2024 Burial Insurance with Peripheral Vascular Disease (PVD or PAD)
last updated on July 22, 2024If you are looking for affordable burial insurance with peripheral vascular disease or peripheral artery disease, we can help.
Even if you had bypass surgery, angioplasty, or stents to treat your heart condition, you would still have affordable options.
This article will show how you can also find and purchase affordable burial insurance with peripheral vascular or peripheral artery disease. Within a few minutes, you will have a complete picture of how to get the best plan if you have PVD or PAD.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Peripheral Vascular Disease?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Peripheral Vascular Disease, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Peripheral Vascular Disease
- How Much Insurance Do I Need If I Have Peripheral Vascular Disease?
- How Should I Pay My Premiums?
- Peripheral Vascular Disease and Burial Insurance Riders
- Information We Need if You Have Peripheral Vascular Disease
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Peripheral Vascular Disease
- What If I Have Been Denied Life Insurance Coverage Because of PVD?
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance With Peripheral Vascular Disease
What Is My Best Insurance Option If I Have A History Of Peripheral Vascular Disease?
EARLY-STAGE PERIPHERAL VASCULAR DISEASE
If your peripheral vascular disease is still in the early stage where you only use medications to treat your condition, the best option for you is a level death benefit plan with first-day coverage.
You will be covered from the first day, and your beneficiary will receive your full death benefit when you pass away.
Best Option: Level death benefit plan with first-day coverage.
ADVANCED PERIPHERAL VASCULAR DISEASE
The advanced stage of peripheral vascular disease requires more aggressive forms of treatment. Surgery will be necessary to treat the complications of PVD.
The common surgeries to treat PVD or PAD include:
- Angioplasty – helps open up the artery and increase blood flow to the heart.
- Bypass grafting – a graft is placed around the blocked artery to restore blood flow to the heart.
- Stent implant – small mesh wires are inserted into the diseased artery to prevent it from re-closing and to prevent blood clots from forming in the artery.
If you had any of these procedures to treat your condition, it is crucial to remember that when you had the surgery will determine what type of burial insurance you will qualify for.
IF YOUR SURGERY WAS OVER 2 YEARS NOW
If your surgery is over two years, you will have the best-priced options available.
Burial insurance companies will offer you a level death benefit plan with first-day coverage at the lowest possible premium. You will be treated like you never had surgery in the first place!
Best Option: Level death benefit plan with first-day coverage
IF YOUR SURGERY IS WITHIN 12 MONTHS
You will qualify for a first-day benefit plan if you have had any surgical procedures in the last 12 months. No insurance company would offer you first-day coverage if your surgery were within the last year.
The first-day benefit plan will cover you from the first day, and your death benefit will be phased in over time.
Best Option: First-day benefit plan
AMPUTATION
Having an amputation due to peripheral artery disease can also affect your life insurance eligibility. If your peripheral vascular disease caused you to have an amputation, your best insurance option is a first-day benefit plan.
You will be covered from the first day, and your death benefit will be phased in over time.
Best Option: First-day benefit plan
SMOKING
Avoiding smoking increases your risk of developing a peripheral vascular disease. Smoking directly causes reduced blood flow in the arteries. It also causes PVD to get worse, increasing your risk of stroke and heart attack.
Smoking is a significant factor in determining your risk, and life insurance rates for smokers are 200 to 300% higher than non-smoker rates.
Best Option: If you are a non-smoker, you will qualify for discounted pricing
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 Peripheral Vascular Disease, 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 peripheral vascular disease or peripheral artery disease.
When you apply for burial insurance, you only have to answer 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 Peripheral Vascular Disease
Burial insurance companies have two ways of underwriting:
FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history to verify your health.
HEALTH QUESTIONS
Burial insurance with underwriting will ask you health questions. To give you an idea, here are some sample questions you might see on the application that asks about peripheral vascular disease:
- In the past 12 months, have you been diagnosed or treated with a peripheral vascular disease?
- Have you ever received treatment for peripheral vascular disease or peripheral artery disease?
- In the past two years have you been diagnosed or treated, or been prescribed medication, or had circulatory surgery?
- In the past two years, have you been prescribed medication or treated for cardiovascular disorder or stroke?
PRESCRIPTION HISTORY CHECK
Burial insurance companies will electronically check your prescription history to check for medications for peripheral vascular disease and other medical conditions.
Medications used to treat peripheral vascular disease depend on the underlying cause of your PVD or PAD. Medications are used to lower the risk of atherosclerosis in the arteries.
Here’s a list of common medications for peripheral vascular disease or peripheral artery disease:
- Aspirin
- Atorvastatin
- Cilostazol
- Clopidogrel
- Dipyridamole
- Naftidrofuryl oxalate
- Pentoxifylline
- Simvastatin
- Ticlopidine
If you are taking any of these prescription drugs, you will be considered a PVD patient this may affect how much you pay and if you will have a waiting period.
How Much Insurance Do I Need If I Have Peripheral Vascular Disease?
