The Truth about Burial Insurance With A Defibrillator in 2024

In this article, The truth about burial insurance with a defibrillator we will cover everything you need to know in 2024.

Seniors and their families face financial considerations when living with implantable cardioverter defibrillators (ICDs).

To alleviate this burden, burial insurance offers vital protection, guaranteeing that loved ones do not bear financial strain during challenging times. In this comprehensive guide, we will delve into the significance of burial insurance for seniors with ICDs.

Additionally, we will explore various coverage options, discuss funeral planning considerations, and provide expert tips to secure your family’s financial future. Join us as we embark on this journey together!

The ABCs of Burial Insurance

In the journey of life, the final destination is often something we’d rather not think about. But when it comes to planning for your family’s future, considering every aspect, including end-of-life expenses, is crucial.

Burial insurance, also known as final expense insurance, covers the costs of funerals and other end-of-life expenses.

As a senior living with an ICD, a burial insurance policy can help ensure that your family won’t be burdened with these costs.

Unlike traditional life insurance, burial insurance doesn’t require a medical examination.

Instead, the insurance company bases premiums on your age and health history. As you might expect, having an ICD can influence these premiums.

However, this doesn’t mean obtaining burial insurance is impossible or excessively expensive.

Burial Insurance for ICD Patients: A Necessity, Not a Luxury

A common question among ICD patients is, “Can I qualify for life or burial insurance given my medical condition?” The answer is an emphatic yes.

At, we believe that everyone deserves a safety net, regardless of their health history. That’s why we offer affordable and comprehensive burial insurance for heart disease patients, including those with an ICD.

Opting for burial insurance with a defibrillator can be the most compassionate decision you make for your family. It ensures they won’t have to grapple with financial difficulties during an emotionally challenging time.

Of course, there will be some factors with ICD that can affect the price and quality of the coverage plans that you will be offered. We will discuss more this on the underwriting of ICD.

To understand how you can qualify for a coverage plan at the lowest cost and immediate coverage, continue reading…

ICD is on our qualified health impairment list for day one approval!

Or better yet, call one of our highly experienced Final Expense Insurance Specialists, they are amazing! they can expertly tell you which top-rated insurance company will give you rock bottom price with immediate coverage for having an ICD.

Securing Burial Insurance with a Defibrillator: The Role of Graded Policies

Having an Implantable Cardioverter Defibrillator (ICD) shouldn’t be a barrier to obtaining burial insurance.

In fact, many insurance companies offer what are known as graded policies specifically for individuals with pre-existing conditions like an ICD.

Graded policies are a type of burial insurance that gradually increase the benefits over time, usually over a period of two to three years.

This means that if the insured individual passes away during the initial years of the policy, the payout would be less than the full benefit amount.

However, after the graded period, the policy pays out the full benefit amount.

Why graded policies, you may wonder? Well, insurance is about managing risk.

For individuals with certain health conditions, the perceived risk is higher.

Graded policies balance this risk, making insurance more accessible to a wider group of individuals, including those with an ICD.

Remember, while the graded period might seem like a downside, these policies offer the opportunity to secure financial protection that might otherwise be hard to obtain.

The goal is to ensure your loved ones have financial support when they need it most.

At, we help you navigate through your options, including graded policies, to find the burial insurance plan that’s the right fit for you.

Even with a defibrillator, you can find affordable and comprehensive coverage that provides peace of mind and financial security for your family.

ICD and Final Expense Insurance Companies

Let’s start with the bad news

None, believe it or not… having an ICD will not be an issue with a lot of insurance companies.

Now, while it’s true that having an ICD will not be an issue with burial insurers, there are some circumstances that can affect your chance of being offered rock bottom price with instant coverage.

Aside from another serious disease that the insurers might take issue with,  there are common situations in having an ICD that can affect the quality and price of the coverage plans you’ll be offered.

A lot of insurance companies will take issues if you recently had your ICD installed or had a recent battery change- more about this on the underwriting process of ICD.

The good news

You won’t need to go through a medical or physical exam to secure a burial or final expense insurance coverage.

We have helped a lot of clients in easily securing a burial insurance plan at rock bottom price with immediate coverage on day one- this plan is usually called “simplified”, “preferred”, or “level” by the insurance companies.

“So does this mean that I automatically qualify for a simplified plan?” you ask.

Not yet, for you to secure the lowest costing plan with instant protection, you need to go through an underwriting process first.

