If you are looking for affordable burial insurance with peripheral vascular disease or peripheral artery disease, we can help. We can help you find the burial insurance which works best if you had bypass surgery, angioplasty or stents to treat your heart condition.
Instead of trying to figure out what type of final expense insurance you will be eligible for, let us do the hard work for you.
We can find you burial insurance with peripheral vascular disease! We will match you with the life insurance company offering the most coverage at the lowest price.
In this article, we will show you how you can also find and purchase affordable burial insurance with peripheral vascular disease or peripheral artery disease. Within a few minutes, you will have a complete picture on how to get the best plan if you have PVD or PAD.
CAN YOU QUALIFY FOR LIFE INSURANCE IF YOU HAVE PVD or PAD?
YES! It is possible to qualify for life insurance if you have peripheral vascular disease or peripheral artery disease.
While all heart conditions are considered significant to insurance companies, the good news is that you should still qualify for an affordable policy. Your rate will primarily depend on the severity of your condition.
With your PVD or PAD under proper treatment, you will qualify for affordable coverage. And, even when your condition is severe that require a surgical procedure, we can still get you covered with some guaranteed insurance options.
Want to know something great? Burial insurance doesn’t even require you to take a medical exam.
You don’t have to submit urine and blood samples or your medical record. You will only have to answer a few health questions. You can even choose a no-health questions policy if you want.
WHY DO LIFE INSURANCE COMPANIES CARE IF YOU HAVE PERIPHERAL VASCULAR DISEASE OR PERIPHERAL ARTERY DISEASE?
Peripheral vascular disease (PVD) also called peripheral arterial disease (PAD) is a condition involving blood vessels extending beyond the heart which is narrowed and cannot deliver enough oxygen and nutrients to the body.
This condition is caused by atherosclerosis or hardening of the arteries from the build-up of fatty deposits inside the vessels. If left untreated PVD can cause chronic wounds in the lower limbs and can increase the risk of heart attack or stroke.
Inadequate blood supply can lead to poor healing of the wound, chronic ulcers, and gangrene which requires amputation.
The risk factors for developing PVD are smoking, diabetes, high blood pressure, and heart disease.
The combination of smoking and diabetes almost always results in more severe consequences resulting in life insurance companies being more cautious when approving applicants with peripheral vascular disease.
Don’t worry, burial insurance coverage is still available regardless of your current health or past medical treatments.
The common surgeries to treat PVD or PAD include:
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.
Some insurance companies will require you to wait at least six months before approving your policy. This is mainly because complications from surgery frequently develop six months after the procedure.
If you currently have peripheral vascular disease, the best way to find affordable burial insurance coverage is by working with an independent life insurance agency that knows which insurance company will look at your vascular condition favorably.
HOW DOES PERIPHERAL VASCULAR DISEASE AFFECT LIFE INSURANCE?
Life insurance companies today are paying more attention to peripheral vascular disease than they did in the past. The reason for this is that recent medical studies show that PVD and PAD often have life-threatening consequences.
Life insurance companies are now considering PVD patients as high-risk applicants.
If your PVD or PAD is severe and you are over 50, you might have a tough time qualifying for traditional policies and burial insurance is your only option. Vascular problems early in life are usually an indicator of major vascular problems later in life.
When your peripheral vascular disease is mild, and you are over 60 years old, then life insurance companies may look at your risk as much lower. As you get older atherosclerosis is normal. Therefore, these factors have a lesser impact on your life insurance eligibility.
What’s important to note here, is that each insurance company is different. Just having a vascular problem doesn’t prevent you from getting burial insurance with peripheral vascular disease.
WHAT INFORMATION DO 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 is the best fit for 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?
- What symptoms of PVD do you currently experience?
- 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 condition other than PVD?
- Have you used tobacco in the last 12 months?
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 story, you will need to tell us as well.
While these pre-existing conditions won’t disqualify you from getting insurance, it could have a significant effect on how much you will pay for your policy and if you will have a waiting period.
UNDERWRITING BURIAL INSURANCE WITH PERIPHERAL VASCULAR DISEASE
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 the 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 a peripheral vascular disease or peripheral artery disease?
- In the past two years have you been diagnosed or been 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:
- Naftidrofuryl oxalate
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.
OTHER FACTORS THAT CAN AFFECT UNDERWRITING
When the arteries are narrowed because of atherosclerosis your doctor may recommend a surgical procedure. The common surgeries to treat PVD or PAD include angioplasty, bypass grafting, and stent implant. The most widely used operation for a blocked artery is bypass grafting. This is similar to heart bypass surgery.
