Burial Insurance For People With a Defibrillator
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What about a defibrillator? If so, have you thought about getting burial insurance to safeguard your loved ones in the event of your passing? Burial insurance is optional and does not provide coverage for any other kinds of claims. It serves as extra insurance for your loved ones in the event that something were to happen to you.
The proceeds from the policy will be used to cover funeral costs, such as burial or cremation fees, floral arrangements, clergy services, music at the service (if wanted), charges associated with publishing obituary notices, and other related expenditures.
This article on the blog gives some useful details on the kinds of coverage that can be provided with a funeral insurance policy.
Find Out How To Get A Low-Cost Burial Insurance For An Implantable Cardioverter-Defibrillator (ICD)
Can you get life insurance with a pacemaker? Having an implantable cardioverter-defibrillator (ICD), dealing with abnormal heart rhythm like AFIB, heart attack, or having heart disease may always mean expensive burial or final expense insurance plans…
This is not the truth at all!
We can tell you now that you can qualify for an insurance policy at the lowest price and will immediately cover you on day one.
In our decades of experience in the insurance industry, we have helped a lot of folks with ICD get the best possible coverage at the most affordable cost no matter what.
If you are an adult child looking to get burial insurance for your parents with a defibrillator, call us. This is is what we specialize in!
So stop presuming that having an ICD will always mean burial or final expense will cost an arm and leg.
Certain ICD-related characteristics will undoubtedly have an impact on the cost and level of coverage that is provided to you. We shall talk about this more in relation to ICD underwriting.
Continue reading to see how you might be eligible for a coverage plan with the lowest price and fast coverage.
Our certified list of health impairments for day one approval includes ICD!
Or even better, give one of our outstanding, highly qualified final expense insurance specialists a call! They can expertly advise you as to which top-rated insurance provider will offer you quick coverage for an ICD at a bargain price.
ICD and Final Expense Insurance Companies
Let’s start with the bad news
None, believe it or not… having an ICD will not be an issue with a lot of insurance companies.
Now, while it’s true that having an ICD will not be an issue with burial insurers, there are some circumstances that can affect your chance of being offered rock bottom price with instant coverage.
Aside from another serious disease that insurers may object to, there are common situations that can affect the quality and price of the coverage plans you’ll be offered if you have an ICD.
Many insurance companies will have issues if you recently had your ICD installed or had a battery change; more on this in the ICD underwriting process.
The good news
Many burial or final expense insurance providers out there won’t even mention pacemakers, implantable cardioverter-defibrillators, or ICDs—or, as some might put it, “heart defibrillator implants”—in their underwriting inquiries. This indicates that they are not searching for it and that these insurers are totally happy with it.
Additionally, you won’t have to undergo a physical or medical examination in order to obtain burial or final expense insurance coverage.
We have assisted many clients in quickly getting a funeral insurance plan at a bargain price with instant coverage on day one; the insurance providers typically designate to this plan as “simple,” “preferred,” or “level.”
You inquire, “Does this then imply that I am automatically eligible for a simplified plan?”
Not yet; you must first go through an underwriting procedure in order to acquire the least expensive plan with immediate protection.
ICD Underwriting Process Of Final Expense Insurance Companies
In general, the underwriting procedure is how burial or last expense insurance providers determine whether you have any further illnesses, medical conditions, alcohol or tobacco usage, etc. Additionally, they will inquire about your lifestyle and look through your previous prescription drug history.
In essence, last expense insurance providers will evaluate every aspect of your health in order to classify your risk and determine the kind of insurance coverage they may provide.
How far back do life insurance companies look at medical records?
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
All insurance companies will inquire about a variety of conditions during the underwriting process that often have a low chance of survival, according to statistics. Additionally, questions about alcohol and tobacco use are included because both can hasten the progression of a disease or reduce a person’s projected life span.
Good to know: The language of the underwriting questions will vary from insurance company to insurance company.
Though the health-related questions might seem easy to answer, don’t attempt to do so by yourself! Speaking with an experienced Final Expense Insurance Specialists could mean the difference between paying cheaply or spending dearly when answering these questions!
In any case, you should contact an independent insurance consultant or agent to receive professional guidance as soon as possible in order to secure the best burial or final expense insurance coverage.
A knowledgeable, independent agent with plenty of expertise will be familiar with the insurance companies’ underwriting procedures and will be able to identify which insurer will view your health the best straight away.
Our team at BestBurialPolicy.com is made up of independent final expense experts with years of experience. We are experts in the underwriting procedures of all the top-rated insurance providers to which we have access.
Final Expense Insurance Underwriting Questions
What we only need from you is a little bit of your time for your details.
ICD specific questions
If you moved forward with us, at this point, we already know that you have an implantable cardioverter-defibrillator (ICD). We will have more questions for you about having an ICD.
- When was your ICD installed?
- Have you ever had your ICD battery changed? When?
- What caused you to need an ICD?
- What other diseases or health conditions do you have or had in the last 2 years?
- What medications are you taking for your other diseases and health condition?
