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Are you looking for burial insurance quotes but want to know how a past aneurysm might affect your ability to get coverage?
There are definitely insurance companies that care if you’ve had an aneurysm and they will ask questions in their application process to find out if you’ve had one. There are also companies that don’t see a past aneurysm as a high-risk item and they might not even ask about it. We all know that if an insurance company doesn’t ask about it, then as the consumer, this means they don’t care and were in luck! Even if they ask, depending on what treatments/ medications you received for the aneurysm, we may still be able to lock in a rate for you comparable to a person with no history of health issues. This article will detail exactly how insurers respond to aneurysms, what options you have, and how to find the best burial insurance after an aneurysm.
The Good News About Burial Insurance After an Aneurysm
For the reason we just mentioned above, there is a REALLY good chance that you will qualify for a level death benefit. Even though some companies might view it as high risk, there are some out there that don’t. This means you will be quoted the absolute lowest price that final expense companies offer, and you will have an immediate 100% coverage with no waiting period.
For the insurance companies that do ask, the location and your treatments for the aneurysm will ultimately determine what impact, if any, it has when you apply for burial insurance.
Like all other situations when you apply for burial insurance, you won’t be subject to a physical or medical examination. The application for funeral insurance is done simply by answering some health questions. That’s it.
How The Insurance Company Approaches An Aneurysm
It would be nice if aneurysms had symptoms so we never had to deal with them rupturing in the first place. Unfortunately, there are still very few ways for locating an aneurysm until it ruptures.
When it comes to aneurysms, most insurance companies will ask about aneurysms in their health questionnaire. Here shortly we will cover the ways they can word the question since they are all different. Like we said earlier, we also work with companies that don’t ask at all.
To begin with, we would need to ask you certain questions related to your aneurysm. Our goal is to learn everything we need to know, so that we can match you with the most suitable and lowest cost burial insurance plan. The fact is that if we pursue coverage with a company that asks about your aneurysm, the details of the even and treatment will start to play a big role in how comfortable the insurance company will be with offering you coverage. Here are the questions we would ask you about your aneurysm.
1. When was your last aneurysm diagnosed?
2. Where in your body was the aneurysm?
3. What medications were prescribed, if any, to treat the aneurysm?
4. What surgeries were performed to treat the aneurysm, if any, and when were they?
Once we know this information, we can accurately and confidently give you a very clear picture about your realist options.
How the Life Insurance Application Asks About Aneurysms?
For the companies that do ask about aneurysms, the question will be very straight forward and simple. Usually, you will see the question appear in one of two ways.
• Have you been diagnosed with, or been treated for an aneurysm within the last 12 months?
• Have you been diagnosed with, or been treated for an aneurysm within the last 24 months?
Out of the insurance companies that do ask these questions, 99% of them will only go back two years. So, if yours was over 2 years ago, you will have no problem getting the lowest coverage and having the luxury of choosing between multiple insurance carriers if you have a preference.
Aneurysm Treatments and What Effect They Will Have
Simply having an aneurysm is easy to work with. We can deal with that no problem. On the other hand, it’s very often the treatment for an aneurysm that might cause someone to pay more or be stuck with a waiting period. Below is a complete breakdown of how the various treatments play out when you are applying for burial insurance.
In most cases, doctors will prescribe pills to treat high blood pressure or high cholesterol. They will also encourage you to quit smoking (if you do), eat healthier, and get more exercise. The prescribing of these medications by itself wont cause you to have to pay a higher premium. However, if you deal with other health issues or if you smoke, those combined items will start to cause the premium to go up because we’re no longer dealing with one single issue. The more health problems, the higher the risk and thus a higher payment…
Any surgery to correct an aneurysm will fall be considered a circulatory issue by the insurance company. It won’t matter if the surgery was considered preventative or to address an immediate medical emergency of one rupturing. Depending on when you had the surgery, you may or may not have to pay more.
If you have had the surgery within the last 12 months and the insurance company asks about it, there is no way you will avoid a waiting period along with having to pay a slightly higher premium.
How To Find The Best Burial Insurance After An Aneurysm
Regardless of the health history you or a loved one may have, the key to finding the best burial insurance is done simply by allowing the right company to go to work for you.
Simplegacy is an independent agency that represents 20+ insurance companies so that we can help you find the best solution at the best price for you and your family’s needs. We can unbiasedly tell you which company is the best because we work with all the best companies!
Please keep this in mind
• 90% of our clients get approved for a plan with immediate protection at the lowest price
• Its important to keep your other health conditions in mind as they will play a part in getting you covered.
• The more we know about your health, the easier it is for us to help you find a solution.
Simplegacy works with 20+ insurance carriers. Not only will we find a company to work with you, we will find multiple. When we do, we can compare rates and impartially recommend whichever carrier will give you the best value. We are not tied to any single company, which gives us the ability to unbiasedly tell you what your best solution is. Since we only work in the Burial/Funeral/Final Expense Insurance category, you will never have to worry about being “cross-sold” or pushed into a solution that doesn’t make sense in the long run for you.
We are here to help you in any way we can. We will use every resource available to us in order to help you find the best policy that will work for you and your family. Our goal is to approach every scenario the way we would if it was our own family that we were planning for.
Call us at 888-519-9119 or fill out the quick quote form for an instant quote.