How To Buy Burial Insurance Coverage with a Pacemaker in 2024

Danny Ray last updated on February 13, 2024

Written by Daniel Ray, Life Insurance Expert | ✅ Fact Checked by

Lisamarie Monaco | Editorial Disclosure

You are at the right place if you are in search of urial Insurance Coverage with a Pacemaker.

The risk of a pacemaker malfunction is one that many senior consumers are not aware of.

If the device malfunctions, seniors may be forced to choose between expensive surgeries and costly medical bills for necessary care until they die. Burial insurance can help cover these costs in case of an unexpected event.

A funeral director can work with you and your family to find a policy that will suit your needs best.

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How to Get a Low-Cost Burial Insurance with a Pacemaker
Final Expense Insurance With A Pacemaker
Can You Get Life Insurance With a Pacemaker
Pacemaker Underwriting Process of Final Expense Insurance Companies
How a Pacemaker is Surgically Installed
Pacemaker Battery Change And Burial Insurance Companies
FAQ
Conclusion

How to Get a Low-Cost Burial Insurance with a Pacemaker

Does insurance cover pacemaker?

A lot of folks with cardiac pacemakers have approached us under the impression that having a pacemaker would make it difficult for them to get an affordable burial or final expense insurance coverage.

We told them to relax and explained that anyone who has a pacemaker can certainly qualify for the lowest priced insurance coverage with no waiting period.

Just like what we’ll explain to you now in this article. Having a pacemaker is on our qualified health impairment same-day coverage list.

We have helped a lot of folks with pacemakers get final expense insurance coverage at the lowest cost possible with no waiting time period.

Quite similar to when you are looking for health insurance for pacemaker patients, similar criteria, and guidelines.

It is imperative you speak with an experienced field underwriter in order to guide you in the right direction. Every insurance carrier is different and they will have different guidelines.

So it is important to go over every detail with your agent, right down to your prescription medications.

Final Expense Insurance With A Pacemaker

Now, it’s time to let us help you!

Can I get life insurance with a pacemaker?

In this article, we will explain the circumstances where anyone with a pacemaker can secure burial insurance coverage at a minimum price with instant coverage.

And on the other hand, we will also tell you the situations with your pacemaker where you need to pay a bit higher with a waiting time period.

Can You Get Life Insurance With a Pacemaker

Pacemaker and Final Expense Insurance Companies

The good news

Are pacemakers covered by insurance?

One of the reasons why pacemakers are not an issue with insurers now is because these little technological wonders in the medical industry have improved a lot more now and are highly reliable and effective.

Statistically, people who have pacemakers or other implanted cardiac devices like ICD can now lead happy and unrestricted lives.

In the insurance companies’ underwriting questions, It is extremely rare to come across a question that mentions the words “cardiac pacemaker” or “pacemaker”- this means that they are NOT on the lookout for it, so they’re perfectly fine with it.

Life insurance with a pacemaker – today and day one coverage! You will be surprised!

The type of pacemaker you have will not affect the quality and price of the insurance policies that will be offered by the insurance companies.

Also, even when you have a pacemaker, the insurers will not require you a medical or physical exam to get a burial or final expense insurance coverage.

We have helped countless clients with a pacemaker in securing a burial insurance plan at the lowest price possible with immediate coverage on day one- this plan is usually called “simplified”, “preferred”, or “level” by the insurance companies.

To qualify for a simplified insurance plan with a pacemaker or any pre-existing disease for that matter, you need to go through an underwriting process.

Remember, the only way to get qualified for a simplified insurance plan is through an underwriting process regardless of your situation.

The bad news

None, believe it or not… It’s true! you will never pay a higher premium because you have a pacemaker.

Now, while it’s true that having a pacemaker will not be a problem- having it recently installed will be an issue that the burial insurance companies will be strict about.

The installation of the pacemaker will be considered as a heart and circulatory surgery as far as the underwriting insurer is concerned, and the set of underwriting health questions from the insurers will always have a question about whether if you had a recent heart or circulatory surgery within the last 24 months.

So if you had your pacemaker within the last 24 months, you will have to answer yes and you won’t qualify for a simplified insurance plan anymore.