Defibrillator Policy
Aetna (Protection Series) Decline
American Amicable (Senior Choice) If implanted within 2 years, ROP. If implanted between 2 and 3 years ago, Graded
CFG Decline
CVS (Aetna Accendo) If implanted within 1 year, Modified. If implanted between 1 and 2 years ago, Standard
Foresters (BrightFuture) Decline
Foresters (PlanRight) If implanted within 1 year, Basic. If implanted between 1 and 2 years ago, Standard
GPM If implanted within 2 years, Graded
Great Western If implanted within 2 years, Graded
Guarantee Trust Life If implanted within 2 years, Decline
Liberty Bankers Decline
Lincoln Heritage If implanted within 2 years, Modified
Mutual of Omaha (Children’s Whole Life) Decline
Mutual of Omaha (Living Promise) If implanted within 1 year, Decline. If implanted more than 1 year ago, Graded
Prosperity (New Vista) If implanted within 2 years, Modified
Royal Arcanum (Graded Benefit) Graded
Royal Arcanum (SIWL) Decline
Royal Neighbors If implanted within 18 months, Decline. If implanted between 18 months and 2 years ago, Graded
SBLI (Living Legacy) Modified
Security National (Loyalty Plan) If implanted within 2 years, Modified
Sentinel If implanted within 2 years, New Vantage III (Modified). If implanted more than 2 years ago, New Vantage II (Graded)
Trinity Life If implanted within 1 year, Decline. If implanted between 1 and 2 years ago, Graded
UHL If implanted within 1 year, Decline. If implanted between 1 and 2 years ago, EIWL

ICD Underwriting Process Of Final Expense Insurance Companies

Underwriting process, in general, is when the burial or final expense insurance companies will find out if you have other diseases, health conditions, alcohol or tobacco use, etc. They will also ask about your lifestyle and review your prescribed medication history.

Essentially, final expense insurance companies will assess all aspects of your health so that they can categorize the level of your risk and to be able to know what kind of insurance coverage they can offer.

How far back do life insurance companies look at medical records?

In the underwriting process, insurance companies will ask about the following:

  • Questions about your present and past diseases (if there’s any) and lifestyle.
  • Prescribed medication history assessment.

The underwriting process is like going through a maze – it can be confusing and a bit scary.

It’s where insurance companies ask about all kinds of sicknesses.

They look into the ones that people usually don’t recover from, according to what statistics tell us. Also, they check if you smoke or drink alcohol. Why?

Well, these habits can make any sickness worse and might even shorten your life.

But here’s something you should know: the way these questions are asked can change from one insurance company to another. They might seem easy to answer, but don’t rush!

Getting help from a Final Expense Insurance Specialist can make a big difference. It can help you avoid paying too much money.

So, when you’re looking to get the best burial or final expense insurance plan, don’t do it alone. Connect with a specialist who knows the ropes.

They can guide you through the process from start to finish. A good specialist knows all about the insurance companies and their rules.

This means they can figure out which company will offer you the best deal considering your health situation.

Final Expense Insurance Underwriting Questions

What we only need from you is a little bit of your time for your details.

ICD specific questions

If you moved forward with us, at this point, we already know that you have an implantable cardioverter-defibrillator (ICD). We will have more questions for you about having an ICD.

  1. When was your ICD installed?
  2. Have you ever had your ICD battery changed? When?
  3. What caused you to need an ICD?
  4. What other diseases or health conditions do you have or had in the last 2 years?
  5. What medications are you taking for your other diseases and health condition?

With your answers to the above questions, we can now determine what kind of coverage you will be eligible for.

What Burial Insurance Companies Watch Out For In ICD

What is the best final expense insurance company?

At this point, it’s pretty much clear that insurers will take issue with when you have your ICD installed or battery changed- aside from other diseases or conditions you may have that they may be strict with.

How ICD Is Installed

Basically, the installment procedure of ICD is where your doctor will thread a small wire through a vein until it reaches your heart’s right ventricle to monitor your heart’s rhythm.

After confirming that the wire is in the right place and working properly, the wire will now be connected to a battery-powered ICD generator.

Then, the ICD generator will be inserted under the skin of your chest right below the collarbone by your doctor.

Heart And Circulatory Surgery And Insurance Companies

Every burial or final expense insurance company will ask if you had heart and circulatory surgery within the last 12 or 24 months in their underwriting questions.

Usually, the question goes something like, “In the last 24 months, did you have a heart or circulatory surgery? When?”

When it comes to implanting an Implantable Cardioverter-Defibrillator (ICD), insurance companies see it as a heart and circulatory surgery.

And they’re right to do so. Why?

Because setting up an ICD involves a specific procedure where a small wire is inserted through a vein leading to your heart. But that’s not the whole story.

Let’s also consider pacemakers, another common device installed to regulate heart function.

