Can you get an affordable funeral or burial insurance with a pacemaker? While you think having a pacemaker may complicate the process of getting burial insurance, it’s not impossible. You can still get funeral or burial life insurance with a pacemaker. Technology is now improving the quality of the devices, and people are now living normal lives for decades as a result of having a pacemaker.
If you had been denied life insurance in the past due to your pacemaker, there is hope for you! Don’t assume you can’t get burial insurance because you have a pacemaker. More and more Americans are having pacemakers implanted and pacemakers are becoming increasingly common as the population in the United States gets older.
Life insurance companies are much more open to pacemaker patients! They recognized this opportunity, and many have made adjustments to accommodate the demand for people who have pacemakers.
If you are looking for a burial insurance plan and you have a pacemaker, keep on reading. This article was written to help you understand pacemakers and burial insurance, what to expect and what you can do to get the best policy that is fitted to your individual needs.
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WHAT IS A PACEMAKER?
A pacemaker is an electrically-charged medical device that is used to regulate the heart rhythm. It is installed in the chest or abdomen and connected to the heart muscle by wires. It is used to treat arrhythmias or problems with the rhythm of the heart.
During an arrhythmia, the heart can beat too slowly, too fast, or with an irregular rhythm. By controlling the rhythm of the heart, you can achieve a normal heartbeat and can live a normal life.
Modern pacemakers have two parts. One part is the pulse generator that contains the battery and the electronics that control the heartbeat. The second part is the leads that send electrical signals to the heart. The leads are small wires that run from the pulse generator to the heart. The battery powers the generator and they are surrounded by a thin metal box. The leads connect the generator to the heart.
Pacemakers can be used temporarily or permanently.
Permanent pacemakers are used to manage long-term heart rhythm problems. Sometimes the pacemaker use is only temporary to control certain types of heart problems such as slow heartbeat that’s caused by heart attack or heart surgery.
Tachyarrhythmia is also one condition that requires temporary use of a pacemaker. Tachyarrhythmia is a condition that can be brought by emotional stress, exercise or excessive alcohol consumption. You may also need a temporary pacemaker if a medication overdose temporarily slowed the heart.
Children, teens, and adults may be required to use pacemakers. They may also be recommended for people who have certain types of congenital heart disease or those who have had heart transplants. Your physician will consider any arrhythmia symptoms you have such as dizziness, shortness of breath or fainting before recommending a pacemaker.
Common heart conditions that require the implantation of a pacemaker include:
- Bradycardia – a slow heartbeat that can result from a blockage in the artery or use of certain medications.
- Tachycardia – a heartbeat that’s too fast
- Atrial fibrillation – irregular heartbeat
- Chronic arrhythmia – more serious irregular heartbeat often caused by heart disease
- Cardiomyopathy – unspecified heart muscle disorders
- Syncope – fainting spells
- Congestive heart failure
Arrhythmias are caused by faulty electrical signaling.
During an arrhythmia, the heart is not able to pump enough blood to the body. It can cause symptoms such as fatigue, lightheadedness, shortness of breath and fainting. Severe arrhythmias can damage the vital organs and may even cause you to lose consciousness or result in death.
A pacemaker can relieve the symptoms of arrhythmia and other conditions such as:
- Help control fast heart rhythm
- Speed up a slow heart rhythm
- Prevent dangerous arrhythmias triggered by a disorder called long QT syndrome.
- Coordinate electrical signals between the upper and lower chambers of the heart
- Coordinate electrical signaling between the ventricles,
- Make sure the ventricles of the heart contract normally if the atria are quivering instead of beating with a normal rhythm; this condition is called atrial fibrillation.
- Monitor and record the heart’s electrical activity
- Monitor the blood temperature and breathing rate
- Adjust the heart rate to changes in activity
Things you need to avoid when you have a pacemaker
Once you have a pacemaker, you need to avoid close or prolonged contact with electrical devices that have strong magnetic fields.
