Take a second and see instant quotes by filling out the quote form. If you have had a blood clot recently, it most likely won’t matter much. If you have some other health issues, you may want to give us a quick call, so we can give you a quick and accurate quote.
If you have had a blood clot recently, you might be wondering just how that impacts the price and coverage for burial insurance. In fact, many of our customers who had blood clots came to use with those very questions.
As it turns out, blood clots usually have little to no effect at all. We have many times easily helped lots of clients with blood clots secure affordable final expense life insurance, and we can help you too. We’re going to layout just how we helped others, so you know too know what to expect.
This article will go over how blood clots could potentially affect the prices for funeral insurance, how insurance companies react to this health event, and how you can find the absolute lowest cost policy.
The Truth About Burial Insurance After A Blood Clot
There are some funeral insurance companies that will specifically ask about blood clots, but most will not. This all boils down to blood clots essentially being a non issue for the vast majority of cases we see.
When it comes to buying burial insurance after a blood clot, you can most likely get yourself qualified for a level death benefit. This is true even if you have experienced a pulmonary embolism. This would mean you would have coverage that 100% protects you starting on day 1, and your payment would be the lowest that the insurance companies offer. In general, about the only time a blood clot could cause you to pay more or endure a waiting period of some kind would be if you had to have some sort of surgery to fix it (which is very rare).
Here’s the bottom line.
Some insurers care about blood clots, and some don’t. Because we have access to multiple companies, we would just place you with one of the burial insurance companies that could care less about blood clots.
Oh and check this out…
No burial insurance plan will ever have you have you endure a physical or medical exam as part of their application. The most you will ever do is answer some health questions.
Final Expense Underwriting For Blood Clots
In most cases, the underwriting of blood clots centers around treatment. It is true that some insurance companies will specifically ask about and penalize you for blood clots. However, that is actually rather uncommon. Most funeral insurance companies will NOT ask about blood clots. Because they don’t ask about them, it means they don’t care.
In order for us to accurately quote you and give you a clear and predicable outcome, we would ask you some specific questions about your blood clot(s).
- When were you last diagnosed with a blood clot?
- Did you have any surgeries to treat the blood clot?
- What medications, if any, were you prescribed and when?
- Have you ever been diagnosed with Deep Vein Thrombosis?
- What other health issues & medications, if any, do you deal with?
Once we know this information, we can tell you exactly which companies would offer you the best deal, and precisely what they will charge.
Let’s be clear on a couple of things.
If you have a pulmonary embolism or have been diagnosed with deep vein thrombosis, you will have zero issue qualifying for a level death benefit with multiple companies. We have lots of final expense life insurance companies that have underwriting that accepts these conditions with open arms.
Read below to see how final expense companies will react possible scenarios related to a blood clot.
There could be a variety of medications prescribed once your doctor leans of a blood clot. In most cases blood thinners like Coumadin, Eliquis, Xarelto are often the first form of treatment. The good news is that there are plenty of burial insurance companies completely okay with blood thinners. You will still qualify for a level death benefit.
B) Surgery of some kind
Although its uncommon, at times some kind of surgery may be required to treat a pulmonary embolism, blood clot, or deep vein thrombosis. Probably the most common one is the insertion of a Vena Cava Filter. Regardless of the type of surgery, if you have ANY sort of surgery on any part of your circulatory system, it will have a huge impact on your coverage.
Below is a basic breakdown of how a circulatory surgery will impact you.
- Surgery within the last 12 months: You will have a full 2 year waiting period and pay about 15-30% more.
- Surgery was over 12 months ago: We can most likely get you a level death benefit. There are not a lot of burial insurance companies that only look back 12 months, but there are some. Hopefully, you don’t have other health issues that prevent you from qualifying with the companies that only ask if you have had a circulatory surgery within the last year. If you do qualify with these companies, you will receive a level death benefit that has the lowest cost and immediate coverage.
- Surgery was over 2 years ago: In this circumstance, it’s basically as though it never happened. 99% of funeral insurance companies will only look back 2 years on any kind of circulatory surgery. If it has been over 2 years, you will easily qualify for a level death benefit with virtually every company.
How To Find The Best Burial Insurance After A Blood Clot
As you can tell, there is a really good chance you will still have access to the lowest rates and immediate protection even after experiencing a blood clot. With that, finding the best final expense insurance is super simple.
To find the best burial insurance after a blood clot, all you must do is work with an independent agency like Choice Mutual that represents lots of different final expense insurers. Essentially, a company like us that has lots of companies to choose from, will compare rates from lots of companies to find you the best deal.
What constitutes the best burial insurance?
The best policy is merely the one that costs the least amount per month, and covers you as soon as possible.
Only an agency that has the freedom to put you with whichever company offers you the best deal is capable of ensuring you find the best burial insurance. At Choice Mutual, that’s what we do.
However, even if you decide to not work with us, just make sure you find an independent broker that has lots of companies to choose from. If you do, you will surely get a fantastic deal.