Just like ICDs, the process of installing pacemakers is also viewed as a circulatory surgery by insurance companies.

After all, both these devices involve similar surgical procedures which connect directly to your heart.

So, while these operations are essential for maintaining a healthy heart rhythm, it’s important to understand how they can impact your insurance prospects.

Here’s where our team can offer valuable insights to guide you through the complexities of insurance policies concerning heart surgeries and implants.

The bottom line

If you had a heart or circulatory surgery within the last 12 months, insurance companies can only offer burial or final expense insurance plans at higher premiums with a waiting time period. The extra cost and waiting time may vary from different insurance companies.

If you had one over 12 months but under 24 months (13 to 24) you can get a simplified insurance plan from a few top-rated insurance companies.

Burial Insurance Companies Insurance Plan Offers for ICD

Who has the best burial insurance? So by now, it’s pretty obvious that the most common factors with having an ICD are the time you have it installed and when you have your last battery change.

Here are the various ways how insurance companies may offer burial or final expense insurance plans for someone who have ICD.

Your ICD was installed MORE THAN 24 months ago

In this case alone, you will have no problem getting a simplified burial insurance plan. The monthly premiums will be as low as they can come with immediate insurance coverage starting on day one.

Any burial insurance company will welcome you, but you wouldn’t want just any insurance company, right?

Your ICD was installed MORE THAN 12 months ago

Do you want to get quotes from different top-rated insurance companies in your state?

In this case, a lot of burial or final expense insurance companies will now offer higher premiums with a waiting time period.

Fortunately, we have access to a few top-rated insurance companies out there that can still offer a simplified burial insurance plan if your ICD installation was over a year ago. So hopefully, you moved forward with us here at

Your ICD was installed WITHIN the last 12 months

If this is your case, you will be offered insurance plans that will cost more than a simplified plan and it will have a waiting time period of 24 months.

This is not that bad considering coverage is still available and that it will be not that expensive. Usually, monthly premiums will cost 15 to 30% more than from a simplified plan.

ICD Battery Change And Burial Insurance Companies

Some insurance companies still consider an ICD battery change as a heart and circulatory surgery procedure.

Thus, with these companies, it’s as if you recently had your ICD installed like #3 above, they will only offer coverage plans at a higher cost with waiting timer period.

Thankfully, we have access to a few top-rated burial or final expense insurance companies that are perfectly fine with ICD battery change- with them, you can still qualify for a simplified insurance plan.

So, hopefully, you’ll move forward with us if you had your ICD battery changed within the last 24 months to avoid insurers that are strict with it.

How To Find The Best Burial Or Final Expense Insurance If You Have ICD

The qualities that you should be looking for in a coverage plan with ICD are the following:

  • The one with the lowest monthly premium of all insurance companies.
  • The insurance company that can offer a simplified plan that only has a 12 months look back on ICD installation.
  • The insurance company that can offer a simplified plan even if you have a recent ICD battery change.
  • The policy has the highest benefit payment with immediate coverage.
  • The insurance company is financially stable with a proven track record.

We here at can exactly get you these coverage qualities for anyone who has ICD!

We have helped a lot of folks who have ICD- even the ones who got theirs installed over 12 months (but under 24) or recently had their ICD battery changed.

Impaired Risk Life Insurance Specialists

We are an independent insurance agency with a team of highly experienced Specialists that has access to the country’s top-rated A+ insurance companies that only offers top-tier insurance policies with innovative additional benefits at no extra cost.

We’re more than just an agency, we’re a group of people driven by a deep-rooted passion to ensure EVERYONE gets the best burial or final expense insurance coverage in the market!

We believe that your health issues, including pre-existing conditions, such as congestive heart failure, or heart attacks, or even chronic bronchitis, should not stand in the way of your access to excellent coverage. has you covered!

Our team stands by you, ready to navigate the insurance terrain, and find you the best possible options, no matter your health situation.

How Much Does Burial Insurance Cost

We have a masterful knowledge of the underwriting questions and rates of every top-rated burial or final expense insurance company that we represent.

What we need from you is a little bit of your time to know your details.

With your details, with funeral insurance compare to the market we can absolutely tell you which company will offer the best possible insurance plan no matter when you had your ICD or if you have other serious diseases or recent surgeries.

Related Articles


Burial Insurance For People With a Defibrillator is an important topic for those who have heart conditions.

It can be difficult to find affordable burial insurance, but it doesn’t need to be that way.

While offering a high-quality plan at our low rates and we work with you every step of the way!

You will know exactly what your options are when it comes time to make decisions about funeral arrangements in case something happens unexpectedly.

Get started today by filling out this quote form or calling us directly!

More Burial Insurance Resources