2024 Burial Insurance with Valvular Heart Disease
last updated on March 25, 2024Buying burial insurance with valvular heart disease is an important decision for your family and loved ones.
If you have valvular disease or even a more severe form of heart disease, it’s still possible for you to get approved for burial insurance coverage.
This article will show you how qualifying for life insurance for valvular heart disease patients will work. We will also show you how to qualify for affordable final expense insurance with valvular disease and how to get covered at the best possible rate.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Valvular Heart Disease?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Valvular Heart Disease, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Valvular Heart Disease
- How Much Insurance Do I Need If I Have Valvular Heart Disease?
- How Should I Pay My Premiums?
- Valvular Heart Disease and Burial Insurance Riders
- Information We Need if You Have Valvular Heart Disease
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Valvular Heart Disease
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance With Valvular Heart Disease
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
Most burial insurance companies have a two-year lookback period on circulatory surgery. If your valvular heart disease treatment was over two years, you could qualify for the best plans and lowest pricing. Almost every single burial insurance company will let you access their lowest rates and immediate protection.
You can qualify for a level death benefit plan with first-day coverage. You will be fully covered from the first day, and your beneficiary will receive 100% of your death benefit when you pass away.
Best Option: Level death benefit plan with first-day coverage.
YOUR VALVULAR HEART DISEASE TREATMENT WAS WITHIN 24 MONTHS
If your valvular heart disease diagnosis and treatment are within 24 months, 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
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 Valvular Heart 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 valvular heart 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 Valvular Heart Disease
Underwriting is the process used by life insurance companies to determine your health risk level.
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 companies are more concerned about valvular heart disease treatment. Every single burial insurance company with underwriting will ask about heart valve surgery and repair in their health questionnaire.
In the health questionnaires, you will see them ask about valvular heart disease treatment in several ways such as:
- 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.
TYPE OF HEART PROBLEM
Valvular heart disease is often characterized by damage in one of the four heart valves:
- Aortic
- Mitral
- Pulmonary
- Tricuspi
You can still qualify for burial insurance if you have damage in any of the four heart valves.
Oftentimes heart valve disease requires surgery to replace or repair the heart valve. The heart valve disease treatment depends on what heart valve is affected and the severity of the valve disease. Any operation performed on the heart valve is considered circulatory surgery.
Common valvular heart disease treatments the insurance companies will ask about:
- Heart valve repair
- Commissurotomy
- Decalcification
- Ring Annuloplasty
- Patching
- Valvuloplasty
The type of valvular heart disease treatment (repair or replacement surgery) is not a big issue for burial insurance companies.
Most cases, the time that passes after your valvular heart disease treatment is the most significant issue with the most burial insurance company. It is the main deciding factor that will determine how much premium you will pay and if you will have a waiting period on your policy.
PRESCRIPTION HISTORY CHECK
Common medications for valvular heart disease include:
- 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)
Some blood thinners are a red flag to some life insurance companies. Depending on which blood thinners you use will affect your monthly premium. However, they will not care about blood thinners if it has been two years or longer since your first fill.
How Much Insurance Do I Need If I Have Valvular Heart 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.
Valvular Heart 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 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 Valvular Heart Disease
When applying for burial insurance coverage with valvular heart disease, we will need information about your current health. This information will help us to understand your health condition better. This will also enable us to provide you with an accurate quote.
Here are some of the questions we will ask you to determine the best plan for you:
- How long have you had valvular heart disease?
- What type of valvular heart disease do you have?
- Has your disorder led to any negative symptoms like angina or arrhythmia?
- Did you have any type of heart surgery to correct or repair your valvular heart disease?
- What medications are you taking for your valvular heart disease?
- Are there any other heart issues you’re dealing with?
It is important to be honest when answering these questions so that we can review this information to determine what insurance company is your best fit.
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 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 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 with valvular heart 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 that specialize 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 valvular heart disease funeral insurance, valvular heart disease burial insurance, or valvular heart 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 Valvular Heart Disease
Can you get life insurance with valvular heart disease?
Yes, you can get life insurance with valvular heart disease. You can even qualify for a first-day coverage plan if your heart treatment or surgery has been two years or longer.
What is considered heart disease for life insurance?
Many types of heart conditions could be considered when applying for life insurance. Some of the more common include arrhythmias, congestive heart failure, coronary artery disease, valvular heart disease, and cardiomyopathies.
What qualifies as valvular heart disease?
Valvular heart disease is a condition that affects the valves of your heart. When one or more of your valves is not functioning properly, it can cause various symptoms, including fatigue, shortness of breath, and chest pain. In severe cases, valvular heart disease can lead to heart failure or death.
Is valvular heart disease considered heart disease for life insurance?
Valvular heart disease is considered a type of heart disease for life insurance purposes. If you have been diagnosed with valvular heart disease, you will likely be able to find a life insurance policy that covers you.
Is valvular heart disease a pre-existing condition for life insurance?
Yes, valvular heart disease is a pre-existing condition for life insurance. If you have been diagnosed with valvular heart disease, you must tell your insurer.
What is pre-existing heart condition?
A pre-existing heart condition is any type of heart condition that you have been diagnosed with before applying for life insurance. This could include arrhythmias, congestive heart failure, coronary artery disease, valvular heart disease, and cardiomyopathies.
Can I get life insurance if I have a heart condition?
Yes, you can get life insurance if you have a heart condition.
