Buying burial insurance with valvular heart disease can be one of the most important decisions you can make for your family. 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.
Life insurance is often available to people with cardiovascular disease. Some final insurance companies do offer immediate coverage if it has been two years or longer since your heart valve surgery or repair.
Recent heart surgery may possibly limit your options, but it doesn’t prevent you from getting covered. If you are looking for life insurance coverage with valvular heart disease, we can help.
In 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 with the best possible rate.
BURIAL INSURANCE WITH VALVULAR HEART DISEASE
Every life insurance company is aware that applicants with valvular heart disease who have undergone heart valve surgery or heart valve repair run a higher risk of having a heart attack or stroke.
The good news is that the recent advancement in medical technology makes it possible for people with valvular heart disease to live normal and healthy lives.
If you had been declined for life insurance in the past because of your valvular heart disease, call us.
Some life insurance companies will postpone your approval for immediate coverage for one or two years after your heart valve surgery or repair. They do this to ensure that there are no complications from your procedure, and to determine if your operation was successful.
Thankfully, some burial insurance companies are more lenient with valvular heart disease patients who had heart valve treatment (surgery or repair). For most final expense companies heart surgery or repair is not a concern. The only issue is when you had your heart valve procedure.
After one year, you can qualify for immediate coverage because some life insurance companies only look back one year on valvular heart disease treatment. Please note that we can get you a life insurance coverage even if you had heart valve surgery or heart valve repair yesterday.
And, the best thing is…
You will not have to take a medical exam, and you will not need to provide any medical records either. You will only need to answer some questions about your health to qualify for burial insurance.
WHY DO INSURANCE COMPANIES CARE IF YOU HAVE VALVULAR HEART DISEASE
A defective heart valve is a severe medical condition which can result in premature death if left untreated.
Valvular heart disease is often characterized by damage in one of the four heart valves:
The aortic and mitral valves are the ones most frequently affected by valvular heart disease.
Normal functioning heart valves ensure that blood flows in the proper direction with the proper force at the proper time. In the case of valvular heart disease, the heart valves become stenotic (narrow and hardened) difficult to open fully, or unable to close completely.
Heart valve problems that affect burial or funeral life insurance:
Atresia – the valve isn’t well-formed. There is a solid sheet of tissues that block the blood flow between the heart chambers.
Regurgitation – the flaps of the valve don’t close properly which cause the blood to leak backward to the heart. This condition happens because the valve flaps bulge back, a condition called prolapse.
Stenosis – the valve flaps become stiff or thick, and they may fuse together resulting in a narrowed valve opening and reduced blood flow to the valve.
The severity of valvular heart disease varies by case. In mild cases, there may be no symptoms. In advanced cases of valvular heart disease, this condition may lead to congestive heart failure and other heart complications including:
- Heart failure
- Blood clots
The heart valve disease treatment depends on what heart valve is affected and the severity of the valve disease. Oftentimes heart valve disease requires surgery to replace or repair the heart valve.
Common valvular heart disease treatments the insurance companies will ask about:
- Heart valve repair
- Ring Annuloplasty
No matter what your cardiovascular issue may be, we can help you, whether it was a:
WHAT INFORMATION DO 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 heart?
- Are there any other heart issues you’re dealing with?
- Does heart disease run in your family?
- When was the last time you had any diagnostic test or scans?
It is important, to be honest when answering these questions so that we can analyze this information to determine what insurance company is your best fit.
UNDERWRITING BURIAL INSURANCE WITH VULVAR HEART DISEASE
Underwriting is the process used by life insurance companies to determine your health risk level. Insurance companies with underwriting ask health questions.
Burial insurance companies are more concern 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:
- Have you had any type of heart surgery within the last 12 months?
- Have you had any type of heart surgery within the last 24 months?
The type of valvular heart disease treatments (whether repair or replacement surgery) is not a big issue to burial insurance companies. We know some burial insurance companies that are accepting of heart valve surgery or repair, angioplasty, or installation of a pacemaker.
In most cases, the time since the last treatment or surgery may cause some issues with the life insurance companies. Some companies only have one-year-look-back-period. If you had a heart valve surgery over a year ago, you would easily qualify with them.
Most life insurance companies ask about valvular heart disease treatment in the last two years. If your treatment were over two years ago, you would not have a hard time qualifying for burial insurance.
The longer in the past your valvular heart disease treatment occurred, the better your chances of qualifying for the most affordable life insurance. The more time lapse between your valvular heart disease and your application, the more time you can show the insurance company that you are healthy and out of risk.
BURIAL INSURANCE WITH VALVULAR HEART DISEASE TREATMENT
There are different ways to treat valvular heart disease. The common treatment procedures are heart valve replacement or repair surgery and medication. These treatment procedures might cause you to pay more and have a waiting period. Here’s how treatment may affect your burial insurance:
HEART VALVE REPLACEMENT OR REPAIR SURGERY
Heart valve disorder may require surgery to correct a heart valve anomaly. Any operation performed on heart valve is considered a circulatory surgery.
If you have a very recent surgery (less than one year), you cannot escape a waiting period, and you will have to pay a little bit more for your policy.