Devices that can interfere with the pacemaker include:
- Cellphones, MP3 players and all wireless phones
- CB radios & transmitters
- Microwave ovens
- Metal detectors
- High-tension wires
- Electrical generators
- Industrial welders
- Induction cooktops
- Electric Kilns
- Electric pet fences
These devices can disturb the electrical signaling of the pacemaker and stop it from working properly.
How the device can disrupt the pacemaker depends on how long you’re exposed to it and how close it is to your pacemaker. To be safe avoid putting your cell phone or MP3 player in the shirt pocket over your pacemaker. Hold the cell phone to the ear that’s opposite the location of your pacemaker implant.
You can still use appliances, but avoid close and prolonged exposure because it may interfere with the pacemaker. You should refrain from sitting or standing close to a security system metal detector. Walk by the security system metal detectors at a normal pace but notify security staff that you have a pacemaker. Security staff can inspect you with a metal detector wand as long as it is not too close to your pacemaker.
Some medical procedures can disrupt your pacemaker.
These procedures include:
- Shock-wave lithotripsy to get rid of kidney stones
- Magnetic resonance imaging
- Electrocauterization to stop bleeding during surgery
Inform your doctors, dentist, and medical technicians that you have a pacemaker. Request your doctor to give you a card that states what kind of pacemaker you have. Carry this card in your wallet. You may also use a medical ID bracelet or necklace that says that you have a pacemaker.
QUESTIONS THE INSURANCE COMPANY WILL LIKELY ASK IF YOU HAVE A PACEMAKER
The insurance company you apply with will ask you some questions before approving your policy.
They will make sure that you had your pacemaker for at least three to twelve months without complication. If you recently had your pacemaker implanted, they will usually recommend waiting at least 90 days before applying for a policy. This is because they want to see that your pacemaker is successfully treating the condition it was installed in the first place.
To get approved for the best funeral plans, the insurance companies will want to know more about:
- When did you have your pacemaker implanted?
- Why did you have a pacemaker?
- Who advised you to acquire a pacemaker a cardiologist or a general physician?
- Do you have symptoms of heart disease?
- Have you had a stroke or heart attack?
- Have you been hospitalized in the last two years?
- Are you currently taking any prescription drugs?
- Have you used nicotine or any tobacco products in the last year?
BURIAL INSURANCE WITH A PACEMAKER
Having a pacemaker implanted does not mean you will be automatically denied funeral, final expense or burial insurance coverage. It is rarely an issue with burial insurance companies.
Having a history of pacemaker use to resolve your heart issues will not be a barrier to securing affordable burial insurance with no waiting period.
The only time a pacemaker becomes an issue is if you had it recently implanted. If your pacemaker was implanted over a year ago, there are insurance companies that will offer you immediate coverage with the lowest rate. However, if it was implanted within the last year, you may need to pay a higher premium.
You don’t need to provide medical records or take a medical exam to qualify for funeral insurance or burial insurance. You will only need to answer some health questions. No burial insurance plan will require you to take a medical exam or have you provide medical records.
HOW FUNERAL AND BURIAL INSURANCE COMPANIES UNDERWRITE PACEMAKER APPLICANTS
A pacemaker may have an impact on burial insurance application because it would qualify as a heart or circulatory surgery. Every life insurance company will ask about a heart or circulatory surgery.
They usually ask about it if it happened within a specific time frame. Here’s what to know about life insurance with a pacemaker.
You will typically see it asked this way:
- Have you had any type of heart or circulatory surgery within the past 12 months?
- Have you had any type of heart surgery within the past 24 months?
Since pacemaker implantation qualifies as a heart or circulatory surgery, you would have to answer yes to any of these questions if it falls within one of the specified timeframes.
How long your pacemaker was implanted will be an essential factor in determining your approval and premium amount.
Your pacemaker was implanted within the last 12 months
If your pacemaker was implanted within the previous 12 months, you may need to pay a slightly higher premium than healthy individuals. You will only qualify for life insurance without health questions.
You will often pay 15 to 30% more, and you will have a waiting period on your policy. This is a two-year waiting period where you are not fully covered during this time.