Do I need to take a medical exam if I have valvular heart disease?
No, you do not need to take a medical exam if you have valvular heart disease.
Is there an age limit for burial insurance with valvular heart disease?
The typical age limit for burial insurance with valvular heart disease is 85 years old.
Can you get first-day coverage insurance if you have valvular heart disease?
Yes, you can get first-day coverage insurance if you have valvular heart disease. This type of policy does not require a medical exam.
Is valvular heart disease a critical illness?
No, valvular heart disease is not a critical illness.
Can I get burial insurance with valvular heart disease?
Yes, you can get burial insurance with valvular heart disease. You can even qualify for a first-day coverage plan if your heart treatment or surgery has been two years or longer.
Do I need to tell insurance about valvular heart disease?
Yes, you need to tell insurance about valvular heart disease.
Can valvular heart disease affect life insurance?
Yes, valvular heart disease can affect life insurance. If you have been diagnosed with valvular heart disease recently, you will likely be able to qualify for a first-day benefit plan.
What are the chances of getting life insurance with valvular heart disease?
The chances of getting life insurance with valvular heart disease are good. You can even qualify for a first-day coverage plan if your heart treatment or surgery has been two years or longer.
Can I qualify for cremation insurance with a history of valvular heart disease?
Yes, you can qualify for cremation insurance with a history of valvular heart disease.
Is it hard to get approved for life insurance if you have valvular heart disease?
No, getting approved for life insurance is not hard if you have valvular heart disease.
What is my best insurance option if I have valvular heart disease?
A first-day benefit plan is the best insurance option for someone with valvular heart disease. This type of policy does not require a medical exam.
Can valvular heart disease medication affect my premium?
Yes, valvular heart disease medication may affect your premium.
Is there a waiting period for life insurance with valvular heart disease?
There is a two-year waiting period for life insurance with valvular heart disease. Most insurance companies will require you have at least two years after surgery before they offer a first-day coverage plan.
Is valvular heart disease a death sentence?
No, valvular heart disease is not a death sentence.
Is valvular heart disease an example of chronic disease?
Yes, valvular heart disease is an example of chronic disease.
What are the things that may affect my eligibility if I have valvular heart disease?
The things that may affect your eligibility if you have valvular heart disease are your diagnosis, treatment, and the time that passed since your heart surgery.
Can you be denied insurance for valvular heart disease?
Yes, you can be denied insurance for valvular heart disease if your heart surgery is very recent.
Is valvular heart disease a disability?
No, valvular heart disease is not a disability.
Is valvular heart disease fatal in life insurance?
Yes, valvular heart disease is fatal in life insurance. If you die from valvular heart disease, your beneficiaries will receive the death benefit from your life insurance policy.
Can valvular heart disease patients get final expense insurance?
Yes, valvular heart disease patients can get final expense insurance. This type of policy does not require a medical exam.
What is the average cost of life insurance for someone with valvular heart disease?
The average cost of life insurance for someone with valvular heart disease depends on their age, gender, location, coverage amount, and health.
Can you get life insurance after heart surgery?
Yes, you can get life insurance after heart surgery. You will likely be able to qualify for a first-day coverage plan if your surgery was two years or longer.
Is heart valve replacement a critical illness in life insurance?
No, heart valve replacement is not a critical illness in life insurance.
What’s the difference between critical illness and terminal illness?
The difference between critical illness and terminal illness is that critical illnesses are usually treatable and not always fatal, while terminal illnesses are always fatal.
Why would I get turned down for life insurance if I have valvular heart disease?
The most common reason why someone with valvular heart disease would be turned down for life insurance is that they have had heart surgery very recently.
What is classed as a terminal illness for insurance?
A terminal illness is an illness that will result in death within 24 months.
What are some things to consider when choosing a burial policy with valvular heart disease?
When choosing a burial policy with valvular heart disease, some things to consider are your coverage amount, payment options, and whether or not you want a medical exam.
Can valvular heart disease affect your life insurance rates?
Yes, valvular heart disease can affect your life insurance rates. A recent valvular heart disease surgery will only qualify you for a first-day benefit plan which is more expensive than a first-day coverage plan.
How can you get the best life insurance rates with valvular heart disease?
The best way to get the best life insurance rates with valvular heart disease is to work with a qualified insurance agent who can shop around and compare quotes from different insurers and recommend the best plan with the lowest rate.
I have valvular heart disease, what are my options for life insurance?
There are several options for life insurance for people with valvular heart disease. You may be able to qualify for a first-day coverage plan if your surgery has been two years or longer. You can also get a policy with a graded death benefit which will give you a lower death benefit at first but will increase over time.
What are some tips for getting life insurance with valvular heart disease?
Some tips for getting life insurance with valvular heart disease are to work with a qualified agent to compare quotes from different insurers and to recommend a policy with the best rate.
Can you be rejected for life insurance because of valvular heart disease?
Yes, you can be rejected for life insurance because of valvular heart disease. The most common reason for rejection is recent heart surgery.
What is the best way to shop for life insurance with valvular heart disease?
The best way to shop for life insurance with valvular heart disease is to work with a qualified agent from Funeral Funds who can compare quotes from different insurers and recommend the best policy with the lowest rate.
What happens when a person with valvular heart disease dies?
When a person with valvular heart disease dies, their life insurance policy will pay out a death benefit to the beneficiaries. The death benefit can cover funeral costs, outstanding debts, and other final expenses.
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