2024 Affordable Burial Insurance with a Pacemaker
last updated on April 3, 2024While having a pacemaker may complicate getting burial insurance, you can still get funeral or burial life insurance with a pacemaker.
If you had been denied life insurance in the past due to your pacemaker, there is hope for you! Don’t assume that if you have been denied coverage before that you can’t get burial insurance because you have a pacemaker.
This article was written to help you understand burial insurance and pacemakers, what to expect, and what you can do to get the best policy that fits your needs.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a Pacemaker?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Pacemaker, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have a Pacemaker
- How Much Insurance Do I Need If I Have a Pacemaker?
- How Should I Pay My Premiums?
- Pacemaker and Burial Insurance Riders
- Information We Need if You Have a Pacemaker?
- How to Find Affordable Burial Insurance with a Pacemaker?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with a Pacemaker
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Pacemaker
What Is My Best Insurance Option If I Have A Pacemaker?
A pacemaker implant qualifies as circulatory surgery.
How long your pacemaker was implanted will be an essential factor in determining your approval and premium amount.
IF YOUR PACEMAKER WAS IMPLANTED WITHIN THE LAST 24 MONTHS
If your pacemaker was implanted within the previous 24 months, your best option for life insurance coverage is a first-day benefit.
Best Option: First-day Benefit
A first-day benefit plan offers coverage from the first day, and your death benefit is phased in over time.
IF YOUR PACEMAKER WAS IMPLANTED OVER TWO YEARS AGO
You have the best options if your pacemaker was implanted over two years ago.
Best Option: First-day Coverage
Most burial insurance companies offer level rates (price never changes) to pacemaker applicants that fall under this category. You will qualify for first-day coverage, and you will pay the least amount of premium possible.
Common Heart Conditions That Require The Implantation Of A Pacemaker:
- Bradycardia – a slow heartbeat that can result from a blockage in the artery or the 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
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 Pacemaker, 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 with a pacemaker.
When you apply for burial insurance, you only have to answer some 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 Pacemaker
Burial insurance companies with underwriting ask some health questions on the application. They also perform prescription history checks to verify your health status.
A pacemaker impacts burial insurance applications because it would qualify as a heart or circulatory surgery. Every life insurance company will ask about a heart or circulatory surgery on the application.
Insurance companies typically ask about circulatory surgery within a specific time frame.
You will typically see it asked this way:
- Within the past 2 years, have you had or been diagnosed with heart or circulatory surgery?
- During the past 24 months, have you been diagnosed with heart or circulatory surgery, including pacemaker, heart valve replacement, bypass angioplasty, stent implant, or any procedure to improve circulation to the heart?
- Have you been medically diagnosed as having or been treated for heart or circulatory surgery (including pacemaker, bypass, heart valve replacement, angioplasty, or stent implant) or any procedure to improve circulation to the heart or brain?
Since a pacemaker implant qualifies as a heart or circulatory surgery, you would have to answer yes to any of these questions if it falls within the specified timeframe.
How Much Insurance Do I Need If I Have A Pacemaker?
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.
Pacemaker 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 |
Information We Need If You Have A Pacemaker?
When applying for burial insurance with a pacemaker implant, you must provide as much information as possible. Your information will help us understand your current health and provide an accurate quote.
If you have a pacemaker implant, we would like to ask to some health questions, which include:
- When did you have your pacemaker implanted?
- Why did you have a pacemaker?
- 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?
How To Find Affordable Burial Insurance With A Pacemaker
Finding a company that looks upon this situation most favorably is finding affordable burial insurance with a pacemaker.
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 low-cost burial insurance coverage without a medical exam.
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.
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 With A Pacemaker
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with a pacemaker
- Cremation insurance plan with a pacemaker
- Funeral home insurance plan with a pacemaker
- Final Expense insurance plan with a pacemaker
- Prepaid funeral plan insurance with a pacemaker
- Mortgage payment protection plan with a pacemaker
- Mortgage payoff life insurance plan with a pacemaker
- Deceased spouse’s income replacement plan with a pacemaker
- Legacy insurance gift plan to family or loved ones with a pacemaker
- Medical or doctor bill life insurance plan with a pacemaker
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 if you have a pacemaker can be frustrating, 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 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.
Additional Questions & Answers On Burial Insurance With A Pacemaker
Can you get life insurance if you have a pacemaker?
Yes, you can still get life insurance if you have a pacemaker. However, the insurer may require you to have a pacemaker installed for two years or longer to offer a first-day coverage plan.
Is a pacemaker implant considered surgery in life insurance?
Yes, a pacemaker implant is considered surgery in life insurance.
Is a pacemaker use a pre-existing condition for life insurance?
The reason for pacemaker installation is considered a pre-existing condition in life insurance.
