If you just want to see a list of burial insurance quotes, take a moment and fill out the quote form on this page. The next page will display a list of final expense companies showing you what they charge. If you have recently had a pacemaker installed, please call us for accurate quotes. Our toll free number is 1-800-644-2926.
If you are looking for a burial insurance plan and you have a pacemaker, this article will the last one you will ever need to read. No matter what, we can help you find an affordable final expense plan regardless of your circumstances. Choice Mutual has ample experience helping many pacemaker patients of various backgrounds secure affordable final expense life insurance.
A lot of our pacemaker clients came to us worried about how their pacemaker would affect the underwriting process. It’s a valid concern. Over the years, we have encountered virtually every scenario imaginable regarding pacemakers. Today, we are going to share with you exactly how each circumstance plays out, so you know what to expect.
We will show you how funeral insurance companies respond to pacemakers, what your expectations should be, and how you can find the best burial plan.
The Low Down On Burial Insurance With A Pacemaker
First of all, simply having a pacemaker is rarely ever an issue with burial insurance companies. More often than not, the only time a pacemaker becomes a problem is if you have had it recently installed.
The cold hard truth is that the mere presence of a pacemaker is generally not a risk factor that final expense companies care about. The only thing most companies care about is when it was installed. If you have had your pacemaker over a year, you will find that most funeral insurance companies will offer you immediate coverage and their lowest rates. However, if you have had it installed within the last year, you will have a to pay a bit of a higher premium.
You might be wondering, will I have to provide medical records or take a physical when I apply?
The answer is no. You will not have do anything other than answer some health questions. No final expense life insurance plan will require you to endure a medical exam or have you provide your doctor records.
Having a pacemaker to help control your heartbeat may become necessary at some point for a lot of people. Fortunately, it’s not something that will become a barrier to securing affordable burial insurance.
How Final Expense Companies Underwrite Pacemaker Applicants
In all honestly, it’s VERY uncommon for funeral insurance companies to even ask about pacemakers. Most health questionnaires will not even have the word pacemaker in anywhere within them. The insurers do not care about something they don’t ask about. There are indeed some insurance carriers that do ask about it. Fortunately, they are heavily in the minority.
Having said that, it is possible for your pacemaker to have an impact on your burial insurance. In most cases, the only time it has any effect whatsoever, is if it was installed recently. Have a pacemaker installed would qualify as a heart or circulatory surgery.
EVERY single life insurance company will absolutely ask about a heart or circulatory surgery. More specifically, they will ask if you have had either of these within a certain time frame. In most cases, you will see one of the two following questions appear.
- Have you had or been diagnosed with any type of heart or circulatory surgery within the past 12 months?
- Have you had or been diagnosed with any type of heart or circulatory surgery within the past 24 months?
Since a pacemaker installation would qualify as a heart or circulatory surgery, you would definitely need to answer yes to one of those questions if indeed it was within one of those specified time frames. Here what you should expect if you say yes to either of those questions.
Your Pacemaker Was Installed Within The Last 12 Months
In this case, you will have a pay a slightly higher premium (15-30% more), and you will have a waiting period on your policy. The waiting period will last 2 years. If you pass within the waiting period, the insurance company will refund 110% of all the premiums you have ever paid. After the 2 years is up, your coverage is available in full.
Unfortunately, if you fall in this category, there is no way to avoid these penalties. Thankfully, you can still get coverage. If you work with Choice Mutual, we would make a note to evaluate your situation once you hit the 1 year mark from your pacemaker installation. We would then look at reapplying to lower your rate, and getting you qualified for instant coverage.
Your Pacemaker Was Installed Over A Year Ago, But Within The Last 24 Months
Thankfully, there are final expense life insurance companies that only ask about heart or circulatory surgeries within the last 12 months. Since it’s been over a year, you can honestly say no to that question. You would be eligible for their level rates. Essentially, you would pay the lowest cost possible and you would be fully protected from day one. There would be no waiting period.
It’s important to note that there are not very many burial insurance companies that only look back 1 year on heart or circulatory surgeries. Most companies look back 2 years. Hopefully, you don’t have other health issues that prevent you from qualifying with the companies that look back 12 months. Don’t worry about figuring this out. Your Choice Mutual agent will figure all of this out for you.
