Burial Insurance with Circulatory Surgery: How Seniors Can Get Coverage
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
If you are searching for Burial Insurance after Circulatory Surgery, then you are in the right place.
If you’ve had circulatory surgery and are a senior, you might be worried about getting approved for burial insurance. However, there is good news: you can still qualify for coverage.
This guide will explain how and provide tips to help you secure the policy you need.
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What is Burial Insurance?
Burial insurance, also known as final expense insurance, is a policy designed to cover end-of-life expenses. These can include funeral costs, burial expenses, and other related fees.
Burial insurance aims to provide financial protection for your loved ones during a difficult time.
Can You Get Burial Insurance After Circulatory Surgery?
Yes, you can get burial insurance after circulatory surgery. However, it’s important to understand that your coverage options may be limited.
Depending on your surgery’s specifics and overall health, you may be subject to higher premiums or reduced coverage amounts.
Understanding Heart Surgery for Burial Insurance
If you’re unsure whether your medical procedure qualifies as heart surgery for burial insurance purposes, it’s important to clarify the definition.
Insurance companies have specific criteria for what constitutes heart surgery, which can impact your ability to obtain coverage.
Here are the surgeries and conditions that are considered heart surgery by most burial insurance companies:
| Heart Surgeries and Conditions Considered by Burial Insurance Companies |
|---|
| Heart Bypass |
| Heart Transplant |
| Cardiomyoplasty |
| Pacemaker Installation (Battery changes do not count) |
| Heart Valve Replacement/Repair |
| Aneurysm Repair |
| Chest Surgeries (Only some companies consider chest surgeries) |
| Angioplasty |
If you have undergone one of these procedures or have any of these conditions, you will need to answer “yes” to the following question on your burial insurance application:
“Within the past year (two years), have you been diagnosed, treated, or had any heart or circulatory surgery?”
Note that some companies may only ask about the past year, while others may ask about the past two years.
If you have one of the above conditions, you must answer “yes” to this question.
If you have one of these surgeries scheduled but have not yet undergone the procedure, you will likely be denied coverage until after the surgery.
Sometimes, you may need to wait a few years after the surgery to obtain coverage. Insurance companies will also check to see if you have any pending surgeries, as this poses a risk to the company.
Circulatory Surgery With Cardiomyopathy
Cardiomyopathy is a condition that affects the heart muscle and can lead to complications like heart failure or arrhythmias.
Surgery may sometimes be necessary to manage symptoms and improve overall health. If you have had circulatory surgery due to cardiomyopathy, you may still be eligible for burial insurance coverage.
However, insurance companies may consider the severity of your condition and any ongoing medical issues when determining your coverage options.
Working with an experienced insurance agent can help you find the best policy for your needs and ensure that you have the protection you need for end-of-life expenses.
Tips for Securing Burial Insurance After Circulatory Surgery
- Work with an experienced insurance agent who can help you find coverage that meets your needs.
- Be honest about your medical history and current health status. This will help ensure you get accurate quotes and avoid surprises later on.
- Consider a simplified or guaranteed issue policy with fewer medical underwriting requirements.
- Look for policies with lower coverage amounts, as these may be easier to qualify for.
Frequently Asked Questions
Q: How much burial insurance coverage do I need?
A: This will depend on your individual circumstances. Factors like your age, health status, and end-of-life wishes should all be considered. A qualified insurance agent can help you determine the appropriate coverage amount.
Q: How much will burial insurance cost after circulatory surgery?
A: Again, this will vary based on your specific situation. Factors like your age, gender, and health status will all impact your premiums. However, working with an experienced insurance agent can help you find the most affordable options.
Q: What is circulatory surgery?
A: Circulatory surgery refers to any surgical procedure that involves the circulatory system, which includes the heart, blood vessels, and lymphatic system. Examples of circulatory surgery include bypass surgery, angioplasty, and stent placement, usually caused by blood clots.
Q: Will having circulatory surgery impact my ability to qualify for burial insurance?
A: It may impact your ability to qualify, but securing coverage is still possible. The severity of your surgery and any ongoing medical issues will be considered when you apply for a policy.
Q: Can I get burial insurance if I have a pre-existing circulatory condition?
A: You can still qualify for coverage if you have a pre-existing circulatory condition. However, your premiums may be higher or your coverage amounts may be limited.
Q: How long must I wait after my circulatory surgery to apply for burial insurance?
A: There is no set waiting period, but it’s generally recommended that you wait at least six months after your surgery before applying for coverage. This will give you time to recover and allow any complications to be addressed before you seek out a policy.
Q: What is the difference between simplified issue and guaranteed issue burial insurance?
A: Simplified issue burial insurance requires you to answer a few basic health questions, but does not require a medical exam. Guaranteed issue burial insurance does not require any health questions or exams, but may have higher premiums and lower coverage amounts.
Get a Free Quote for Burial Insurance
If you’re ready to secure burial insurance after circulatory surgery, we’re here to help. Contact us today for a free quote and personalized advice on finding the right policy.
Image: Include an image of a senior who has had circulatory surgery and is now happy and protected with their burial insurance policy.
Get a free quote today and secure your burial insurance coverage after circulatory surgery. Contact us now.
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