Burial Insurance with Angina: A Complete Guide
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Locking down burial insurance with angina may feel challenging, and the last thing you need with a heart condition is any stress! So, pull up a chair, you will be surprised to know that there are quite a few carriers who specialize in angina and it is quite possible to get day one coverage!
Do you know anyone who has ever died due to a heart attack? If the answer is yes, you understand that the condition can be life-threatening and even lead to death if left untreated.
The risk of having a heart attack rises with age; hence, many people think it’s not something that could happen to them shortly.
Fortunately, an insurance policy – known as burial or final expense insurance – can help your loved ones deal with financial obligations after your death. You may wonder whether this is the right time for you to buy such a policy or not.
This article will explain what burial insurance is and if it’s the right choice for you, given your current circumstances and needs. Keep reading to learn more!
Table of contents
What is Burial Insurance with Angina?
Burial Insurance with Angina is insurance that helps pay for funeral services and burial, or cremation, of the insured with an underlying medical condition.
Burial insurance with angina is meant to help people with pre-existing heart conditions or other medical conditions that may lead to sudden death.
If you’re diagnosed with a disease likely to cause you to die suddenly, burial insurance can help cover the cost of your death and funeral services.
Angina is a condition in which your heart muscle doesn’t get enough oxygen, which can cause chest pain. Angina can be a severe condition, leading to heart failure or even death if left untreated.
Most people with angina are treated with medication. However, some people do not respond well to medication and need surgery or other procedures to improve their symptoms.
If you have been diagnosed with angina and you want to ensure that your loved ones receive financial support in case something happens to you, burial insurance with angina may be right for you!
Symptoms of Angina
| Symptom | Description |
|---|---|
| Chest pain, pressure, or tightness | Feels like a band around your chest, which sometimes radiates to your neck, arms, and back. |
| Chest pain with exertion | Like walking upstairs or lying down. |
| Shortness of breath and rapid heart rate | Occurs when you’re not physically active. |
| Pain spreading | To your jaw, neck or shoulder, arm, or hand with movement up your shoulder blade (scapula). |
| “Angina” feeling | Usually occurs in the center of the chest and may make it difficult for you to breathe deeply and cough, laugh, sing, or talk. |
When there is chronic anemia, the body goes into overdrive and starts producing more 2-3diphosphoglycerate. This substance interferes with oxygen’s ability to attach itself to carbon dioxide molecules which can lead cause angina pectoris if not treated quickly enough by physicians!
What Does Burial Insurance with Angina Cover?
Burial insurance with angina covers the cost of burying the insured if they die from angina. It also covers the costs of memorial services, transportation, and other expenses related to death due to complications from angina.
Some policies will provide coverage for both cremation and burial, while others may only cover one option.
If your loved one has been diagnosed with angina, you must get a plan that specifically addresses this condition.
A burial insurance policy that includes coverage for angina could help save you money on funeral expenses.
How does burial insurance with Angina work?
Burial insurance with angina typically works by the insured person paying premiums to the insurer in exchange for a death benefit paid out to their beneficiaries upon the insured person’s death.
The death benefit can be used to cover funeral and burial expenses and any other debts or expenses the deceased may have.
Are medical tests necessary to qualify for burial insurance for Angina?
A burial insurance policy for angina does not require any medical tests to qualify.
Applying for funeral insurance does not require medical records or test results to be submitted. Instead, you are asked to answer a couple of basic questions about your health.
Usually, you will receive official approval from the insurance provider within minutes!
Is Angina related to Hypertrophic Cardiomyopathy?
The heart is a muscle that requires oxygen to function properly.
When the blood doesn’t have enough of this vital nutrient, it can lead to cardiomyopathy and angina pectoris which are both symptoms caused by a reduced supply in your body’s own cells.
Above all, these issues often occur because HCM causes abnormal myocardial perfusion (or lack thereof).
With wave intensity analysis we’re able to understand more about what happens when there isn’t enough O2 available for our beloved organ-a complex system requiring just as much attention but sometimes receiving less!