If you pass away during the waiting period, your beneficiary will receive a refund of all the premiums you paid plus interest which is typically 10%. If you pass away after the two-year waiting period, your beneficiaries will receive the full death benefit.
There is no way to avoid these requirements if you fall under this category.
Your pacemaker was implanted over a year ago but within the last 24 months
There are burial insurance companies that ask about heart or circulatory surgeries within the previous 12 months. Since your operation is over a year, you can say “no” to this question. You would qualify for level death benefit without a waiting period. You are immediately covered from day one, and you would pay the lowest possible rate.
There are only a few companies that look back one year for a pacemaker. Most companies look back two years. We know these companies, and we will help you get approved on one of those companies. Hopefully, you don’t have any medical issues that may prevent you from qualifying on those companies that look back 12 months.
Your pacemaker was implanted over two years ago
If your pacemaker was implanted over two years ago, you have the best options.
Most burial insurance companies offer level rates to pacemaker applicants that fall under this category. You will qualify for immediate coverage and you will pay the least amount of premium possible.
WHAT IF YOUR APPLICATION WAS DENIED DUE TO PACEMAKER?
There could be a number of reasons why you were previously denied for life insurance. In most cases, you probably applied to the wrong company.
Some life insurance carriers are more lenient with approvals with pacemaker applicant than others.
Life insurance companies approve applications based on calculated mortality risk. The factors that will determine your risk include your age, overall health, lifestyle, and family history.
While having a pacemaker may not prevent you from being approved, your health and lifestyle issues like smoking or having diabetes can.
If you recently had your pacemaker implanted, you might be denied with some companies.
The biggest factor in the decision of your approval is the time when you had the pacemaker installed. You may have to wait at least three months before applying for burial insurance.
Most companies have a waiting period because some people have issues with their pacemaker or complications from their surgery that they encounter within the first three months of implantation.
If you recently had your pacemaker installed and you want to apply for burial insurance, you will likely qualify for guaranteed issue policies. These are the most popular life insurance policies because you will be approved regardless of your health.
A guaranteed issue policy does not require a medical exam and health questions. It is important to note that this policy has a two-year waiting period and more expensive than policies with a health question. Unfortunately, insurance companies do not view pacemakers the same.
If you have a pacemaker recently installed then a guaranteed issue policy will likely be your best option.
The life insurance companies want to see that pacemaker improved your life. If a few months have passed since your application was denied, and you haven’t had any infections, you may be eligible for immediate coverage. We can help you apply with a company that looks at pacemaker favorably.
HOW TO FIND AFFORDABLE BURIAL INSURANCE WITH A PACEMAKER
The key to finding affordable burial insurance with a pacemaker is finding a company that looks upon this situation most favorably.
Insurance for pacemaker patients’ approval is based on your overall health and lifestyle, so if you have other health issues like diabetes, you may be looking at a more expensive premium. This is the reason why it is so important to work with an independent life insurance agency that can match you with the right company.
If you are seeking burial insurance coverage after having a pacemaker implant, we can help. We know which A-rated life insurance carriers will provide you with low-cost burial insurance coverage without a medical exam. Fill out our instant quote form on this page to get an accurate quote or call us at (888)862-9456 to discuss your options.
We will do our best to get you the lowest cost coverage for your pacemaker condition. Our agents at Funeral Funds know the most affordable coverage options with the best burial companies for your situation. We will assist you in obtaining the burial coverage you need at the rate within your budget.
HOW CAN FUNERAL FUNDS HELP YOU?
Trying to find a policy if you have a pacemaker can be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a pacemaker installed, let us help you; we will work with you side by side to find a plan that fits your needs.
You don’t need to waste your precious time searching for different insurance companies; we will do the work for you. We can shop your case to different companies to get your application approved.
Here at Funeral Funds, we specialize in obtaining life insurance coverage for people with a history of pacemaker usage.
We work with many A-rated insurance companies that specialize in high-risk clients. We will search those companies to give you the best rate ever. We’ll match you up with your best funeral and burial insurance option.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for burial insurance with a pacemaker 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.