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If you have Afib and have spent more then five minutes looking for insurance, you already know that it can create a significant hurdle to find affordable options. I also don’t have to tell you that several insurance companies are going to see it as high risk which results in the higher prices that you’re probably seeing.
But don’t worry, there are still good solutions if you know where to look!
Simplegacy has been successfully helping individuals all over the USA secure quality affordable final expense insurance even though they deal with atrial fibrillation. There are still options that can offer you affordable and immediate coverage if you know what you’re doing (and we know what we’re doing!!). We can show you how to secure AFib burial insurance at the lowest cost possible.
You won’t be required to take a physical or medical exam during the application process. Burial insurance companies only ask health history questions.
In this article, we will detail exactly what insurers look for when you have AFib, how they respond, and how to find the best burial policy when you have atrial fibrillation.
The Reality About Burial Insurance with Atrial Fibrillation
When you deal with Afib, there are going to be funeral insurance companies that will charge you more money and possibly impose a waiting period. When an insurance carrier sees a medical issue as an increased risk, they are going to charge accordingly. That said, not all insurance companies are the same and there are still insurance companies that welcome AFib applicants and approach it the same as a person in perfect health!
AFib Underwriting with Final expense insurance companies
Underwriting is the process the insurance company goes through to decide your level of health and the level of risk they’re going to be taking on by offering you coverage. Nearly all final expense life insurance companies will inquire in some way about Atrial Fibrillation on the application. It’s always a Yes/ No, they won’t care about the severity of your condition, how it happened, when it started, how long you’ve dealt with it, etc. It’s very straight forward. “Have you EVER been diagnosed or treated for AFib?”
Most health questions on a final expense application will have a specific period of time they want to know about. They might ask, “In the last 12 months…” or “Within the psat 5 years, have you….”. In the case of AFib, since it’s not something you can cure or get rid of, they always ask about it for your entire life.
According to the Mayo Clinc, AFib is just a term that describes a condition where your heart beats at an irregular pace. With that, some burial insurance applications will use different terminology such as “Afib”, “Atrial Fibrillation” or “irregular heartbeat”. Regardless of how its asked, if you have AFib, you would need to say yes to that question.
The nice thing for us is that not all final expense applications will ask about AFib. As mentioned before, each insurance company is different and so there for the all determine for themselves what they view as a medical risk or what they don’t. There are many burial insurance companies we work with that won’t inquire about Atrial Fibrillation or irregular heartbeat on their application. When it comes to final expense, if they don’t ask, they don’t care, period. So, if they don’t ask, they are perfectly okay with you having that condition. To them, it’s just as though you didn’t have it.
What Information We Need to Properly Help You
In general, there are only two key questions regarding Afib that will give us the information we need to help you
1. Do you have AFib?
2. What medications do you take?
In our experience of speaking with dozens of insurance carriers and thousands of people, burial insurance companies are not interested in any other data about the condition, this is all we need. Final expense life insurance plans are designed to be very simple; this removes a lot of the grey areas and allow us to quickly identify which companies are going to give you the most favorable assessment.
Medications That Would Indicate Atrial Fibrillation
As mentioned before, letting us know what medications you take will help us in this process. Funeral insurance companies will have two separate components before approving you. Basically, the insurer will ask you their formal health questions, and they will check your prescription history. They do this to confirm you were honest with the questions they asked.
They will be on the lookout for medications that would suggest you have AFib. If you are on any of the below medications, the carriers will view you as an Atrial Fibrillation patient and if you’re taking the medication but don’t have Afib, they will most likely need to confirm that with your physician.
You might be on other medications for AFib, but those are the most common. If you are on them and you apply for coverage with a company that does not respond favorably to AFib, these medications will pop up and they will view you as an AFib patient. In most cases though, if you have Afib, we’ll be trying to work with the carrier that views this most favorable if it’s the only condition were dealing with.
How We Make Sure You Don’t Overpay
When we say we can get you a burial policy that will not cost more or require you to endure any sort of waiting period, we are basically putting you with one of the final expense companies that we know won’t ask about Atrial Fibrillation or irregular heartbeat. The path of least resistance is to simply go with a company that doesn’t even ask about it since again, if they don’t ask, they don’t care.
Sure, there are lots of companies that take issue with AFib, but if your goal is to find the lowest monthly payment, we really don’t even need to consider those insurance carriers. