Read What Our Clients Say About Us
As you get older, it becomes more important to have a plan for the funeral and burial. That’s where burial insurance comes in: it can help pay for your final expenses, including the cost of a funeral and burial.
But what happens if you have a pre existing medical condition like peripheral vascular disease (PVD) or peripheral artery disease (PAD)? Will you still be able to get burial insurance?
The good news is that most insurers will still offer coverage, even if you have PVD or PAD. These are treatable conditions that can be managed with medication and lifestyle changes.
If you want to know more about how this affects your ability to get coverage and how much it costs, read on!
- Burial Insurance With PVD or PAD: What is it?
- Why do you need an InsuranceForBurial.com policy with PVD or PAD?
- Best insurance policy option if you have a history of PVD
- What does Burial Insurance with PVD or PAD cover?
- How does Burial Insurance With PVD or PAD work?
- What are the benefits of purchasing an InsuranceForBurial policy with PVD or PAD?
- Do I need a medical test to qualify for Burial insurance for a peripheral vascular disease (PVD)?
- Burial Insurance Underwriting With PVD or PAD
- What Information Do We Need If You Have a PAD or PVD?
- How much does Burial Insurance with PAD or PVD cost?
- How To Find The Best Burial Insurance With PVD or PAD?
- Final Thought
Burial Insurance With PVD or PAD: What is it?
Peripheral vascular disease (PVD) is a term used to describe a group of diseases that affect blood vessels outside the heart and brain. Peripheral artery disease (PAD), on the other hand, refers specifically to blockages of the arteries in the legs, making walking difficult or impossible.
Burial insurance with PVD or PAD is an insurance policy that helps you pay for your funeral costs in case of death. We can use it to help you pay for the funeral, the burial, and other related expenses.
This plan will have a monthly premium, which must be paid regularly to keep the policy active. In addition to the monthly payments, there will also be a deductible amount that must be paid before benefits are received. The benefit amount is typically based on age and may increase as you age.
Some policies also offer additional coverage for cremation and cemetery plots. By paying extra money each month into this type of policy, you can ensure that your loved ones won’t have to worry about paying for these expenses if something happens to you suddenly or unexpectedly.
Taking steps to lower blood pressure may prevent symptoms of PAD.
Symptoms may include:
- Leg cramps, pain, numbness, or tingling
- Sores that don’t heal
- Slow-healing wounds on the feet, legs, or toes
- Pain in your arms or legs when you move them
- Weakness or pain in your hands, fingers, or toes
Why do you need an InsuranceForBurial.com policy with PVD or PAD?
- The premium for the policy is affordable compared to other burial insurance plans. It’s also a lot less expensive than a funeral or burial service.
- The death benefit is guaranteed, meaning you can be sure that it will cover your costs no matter what happens with inflation or other factors affecting prices over time.
- It’s easy to apply for and buy the plan online — you only need a few minutes and some personal information.
- You can choose one of three levels of coverage: $10,000, $25,000 or $50,000. You can also add optional benefits like paying for funeral arrangements (up to $100) and offering an accelerated benefit payment option (APO).
- You’ll get access to a toll-free number with live agents available 24 hours a day, so you can talk with someone immediately if you have questions about your policy or need help claiming after someone passes away.
Best insurance policy option if you have a history of PVD
The best option for you might be a level death benefit plan with first-day coverage. If you have early-stage PVD (Peripheral Vascular Disease), life insurance with immediate coverage is best suited for your needs.
A whole life insurance policy starts paying benefits immediately upon death and continues until age 100 or 105 (depending on the carrier).
As soon as you are diagnosed with early-stage PVD, you must purchase an immediate pay policy as soon as possible to avoid any lapse between diagnosis and death. Waiting too long could result in losing thousands of dollars in potential death benefits.
If you have reached advanced stages of PVD and need to undergo surgeries or other treatments to manage symptoms, then life insurance with accelerated benefits may be the best option.
This type of insurance covers your medical expenses up until a certain age or date after the diagnosis of your condition.
The accelerated benefit pays out a lump sum once your condition has progressed past this point so that you can cover any additional costs associated with extending your life expectancy.
The most common surgeries to treat PAD or PVD include:
Angioplasty: In this procedure, a balloon is inserted into an artery to widen the passageway and improve blood flow through the narrowed area.
Bypass grafting: This surgery involves placing a healthy artery from another part of the body into the blocked artery to bypass the blockage and re-establish blood flow to that part of the body.
Stent implant: A stent is placed inside an artery that has been narrowed due to plaque buildup or other causes.