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.
Peripheral Vascular Disease 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 other riders 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 Peripheral Vascular Disease
We will ask you several health and lifestyle questions to determine whether your peripheral vascular disease is in the early stage or advanced. Your answers to these questions are essential because this will help us determine which company best fits your needs.
- When were you diagnosed with peripheral artery disease or peripheral vascular disease?
- How old were you when you were first diagnosed with PVD/PAD?
- Have you ever had any severe complications from peripheral vascular disease?
- Are you currently undergoing treatment?
- What kind of treatments have you had for peripheral vascular disease?
- Have you had any invasive treatment, such as surgery?
- If you had surgery, when was the surgery? Did you have any complications?
- Are you currently on any medications to treat peripheral vascular disease?
- Do you have other medical conditions other than PVD?
We will use this information to determine which plans you will qualify for and what your pricing will be. If your PVD is accompanied by other medical conditions such as high cholesterol, diabetes, and high blood pressure, or if you had a heart attack or stroke, you will need to tell us as well.
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 Peripheral Vascular Disease
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with peripheral vascular disease or peripheral artery disease
- Cremation insurance plan with peripheral vascular disease or peripheral artery disease
- Funeral home insurance plan with peripheral vascular disease or peripheral artery disease
- Final Expense insurance plan with peripheral vascular disease or peripheral artery disease
- Prepaid funeral plan insurance with peripheral vascular disease or peripheral artery disease
- Mortgage payment protection plan with peripheral vascular disease or peripheral artery disease
- Mortgage payoff life insurance plan with peripheral vascular disease or peripheral artery disease
- Deceased spouse’s income replacement plan with peripheral vascular disease or peripheral artery disease
- Legacy insurance gift plan to family or loved ones with peripheral vascular disease or peripheral artery disease
- Medical or doctor bill life insurance plan with peripheral vascular disease or peripheral artery disease
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.
What If I Have Been Denied Life Insurance Coverage Because Of PVD?
If you have been rejected for a life insurance policy because of peripheral vascular disease or anything else, then you should know that life insurance companies are all different. One may reject your application, and another may underwrite your policy.
If your insurance application was denied in the past because of your medical condition, you should not resign yourself to living without any life insurance protection.
The truth is applying to the wrong insurance company may cause your rejection, which is when an independent life insurance agency like Funeral Funds can help.
How Can Funeral Funds Help Me?
Finding a policy with peripheral vascular disease needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the dirty work for you.
We work with many A+ rated insurance carriers specializing in covering high-risk clients like you. We will search all those companies and match you with the best burial insurance company that gives the best rate.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for peripheral vascular disease funeral insurance, peripheral vascular disease burial insurance, or peripheral vascular disease life insurance, 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 Peripheral Vascular Disease
Can you get life insurance with peripheral vascular disease?
Yes, you can get life insurance with peripheral vascular disease. In fact, some insurance companies will offer you a first-day coverage plan if your heart surgery from PVD or PAD has been two years or longer.
Is peripheral vascular disease considered heart disease for life insurance?
Peripheral vascular disease (PVD) is considered heart disease for life insurance purposes. This is because PVD can lead to heart attacks or strokes.
Can I get life insurance if I have a heart condition?
Yes, you can get life insurance if you have a heart condition.
What is considered heart disease for life insurance?
Conditions that are typically considered heart disease for life insurance include: coronary artery disease, congestive heart failure, cardiomyopathy, and valvular heart disease.
Is peripheral vascular disease a pre-existing condition for life insurance?
Peripheral vascular disease (PVD) is a pre-existing condition for life insurance.
What is pre-existing heart condition?
A pre-existing heart condition is a condition that you have been diagnosed with before applying for life insurance.
Do I need to take a medical exam if I have a peripheral vascular disease?
No, you do not need to take a medical exam if you have peripheral vascular disease.
Is there an age limit for burial insurance with peripheral artery disease?
The typical age limit for burial insurance with peripheral artery disease is 85 years old.
Can you get first-day coverage insurance if you have a peripheral vascular disease?
Yes, you can get first-day coverage insurance if you have a peripheral vascular disease. Some insurance companies will offer you a first-day coverage plan if your heart surgery from PVD or PAD has been two years or longer.
Can I get burial insurance with peripheral vascular disease?
Yes, you can get burial insurance with peripheral vascular disease.
Do I need to tell insurance about peripheral vascular disease?
Yes, you need to tell your insurance company about your peripheral vascular disease. This is because PVD is considered a pre-existing condition for life insurance.
Can peripheral vascular disease affect life insurance?
Yes, peripheral vascular disease can affect your life insurance rates. This is because PVD is considered a pre-existing condition for life insurance.
What are the chances of getting life insurance with peripheral artery disease?
The chances of getting life insurance with peripheral artery disease are good. Some insurance companies will offer you a first-day coverage plan if your heart surgery from PVD or PAD has been two years or longer.
Can I get insurance after peripheral vascular disease and amputation?