Your Pacemaker Was Installed Over 2 Years Ago
In this circumstance, you are free and clear. 99% of final expense companies will offer you level rates. You will pay the least amount possible and you will have first day coverage.
What About A Battery Change?
It’s a good question, and one that needs to be addressed. Have the battery changed in your pacemaker usually entails an outpatient surgery that is incredibly minor. The question at hand is whether or not an insurance company views a battery change as a qualifying heart or circulatory surgery.
Here’s the bottom line.
Some companies will view a pacemaker battery change as a heart or circulatory surgery, and some will not. We absolutely have access to insurance companies that will NOT view a pacemaker battery change as a heart surgery. With them, you could have a battery change yesterday and still be able to qualify for level rates and immediate protection.Rejoice because having options saves the day! This is precisely why we work with many different companies. Imagine if we only had one or two companies, and both of them viewed a battery change as a heart surgery. You would be forced to pay higher premiums, and you would have a waiting period! Thankfully, that’s not how we do business. We have access to many different companies precisely for this reason. If you have recently had a pacemaker battery change, we would pivot to the companies that don’t view that as a heart or circulatory surgery.
Does The Type Of Pacemaker Matter?
The type of pacemaker you have means nothing. Both single chamber and dual chamber pacemakers are essentially one in the same. In fact, there are literally no burial insurance companies that will ever at any point ask you about what kind of pacemaker you have.
How To Find The Best Burial Insurance With A Pacemaker
By now you should have a good sense about what to expect based on your individual pacemaker situation. With that, finding the best burial insurance is actually very easy. In essence, your job is to find a highly qualified agency to assist you. Fortunately, you don’t have to look far for that because you already found us!
To find the best burial insurance with a pacemaker, you need to work with a broker, like Choice Mutual, that represents many different insurance companies. In the end, they will analyze your situation and determine which companies view your entire health profile most favorably. Then, it’s just a matter of sorting them by price to see which insurance company will offer you the best deal.
When it’s all said and done, a company like us will do all the heavy lifting for you. It’s really no different than relying on your accountant to prepare your taxes. You rely on their expertise and experience to make sure everything is done right. think of us like your personal burial insurance shopper. You tell us what you want. Our job is to find you the best deal. Fortunately, we are very good at accomplishing just that.
With that, even if you choose not to work with us, follow the same formula in regards to who you choose to work with. If you can find yourself an experienced broker with access to many different insurance companies, you will very likely get a good deal. We may be biased, but we don’t believe you could find a more experienced and better equipped company to help you find the best burial insurance plan.
Some Pacemaker Tips That Have Nothing To Do With Burial Insurance
Now that we have got the burial insurance stuff out of the way, we thought we would give you some helpful information you might not currently be aware of.
Did you know there are certain things you should avoid if you have a pacemaker?
It’s true; there are some things you should avoid when you have a pacemaker. Below is a list of stuff courtesy of mypacemaker.com. More than likely, your doctor went over stuff like this. We thought it might be helpful for you to see the list again in case you forgot.
**The information from their site does not take place of advice from your doctor. We are not giving medical advice. If you have any questions about your pacemaker, you should consult your physician. This information is purely meant as a convenience to make you aware about an issue you might have forgotten or were not aware of.
These have large electromagnetic fields. You should avoid these or keep them away at larger distances
- Boat motors (stay 12 inches away)
- Uninterruptable power source that is up to 200amps (stay 12 inches away)
- Induction cook tops (stay 24 inches away)
- Metal detectors (stay 24 inches away)
- CB radios & transmitters (see the devices’ user manual)
- Electric kilns (stay 24 inches away)
- Electric pet fences (stay 12 inches away)
These have medium electromagnetic fields. They don’t necessarily need to avoided, but it’s encouraged that you are mindful of keep at least 6 inches away
- All Wireless Phones
- Corded Electric Shaver
- Sewing Machines
- Back Massager
- Stereo Speakers
- Magnetic Bracelets
- Electric Mixer
- Bluetooth Or Wi-Fi Enabled Devices
- Electric Or Ultrasonic Toothbrush