The type of burial insurance you qualify for will depend on when you had surgery to treat your condition.
Surgery was over 24 months now:
Level death benefit plans offer first-day coverage and are the best option for many people.
If your circulatory surgery is over two years, you’ll have the best price options. Contact a burial insurance company for a plan with competitive premiums. You’ll be given full coverage on day one, and you’ll still be eligible to get the surgical treatment if you want it in the future!
Surgery is within the next year:
You’ll be eligible for a first-day benefit plan if you’ve undergone any surgical procedures in the past 12 months. To get this benefit, no medical provider would offer it within the year of your procedure. This plan will provide coverage from the first day, and your death benefit will gradually increase.
What does Burial Insurance with PVD or PAD cover?
Burial and funeral expenses: PVD and PAD can cause serious health complications, including heart attack and stroke. If you are diagnosed with PVD or PAD, this coverage pays for the costs of your funeral and burial expenses.
Legal fees in the event of a lawsuit: If someone sues you due to injuries caused by PVD or PAD, this coverage pays for your attorney’s legal fees.
Funeral support: Funeral costs are paid full up to the policy limit. It includes the cost of transporting the body, funeral home expenses, and burial.
Cemetery and headstone/monument expenses: This benefit pays up to $3,000 toward cemetery costs such as opening and closing fees and headstone/monument expenses such as engraving fees (up to $500 per name).
Medical bills, including doctor visits and hospital stay related to the treatment of PVD or PAD: These are covered if they’re related to treating signs or symptoms of PVD or PAD. It includes prescriptions, physical therapy sessions, and ambulance rides.
How does Burial Insurance With PVD or PAD work?
The policyholder pays a premium and, in return, receives an amount of money upon death to help cover the cost of the funeral and burial services.
If you were to pass away before the end of your term, PVD pays out a lump sum payment equal to the number of premiums paid plus any interest earned on those premiums.
If you were to pass away during your policy term, PAD pays out a lump sum payment equal to the number of premiums paid minus any interest earned.
Having other health issues like kidney disease may cause an adverse reaction from the carrier.
What are the benefits of purchasing an InsuranceForBurial policy with PVD or PAD?
Purchase an insuranceForBurial.com policy with PVD or PAD, and you will have access to all the benefits listed below:
- Choose between an Individual Funeral Plan or an Estate Funeral Plan, which can be customized to fit your needs by selecting the amount of coverage and adding additional features like pre-need planning.
- The option to increase your coverage amount at any time, up until the date of death!
- They are adding living benefits such as hospice care, home health care, nursing home care, and more. These living benefits allow you to receive reimbursement for medical care during life rather than upon death.
- A cash value account where we deposit all premium payments made on time (interest rate guaranteed for life). You can add an optional feature anytime without affecting your current coverage amount or rates!
- In addition to being affordable, our burial plans also come with many other benefits, such as:
- No medical exam requirement;
- No minimum health requirements;
- Coverage for pre-planned funerals;
- Open enrollment periods;
- Optional riders for additional coverage options such as cremation, burial accessories, and more;
- Our burial plans are available nationwide, so you can purchase online and over the phone!
Do I need a medical test to qualify for Burial insurance for a peripheral vascular disease (PVD)?
No. No medical test is required to qualify for burial insurance for peripheral vascular disease (PVD) or Peripheral artery disease (PAD).
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 reports or urine or blood samples throughout the application process. The insurance provider will usually give you an official approval in minutes!
Burial Insurance Underwriting With PVD or PAD
What sort of information do insurance companies typically request during the underwriting process?
- It typically involves questions about your health and any past or present illnesses.
- The company will also ask about your history of prescribed medications.
These questions help the company determine how high or low your risk is for developing certain diseases, such as PVD or PAD.
Most burial insurance companies will ask questions about your personal history to understand your needs better.
The questions asked will vary from company to company, but some common ones asked about the peripheral vascular disease (PVD) are:
- Have you ever been diagnosed with peripheral vascular disease? If so, what type?
- Do you have symptoms of peripheral vascular disease? If so, describe the symptoms and the frequency of those symptoms.
- Do you have any history of peripheral vascular disease or peripheral artery disease?
- Have you ever had any surgery? If so, what was the procedure, and when was it?
- Do you take any medications for your peripheral vascular disease? If so, please list all medications and daily dosages for each medication.
The symptoms of vascular parkinsonism are reminiscent of those experienced with classic forms such as symmetrical lower-body Parkinson’s disease, but one key difference is that VPs often have normal pyramidal signs
Check The Prescription history.
