The Truth About Burial Insurance with Arrhythmia In 2024

Above all, if a senior consumer is looking for burial insurance with arrhythmia and reading this then you may have had symptoms, or been treated for heart arrhythmia.

In this article, we will go over heart arrhythmia extensively so you can make the best choice when looking for burial insurance with arrhythmia.

Consumers will go over how this will affect the rate, and which carriers are best for family members being protected from a financial burden.

In fact, you may have heard that you need to have burial insurance when you have arrhythmia. While that’s not exactly false, it is misleading. You don’t need to purchase a specific type of policy; you need to make sure that you and your family are financially ready in case something happens.

That means preparing a will, final instructions, and figuring out how to pay your final expenses. 

Arrhythmia is the term for irregular heart rhythms. It affects millions of Americans and can lead to severe consequences if left untreated. If you are one of these people, does this mean you also need burial insurance?

Arrhythmias could lead to other complications like sudden death syndrome or cardiac arrest. But there are many reasons why having some money set aside for an unexpected passing is beneficial for everyone, regardless of their heart condition.

Burial Insurance With Arrhythmia

Burial insurance arrhythmia is a type of life insurance that pays for the cost of your funeral and burial expenses. The most likely cause of death for this type of insurance is natural causes which can be contributed to arrhythmia or irregular heartbeat.

People purchase burial insurance with arrhythmia to ensure their loved ones are taken care of financially if they pass away suddenly and unexpectedly.

Arrhythmia refers to an abnormality in the heart’s rhythm. The condition can cause sudden cardiac arrest (SCA) when the heart stops beating, and blood stops flowing to the brain.

There is no specific time or warning sign for SCA. It can happen at any moment. When an arrhythmia causes SCA, it can lead to death within minutes unless emergency help arrives quickly.

Many people mistakenly believe that they can’t get life insurance with a pre-existing condition like heart disease or high blood pressure, but this isn’t true. If you have a chronic illness, like heart disease or high blood pressure, it doesn’t mean that you won’t be able to get a policy at all.

It means there will be some restrictions on the amount of coverage available to you, and premiums will likely be higher than those without these conditions.

Symptoms of Arrhythmia

The most common symptoms of arrhythmia are:

Palpitations (awareness of your heartbeat): Feelings of rapid or irregular heartbeat, often described as fluttering in the chest.

Shortness of breath: Feelings of difficulty breathing, usually with exercise and exertion.

Dizziness or fainting (syncope): Feelings of lightheadedness and dizziness that can cause you to lose consciousness.

Excessive sweating (circumoral pallor): Feeling clammy or sweaty on the palms of your hands or soles of your feet.

Fatigue and weakness: You feel tired, even after sleeping well.

Chest pain or discomfort: Discomfort in your chest that may feel like pressure or tightness, especially when breathing deeply or coughing.

What Does Burial Insurance with Arrhythmias Cover?

Burial insurance will pay out a lump sum amount upon the policyholder’s death. The payout size will vary depending on the policy you choose and your age at the time of purchase. Many policies also include an additional payment if you or your spouse pass away before age 65.

For example, if you purchased $10,000 worth of burial insurance with arrhythmias coverage, this policy would pay out $10,000 upon your death if you were 60 years old at the time you purchased it.

However, if you bought it when you were in your twenties, it would only pay out $5,000 because that is all that is needed for a younger person’s funeral expenses.

How does burial insurance arrhythmia work?

You can buy a burial plan with arrhythmia coverage and pay extra for it. The cost varies depending on the coverage you want and the company offering it. Some companies have plans that include a specific range at no extra cost; others require an additional payment.

If you choose burial insurance with arrhythmia coverage, you need to ensure that your family will have money to cover your funeral expenses after you die. The best way to do this is to take out life insurance on yourself during your working years to have enough money available when needed most.

Do I need a medical test to qualify for Burial insurance for arrhythmia?

No. There is no medical test required to qualify for burial insurance for arrhythmia.

In fact, you only have to answer a few basic questions about your health when applying for funeral insurance. You won’t need to submit any medical documents or blood or urine samples throughout the application procedure.

The insurance provider will usually give you an official approval in minutes!

Best Burial Insurance Carriers with Arrhythmia

Above all, when you are looking for the best option when you have arrhythmia and looking for burial insurance then you need to talk to an expert. You see, burial insurance is not a one size fits all and every insurance carrier will look at you differently.

