Burial Insurance with Valvular Heart Disease (2024 Update)

Buying burial insurance with valvular heart disease is possible. You may even get a first-day coverage insurance and give your loved ones some peace of mind.

Burial insurance covers it all – burial, cremation, final expenses, funeral costs, or leaving a financial legacy.

If you prefer to keep reading, we’ve got more details on burial insurance for those with valvular heart disease, or fill out our quote request form for immediate assistance and pricing information.

What Is My Best Insurance Option If I Have A History Of Valvular Heart Disease?

YOUR VALVULAR HEART DISEASE TREATMENT WAS OVER 24 MONTHS AGO

If your heart valve treatment was more than two years ago, you’re in luck. Most burial insurance companies have a two-year lookback period for circulatory surgery.

This means you can score the best plans and lowest prices. Yep, almost every insurer will roll out the red carpet and offer you their lowest rates and immediate protection.

YOUR VALVULAR HEART DISEASE TREATMENT WAS WITHIN 24 MONTHS

If your heart valve drama was less than two years ago, don’t sweat it. You can still get a solid plan. Our top company will ask “Have you been in the hospital twice in the past two years?”

If your answer’s a ‘Nope,’ you’re lining up for a first-day coverage policy, as long as this plan is available in your zip code.

But if you’re currently in the hospital or have had a couple of visits in the last few years, it’s time to grab guaranteed-issue whole life insurance. Yeah, there’s a two-year waiting period, but that’s still better than kicking yourself later for not getting coverage sooner.

Do I Need A Medical Exam To Qualify For Burial Insurance?

Nope, no medical exams required for you, even with valvular heart disease!

Applying for burial insurance is a breeze. Just answer some basic health questions – no need to dig up medical records or deal with blood and urine samples. Seriously, it’s that easy. You could get approved by the insurance company in just minutes!

Burial Insurance Underwriting If You Have Valvular Heart Disease

Here’s the scoop on underwriting: it’s the process insurance companies use to figure out your health risk.

How Do Burial Insurance Companies Underwrite?

FIRST – They’ll ask you about your health, including heart valve surgeries. Your answers will decide your eligibility.

SECOND – They’ll take a quick peek at your prescription history to verify your health.

HEALTH QUESTIONS

Burial insurance companies are laser-focused on your valvular heart disease treatment. Every single one will ask about heart valve surgeries in their health questionnaires.

You’ll see questions like:

• Within the past 2 years, have you been diagnosed with heart attack, cardiomyopathy, or any type of heart or circulatory surgery?
• Prior to age 50 or during the past 24 months, have you been hospitalized for heart or circulatory surgery, including pacemaker, heart valve replacement, bypass, angioplasty, stent implant, or any procedure to improve circulation to the heart or brain?
• Within the past 24 months have you been medically diagnosed or treated or hospitalized for heart attack, heart disease, or circulatory surgery, including pacemaker, bypass, heart valve replacement, angioplasty, or stent implant?

You need to answer “yes” to the circulatory surgery question if you had heart valve replacement surgery or repair because it is considered a circulatory surgery.

TYPES OF VALVULAR HEART PROBLEMS

Valvular heart disease means damage in one of your four heart valves:

1. Aortic
2. Mitral
3. Pulmonary
4. Tricuspi

You can still qualify for burial insurance, even with damage in any of these valves. Surgery to replace or repair a valve? Yep, that’s circulatory surgery.

Common Treatments Insurance Companies Will Ask About:

• Heart valve repair
• Commissurotomy
• Decalcification
• Ring Annuloplasty
• Patching
• Valvuloplasty

Spoiler alert: The type of valvular heart disease treatment you had (repair or replacement) isn’t the big drama with burial insurance companies.

What really matters is how much time has passed since your treatment. This is the main factor that determines your premium and whether you’ll face a waiting period. So, if it’s been a while, you’re in a good spot!

PRESCRIPTION HISTORY CHECK

Common medications for valvular heart disease:

• ACE inhibitors (Captopril, Enalapril, Lisinopril)
• Anti-arrhythmic medications (Amiodarone, Flecainide, Quinidine)
• Anticoagulants (blood thinners) Heparin, Warfarin, Coumadin)
• Beta-blockers (Atenolol, Metoprolol, Nadolol)
• Diuretics (Furosemide, Torsemide, Bumetanide)
• Vasodilators (Sildenafil, Tadalafil, Bosentan)

Blood thinners? They can be a red flag for some insurers. Which ones you’re on might affect your premium, but if it’s been over two years since you started taking them, they won’t be a big deal.

How Much Insurance Do I Need If I Have Valvular Heart Disease?

