Burial Insurance with Peripheral Vascular Disease (PVD or PAD)

Couple Wondering About Burial Insurance with Peripheral Vascular Disease (PVD or PAD)

If 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 will still have affordable options.

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 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?

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:

  1. Angioplasty – helps open up the artery and increase blood flow to the heart.
  2. Bypass grafting – a graft is placed around the blocked artery to restore blood flow to the heart.
  3. 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 more than two years now, 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

If you have any surgical procedure in the last 12 months, you will qualify for a first-day benefit plan. 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

You can increase 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.

Best Option: If you are a non-smoker, you will qualify for discounted pricing


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
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 some basic questions about your health. The application process is simple, and 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:

  1. In the past 12 months, have you been diagnosed or treated with a peripheral vascular disease?
  2. Have you ever received treatment for peripheral vascular disease or peripheral artery disease?
  3. In the past two years have you been diagnosed or been treated, or been prescribed medication, or had circulatory surgery?
  4. 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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


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-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded 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 is the best fit for your needs.

  1. When were you diagnosed with peripheral artery disease or peripheral vascular disease?
  2. How old were you when you were first diagnosed with PVD/PAD?
  3. Have you ever had any severe complications from peripheral vascular disease?
  4. Are you currently undergoing treatment?
  5. What kind of treatments have you had for peripheral vascular disease?
  6. Have you had any invasive treatment such as surgery?
  7. If you had surgery when was the surgery? Did you have any complications?
  8. Are you currently on any medications to treat peripheral vascular disease?
  9. 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 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 as long as 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 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 applying to the 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 peripheral vascular disease needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

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 work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies and 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.

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