Here are the Top Burial Insurance Carriers for Arrhythmia:

Carrier Name Coverage Type
Foresters Financial Plan Right Preferred
CVS Accendo Preferred
SBLI Living Legacy Preferred
AMAM Senior Choice Immediate
Royal Neighbors Simplified Issue Level

These all will offer day one coverage with no waiting period. Call us today and you can be covered in minutes.

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Burial Insurance Underwriting With Arrhythmia

What information do insurance companies typically request during the underwriting process?

  • Typically ask about your overall health and any other illnesses you may have.
  • They will also ask about your history of prescribed medications.
  • A third question that is often asked is whether or not you have ever been hospitalized for any reason.

These questions help determine how high or low your risk is for developing certain diseases such as heart disease.

Health Concern:

One of the health questions may be about if you have an arrhythmia. These queries typically require a yes or no answer. The following are some sample questions that might be asked:

  • Have you ever had a heart attack?
  • Have you ever had a stroke?
  • Do you take any medications? If so, what kind and how often?
  • Have you ever been diagnosed with arrhythmia? What type and how long ago? What treatments were performed?
  • How did it affect your daily life and work performance?
  • How do you feel today? Over the past week, month and year?

Most health questions on burial insurance applications refer to recent periods, such as 12 months. They will almost always inquire if you’ve ever had it before when it comes to arrhythmia.

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Check The Prescription history.

During the underwriting process, your insurance company may ask for details about any medications you are currently taking, including generic names and dosage amounts.

The purpose of the underwriting process is to confirm your health status. The insurance provider will raise a red flag if your responses to the health inquiries do not match the prescription medications you take.

Common medications for arrhythmia

Flecainide (Tambocor): Used to treat ventricular tachycardia and other arrhythmias.

Amiodarone (Cordarone, Pacerone): Used to treat atrial fibrillation and other heart rhythm disorders.

Sotalol (Betapace, Sorine): Used to treat ventricular tachycardia and other arrhythmias.

Procainamide (Procanbid): Used to treat supraventricular tachycardia and other arrhythmias.

Beta-blockers (Metoprolol, Toprol XL): Used to treat high blood pressure and angina by lowering heart rate and reducing stress on the heart muscle.

The insurance companies will view you as having arrhythmia if you take any of these prescription medications. However, if you take medicines to control your condition, the insurers will see this as positive.

Therefore, as long as you don’t have significant changes in your medication recently, taking drugs to regulate your heartbeat will not be counted against you.

If you’ve been filling your prescription for more than two years, it’s considered a good sign that your irregular heartbeat is under control. If you’ve lately taken a lot of prescription medicine, this could signify an unstable heart condition.

What is the advantage of burial insurance with arrhythmia? 

The following are some of the benefits of burial insurance with arrhythmia:

Payment flexibility – You can pay for your policy monthly or annually. You can also choose to pay in installments or whole. You can also select to make additional payments during your policy term.

Flexible payment options – You can pay for your policy with cash, check, or credit card. Some companies offer payment plans, so you don’t have to pay all at once or pay interest on your premium payments.

Low-interest rates – Some companies offer low-interest rates on their policies so they don’t have to charge large amounts of money upfront or during the policy’s life (which would increase the cost).

Peace of mind – Having a pre-need plan ensures that you won’t have to worry about financing arrangements for your final expenses when it matters most because all costs are paid in advance.

What Information Do We Need If You Have Arrhythmia?

When applying for burial insurance with arrhythmia, please provide us with as much information as you can, and we will come back to you with approval.

Here are some pre qualifying questions:

  • Do you have any diagnosed cardiac arrhythmias?
  • What was the date of your diagnosis?
  • Do you experience irregular heartbeats? If so, for how long have you experienced them?
  • Have there been any heart complications arising from the arrhythmias?
  • What treatments, if any, have you undergone for irregular heartbeats?
  • How long do these episodes of irregular heartbeat typically last?
  • Are you currently taking any medications for heart disease? If so, which ones? When were they prescribed, and how often do you take them?
  • How many times have you been on these medications? How many pills do you take each day? Have you ever experienced any side effects from taking these medications? If so, please describe them in detail.
  • How many times have you been admitted to the hospital for heart problems in the past three years?
  • Do you have any ongoing medical treatment for heart disease?
  • Do you have a history of heart attacks?
  • Are you on any restricted diets due to heart disease?
  • Do you have a family history of heart problems or other medical conditions that could lead to heart problems? If so, please describe any known conditions in detail.

How much does burial insurance with arrhythmia cost? 