The right amount of burial insurance depends on your personal and financial situation. Generally, it should cover your funeral, burial, and any final expenses.

Here’s how to figure out what you need:

1. Calculate Your End-of-Life Expenses: Start with your funeral costs – this is usually the biggest chunk.
2. Add Other Expenses: Think medical bills, living expenses, credit card bills, and any other debts.

Get the coverage that makes sure everything’s taken care of, and your loved ones won’t have to worry.

How Should I Pay My Premiums?

The best way to handle your premium payments is straight from your savings or checking account. Keep it simple and automatic. We suggest setting up a bank draft so your bank handles the payments for you each month. This way, you can kick back and relax, knowing your policy won’t lapse because of missed payments.

Information We Need If You Have Valvular Heart Disease

When you’re applying for burial insurance with valvular heart disease, we’ll need some details about your current health. This helps us understand your condition and give you the most accurate quote.

We’ll ask you a few questions to find the perfect plan for you:

1. How long have you had valvular heart disease?
2. What type of valvular heart disease do you have?
3. Has your disorder led to any negative symptoms like angina or arrhythmia?
4. Did you have any type of heart surgery to correct or repair your valvular heart disease?
5. What medications are you taking for your valvular heart disease?
6. Are there any other heart issues you’re dealing with?

Be honest when you answer – we want to match you with the best insurance company for your needs.

Benefits Of Burial & Funeral Insurance

Here’s the scoop on why a burial or funeral policy is a total win:

• No Medical Exam Required: Skip the doctor’s office drama. Approval is a breeze!
• Easy Peasy Approval: Getting covered is a piece of cake – qualification is straightforward.
• No Money Down: Start your policy whenever you want. No need to shell out cash upfront.
• Level Premium: Your premium stays the same forever – no surprises!
• Fixed Death Benefit: Your death benefit won’t drop for any reason. Solid and secure.
• Permanent Protection: As long as you keep paying, the insurance company can’t cancel your policy.
• Tax-Free Benefits: Your beneficiaries get the death benefit tax-free. Sweet deal!
• Cash Value Grows: Your whole life policy builds cash value over time. It’s like a financial bonus!

Other Common Uses For Final Expense Life Insurance With Valvular Heart Disease

All of these examples are appropriate uses for Final Expense Life Insurance:

• Burial insurance plan with valvular heart disease
• Cremation insurance plan with valvular heart disease
• Funeral home insurance plan with valvular heart disease
• Final Expense insurance plan with valvular heart disease
• Prepaid funeral plan insurance with valvular heart disease
• Mortgage payment protection plan with valvular heart disease
• Mortgage payoff life insurance plan with valvular heart disease
• Deceased spouse’s income replacement plan with valvular heart disease
• Legacy insurance gift plan to family or loved ones with valvular heart disease
• Medical or doctor bill life insurance plan with valvular heart disease

We’ve got you covered with all these awesome benefits. Pricing varies based on your age, health, zip code, and coverage needs.

How Can Funeral Funds Help Me?

Navigating burial insurance with valvular heart disease doesn’t have to be a headache. Let Funeral Funds do the heavy lifting.

We’ll help you find the perfect plan that fits your budget and financial goals. No need to waste time hunting down insurance companies – we handle all the legwork for you.

With access to top-rated insurance carriers specializing in high-risk clients, we’ll match you with the best burial insurance at the best rate.

Looking for valvular heart disease funeral, burial, or life insurance? We’re here to help. Fill out our quote form on this page or give us a call at (888) 862-9456 for an accurate quote. Let’s get you covered without the hassle!

Frequently Asked Questions

Is valvular heart disease considered heart disease for life insurance?

Oh, absolutely! Valvular heart disease counts as heart disease in the life insurance world. But don’t sweat it – there are life insurance policies out there that’ll have you covered.

Is there an age limit for burial insurance with valvular heart disease?

You betcha! Usually, the cut-off is 85 years old, but don’t worry – your policy can stick around until you hit 121. Talk about a long-term plan!

Can I get burial insurance with valvular heart disease?

Totally! You can get burial insurance even with valvular heart disease. And if your heart treatment or surgery was over two years ago, you might even score first-day coverage. How cool is that?

Do I need to tell insurance about valvular heart disease?

Oh, for sure. You gotta spill the beans about your valvular heart disease. They need the full scoop to give you the best coverage.

Can valvular heart disease affect life insurance?

Yes, it can. But if your diagnosis is recent, you might still be in the running for a first-day benefit plan. Just keep it real with your insurance details.


What are the things that may affect my eligibility if I have valvular heart disease?

Your eligibility could be influenced by your diagnosis, treatment history, and how much time has passed since your surgery. It’s all about the timing and the details!