Burial insurance companies will check your prescription history to ensure you don’t have any preexisting conditions that might prevent them from paying out on your policy.
Treatments for peripheral vascular disease depend on what caused your condition in the first place. Medications can be prescribed to reduce the risk of atherosclerosis in the artery.
Common medications for PVD or PAD:
Atorvastatin: This drug helps lower cholesterol levels by blocking an enzyme called HMG-CoA reductase that controls how much cholesterol is made in your liver.
Aspirin: This medication can help prevent blood clots from forming in your legs when you take it regularly. It acts as a mild blood thinner.
Clopidogrel: This medication reduces platelet aggregation and prevents blood clots from forming in your heart or brain arteries by inhibiting ADP receptors on platelets (located on the surface of platelets).
Cilostazol: This drug works by increasing the amount of an enzyme called phosphodiesterase III that helps relax the muscles in your arteries to improve blood flow.
Naftidrofuryl oxalate: This drug improves blood flow by dilating (widening) the arteries in your legs and feet. It also reduces platelet aggregation, preventing blood clots from forming in your arteries.
Dipyridamole: This medication helps improve blood flow by making your heart work more efficiently. It also reduces platelet aggregation, preventing blood clots from forming in your arteries.
Pentoxifylline: This medication improves blood flow by dilating (widening) the arteries in your legs and feet. It also reduces platelet aggregation, preventing blood clots from forming in your arteries.
What Information Do We Need If You Have a PAD or PVD?
To determine which company best fits your needs, we will ask you several health and lifestyle questions relating to your peripheral vascular disease.
Your responses to these questions are essential because they will help us find the ideal company for you.
- When were you first diagnosed with peripheral artery disease or peripheral vascular disease?
- How old were you at the time?
- Have you had surgeries to treat your peripheral artery or peripheral vascular disease? If so, please let me know.
- Is there any family history of peripheral artery disease or peripheral vascular disease?
- What activity level did you have before diagnosis, and how has this changed after the diagnosis?
- Are you currently receiving treatment for this condition?
- If so, what kind of treatment are you receiving?
- What medications do you take for your peripheral artery or peripheral vascular disease?
- How often do you see a physician for your peripheral artery or peripheral vascular disease?
We need to know your medical condition to provide you with the best possible recommendation. The more information we have, the better our chances of finding affordable insurance coverage.
How much does Burial Insurance with PAD or PVD cost?
Burial insurance is a type of life insurance that provides coverage for the cost of burial and funeral services. The cost of burial insurance varies from one insurer to another and depends on several factors, including the coverage you want and your age.
For example, you can buy a burial policy for as little as $1,500 or as much as $100,000, depending on how much coverage you want. If you’re in your 20s or 30s, expect to pay more than if you’re older.
You’ll also pay more if you have existing health problems or previous deaths in your family.
The average price of burial insurance is about $2,000 per year and can go up to $10,000 per year or more, depending on the coverage you want.
How To Find The Best Burial Insurance With PVD or PAD?
If you have a PVD or PAD, then you know that it can be challenging to find the right coverage for yourself and your family. Some companies may not even offer this type of insurance, leaving many people to pay for their costs.
If you have a PVD or PAD, you will want to ensure that you get the best possible coverage. It means finding an insurance company that will help you get what you need and at a price that makes sense for your budget.
We here at InsuranceForBurial.com can get you these coverage qualities for anyone with a peripheral vascular disease (PVD) or peripheral artery disease (PAD)!
We have helped many people with peripheral vascular disease (PVD) or peripheral artery disease (PAD) get the ideal burial insurance policies available today!
We are an independent insurance agency with a team of highly experienced specialists that has access to the country’s best-ranked A+ agencies. They provide you with only top-tier policy offerings, with innovative options including final expense insurance.
Our team is dedicated to helping you find the best final expense plan in the market. Whether you have a health issue or not, our agents ensure that we find a good policy for you that fits your needs and budget.
We pride ourselves on our in-depth knowledge of the underwriting questions and rates of the top-rated burial and final expense insurance companies.
With just a little bit of information from you, we can determine which company will offer the best possible insurance plan, regardless of your health history or any preexisting conditions.
So don’t hesitate to reach out – we’re here to help you find the coverage you need at the best possible price.
Burial insurance with PVD or PAD is a great way to ensure your loved ones are cared for after death. This type of insurance can help cover the costs of your burial or cremation, and it is available at a fraction of the cost of traditional life insurance policies.
Apply online today to get a free quote and find the best rates.
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/