Burial insurance arrhythmia costs depend on several factors, including:

The amount of coverage you choose.

The higher your coverage amount, the higher your premium will be. If you purchase a $10,000 policy with a $5,000 death benefit, your annual premium would be about $70 per year.

Your age when you buy the policy.

Your premiums will generally increase as you get older. For example, if you’re 20 years old and purchase a $10,000 policy with a $5,000 death benefit today, your annual premium will likely be around $25 per year — or less than half the cost if you were 40 years old.

Do you smoke or have any health conditions?

Whether or not you smoke or have any health conditions that could impact your life expectancy (such as diabetes). Smoking can cause many different diseases, ultimately leading to death like heart disease and lung cancer, affecting how much burial insurance costs for people who smoke.

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How do I apply for burial insurance with arrhythmia? 

Applying for burial insurance with arrhythmia is the same as using other life insurance policies. You’ll fill out an application online or over the phone with an agent or online application form and submit it. Your application must be approved before you can start paying premiums for your new policy.

What are the exclusions of burial insurance with arrhythmia?

The first thing you need to understand is that burial insurance with arrhythmia has several exclusions. The main one is if you had a heart attack or stroke within the last five years. In that case, some policies won’t cover you at all, while others will only cover a percentage of your funeral costs.

Burial insurance with arrhythmia also doesn’t cover other conditions like lung cancer, pancreatic cancer, and liver failure. If you have any of these conditions, it’s still worth checking out burial insurance with arrhythmia because the plans cover other conditions.

Some companies may also exclude any cancer and Alzheimer’s or dementia. These exclusions are very similar to disability insurance policies and can vary from company to company, but they’re not common in burial insurance with arrhythmia policies.

What happens if you die from arrhythmia?

In most cases, this type of policy will pay out if you die from an arrhythmia or heart failure. The amount paid depends on how much coverage you purchased and whether or not you have any pre-existing conditions. For example, suppose you have arrhythmia but don’t have other health issues.

In that case, your family will receive $500,000 in coverage without worrying about paying for funeral expenses first or waiting for the claim to be reviewed by an insurance company first (as long as they file a claim within 30 days).

How To Get The Best Burial Insurance With Arrhythmia

How can we help you with your burial insurance needs? We have helped countless individuals with arrhythmia get the best possible coverage in the market, and we are confident we can do the same for you. Let us help you secure the quality coverage you deserve. has a team of experienced insurance specialists passionate about finding the best life burial insurance policy for you, no matter your health or current condition. We have a great deal of experience in this field, and we’re dedicated to providing the best possible service to our customers.

Our founder has over 26 years of experience helping clients with insurance needs at our company. We are licensed in 49 states and only represent top-rated A+ insurance companies.

We can help you find the best and most affordable final expense insurance coverage from the best insurance companies, even if you have other serious health problems and arrhythmia or Irregular heartbeat.

Give us a call at (855) 380-3300, and we’ll be happy to help you.

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Q: How does age affect my eligibility and premiums for burial insurance with arrhythmia?

A: Age is a significant factor in determining eligibility and premiums. Typically, the younger you are when you apply, the lower your premiums may be. However, many insurers offer policies specifically tailored for seniors.

Q: Is it possible to increase my coverage amount after the policy is issued?

A: This depends on the policy’s terms. Some policies allow for an increase in coverage, subject to additional underwriting and potentially higher premiums, especially if your health status has changed.

Q: Can burial insurance with arrhythmia be combined with other life insurance policies?

A: Yes, burial insurance can complement existing life insurance policies. It specifically covers funeral and final expenses, ensuring other policy benefits can be used for additional purposes.

Q: What happens if I miss a premium payment?

A: Policies usually have a grace period. If a premium is missed, the policy might lapse after this period ends. It’s essential to contact your insurer immediately if you anticipate missing a payment.

Q: How long does the application process take for burial insurance with arrhythmia?

A: The application process can vary. Some policies offer instant approval, while others might take a few days to a few weeks, especially if medical records are required.


Burial insurance can provide financial assistance to your loved ones after you die. It can cover the costs of your funeral and other related expenses, giving your family one less thing to worry about during a difficult time. If you have arrhythmia, check if your policy covers this condition.

However, before you purchase a policy, it is essential to understand what arrhythmia coverage is and what it covers. This article provides an overview of burial insurance with arrhythmia coverage and what you need to know before applying.

Apply online today to get a quote and find out how affordable burial insurance is!

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