Burial Insurance After Circulatory Surgery: What to Know


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Circulatory disease is the leading cause of death in the U.S., impacting nearly 85 million Americans and claiming more than 400,000 lives annually. The most common forms are coronary artery disease and peripheral vascular disease, which can lead to heart attack or stroke.

If you’re at risk for circulatory diseases, you may benefit from purchasing a policy that covers the cost of vascular surgery related to these conditions.

You may need separate insurance if you’re covered under your parents’ healthcare plan (many don’t cover surgical costs) or if their plan doesn’t cover this type of surgery. A stand-alone insurance policy tailored to your needs can provide peace of mind while saving you money on premiums.

Let’s look at what it means to have circulatory surgery, what options are available, and how it can impact your life should you need coverage for such an event.

What Is Burial Insurance With Circulatory Surgery?

Burial insurance with circulatory surgery is a type of life insurance that pays out a lump sum in the event of death, usually because of heart disease or stroke.

It is different from regular life insurance, which pays out when the insured person dies from any cause.

Burial insurance with circulatory surgery is also known as “death benefit,” “accelerated death benefit,” or “survivor’s benefit.”

Circulatory surgery refers to heart surgery or vascular surgery. It involves procedures that focus on improving circulation within the body. It can be done by repairing damaged vessels or replacing them with artificial ones.

When you have circulatory issues, you must have the right health insurance coverage in place to receive proper treatment when needed.

For example, your doctor may recommend surgery if medications, lifestyle changes, and other therapies such as a pacemaker aren’t compelling enough for managing your condition.

You will be considered a circulatory surgery patient if you have undergone any of the following procedures:

  • Angioplasty
  • Artificial Heart Valve Surgery
  • Atherectomy
  • Aneurysm Surgery
  • Arrhythmia Surgery
  • Bypass Surgery
  • Catheter Ablation
  • Cardiomyoplasty
  • Coronary artery bypass graft
  • Heart Transplant
  • Heart Valve Replacement
  • Stent Placement
  • Myectomy/ myotomy
  • Valvular Surgery
  • Transmyocardial Revascularization
  • Surgery performed on arteries can help improve blood flow and cardiovascular health.

Many burial insurance companies don’t specifically define whether circulatory surgery is a factor, as long as it happened after signing the policy.

Some insurance carriers do not cover burial costs if the time between your surgery and passing is too short. Waiting periods and other fees are determined mainly by coverage.

It will dictate your overall cost and decide whether you’ll have to wait for reimbursement.

Best insurance policy option for Circulatory Surgery

Some of the insurance policy options for Circulatory Surgery are as follows:

Circulatory surgery took over two years.

If two years have passed since your surgery, you can choose what type of valve to use. With burial insurance, every company offers coverage options regardless of whether or not you had surgery.

So you’ll also be eligible for the lowest possible rate on your death benefit plan.

Final expense life insurance no exam with level death benefit has immediate coverage effective on day one.

However, this plan is the least expensive way to insure against burial expenses in the event of a death, & it can be effective for those that need it quickly.

Circulatory surgery took over 12 months.

Some burial and final expense insurance companies will waive premiums for one year after circulatory surgery. Still, if it happened more than a year ago, your best option is the first-day benefit plan.

You get full benefits from the first day of work, and your death benefit is phased in over time.

Circulatory surgery was within one year.

It may take a while before making the best insurance plan available.

If you’ve had circulatory surgery in the last year, your best insurance option is guaranteed issue burial insurance.

Unfortunately, this plane has a waiting period and may cost more than other options – but it’s still your best bet.

If you die during the first 24 months of the policy, your beneficiary will receive 110% of your premiums. On top of this, once the two years are up, you’ll be eligible for a maximum death benefit.

Do I need a medical test to qualify for Burial insurance with Circulatory Surgery?

No. No medical test is required to qualify for burial insurance with Circulatory Surgery.

When you apply for funeral insurance, you’ll need to answer a few questions about your health.

However, you won’t need to submit medical reports or urine or blood samples. And you’ll usually get official approval from the insurance provider in minutes!

Burial Insurance Underwriting For Circulatory Surgery

What information do they 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.

One of the more common health questions in burial insurance companies is whether or not the applicant has had circulatory surgery.

Health Concern:

Most burial insurance companies will ask this question multiple ways. Typically they will ask it in many ways. The following are questions that you will see when applying for circulatory surgery:

  • Have you been diagnosed with heart or circulatory problems in the past two years? It includes any surgery, treatment, or hospitalization.
  • Did you have a stroke, angina, aneurysm, or other heart surgery in the last 12 months?
  • Have you had a heart attack, been diagnosed with cardiomyopathy, or had any heart or circulatory surgery within the past two years?

If you respond affirmatively to any of these questions, it could potentially impact your rate and when your coverage becomes effective.

Check The Prescription history.

