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Having a circulatory surgery of some type can potentially have an effect on how much you pay for a burial insurance plan. Furthermore, it may also mean you have a waiting period on your policy. You might be thinking that it’s impossible to find affordable final expense insurance after a circulatory surgery. But you would be wrong on that.
Here’s the good news.
No matter what your surgery was on or when it was, we can get your insured. Furthermore, you will not be forced into paying super high prices due to this procedure.
We have lots of highly satisfied clients who were approved for a plan that didn’t break the bank in spite of their circulatory surgery. Do not be concerned with your past final expense life insurance experiences because we are going to show you how we helped other people in your same shoes.
Today, we will be discussing any and everything related to getting burial insurance after having a circulatory surgery. We will touch on what insurance companies look for, what you should expect, and how to find the best and cheapest funeral insurance policy possible.
The Truth About Burial Insurance After A Circulatory Surgery
There is almost no funeral insurance company that actually cares about the nature of the procedure. Meaning, they are not concerned about whether or not it was an angioplasty or a stent implant. To final expense life insurance companies, they only care about WHEN you had the last surgery on your circulatory system.
So here’s the deal…
If you have had a circulatory surgery in the last 12 months, you cannot escape both a waiting period and a higher monthly premium. There is no insurance company that will offer you immediate protection if your surgery was within the last year. At the same time, if it’s been more than a year since the last procedure, your choices become infinitely better. In all likelihood, you can get an immediate benefit and get a cost at or very close to the lowest premium possible.
Want to know something else really cool?
Because burial insurance plans are “simplified issue”, you will not have to take a physical as part of the application process. This means you only answer health questions. That’s all there is to it.
Final Expense Underwriting For A Circulatory Surgery
One thing you should know right off the bat is that all life insurance companies will ask about any surgery done on your circulatory system. However, the only real point of concern they have is when you had the last one.
The date of your last procedure is the only piece of data that will ultimately determine if your burial insurance will cost more along with having to endure a period of time before your benefits are payable.
What constitutes a circulatory surgery to burial insurance companies?
Every life insurance company has pretty much the same definition when it comes to surgeries on the circulatory system. If you have had any of the below operations, they would equate to a circulatory surgery according to final expense life insurance companies.
- Stent implant
- Cardiac Catheterization
- Aortic Dissection
- Aneurysm Surgery
- Pretty much any operation performed on the arties of the body
How they ask about circulatory surgeries
In most cases, funeral insurance companies will ask about this in one of two ways. They will ask if you have had any surgeries on your circulatory system within the last year or it will be within the last two years.
What to expect
First and foremost, it’s important you answer these questions honestly and accurately. With that, your expectations are tied directly to when you had your last surgery. Below are a list of scenarios and realistic expectations you can count on.
A) Your Surgery On Your Circulatory System Was Within The Last 12 Months
Unfortunately, this scenario means you will pay anywhere from 15-50% more and you will undergo a full two year waiting period. Basically, if you pass away during the first two years of your policy, the insurer will refund 110% of your premiums. Due to the recent surgery, you fall into a much higher risk category. That’s why you have to pay more and have to accept the waiting period.
B) Your Circulatory Surgery Was Within The Last 2 Years, But It Was NOT Within The Last Year
Thankfully, there are some burial insurance companies that only look back 12 months on surgeries to the circulatory system. To them, if it’s been more than a year, you are treated just like a person in pristine health. You won’t have to pay more or be stuck with a waiting period.
C) It’s Been Over 2 Years Now
At this point, your choices become virtually infinite. 99% of burial insurance companies will give you an immediate level benefit that comes at the lowest cost possible. To them, it’s as though you never had a surgery in the first place.
Quick Tip: If you have at some point had a surgery on your circulatory system and its been over 2 years now, please do not wait on this. Take immediate action and secure your coverage as soon as possible. Thankfully, your health has maintained since your last operation. We urge you to apply now because its extremely common for these kinds of surgeries to become necessary in the future. If you want and have to endure another circulatory surgery, you will pay more and get stuck with a waiting period as we already outlined. Please don’t take your current health for granted.
How To Get The Best Burial Insurance After A Circulatory Surgery
This is going to be the simplest part for you mainly because you already found our website! In all seriousness, finding the best burial policy is just not something you alone can do successfully on your own. Kind of like getting legal advice, you need to rely on a professional to do this for you.
So here’s the deal.
To find the absolute best burial insurance after a circulatory surgery, all you must do is utilize the services of an independent brokerage like Choice Mutual.
Are you wondering why we say this?
If so, here is a brief explanation. First of all, an independent agency has lot of choices because they work with lots of insurance companies. This is critical for two reasons. On one hand, it’s important to have choices so that we can isolate all the insurance companies that will best suit you given your health issues. And second, the ability to compare quotes from lots of different burial insurance companies is necessary in order to get you the best price.
When its all said and done, an agency like us is capable of recommending the best carriers according to their underwriting standards. Because we are not bound to any one insurance carrier, we can and do freely recommend whichever carrier is truly your cheapest option. We save you time and money by doing all the shopping around for you.
Oh and one more thing
Qualifying for any sort of burial insurance will entail answering different health questions that encompass various health issues. While this article covers everything you need to know about having a circulatory surgery, please remember that it’s just one piece of the overall puzzle. Any and all health issues you deal with will be the ultimate determining factor in regards to how insurance companies respond to you. This is why it’s so important you speak with a qualified advisor like a Choice Mutual agent. You need someone who can take all your health issues into account to be able to make the proper recommendations.