Burial Insurance Underwriting With Angina
If you have angina, you need to get your burial insurance underwritten.
Underwriting is the process by which a company determines whether or not you are likely to die in the next year. The insurer determines this by looking at your medical history and other factors.
When insurance companies underwrite a policy, what information do they usually ask for
- Aside from general health information, they will typically ask about any illnesses you might have.
- Also, they will ask about your medication history.
Based on your answers to these questions, you can assess your risk for certain diseases, such as angina.
If you have angina, your burial insurance underwriters must know about it so they can make sure that they’re paying enough out of pocket for burial expenses if you die while underwriting your policy.
Health Concern:
Burial insurance companies typically ask this question in many different ways. Here are some of the questions you may see when applying for angina:
Common Health Questions on Burial Insurance Applications
| Questions |
|---|
| Have you experienced angina (chest pains), aneurysms, or heart attacks within the past year? |
| In the past 12 months, have you had chest pain or discomfort caused by insufficient blood flow to your heart? |
| Have you suffered chest pain in the past twelve months when performing activities such as walking, jogging, biking, swimming, or stair climbing? |
| What is the treatment for angina? |
| Are you taking any medication for angina (chest pain)? |
| Do you have any conditions that increase your risk of suffering from angina attacks? For example, high blood pressure, high cholesterol levels, or diabetes. |
Check The Prescription history
If you apply for insurance, you might be asked for details about your current medications, including the generic names and dosage amounts.
A health underwriter verifies you are in good health by asking you health questions. It will raise a red flag if your answers do not match what prescription medications you take.
Common medications for Angina
A chest pain medication is often prescribed to manage angina.
These drugs can be very effective in relieving chest pain and reducing the risk of future heart attacks, but they can also cause side effects.
The following are some of the different medications for angina that may be prescribed:
Common Medications For Angina
| Medication | Description |
|---|---|
| Amlodipine | This medication is used to prevent heart attacks and strokes. It may decrease the risk of death from a heart attack, stroke, or other cardiovascular problems. |
| Atenolol | This drug relaxes the muscles in your arteries, which helps relieve chest pain caused by angina. |
| Caduet | This medication treats chest pain caused by high blood pressure. It may also be used with other medicines for the same purpose. |
| Carvedilol | This drug relaxes the muscles around your heart and helps reduce your risk of developing angina after a heart attack or stroke. |
| Coreg | Coreg is a combination of two medicines that help prevent angina attacks from recurring after an initial one. The first drug (carvedilol) relaxes the muscle around your heart, while the second (verapamil) slows down specific chemical processes in your body that cause chest pain. |
| Diltiazem | Diltiazem reduces inflammation in the body and effectively treats chronic stable angina that doesn’t respond well to conventional medications. |
Best insurance policy option for Angina
Some of the insurance policy options for angina are as follows:
2 Years Age Angina And Treatment Was
Most burial insurance companies ask about angina within the first two years. If you have angina in this category, you will qualify for a policy that offers first-day coverage.
When you pass away, your beneficiary will also receive 100% of the death benefit and the lowest premium. A first-day level death benefit plan is the best option.
More Than 12 Months Treated For Angina
Better options might exist for you, as some burial insurance companies inquire about angina only within a specific timeframe after treatment.
This plan with first-day benefits is the best option. It provides first-day benefits that cover you from the first day on and phase in the death benefit over time.
Last Year You Had Or Have Been Treated Chest Pains
First of all, you will not be able to receive a plan with no waiting period if you have experienced chest pains within the last 12 months.
Moreover, burial insurance will cost more compared to what a healthy individual would pay. Ultimately, Insurance For Burial guaranteed issue plan will be the most cost-effective plan for you.
Benefits will not be payable until two years after the Plan is issued.
Chest pain indicates a much more significant problem is on the way, so funeral insurance companies classify this condition as a high-risk one and charge a higher premium for coverage.
Why Would I Need Burial Insurance?
