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Have you had an aneurysm and are shopping for final expense insurance? If so, you are probably dying to know just how the aneurysm will affect the whole process.
Here is something amazing.
There are burial insurance companies that do ask and care about aneurysms, there are plenty that do not. Depending on what treatments you received for the aneurysm, we may be able to secure you a rock bottom rate and instant coverage. We have many satisfied customers who had an aneurysm before they were approved for their funeral insurance plan. You are in luck because we are going to outline just how we helped them. By the time you are done reading this article, you will have a clear expectation about how your aneurysm will impact your burial insurance plan.
This article will detail exactly how insurers respond to aneurysms, what options you have, and how to find the best burial insurance after an aneurysm.
Here’s The Low Down About Burial Insurance After An Aneurysm
At the end of the day, the location and your treatments for the aneurysm will ultimately determine what impact, if any, it has when you apply for burial insurance.
Thankfully, we have access to insurance carriers that are perfectly fine with aneurysms. On the other hand, there are some insurers that would charge you more money and/or impose a waiting period due to a recent aneurysm. It’s important to note that there are some circumstances where certain treatments for an aneurysm could place you into a higher risk category. Although this is rare, it’s something you need to be aware of. For most folks, we are able to secure them instant coverage and low rates even after an aneurysm.
When it’s all said and done, there is a REALLY good chance that you will qualify for a level death benefit. That means you will pay the absolute lowest that final expense companies offer, and you will have an immediate death benefit.
Oh and it gets even better.
At no point will burial insurance companies subject you to a physical or medical examination. Qualifying for funeral insurance is done simply by answering some health questions. That’s it.
It would be nice if aneurysms had symptoms in some way, so you could take care of them before they ever become a problem in the first place. Unfortunately, there is no way to know about an aneurysm until it ruptures.
How Burial Insurance Companies Underwrite Aneurysms
When it comes to aneurysms, there are a few things to consider. Most of the time, insurance companies will ask about aneurysms in their health questionnaire. Like we said earlier, we do have companies that do no ask about them. As you probably know, an insurance company is perfectly fine with conditions they DO NOT ask about.
In most cases, it’s the treatment of an aneurysm that could cause a problem. Not all treatments are issues, but some indeed are.
To begin with, we would need to ask you certain questions related to your aneurysm. Our goal is learn everything we need to know, so that we can match you with the most suitable and lowest cost burial insurance plan. Here are the questions we would ask you about your aneurysm.
- When was your last aneurysm diagnosed?
- Where in your body was the aneurysm?
- What medications were prescribed, if any, to treat the aneurysm?
- What surgeries were performed to treat the aneurysm, if any, and when were they?
Once we know this information, we can accurately and confidently give you a very clear picture about your realist options.
Time and it’s impact
For the companies that do ask about aneurysms, the question will be very straight forward. Usually, you will see the question appear in one of two ways.
- Have you been diagnosed with, or been treated for an aneurysm within the last 12 months?
- Have you been diagnosed with, or been treated for an aneurysm within the last 24 months?
If you have had an aneurysm over a year ago, we do have companies that only look back 1 year, so you would be fine. This is in addition to the companies we have that do not ask about aneurysms at all.
99% of final expense life insurance companies that ask about aneurysms, ask if you have had them in the last 2 years. If yours was over 2 years ago, its a complete non issue at this point.
Aneurysm Treatments And What Effect They Will Have
Simply having an aneurysm is easy work. We can deal with that no problem. On the other hand, it’s very often the treatment for an aneurysm that might cause someone to pay more or be stuck with a waiting period. Below is a complete breakdown of how the various treatments play out when you are applying for burial insurance.
In most cases, doctors will prescribe pills to treat high blood pressure or high cholesterol. They will also encourage you to quit smoking (if you do), eat healthier, and get more exercise. At the end of the day, none of the medications they prescribe will have ANY effect on the outcome. You will still easily get the lowest payment and first day coverage.
First of all, if an aneurysm ever ruptures, it’s a serious medical emergency that requires immediate surgery. At the same time, there are circumstances where doctors will want to perform surgery on an un-ruptured aneurysm. In either scenario, any surgery to correct an aneurysm will fall under the category of a circulatory surgery. Depending on when you had the surgery, you may or may not have to pay more.
If the surgery was over 12 months ago, we can most likely get you qualified for an immediate benefit along with the lowest rates possible. If your surgery was over 2 years ago, it won’t even matter anymore. After the 2 year marks, no final expense company will even care about it. However, if you had the surgery within the last 12 months, there is no way you will avoid a waiting period along with having to pay a slightly higher premium.
How To Find The Best Burial Insurance After An Aneurysm
It’s really no different than any other health condition. the key to finding the best burial insurance is done simply by allowing the right company to go to work for you.
To find the best burial insurance after an aneurysm, you must at all costs work with an independent broker that has access to lots of different insurance companies.
When it’s all said and done, an independent broker like Choice Mutual will compare rates from all the different insurance carriers to find you the best deal possible.
Please keep this in mind
Clearly this entire article is about aneurysms. As you can tell, we can most likely get you approved for a plan that comes with a the lowest rate offered and immediate protection. At the same time, it’s super important that you keep your other health conditions in mind.
Your entire health profile will be taken into consideration when you go to apply for any form of life insurance. The insurance companies are going to ask about all sorts of health conditions. The reason we are pointing this is because you need to know that you could have other health issues that throw a wrench in the process.
Thankfully, because we have so many burial insurance companies that we work with, we can usually find one that willingly accepts everything you deal with. Literally, over 90% of our clients are approved for a plan that comes with immediate protection and the lowest price possible.
Just keep in mind that you reveal everything there is about your health when you speak with your agent. You Choice Mutual agent will work hard to identify which insurance companies are best for you given ALL the health issues you may deal with.