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Burial Insurance With A Heart Condition

If you are over the age of 50 and shopping for life insurance, then chances are that you want a simple burial insurance policy to cover the cost of your funeral and final expenses. The policies are whole life insurance policies available for those age 50 to age 85 for face amounts from $2,000 to $30,000. If you have some health issues such as high cholesterol, high blood pressure, or other heart conditions, then you should know that you can still be approved for this type of life insurance at affordable rates.

Burial insurance policies are typically simplifiied issue, which means that there is no medical exam. All you have to do is answer a set of Yes or No health questions and your answers will determine your eligibility and your rate class. If you have a heart condition then most carriers will want to know more about it in order to determine how much coverage to offer you and at what rate. Some heart health questions that a burial insurance policy might ask are:

  • Have you ever been treated for congestive heart failure?
  • Have you had a heart attack, heart or circulatory surgery, or angina (chest pain) during the past 18 months?
  • Have you had a heart attack, heart or circulatory surgery, or angina (chest pain) prior to the age of 50?

Your answer to these questions will determine whether you qualify for day one coverage or graded benefits. A graded life insurance policy means that a carrier will not pay out the full death benefit until the end of year two or year three. So if you need burial insurance and you have a heart condition, then you can rest assured that you can still qualify for coverage. 

Get a free no obligation quote for burial insurance with a heart condition and compare multiple quotes from the nation's highest rated carriers. Remember that all life insurance carriers have different rates, so it pays to compare.

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