Yes, you can get insurance after peripheral vascular disease and amputation. Some insurance companies will offer you a first-day coverage plan if your amputation has been two years or longer.
Can I qualify for cremation insurance with a history of peripheral vascular disease?
Yes, you can qualify for cremation insurance with a history of peripheral vascular disease.
What do I need to get burial insurance with peripheral vascular disease?
To get burial insurance with peripheral vascular disease, you will need to work with a qualified insurance agent.
Is peripheral vascular disease a critical illness?
No, peripheral vascular disease is not a critical illness.
Is it hard to get approved for life insurance if you have a peripheral vascular disease?
It is not hard to get approved for life insurance if you have a peripheral vascular disease. Some insurance companies will offer you a first-day coverage plan if your heart surgery from PVD or PAD has been two years or longer.
What is my best insurance option if I have a peripheral vascular disease?
The best insurance option for you will depend on your individual situation. You should work with a qualified insurance agent to find the best policy for you.
Can peripheral artery disease medication affect my premium?
Yes, your peripheral artery disease medication can affect your premium. This is because PVD is considered a pre-existing condition for life insurance.
Is there a waiting period for life insurance with peripheral vascular disease?
Yes, there is a waiting period for life insurance with peripheral vascular disease. Most life insurance companies will require you to have your heart surgery over two years before offering a first-day coverage plan.
Is peripheral vascular disease a death sentence?
No, peripheral vascular disease is not a death sentence.
What are the things that may affect my eligibility if I have a peripheral vascular disease?
The things that may affect your eligibility if you have a peripheral vascular disease are:
- Your heart surgery from PVD or PAD
- The time that passed after the heart surgery
Can you be denied insurance for peripheral vascular disease?
Yes, you can be denied insurance for peripheral vascular disease if your heart surgery is very recent.
Is peripheral vascular disease a disability?
No, peripheral vascular disease is not a disability.
Is peripheral vascular disease fatal in life insurance?
Yes, peripheral vascular disease is fatal in life insurance.
What are the chances of getting life insurance with a history of peripheral vascular disease?
The chances of getting life insurance with a history of peripheral vascular disease are good.
Can peripheral artery disease patients get final expense insurance?
Yes, peripheral artery disease patients can get final expense insurance.
Is peripheral vascular artery an example of chronic disease?
Yes, a peripheral vascular artery is an example of chronic disease.
What is the average cost of life insurance for someone with peripheral vascular disease?
The average cost of life insurance for someone with peripheral vascular disease or peripheral artery disease will depend on your gender, age, coverage amount, location, and health.
Can you get life insurance after heart surgery?
Yes, you can get life insurance after heart surgery.
Is peripheral vascular disease a critical illness in life insurance?
No, peripheral vascular disease is not a critical illness in life insurance.
Is peripheral artery disease classed as a terminal illness for insurance?
Yes, peripheral artery disease is classed as a terminal illness for insurance.
What are some things to consider when choosing a burial policy with peripheral vascular disease?
When choosing a burial policy with peripheral vascular disease, you should consider:
- The time that has passed since your heart surgery
- Your current health
- Your age
- Your coverage amount
- Your location
Can peripheral vascular disease affect your life insurance rates?
Yes, peripheral vascular disease can affect your life insurance rates.
How can you get the best life insurance rates with peripheral vascular disease?
The best way to get the best life insurance rates with peripheral vascular disease is to work with a qualified insurance agent.
I have peripheral artery disease, what are my options for life insurance?
There are many options for life insurance for people with peripheral artery disease. You should work with a qualified insurance agent to find the best policy for you.
Why would I get turned down for life insurance if I have a peripheral vascular disease?
If you have a recent history of heart surgery, you may be turned down for life insurance.
How long does it take to get life insurance with peripheral vascular disease?
It usually takes about a few minutes to a few days to get life insurance with peripheral vascular disease.
Can you be rejected for life insurance because of peripheral vascular disease?
Yes, you can be rejected for life insurance because of peripheral vascular disease.
Why would I be denied life insurance for having a peripheral vascular disease?
If you have a recent history of heart surgery, you may be denied life insurance.
What is the best way to shop for life insurance with peripheral vascular disease?
Working with a qualified insurance agent is the best way to shop for life insurance with peripheral vascular disease.
How do I find the best life insurance company for someone with peripheral vascular disease?
The best way to find the best life insurance company for someone with peripheral vascular disease is to work with a qualified insurance agent from Funeral Funds who can recommend the best plan with the lowest rate.
What happens when a person with peripheral artery disease dies?
When a person with peripheral artery disease dies, their life insurance policy will pay out a death benefit to their beneficiaries. The death benefit can be used to cover funeral and burial costs and any other debts or final expenses the family may have.
What are some tips for getting life insurance with peripheral vascular disease?
Some tips for getting life insurance with peripheral vascular disease are:
- Work with a qualified insurance agent.
- Compare rates from different companies.
- Choose a policy that fits your needs.