But don’t lose hope! We may still get you approved for a simplified insurance plan from a few top-rated carriers that only has a 1-year look back on heart and circulatory surgery.

Now, for whatever reason, you still didn’t get offered a simplified insurance plan, don’t worry! We can certainly get you the next best deals for burial insurance from top-rated insurers in the country.

Pacemaker Underwriting Process of Final Expense Insurance Companies

In the underwriting process, insurance companies will ask their health questions about other diseases like atrial fibrillation that they take issues with that you might have in the past or present.

They will also ask about certain high-risk treatments or procedures like heart and circulatory surgery.

Tobacco use, alcohol, or other illicit drug use are common inquiries as well.

Insurance companies will also review your prescribed medication history to check if you have other diseases, treatments, or health conditions that they deem high-risk.

By reviewing your medication history, they can conclude what diseases you had or have from the medications that you’ve been prescribed.

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

Now, it’s true that a lot of burial insurance companies’ underwriting questions will not mention the word pacemaker at all.

However, every burial or final expense insurance company will certainly ask if a senior applicant had a recent heart attack or circulatory surgery.

The question commonly goes something like this:

“In the last 24 months, did you have a heart or circulatory surgery?”

If you had heart or circulatory surgery within the last 12 months— you have to pay more and endure a waiting time period— there’s no way around this.

Likewise, if you recently had your pacemaker installed within the last 12 months, you have to say yes to the heart and circulatory question.

“But why?” you ask. Let us explain…

Insurance companies consider the surgical installation of a pacemaker as a heart and circulatory surgery. That’s why.

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How a Pacemaker is Surgically Installed

The installment procedure of a pacemaker is where the surgeon will thread the leads or wires through a vein until it reaches the heart’s right ventricle to monitor the heart’s rhythm.

After confirming that the leads are in the right place and working properly, the leads will now be connected to a battery-powered pulse generator. Then, the pulse generator will be inserted under the skin of your chest right below the collarbone by your doctor.

To be certain that the pacemaker is working properly, you might be asked to stay in the clinic or in the hospital for a day to monitor and make sure that the pacemaker is working properly and will make adjustments as needed to the pacemaker.

Expert Guide To Underwriting Questions

As you may have noticed, every insurance company will have different rules and guidelines that they follow, like how insurers consider the installation of a pacemaker as a high-risk heart and circulatory surgery.

Underwriting health questions are not all the same if you take it upon yourself to gather all the underwriting questions sets from different insurers.

You will find that insurance companies will have their own version of underwriting health questions.

Now, the health question in the underwriting may sound plain and you may think that it’s easy enough to answer them all on your own.

While that may be true, it would be at your greater advantage if you have expert help in answering these questions.

This is one of the critical situations where our expertise will significantly help you in getting the best deal possible.

Consulting with one of our highly experienced Final Expense Insurance Specialists would help you avoid answering inadequately and will keep you from answering excessively.

Answering inadequately will look as if you’re omitting the truth and answering excessively would negatively affect the quality and price of policies that you’ll be offered.

Furthermore, a well-experienced and independent agency will have good knowledge of the insurance companies’ underwriting process and will come back to you right away with the best top-rated insurance companies that will view your health the best.

Whatever happens, you should get in touch with a reputable independent insurance specialist or agency like InsuranceForBurial.com to expertly guide you right from the start for the best policy offers from top-rated final expense insurance companies.

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

Heart and Circulatory Surgery Questions In The Underwriting

Moving forward with us, we would have told you that surgically installing a pacemaker will count as heart and circulatory surgery by insurance companies.

In the underwriting questions, every insurance company will ask if you had a heart or circulatory surgery. This is how the question would usually be worded:

In the last 24 months, did you have any type of heart or circulatory surgery?

Earlier we explained that the surgical installation of a pacemaker is considered a heart and circulatory surgery procedure by insurance companies.

So depending on when you had your pacemaker installed, these are the various coverage plans that burial or final expense insurance companies will offer.

Your Pacemaker was installed MORE THAN 24 months ago

The lowest monthly premium with immediate insurance coverage starting day one.