The insurance company will need to know about the medications you’re currently taking, including the generic name and the dosage amount.

But, again, it is to ensure you’re in good health and that we don’t find any issues.

Common medications for circulatory surgery:

There are a variety of medications that you can use to treat circulatory issues. Some common ones include:

ACE inhibitors are used to treat high blood pressure and heart failure. They work by relaxing blood vessels, which helps improve blood flow to the brain and heart.

Beta-blockers: These drugs help reduce stress on the heart by slowing down your heart rate and lowering blood pressure.

Calcium channel blockers: These drugs also slow down your heart rate and lower blood pressure, but they can also relax other muscles in your body, such as those in your digestive tract.

Diuretics (water pills): These drugs increase the amount of urine you make, which can help prevent fluid buildup in your lungs after surgery.

Anticoagulants: These medications are used to stop the blood from clotting and include warfarin, heparin, and low molecular-weight heparin. They are commonly given two weeks after surgery to prevent thrombosis (a blood clot).

Antiplatelet agents: These medications are given to reduce the risk of forming new clots by decreasing the stickiness of platelets, which causes clotting.

Commonly used antiplatelet agents include aspirin, clopidogrel (Plavix), prasugrel (Effient), and ticagrelor (Brilinta).

Thrombolytics: These medications dissolve blood clots and can be used in cases of blood clots in the leg, heart, or lungs.

What are the benefits of burial insurance with Circulatory Surgery?

Burial insurance with Circulatory Surgery protects your family in the event of your death. In addition, it can help cover the costs of funeral expenses, debts, and other final expenses.

Burial insurance is a type of life insurance that pays out a death benefit to your beneficiaries when you die. It can help ensure that your loved ones are taken care of financially after you’re gone.

Unlike other types of life insurance, burial insurance does not require a medical exam. As a result, it makes it an ideal option for people who may not be able to qualify for traditional life insurance coverage.

Burial insurance policies are typically more affordable than other types of life insurance. Therefore, it makes them a good option for people on a budget who still want to provide financial protection for their families.

Burial insurance policies typically have no waiting period. It means the death benefit will be paid out as soon as the policy is issued.

What Information Do We Need If You Have a Circulatory Surgery?

When applying for final expense insurance with circulatory surgery, providing as much information as possible will give us a better understanding of your health condition.

The questions we will ask you about your circulatory surgery history include:

  • What type of circulatory surgery do you have?
  • How long ago did it occur?
  • What was the cause of your circulatory surgery?
  • How old were you when you had your circulatory surgery?
  • How long did it take for you to recover from this type of surgery?
  • What complications have resulted from the procedure?
  • What treatments have you undergone since then?
  • Do you still have any symptoms related to your circulatory surgery?
  • Do you plan on having any future policies or surgeries related to this condition?
  • What kind of medications are you taking right now?
  • Do you have any other medical problems apart from that?
  • Have you ever received a diagnosis of heart disease?

We need to know your medical condition to provide you with the best recommendation. The more information we get, the better our chances of finding affordable insurance coverage.

How Does Burial Insurance With Circulatory Surgery Work?

When you buy this type of policy — which usually has a limited term — you pay a single premium at the start and receive coverage until one year after your death (or whatever period is specified in your contract).

If you die during this time frame, your beneficiary will be able to collect on the plan and use the money to pay for your funeral expenses. For example, if a person dies between 50 and 75, an average death benefit could be between $5,000 and $10,000.

What does Burial Insurance with Circulatory Surgery cover?

This type of policy is designed to cover all the expenses associated with your funeral, including:

Casket or urn

Grave marker or vault

Funeral home services, including embalming and visitation hours

Transportation services for the body to the funeral home and back again

Embalming (if necessary)

A memorial service will be held at a church, synagogue, or another place of worship on the day of burial (if desired)

How can InsuranceForBurial.com Help You To Get The Best Final Expense Insurance Policy?

Searching for a policy needn’t be frustrating. We work with an independent agency to simplify the process and make it more convenient.

If you are returning from recent surgery, let us know; we will provide quality care tailored to your needs. We’ll find the insurance for you that matches your requirements and budget.

You can stop wasting time by looking for other insurers independently because we’re here to provide advice and assistance.

We’ll work for you at the various insurers and find you the best deal. We work with many insurance providers with an A+ rating and offer premier services to high-risk clients like you.

We will search for all the best burial insurance companies in your area and find the company that gives you a competitive rate.

We can help you get coverage for your project at a rate that suits you. Talk to us today! If you’re looking for circulatory surgery insurance, we can help.

We are passionate about providing the best burial or final expense insurance coverage for everyone, regardless of their health issues. If you need help now, call (855) 380-3300.

Monaco, L. (2022, May 22). The Truth About Burial Insurance with Pre Existing Conditions [2022 Review]. InsuranceForBurial.Com. https://insuranceforburial.com/blog/burial-insurance-pre-existing-conditions/