With your answers to the above questions, we can now determine what kind of coverage you will be eligible for.
What Burial Insurance Companies Watch Out For In ICD
Which life insurance provider offers the best coverage? In addition to any other illnesses or ailments you may have, it is now very obvious that insurers will object when you have your ICD fitted or its battery changed.
How ICD Is Installed
In order to monitor your heart’s rhythm, your doctor will insert a thin wire into a vein and guide it until it reaches the right ventricle of your heart.
The cable will now be linked to an ICD generator that runs on batteries after it has been verified that it is in the proper location and is functioning properly.
Your doctor will then instal the ICD generator just below the collarbone under the skin of your chest.
Heart And Circulatory Surgery And Insurance Companies
If you have undergone heart or circulatory surgery within the last 12 or 24 months, every burial or final expense insurance provider will inquire about it in their underwriting questions.
Typically, the inquiry is phrased along the lines of, “Did you undergo heart or circulation surgery during the previous 24 months? When?”
The problem with this is that insurance companies classify the Implantable Cardioverter-Defibrillator (ICD) installation treatment as a heart and circulatory surgery, which is accurate given that the ICD installation entails inserting a short wire into a vein leading to your heart.
The bottom line
If you had a heart or circulatory surgery within the last 12 months, insurance companies can only offer burial or final expense insurance plans at higher premiums with a waiting time period. The extra cost and waiting time may vary from different insurance companies.
If you had one over 12 months but under 24 months (13 to 24) you can get a simplified insurance plan from a few top-rated insurance companies.
Burial Insurance Companies Insurance Plan Offers for ICD
Who has the greatest insurance for burial? It should be clear by now that the installation date and the most recent battery change are the two most common causes with an ICD.
The different ways that insurance companies might provide funeral or final expense insurance coverage for someone with ICD are listed below.
1. Your ICD was installed MORE THAN 24 months ago
You won’t have any trouble obtaining a streamlined burial insurance coverage in this particular instance alone. The cheapest possible monthly premiums will provide immediate insurance coverage from day one.
Any burial insurance provider will gladly accept your business, but you wouldn’t want just any insurance provider, would you?
Do you wish to receive prices from various highly regarded insurance providers in your state?
2.Your ICD was installed MORE THAN 12 months ago
Many funeral or final expense insurance providers will now provide higher rates with a waiting period in this situation.
If your ICD installation was more than a year ago, fortunately, we have access to a few highly regarded insurance providers who can still provide a simplified burial insurance coverage. Consequently, we hope that you continued working with us.
3. Your ICD was installed WITHIN the last 12 months
If this applies to you, you will be presented with insurance options that cost more than a basic plan and have a 24-month waiting period.
Given that there is still coverage available and that it won’t cost much, this is not too awful. Monthly premiums are typically 15 to 30 percent more expensive than under a simplified plan.
ICD Battery Change And Burial Insurance Companies
ICD battery replacements are still viewed by certain insurance providers as heart and circulation surgery procedures. As a result, these firms only offer coverage plans at a greater cost with a waiting period, much as if you had just had your ICD put as in #3 above.
Thanks to a few highly regarded burial or final expense insurance providers, you can still be eligible for a basic insurance plan even if your ICD battery needs to be changed.
So perhaps you will continue working with us if you recently had your ICD battery replaced in order to avoid dealing with insurers who are picky about it.
How To Find The Best Burial Or Final Expense Insurance If You Have ICD
The qualities that you should be looking for in a coverage plan with ICD are the following:
- The one with the lowest monthly premium of all insurance companies.
- The insurance company that can offer a simplified plan that only has a 12 months look back on ICD installation.
- The insurance company that can offer a simplified plan even if you have a recent ICD 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 BestBurialPolicy.com can exactly get you these coverage qualities for anyone who has ICD!
We have helped a lot of folks who have ICD- even the ones who got theirs installed over 12 months (but under 24) or recently had their ICD battery changed.
Impaired Risk Life Insurance Specialists
We are an independent insurance firm with a staff of highly skilled Final Expense Insurance Specialists. We have access to the top-rated A+ insurance companies in the nation, and we only offer premium insurance policies with cutting-edge supplementary features that are provided at no additional cost.
We are driven by a mission to ensure that EVERYONE has access to the best last expense insurance coverage available! regardless of their health problems.
How Much Does Burial Insurance Cost
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 need from you is a little bit of your time to know your details.
With your information and a market comparison of funeral insurance, we can without a doubt tell you which business will provide the best insurance plan, regardless of when you had your ICD, whether you have other critical illnesses, or whether you recently underwent surgery.
Talk to us now! We promise you a simple no non-sense interview process with no pressure at all whatsoever.
Conclusion
People’s Burial Insurance The use of a defibrillator is crucial for those with heart issues. Finding reasonably priced burial insurance might be challenging, but it doesn’t have to be that way. We work with with you throughout the entire process to ensure that you are fully aware of your options when it comes time to choose funeral arrangements in the event that anything unanticipated occurs, and we provide a high-quality plan at our affordable pricing. Start now by completing this quote form or giving us a call.