You will NOT have any trouble in being offered a simplified insurance plan from any burial insurance company. You can apply to any insurance company you want as long as they offer the best deal on a simplified insurance plan.

Now, you wouldn’t want to apply to just any company now… you want the country’s top-rated insurers!

Your Pacemaker was installed MORE THAN 12 months ago

The majority of the insurance companies will charge more per month and will have to place you on a waiting period.

Thankfully, we have access to some of the country’s top-rated insurance companies that can still offer a simplified burial insurance plan if your pacemaker was installed over a year ago but within 2 years.

So hopefully, you’ll get in touch and move forward with us to get you sorted out in this situation.

3. Your Pacemaker was installed WITHIN the last 12 months

Higher monthly premiums with a waiting time period cannot be avoided.

If this is your case, you will get offered insurance plans that will cost 15 to 30% more than a simplified plan would cost with a waiting time period of usually 24 months.

If you pass away within the waiting time period, all of your payments will be refunded plus a 10% interest to your beneficiaries.

This is not that bad considering you are still getting coverage and your beneficiaries will get more money even if you didn’t get past the 24 month waiting period

Good to know: This insurance plan is much better than a Bank “Certificates of Deposit” (CD) or “Share Certificate”. No bank CD or Share Certificate will give a 10% interest back.

Pacemaker Battery Change And Burial Insurance Companies

Some of the insurance companies out there will still consider changing the battery of your pacemaker as a heart and circulatory surgery procedure. To them, it’s as if you recently just installed your pacemaker.

The procedure involves replacing the old pacemaker unit with a new one, but in most cases, the wires will not be replaced.

Thankfully, we have access to a few top-rated burials or final expense insurance companies that are perfectly fine with a pacemaker battery change- that it will still be a simplified plan offer.

So, hopefully, you’ll move forward with us to avoid insurance companies that are strict with battery change for a pacemaker.

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

The qualities that you should be looking for in an insurance coverage plan for a pacemaker are the following:

The insurance company with the lowest monthly premium.
The insurance company that can offer a simplified plan that only has a 12 months look back on pacemaker installation.
The insurance company that can offer a simplified plan even if you have a recent pacemaker 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 a pacemaker!

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

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.

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 only need from you is a little bit of your time to know your situation and we will provide the best options.

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

Talk to us now! We promise you a simple no-nonsense interview process with no pressure at all whatsoever.

FAQ

Can I still get burial insurance with a pacemaker?

Yes, it is still possible to get burial insurance coverage even if you have a pacemaker. However, your options may be limited, and you may need to shop around to find a policy that meets your needs.

Will my pacemaker affect my burial insurance premiums?

It depends on the insurance company you choose and the type of policy you purchase. Some companies may charge higher premiums for individuals with pacemakers due to the perceived higher risk. However, others may not consider a pacemaker to be a significant factor in determining your premiums.

What types of burial insurance policies are available for individuals with pacemakers?

The types of burial insurance policies available to individuals with pacemakers are similar to those available to individuals without pacemakers. These include term life insurance, whole life insurance, and guaranteed issue life insurance. However, not all insurance companies may offer these options to individuals with pacemakers.

How do I find the right burial insurance policy with a pacemaker?

To find the right burial insurance policy with a pacemaker, it is recommended that you shop around and compare quotes from multiple insurance companies. You should also consider working with an insurance agent who specializes in burial insurance and has experience working with individuals who have pacemakers.

What information do I need to provide to the insurance company when applying for burial insurance with a pacemaker?

When applying for burial insurance with a pacemaker, you will need to provide the insurance company with information about your medical history, including details about your pacemaker and any other health conditions you may have. You may also need to undergo a medical exam to provide the insurance company with more information about your overall health and risk factors.

Conclusion

We’ve talked with a lot of people who had the same concern. It turns out, most insurance providers don’t require you to disclose that you have an implantable pacemaker when applying for life or burial coverage.

That means there are more options available than many folks realize! If you think this is something your family might be interested in, take a moment and get a quote from us today.

Life insurance can help them protect their loved ones after they pass away; final expense policies make it so they won’t need to worry about funeral costs–all while being able to stay close by during those trying times.