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In This Article, We’ll Discuss Your Final Expense Insurance Coverage Options If You’ve Had A History Of Aneurysms
Aneurysms are areas in the blood vessels where the artery wall weakens to the point where the vessel begins to “balloon” outward. This abnormal and potentially deadly expansion of the artery wall occurs through various parts of the body, including the brain, the aorta, the legs, intestine, and spleen.
The severity and size of the aneurysm is the main determinant whether or not a physician will repair the aneurysm. At times, many people will live a normal life with an aneurysm. Sometimes, they take medication such as blood thinners to manage the aneurysm.
With that said, in today’s article, I will discuss your potential to qualify for final expense insurance under the following circumstances.
Here’s An Overview Of Today’s Topics:
- Currently Diagnosed With An Aneurysm And Trying To Qualify For Final Expense Insurance
- Does Taking Blood Thinners Affect My Ability To Qualify For Final Expense Insurance?
- Surgically-Resolved Aneurysm
- Burial Insurance Rates, Age 40 to 90*
Currently Diagnosed With An Aneurysm And Trying To Qualify For Final Expense Insurance
A patient with current diagnosis of an aneurysm will experience resistance from many burial insurance carriers.
Most likely, if your aneurysm diagnosis happened within the past 2 years, it is likely the only option for final expense insurance coverage you’ll have is what’s known as a two-year waiting period, no-questions-asked life insurance product.
In short, two-year waiting period life insurance products make you wait two years before the policy comes into full effect.
Simply put, if you pass away from natural means within the first two years of the policy, your beneficiary will not receive the full death benefit.
Rare Exceptions To Qualifying For A Final Expense Insurance Plan With An Aneurysm
There are a few select carriers that will allow you to qualify for first day full coverage with a final expense insurance product, even with a current aneurysm.
However, I want to stress that this is rare. And qualifying depends on answering a series of additional health questions.
If your doctor surgically-resolved your aneurysm, your options for final expense insurance coverage increase tremendously.
Specifically, your life insurance options wholly depend upon the length of time that has passed since the aneurysm was resolved.
Less Than 1 Year Since The Aneurysm Surgery
If less than twelve months has passed since your aneurysm surgery, most likely the only option for final expense insurance coverage is a guaranteed-acceptance life insurance program.
This is the same program mentioned above that limits your full coverage until two years have passed.
Between 1 And 2 Years Since The Aneurysm Surgery
You have better coverage options if at least 12 months has passed since your aneurysm surgery.
You may qualify either for a Graded, partial first-day full coverage product. Or, you may qualify for a 100% first day full coverage final expense insurance plan, depending on how you answer other health questions.
Two Years Or More Since Aneurysm Surgery
Does Taking Blood Thinners Affect My Ability To Qualify For Final Expense Insurance?
At times, physicians will prescribe blood thinners like eliquis, coumadin, or plavix to reduce the risk of an aneurysm erupting, or recurring.
Depending on the length of time since your aneurysm as well as which blood thinners you are using, you may qualify for first-day full coverage.
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.
I have helped a lot of people using blood thinners get affordable final expense insurance without any type of waiting period.
Of course, your situation is unique, and the best way to figure out your options is to call 888-626-0439 for a free no obligation quote.