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Article Easy Navigation
- Find Out How To Get A Low-Cost Burial Insurance For An Implantable Cardioverter-Defibrillator (ICD)
- ICD and Final Expense Insurance Companies
- ICD Underwriting Process Of Final Expense Insurance Companies
- Final Expense Insurance Underwriting Questions
- What Burial Insurance Companies Watch Out For In ICD
- How ICD Is Installed
- Heart And Circulatory Surgery And Insurance Companies
- Burial Insurance Companies Insurance Plan Offers for ICD
- ICD Battery Change And Burial Insurance Companies
- How To Find The Best Burial Or Final Expense Insurance If You Have ICD
- Impaired Risk Life Insurance Specialists
- How Much Does Burial Insurance Cost
Find Out How To Get A Low-Cost Burial Insurance For An Implantable Cardioverter-Defibrillator (ICD)
Can you get life insurance with a pacemaker? Having an implantable cardioverter-defibrillator (ICD), dealing with abnormal heart rhythm like AFIB, heart attack, or having heart disease may always mean expensive burial or final expense insurance plans…
This is not the truth at all!
We can tell you now that you can qualify for an insurance policy at the lowest price and will immediately cover you on day one.
In our decades of experience in the insurance industry, we have helped a lot of folks with ICD get the best possible coverage at the most affordable cost no matter what.
So stop presuming that having an ICD will always mean burial or final expense will cost an arm and leg.
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.
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
A lot of burial or final expense insurance companies out there will not even ask if you have a pacemaker or implantable cardioverter-defibrillator or ICD or as some would call it, a “heart defibrillator implant”- they wouldn’t even mention them in their underwriting questions. This means they are not in the lookout for it and that it’s perfectly fine with these insurers.
Also, 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.
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.
Health questions in the underwriting
In the health questions in the underwriting, all insurance companies will ask about all kinds of diseases that usually has a low chance of survivability according to statistics. Also, tobacco use and alcohol consumption are asked because they can make any disease worse or shorten a person’s expected life expectancy.
Good to know: The underwriting question wordings will be different from one insurance company to another.
The health questions may seem simple enough to answer, but make no mistake about answering them alone! In answering these questions, consulting with a seasoned Final Expense Insurance Specialists could make the difference between paying on the cheap or pay through the nose!
At any rate, in securing the best burial or final expense insurance plan, you should get in touch with an independent insurance specialist or agent to expertly guide you right from the start.
A well experienced and independent agent will have good knowledge of the insurance companies’ underwriting process and will know right away which insurance company will view your health the best.
Here at InsuranceForBurial.com, we are formed by a team of independent and highly experienced final expense specialists. We have a masterful knowledge of the underwriting process of every top-rated insurance companies that we have access to.
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.
- When was your ICD installed?
- Have you ever had your ICD battery changed? When?
- What caused you to need an ICD?
- What other diseases or health conditions do you have or had in the last 2 years?
- 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
What Burial Insurance Companies Watch Out For In ICD
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?”
The issue with this is that insurance companies consider the installation procedure of the Implantable Cardioverter-Defibrillator (ICD) as a heart and circulatory surgery- which is appropriate because the installation of ICD involves inserting a small wire in a vein to your heart.
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.
1. 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?
Do you want to get quotes from different top-rated insurance companies in your state?
- Your ICD was installed MORE THAN 12 months ago
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 InsuranceForBurial.com.
3. 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 InsuranceForBurial.com 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 Final Expense Insurance 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 have the driving passion to make sure that EVERYONE gets the best burial or final expense insurance coverage in the market! No matter what their health issues are.
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.
Talk to us now! We promise you a simple no non-sense interview process with no pressure at all whatsoever.