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In This Article, I Will Discuss How You Or Your Loved One Can Qualify For Burial Insurance With A Defibrillator Implant
The American Heart Association defines a defibrillator as a battery-powered device implanted under your skin or muscle. These devices keep track of your heart rate.
In the case of an abnormal heart rhythm, the defibrillator delivers an electric shock to the heart muscle. This restores the heart’s normal rhythm. Newer defibrillators have a pacemaking device included to help those with atrial fibrillation or other irregular heart rhythm diseases.
Here’s An Overview Of Today’s Topic:
- Qualifying For Burial Insurance With A Defibrillator
- Other Ailments In Combination With A Defibrillator
- Burial Insurance Rates, Age 40 to 90*
Qualifying For Burial Insurance With A Defibrillator
Here’s the good news. Yes, it is possible to qualify for final expense burial insurance coverage with a defibrillator implant.
However, what you specifically will qualify for depends on the length of time since implanting the device.
Additionally, most patients with defibrillators have multiple cardiac ailments. Therefore, we will consider other cardiac ailments in conjunction with the defibrillator to better define possible insurability.
Our job at Buy Life Insurance for Burial is to shop the competitively-priced options available to you in your area. Our goal is to make sure that we provide our clients with the best value coverage that we can provide. Let us help you today with a free quote.
The process is only 10 minutes long, and we can do it over the phone. No appointments are needed. Just call (888) 626-0439 for your free quote.
Also, feel free to submit a message on the left-hand side of the screen. We will reach out to you within the next 24 business hours after receiving your message.
Defibrillator Implanted Within Last 12 Months
If you or a loved one had a defibrillator implanted within the last year, your only option for life insurance coverage is with a guaranteed-issue, no-questions-asked life insurance product.
Guaranteed issue whole life insurance
Guaranteed issue whole life insurance allows for anyone under any circumstances (assuming the proposed insured fits the product’s age range) to qualify for whole life final expense coverage.
However, there are certain restrictions in coverage.
If you die within the first two years, only your premiums plus a small level of interest (usually 10%) is refunded. While you can qualify for a life insurance product for burial coverage, it will not take full effect for two years.
Something Is Better Than Nothing
While I’d rather get my client fully approved with immediate full coverage, sometimes this cannot happen. And with a defibrillator within the past 12 months, no carrier will offer first day full coverage.
Why get burial insurance? Our health can change suddenly and without notice. Your cardiac issues may worsen over time. You may suffer from newer and worse ailments.
And while you may get sicker, if you buy guaranteed acceptance life insurance, you are covered no matter the reason after the first two years. Even if you develop new health problems. Therefore, I think it’s best to start some sort of coverage immediately.
And that’s something I can help you with. I shop the most competitive guaranteed-acceptance life insurance carriers available.
You should want the most coverage for the least cost! Call me at 888-626-0439 today.
Defibrillator Installed Between 12 And 24 Months Ago
If your defibrillator was installed between one and two years ago, you may qualify for better life insurance options. For example, there are some burial insurance carriers that will provide you what’s called Graded life insurance.
Graded life insurance provides partial first-day coverage. And in the second year, the coverage increases. Finally, in the third year, full first-day 100% protection takes place.
Additionally, there are a select few carriers that may qualify you for full first day 100% coverage. Even if it has only been 12 months since your defibrillator surgery!
I can help. Call me at 888-626-0439. I can tell you exactly what your options are and if you can qualify for this type of coverage.
For help or more information, consider giving us a call at (888) 626-0439 now to receive a free, no obligation quote. Our burial insurance experts are waiting to help you, now.
Alternatively, you can send us a message. All you have to do is fill out the form on the left or bottom side of the screen. Tell us what information you are looking for and leave us with the best way to contact you. We will get in touch with you in the next 24 business hours with your options.
Longer Than 24 Months Since Defibrillator Installed
If you’ve gone longer than 24 months since your defibrillator surgery, you most likely will have access to the most competitive, full-first day coverage burial insurance options available.
Story From The Field
A few years after I started in this business, I met with a couple in Georgia. Let’s call them the Longs. They lived in a small town, and I was just going door-to-door at the time.
I knocked on their door, and they let me in. They told me that they already had life insurance, but I wanted to take a look at their plan. Something they told me sounded wrong.
They let me check it out, and I noticed that the coverage they had was inadequate and overpriced.
I tried to convince Mr. Long, but he didn’t really seem to understand. I looked over at Mrs. Long, and she seemed to completely follow my logic. Clearly, I had made an impact on her, but she didn’t say anything.
Sadly, I ended up leaving the situation. I started walking to my car, defeated when I hear the garage door open behind me. Out comes Mr. Long, who asked me to come back in to re-explain the things that I noticed.
He wanted to better understand the things I saw, and he wanted to see the numbers.
It took me a little bit to go through everything and run all the numbers, but at the end of the day, they were being overcharged by $400/year with the plan they were currently paying for.
They were so disappointed that they had been taken advantage of, and I was just glad I was there to point it out to them before they had paid any more on that policy.
The reason that I wanted to share this short story with you is because I’ve helped thousands of people, and sadly, I see this far too often.
It truly is astounding how people get ripped off to such an extreme extent. Sometimes, they are being charged too much monthly or annually. Other times, they are paying too much for a policy that doesn’t nearly do enough.