You can buy burial insurance with angina simultaneously as standard life insurance. It’s essential to understand why you need burial insurance with angina and what it can do for you.
People buy burial insurance mainly because they want to ensure their loved ones are buried in the right place and don’t spend too much money on the process.
Burial costs are often higher than cremation fees, and if you lose your savings through illness or accident, this can be an expensive way to pay for it.
By taking out a policy in advance (as soon as possible), you’ll be able to choose where your loved ones are buried and have some financial security at their funeral services.
How Much Does Burial Insurance With Angina Cost?
The cost of burial insurance with angina depends on the type and amount of coverage you need.
The most common types include single and multiple interment plans that cover basic costs, such as the cost of a grave plot or casket, or add-on coverage that pays for other expenses.
Burial insurance with angina can be expensive because it covers the total cost of your funeral, not just the burial plot or casket.
You’ll likely pay more for a basic burial plan than for cremation, given that burials are more common in the United States than cremations.
What Are The Benefits Of Burial Insurance With Angina?
The advantage of burial insurance with angina are as follow:
- The benefits of burial insurance with angina go beyond just replacing a lost loved one and helping you get through the grieving process after a loss by providing financial assistance in the form of a death benefit and guaranteed lifetime income.
- You can choose how much coverage you need, depending on how much money you want to set aside for funeral expenses.
- It allows you to plan for your family’s future by providing funds for a memorial service and funeral expenses, including cremation or burial services (if desired).
- Burial insurance with angina can help alleviate some of the financial burdens in an unexpected death and provide peace of mind if it happens unexpectedly due to accidental injury or illness.
- Burial insurance can be bought separately or as a benefit under a life insurance policy.
- If you have an existing life insurance policy, you may want to add burial insurance as a rider option to your current policy.
How To Find The Best Burial Insurance With Angina?
Regarding burial insurance for those with angina, you should work with a life insurance agency that specializes in getting life insurance for high-risk clients, like InsuranceForBurial.
We specialize in obtaining life insurance for high-risk clients. We help you to get the lowest premiums is one of the most significant steps you can take to save money on your insurance.
Our company aims to help you find affordable insurance coverage by working with many A-rated insurance companies on your behalf.
Doing so will increase your chances of receiving affordable rates.
Our team understands how life insurance for angina has different underwriting requirements. In addition, we know which companies offer the best coverage for your health condition.
We also know what options are available, so we can help you find a plan that fits within your budget and meets your needs.
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FAQs
How do burial insurance and regular life insurance stack up against each other?
Imagine burial insurance as a special savings jar, only for covering funeral costs. On the flip side, regular life insurance is like a safety net, giving your family some extra money to use however they need.
I’ve got angina. Is burial insurance still an option for me?
You bet! While having angina can make things a bit trickier, many insurance places are ready to help. The key is finding the right fit—some might charge a bit more based on your health.
So, how do they figure out what I have to pay if I have angina?
Insurance folks take a close look at things like how old you are, your overall well-being, the specifics of your angina, and when you first got the news about it. With that info, they work out a number.
Know of any insurance places that are especially good for folks with heart stuff like angina?
Actually, yes! Some insurance spots specialize in helping those with heart concerns, angina included. It’s all about asking around and finding your best match.
One last thing: will my payments shoot up later because of my angina?
Well, it’s a maybe. Some burial insurance plans promise to keep your costs steady. So, always best to dig into the details and get the full scoop.
Conclusion
In conclusion, people with angina can get burial insurance, but it may be more expensive than those without the condition.
A few companies specialize in burial insurance for people with pre-existing conditions, and it is worth shopping around to get the best rate.
Our agency has highly trained agents who specialize in the underwriting niches for all burial insurance companies.
The agent’s goal is to find coverage on the day of your death, regardless of your moderate health conditions.
Assisting you in getting the best coverage possible will be their priority if they cannot find you coverage on the day of your death.
We are here to answer any questions you may have and guide you through the entire process from the beginning to the end.
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