If your circulatory surgery was over one year, we could get you a level death benefit to those companies we work with that only look back one year for surgery. If your surgery were over two years, you would qualify to the most life insurance company and pay the lowest rate.
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.
OTHER FACTORS THAT WILL AFFECT UNDERWRITING
Do you have any symptoms after your valvular heart disease treatment?
If you experience angina (chest pain), abnormal heart rhythm (arrhythmia) following your valvular heart treatment it will indicate poor cardiac function. Your life insurance application will most likely be declined because of your medical condition. In this case, your best option for life insurance coverage is a guaranteed acceptance life insurance policy.
Do you have other medical conditions?
Health issues such as diabetes, high blood pressure, heart attack, and COPD will ultimately affect the amount you pay for life insurance as well as your chances of approval. If you have other medical condition other than valvular heart disease, we recommend getting a guaranteed issue life insurance.
WHAT YOU SHOULD EXPECT IF YOU HAVE VALVULAR HEART DISEASE TREATMENT
The time that elapses 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.
YOUR VALVULAR HEART DISEASE TREATMENT WAS WITHIN THE LAST 12 MONTHS
Insurance companies will require one year to two years to pass before they consider giving you immediate coverage with no waiting period. The actual time will depend on each company’s requirements, but most will want a year to see how effective the treatment and if there are any complications.
If your valvular heart disease treatment was very recent or within the last 12 months, you could not avoid a waiting period. You will also need to pay a little more compared to someone who has never had a heart valve replacement or repair.
YOUR VALVULAR HEART DISEASE TREATMENT WAS OVER ONE YEAR AGO, BUT WAS WITHIN 24 MONTHS
If this is you, rest assured that your options are better.
Some burial insurance companies only ask about valvular heart disease treatment within the last year. Since your previous treatment was over a year ago, it does not affect your eligibility. You will qualify for level death benefit with no waiting period, and you will pay the lowest rates.
Please note that there are a few companies that only look back one year on valvular heart disease treatment. We work with them, but they are not common. If there are no complications from your treatment, we can get you covered for a level death benefit.
YOUR VALVULAR HEART DISEASE TREATMENT WAS OVER 24 MONTHS AGO
Congratulations! You have unlimited options now. Almost every single burial insurance company will let you access their lowest rates and immediate protection.
WHAT NOT TO DO
Be cautious of those guaranteed issue life insurance advertisements you see on TV, in magazines, and with that junk mail that shows up in your mailbox weekly….if it seems to good to be true, it probably is.
These companies hire high-dollar spokespeople and spend bazillions of dollars advertising to sell their products to unsuspecting retirees and senior citizens. Become an educated buyer and understand that all of these policies have at least one of the following disadvantages:
2 year waiting period – Even if you are in great health, you will be sold a more expensive policy with a mandatory 2 year waiting period. If you die of a heart attack 23.9 months after buying your policy, they won’t pay your loved ones a single penny.
Increasing premium – Many of these companies offer premium increase every five years. A real guaranteed issue burial insurance has a fixed premium throughout the life of the policy.
Policy termination at age 80 – Some policies end after age 80. Guaranteed issue life insurance is whole life insurance that lasts a lifetime.
3-year waiting period – Do we even have to tell you how bad these policies are? Avoid these plans at all cost! The best-guaranteed issue life insurance has a two year waiting period only.
It is essential to work with an independent life insurance agency that will guide you and prevent you from being tricked into agreeing to buy an expensive guaranteed issue life insurance policy that will increase its price, end after age 80, or make you wait 2-3 years for your coverage to begin.
POLICY OPTIONS IF YOU HAVE VALVULAR HEART DISEASE
IDEAL OPTION – LEVEL DEATH BENEFIT
Most final expense insurance companies don’t care if you have valvular heart disease treatment if it has been longer than 2 years. We work with multiple companies that will offer you a great rate for valvular heart disease and any other medical issues you may have.
EASIEST OPTION – GUARANTEED ISSUE BURIAL INSURANCE
If you have valvular heart disease treatment recently or within the last two years, you will qualify for guaranteed issue burial insurance with no medical exam and health questions.
Since you have valvular heart disease treatment within the last two years, GI policy is an excellent choice since they don’t ask health questions. This policy is for higher risk applicants or applicants who are in good health but don’t want to undergo a medical exam.
Guaranteed issue burial insurance has a graded death benefit for a natural cause of death. This policy will only pay for accidental death during the first 24 months. After two years it will pay 100% of the death benefit for any cause of death.
If you pass away during the first two years as a result of any medical issues, your beneficiaries will get your premiums plus 10% interest.
WHY YOU SHOULD BUY A GUARANTEED ISSUE BURIAL INSURANCE IF YOU HAVE A VALVULAR HEART DISEASE
If you can’t get a policy with a level death benefit because of your valvular heart disease treatment, you should buy a guaranteed issue burial insurance while you’re waiting for two years to pass. You could have a heart attack, or you could develop other ailments. At least you would already start working on the waiting period if something happens.
Once you’ve met the requirements for valvular heart disease treatment passing the two years look back period, you could potentially qualify for immediate coverage and get a lower rate with a new policy even when you are a little older.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with valvular heart 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 valvular heart 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 valvular heart disease funeral insurance, or 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.