For instant burial insurance prices, please use the quick and easy quote tool on this page. You will see rates from lots of highly rated final expense life insurance companies sorted by cheapest to most expensive. If you have recently had surgery on your heart, call us for accurate quotes because that will have an impact on the pricing.
Having surgery on your heart could possibly have a large affect on your burial insurance plan. However, when you had the surgery is likely the determining factor. Regardless, we are happy to report that there are always affordable options for everyone no matter when you had your heart surgery.
You might be wondering…
“How do I know how my heart surgery will affect the burial insurance application process?”
Well, we are going to answer that very question with this article. We have successfully helped many customers who had a heart surgery in their past secure affordable funeral insurance. This article will show you exactly how insurance carriers respond to a heart surgery. We will also show you what your options will be, and how you can find the best burial insurance after a heart surgery.
Understanding How Surgery On Your Heart Affects Final Expense Life Insurance
For most burial insurance companies, the exact nature of your heart surgery is generally not the concern. In almost every circumstance, WHEN you last had the surgery on your heart is the key issue at hand.
So what’s the bottom line?
At the end of the day, if you have had a heart surgery in the last year, you will 100% have to deal with a waiting period along with having to pay a higher monthly premium. Beyond the 1 year mark, your options improve considerably. Please understand that no matter what, we can get your covered even if your heart surgery was yesterday.
Oh and it gets better.
You will not have to take a medical exam, or provide any kind of doctor records. There will only be health questions (sometimes there will be none). In case you didn’t know, final expense life insurance plans never require medical exams.
Our job at Choice Mutual is to chat with you to learn the exact circumstances about your heart surgery. In addition, we will also need to become familiar with all your other health issues. When it’s all said and done, we will take this information and determine which insurance companies will be the best fit for you.
How They Underwrite Heart Surgeries
The first thing you need to understand is that EVERY single burial insurance plan that has underwriting (health questions) will 100% ask about heart surgeries. Furthermore, if you answer yes to these questions, it will have huge implications upon the price and when your coverage takes effect.
It is extremely uncommon for final expense life insurance companies to take issue with the type of heart surgery you had. There are some select carriers that are not okay with things like heart valve replacements or the installation of a pacemaker or defibrillator. Fortunately, that is exceedingly rare, so it’s essentially a non issue.
What’s the most important issue to consider?
When. When is the only thing you need to be concerned with. When you had your surgery will be the ultimate deciding factor that concludes if you pay more and endure a waiting period.
What Procedures Qualify As A “Heart Surgery”
This is a key concept to understand. Every insurance company will have a clearly defined idea of what constitutes a heart surgery. Here are all the various procedures that will be viewed as a heart surgery to burial insurance companies.
- Heart Bypass
- Any Device Installation
- Pacemaker Batter Change**
- Valve Replacement
- Valve Repair
- Heart Aneurysm Repair
- Pretty much Any surgery through the chest to access the heart
**There are some final expense companies that do not view pacemaker battery changes as a qualifying heart surgery. For those companies, their underwriting guidelines allow you to honestly answer no to the question about having a heart surgery (assuming it was indeed only a pacemaker battery change).
In the health questionnaires from burial insurance companies, you will see them ask about heart surgeries in one of two ways listed below.
- Have you had or been diagnosed with any type of heart surgery within the last 2 years?
- Have you had or been diagnosed with any type of heart surgery within the last 12 months?
Now let’s talk about what YOU should expect based on your answers to those questions.
Your Heart Surgery Was Within The Last 12 Months
In this case, there is no way you can avoid having to endure a waiting period. In addition, you will also pay a higher monthly payment compared to someone who has never had a heart surgery.
Your Heart Surgery Was Within The Last 24 Months, But It Was Over 1 Year Ago
If this is you, rest assured that your options improve considerably. There are some burial insurance companies that only ask about heart surgeries within the last year. Since your surgery was over a year ago, it has no effect. It boils down to not having to pay a higher premium, and not having to wait through a waiting period.
Please note that there are not a ton of companies that only look back 1 year on heart surgeries. We do have them, but they are not common. If you call in this category, hopefully you don’t have any other health issues that prevent you from qualifying with the companies that only go back 1 year on this subject.
Your Heart Surgery Was Over 24 Months Ago
Congratulations, you have pretty much unlimited options now. Almost every single funeral insurance company will give you access to their lowest rates and instant protection.
How To Find The Best Burial Insurance After A Heart Surgery
In case you didn’t already figure it out, there are many things to consider that ultimately determine how burial insurance companies respond to a heart surgery. In addition, you also need to take into account all your other health issues. Remember, every funeral insurance company will assess your health in multiple ways. Securing the best plan possible is going to require you work with a highly qualified agency to assist you with this.
To get the best burial insurance after a heart surgery, all you must do is lean on the expertise of an experienced independent broker like Choice Mutual. A company such as us will evaluate your entire health profile, so we can identify all the insurance companies that will view your health most favorably. then, we will compare the rates from all these companies to identify which one is truly best for you.
As is the case with pretty much any product of service, options and competition are critical to you getting the best price. When you buy a TV or new shoes, you probably shop around to see which company will give you the best deal.
Well, it’s the same with burial insurance. The only difference is you are not actually doing all the shopping around. We do that for you. Not to mention, we utilize our vast experience to calculate which insurance carriers have underwriting that best suits your individual situation.