Do I need to tell insurance about my pacemaker?
Yes, you need to tell your insurer about your pacemaker. Failure to disclose this information could lead to a policy being voided.
Can a person with a pacemaker get burial insurance?
Yes, a person with a pacemaker can get burial insurance. You can even qualify for a first-day coverage plan if your pacemaker was installed two years ago or longer.
Do I need to take a medical exam if I have a pacemaker?
No, you do not need to take a medical exam if you have a pacemaker.
Is there an age limit for burial insurance with a pacemaker?
The typical age limit for burial insurance with a pacemaker is 65 years old.
Can I get insurance if I have a pacemaker and blood thinners?
Yes, you can get insurance if you have a pacemaker and blood thinners.
Can you get first-day coverage insurance if you have a pacemaker?
Yes, you can get first-day coverage insurance if you have a pacemaker. In most cases, you must have had the pacemaker installed for two years or longer.
What are the things that may affect my eligibility if I have a pacemaker?
The following factors could affect your eligibility for life insurance if you have a pacemaker:
- The reason for the pacemaker implant
- How long ago was the pacemaker implanted
- The condition of the pacemaker
- Your age
- Your health history
- The type of life insurance you are applying for
- The insurer’s underwriting guidelines
Is it harder to get life insurance if you have a pacemaker?
No, it is not harder to get life insurance if you have a pacemaker. However, the insurer may require you to have a pacemaker installed for two years or longer to offer a first-day coverage plan.
What is the life expectancy after pacemaker surgery?
There is no set life expectancy after pacemaker surgery. It depends on the individual’s health and other factors.
Which insurance is best for patients with pacemakers?
Patients with pacemakers should consult an independent life insurance agent to find the best insurance.
Can I qualify for cremation insurance with a pacemaker?
Yes, you can qualify for cremation insurance with a pacemaker. You may even be eligible for a first-day coverage plan.
How do you get life insurance after pacemaker installation?
You can get life insurance after pacemaker installation by contacting an independent life insurance agent from Funeral Funds.
Can I have a pacemaker and still be eligible for life insurance?
Yes, you can have a pacemaker and still be eligible for life insurance. However, the insurer may require you to have a pacemaker installed for two years or longer to offer a first-day coverage plan.
What is my best insurance option if I have a pacemaker?
Patients with pacemakers should consult an independent life insurance agent to find the best insurance.
Is pacemaker installation fatal in life insurance?
No, pacemaker installation is not fatal in life insurance. However, the insurer may require you to have a pacemaker installed for two years or longer to offer a first-day coverage plan.
Can you be denied insurance for a pacemaker?
Yes, a recent pacemaker installation may cause your insurance application to be denied.
Is there a waiting period for life insurance with a pacemaker?
In most cases, life insurance with a pacemaker has a two-year waiting period. The insurer may require you to have a pacemaker installed for two years or longer to offer a first-day coverage plan.
Can pacemaker use affect your life insurance rates?
Yes, pacemaker use may affect your life insurance rates. The insurer may require you to have a pacemaker installed for two years or longer to offer a first-day coverage plan.
What are the premiums for burial insurance with a pacemaker?
The premiums for burial insurance with a pacemaker vary depending on the applicant’s age, health history, and other factors.
What is the average cost of life insurance for someone with a pacemaker?
The average cost of life insurance for someone with a pacemaker depends on his age, gender, coverage amount, and general health.
Can pacemaker users get final expense insurance?
Yes, pacemaker users can get final expense insurance. In most cases, they are eligible for a first-day coverage plan.
What is the life expectancy of a person with a pacemaker?
There is no set life expectancy for a person with a pacemaker. It depends on the individual’s health and other factors.
Can pacemaker use affect life insurance?
Yes, pacemaker use may affect life insurance rates. The insurer may require you to install a pacemaker for two years or longer to offer the best plan.
Can you be rejected for life insurance because of a pacemaker?
Yes, you can be rejected for life insurance because of a recent pacemaker installation. The insurer may require you to install a pacemaker for two years or longer to offer the best plan.
How can you get the best life insurance rates with a pacemaker?
Patients with pacemakers should consult an independent life insurance agent to find the best insurance.
What is the best insurance option for people with pacemakers?
The best insurance option for people with pacemakers is a first-day coverage plan. However, he must have a pacemaker installation for two years or longer in order to qualify for this plan.
What are the best life insurance companies for pacemaker users?
The best life insurance companies for pacemaker users vary depending on the individual’s needs and preferences. Patients should consult an independent life insurance agent to find the best company.
What are some tips for getting life insurance with a pacemaker?
Some tips for getting life insurance with a pacemaker are to consult with an independent life insurance agent at Funeral Funds to compare rates and be honest about your health history. It is also important to disclose all your medical conditions, including pacemaker use.
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