Surgery is needed less often today, as better anti-atherosclerosis medication are now available for treating blocked arteries. With modern medications, surgery is only required for severe atherosclerosis that does not respond well to medications and angioplasty.
If you have any surgical procedure in the last 12 months, you will likely pay more for your policy and have a waiting period for your death benefit. No burial insurance company would offer you immediate death benefit if you just had surgery.
You can reduce your risk of developing a peripheral vascular disease by avoiding smoking. Smoking directly causes reduced blood flow in the arteries. It also causes PVD to get worse, as well as 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.
OTHER HEALTH CONDITIONS
Life insurance companies will specifically ask about other health conditions such as diabetes, high blood pressure, and coronary artery disease. Each of these conditions can make the peripheral vascular disease worse over time. Having any of these conditions will also affect your life insurance rate.
Having an amputation due to peripheral artery disease can affect your life insurance eligibility. You are going to pay more premiums and endure a waiting period, and this is unavoidable and a fact you need to accept.
WHAT TO EXPECT IF YOU HAVE PERIPHERAL VASCULAR DISEASE OR PERIPHERAL ARTERY 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 graded death benefit or partial-first day coverage. You will have life insurance protection from the first day for a percentage of your death benefit.
Graded death benefit has partial coverage during the first two years. If you pass away during the first year, your beneficiaries will receive 40% of the death benefit.
If you pass away within the second year, the insurance payout would be 70% of the death benefit.
The 100% death benefit will be given to your beneficiaries if you die in the third year.
Advanced Peripheral Vascular Disease
Advanced stage of a peripheral vascular disease requires more aggressive forms of treatment. Surgery will be necessary to treat the complications of PVD. Common surgeries 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.
- Stents – 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.
Your burial insurance options will depend on how long ago any of these surgeries are performed to treat your PVD or PAD.
If angioplasty, bypass grafting or stents was performed within the last 12 months
If any of these surgeries were done on you within the previous 12 months, your best and cheapest option is a guaranteed issue burial insurance.
Guaranteed issue burial insurance does not require a medical exam or health questions to qualify. Your approval is guaranteed even if you had surgery to treat your PVD or PAD. You just need to be a U.S. citizen between the ages of 50 to 85 to qualify.
Guaranteed acceptance life insurance has a two-year waiting period that you can’t avoid. You will have to live two years before the policy will pay for a natural cause of death. However, if you die from an accident during the first two-years, your beneficiaries will receive your full death benefit.
Why do you need Guaranteed Issue burial insurance if you have a peripheral vascular disease?
We recommend buying a guaranteed acceptance policy because you could have a heart attack that may cost you your life. Additionally, your health will likely get worse in the coming years. You could also develop other health problems like diabetes or high blood pressure. Your doctor may also prescribe new medications that are a red flag with the insurance companies.
Any changes to your health will disqualify you for an immediate death benefit. If guaranteed issue burial insurance is your only option, buy your plan now and start chipping on your waiting period as soon as possible. Postponing your application now is not a wise decision.
Buying a guaranteed issue burial insurance if you have a peripheral vascular disease is worth it, you won’t lose money with this plan, and it cost much less money than having no insurance coverage at all.
Here are some reasons you may need guaranteed issue life insurance
If angioplasty, bypass grafting or stents was performed over 12 months ago but within the last 24 months
In this situation, there are insurance companies that only look back one year on surgeries. They will offer you their lowest rate and immediate protection.
There are just a handful of companies that look back 12 months; we know these companies, and we will try our very best to get you approved with any of them.
If angioplasty, bypass grafting or stents was performed over 24 months ago
Most burial insurance companies wouldn’t care about angioplasty, bypass grafting or stents if it was more than two years ago. Level death benefit has instant coverage effective on day one.
This plan is the best-priced burial insurance option with no waiting period. The insurance carrier will pay the full death benefit to your beneficiary even if you die a day after you get your policy.
WHAT IF I HAVE BEEN DENIED LIFE INSURANCE COVERAGE BECAUSE OF PVD?
If you have been rejected for a life insurance policy in the past 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 or your medical condition you should not resign yourself to living without any life insurance protection.
The truth is many high-risk life insurance cases like peripheral vascular disease or peripheral artery disease are declined for coverage. Often times, applying to a wrong insurance company may cause your rejection, and this is when an independent life insurance agency like Funeral Funds can help.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with the peripheral vascular disease needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of a peripheral vascular disease, let us help you; we will work with you side by side to find a plan that fits your needs.
We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.
We will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will match you up 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, or 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.