and budget.
If you have additional questions about finding life insurance with high blood pressure or getting life insurance quotes, please call us at (888)862-9456 we will help you.
Additional Questions & Answers On Burial Insurance With High Blood Pressure
Can you get life insurance if you have high blood pressure?
Yes, you can get life insurance with high blood pressure. However, your health history will also be considered when determining your premiums.
Does high blood pressure disqualify you from life insurance?
No, high blood pressure does not disqualify you from life insurance. However, it may affect your premiums.
Is burial insurance more expensive if you have high blood pressure?
No, burial insurance is not more expensive if you have high blood pressure. However, your premiums will be based on your health history.
Is high blood pressure classed as a critical illness?
No, high blood pressure is not classed as a critical illness. However, it can lead to other health problems that may be classified as critical illnesses.
Can you get burial insurance if you have high blood pressure?
If you have high blood pressure, don’t worry – you can still get burial insurance. However, your premiums will be based on your health history.
Is high blood pressure considered a heart condition?
No, high blood pressure is not considered a heart condition. However, it can lead to other health problems that may be classified as heart conditions.
Do you need to take a medical exam if you have high blood pressure?
No, you do not need to take a medical exam if you have high blood pressure. However, you will need to answer some health questions.
Can drinking lots of water lower blood pressure?
No evidence drinking lots of water can lower blood pressure. However, staying hydrated is important for your overall health.
What are the long-term effects of high blood pressure?
If left untreated, high blood pressure can lead to several health problems, including:
- Heart attack
- Stroke
- Kidney failure
- Vision loss
- Erectile dysfunction
- Dementia
Can you get funeral insurance if you have high blood pressure?
Yes, you can get funeral insurance with high blood pressure. However, your premiums will be based on your health history. So, it’s important to stay on top of your blood pressure and take any necessary medication to keep it under control.
Does having high blood pressure affect your insurance?
Yes, high blood pressure can affect your insurance. High blood pressure is a risk factor for many serious health conditions, such as heart attack and stroke.
Is there any way to get life insurance with high blood pressure?
Yes, there is a way to get life insurance with high blood pressure. However, your premiums will be based on your health history. It’s essential to stay on top of your blood pressure and take any necessary medication to keep it under control.
What are the 4 stages of hypertension?
There are 4 stages of hypertension:
- Stage 1 – Normal blood pressure, but a high risk for developing hypertension.
- Stage 2 – Elevated blood pressure, but not yet at the level of hypertension.
- Stage 3 – Hypertension, or high blood pressure.
- Stage 4 – Severe hypertension, which is a life-threatening condition.
Is high blood pressure a pre-existing condition for insurance?
High blood pressure is a pre-existing condition for insurance. However, if you have high blood pressure and want to purchase insurance, your premiums will be based on your health history.
Can you get cremation insurance if you have high blood pressure?
Yes, you can get cremation insurance with high blood pressure. However, your premiums will be based on your health history. So, it’s important to stay on top of your blood pressure and take any necessary medication to keep it under control.
Does having high blood pressure affect your insurance?
Yes, high blood pressure can affect your insurance. High blood pressure is a risk factor for many serious health conditions, such as heart attack and stroke. If you have high blood pressure, it’s important to stay on top of your health and take any necessary medication to keep it under control.
What is the main cause of high blood pressure?
There is no one cause of high blood pressure. However, there are some risk factors, including:
- Age
- Race
- Family history
- Sodium intake
- Excess weight
- Lack of exercise
- Stress
Is high blood pressure a critical illness?
No, high blood pressure is not a critical illness. However, if left untreated, it can lead to many serious health problems, such as heart attack and stroke.
Is high blood pressure considered a heart condition?
Yes, high blood pressure is considered a heart condition. This is because high blood pressure can lead to some serious health problems, including heart attack and stroke.
Can you get final expense life insurance with high blood pressure?
Yes, you can get final expense life insurance with high blood pressure. However, your premiums will be based on your health history.
What time of day is blood pressure highest?
Blood pressure is highest in the morning. This is because your body is still adjusting to the day’s activities. It’s important to monitor your blood pressure closely and take any necessary medication to keep it under control.
What are the risks associated with high blood pressure?
There are some risks associated with high blood pressure, including:
- Heart attack
- Stroke
- Aneurysm
- Kidney damage
- Vision loss
What is stroke level blood pressure?
There is no such thing as stroke level blood pressure. However, if your blood pressure is high enough, it can put you at risk for a stroke.
Is high blood pressure considered a disability?
No, high blood pressure is not considered a disability. However, if left untreated, it can lead to some health problems that may affect your ability to work.
Can you get life insurance with high blood pressure and diabetes?
Yes, you can get life insurance with high blood pressure and diabetes. However, your premiums will be based on your health history.
Is high blood pressure an underlying condition for COVID-19?
No, high blood pressure is not an underlying condition for COVID-19. However, it is a risk factor for many serious health conditions, including heart attack and stroke. If you have high blood pressure, it’s important to stay on top of your health and take any necessary medication to keep it under control.
Can Covid cause high blood pressure and high heart rate?
There is no evidence suggesting that Covid can cause high blood pressure and heart rate. However, if you are already affected by either condition, it’s important to stay on top of your health and take any necessary medication to keep it under control.
What should I do if my blood pressure is 160 over 100?
You should see a doctor immediately if your blood pressure is 160 over 100. This blood pressure level is considered high and can put you at risk for several serious health problems, including heart attack and stroke.
Can lack of sleep cause high blood pressure?
No evidence suggests that lack of sleep can cause high blood pressure. However, if you are already affected by high blood pressure, it’s important to get enough sleep and take any necessary medication to keep it under control.
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