This brings me to the point that I want to make sure you take away from this story.
My point is that there are so many people out there getting taken advantage of by life insurance companies and the agents that represent them. The only way to truly combat this is to work with a life insurance broker.
When you work with a broker like us, we can shop around multiple companies to look for the best priced, top-quality insurance plan that fits with your current life goals.
Other Ailments In Combination With A Defibrillator
As I said earlier, sometimes other cardiac health history events in combination with a defibrillator implant will affect your insurability. Let’s discuss some of the more common ailments.
Irregular Heart Rhythm Or Arrhythmia
Many defibrillator patients also have irregular heart rhythm or arrhythmia. Most likely, the same time periods mentioned above will apply the same with to these ailments.
For example, if your defibrillator surgery was between 12 to 24 months ago, you may qualify for Graded or first-day Full Coverage. Beyond two years, even with the combination of the issues above, you may qualify for preferred, first-day full coverage burial insurance options.
Naturally, it all comes down to your unique health circumstances.
Case Study Examples
Qualifying with COPD
My client had been recently researching how much funerals cost in her area, and she was worried when she found out that these prices had been steadily increasing over the past 20 years. Now, funerals cost several thousands of dollars more than they used to 20 years ago.
Mrs. Ward, at only 54 years old, knew that the trend seemed to be that they would continue to increase, and she wanted to reach out to a life insurance broker to get coverage for her final expenses.
She did have one issue. She had a lung disease called chronic obstructive pulmonary disease (COPD). Based on her research, she feared that she would be denied due to her disease as many others have been in the past.
Despite her COPD, Buy Life Insurance for Burial was able to shop around for Mrs. Ward. We looked at all of the different burial insurance companies that we represent in order to find the best deal for Mrs. Ward. Eventually, we were able to qualify her for first day full coverage.
While we can’t promise that the outcome will be the exact same for you, we do promise that Buy Life Insurance for Burial will dedicate ourselves to working just as hard. We want all of our clients to be able to achieve their insurance goals, and we are here to make them a reality.
Life Insurance to replace wife’s income
My client Mrs. Hayes reached out me because she realized that her income played a major role in their household. She wanted to make sure that if something were to happen to her that Mr. Hayes would be able to maintain his lifestyle without her income. She started to look into life insurance plans to help her meet this goal, but she felt that reaching out to me was her best choice.
She needed help because she had type 1 diabetes. In the past, she heard that those with diabetes had a hard time getting qualified for life insurance coverage just because they presented a risk to life insurance companies. Luckily, she had her diabetes under control with low doses of insulin, and she had no recent diabetic episodes.
Even luckier, she worked with us. Buy Life Insurance for Burial applied our standard process. We shopped the most competitive insurance companies to find Mrs. Hayes a plan that would accomplish her goals. We settled on a burial plan that would cover her income, and we approved her for first day full coverage, despite her diabetes.
Again, we can’t guarantee the same outcome for you, but we can apply this process to your case. We strive to help our clients find quality life or burial insurance coverage at a price they can afford.
Burial Insurance Rates, Age 40 to 90*
Rates For $5,000 In Burial Insurance
Rates For $10,000 In Burial Insurance
Rates For $15,000 In Burial Insurance
Rates For $20,000 In Burial Insurance
Rates For $25,000 In Burial Insurance
*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.
And the best way to figure out your options is to give me a call at 888-626-0439 now.
The Top 5 Reasons To Get Burial Insurance
1. Their savings
Many people opt to get burial insurance because they have saved up money over time that is specifically for their children when they pass away. Some parents worry that their kids will have to pull money out of their savings to cover their final expenses, and they don’t want that.
Burial insurance is the perfect solution. It makes sure that all of your final expenses will be covered, meaning that your children will not have to pay a penny towards final expenses, whether you choose a burial or cremation.
2. It’s forever
You can design a burial insurance plan to make sure that it doesn’t cancel due to your age or your health. This means that you have it for your entire life. It never cancels.
This is a huge relief for many people because they know they are always covered.
3. Their family
Family is one of the main reasons people get in contact with us. They need burial or life insurance to protect their family in case our client were to pass away early like we mentioned brief in #1.
This way, their spouse or children won’t be left with any sort of burial or cremation expenses. The burial insurance plan covers all of it, which leads us to our next point.
4. Peace of mind
Because burial insurance covers your funeral and other final expenses, you can rest knowing that there is nothing to worry about.
Your family is covered and so are you final expense costs. Everything is in place, and you get the peace of mind you deserve.
5. Increasing final expenses
If you go back just 20 years, final expenses were over $2,000 cheaper than they are today. In 2018, the average price has increased to $8,700.
This is a trend that will only continue. Luckily, burial insurance is here to help protect you against these ever-increasing prices. For more information on this, contact us today.
Thank you for reading this article. We hope you found it interesting!
More importantly, we hope it urges you to get the coverage that you need. Life and burial insurance is very important, and we are here to help you achieve your insurance-related goals.
For help, you can call or message us. We will go over your options with you and give you a free quote today.
Call (888) 626-0439 now to speak to one of our friendly life insurance experts. They can answer any questions you may have on burial insurance.
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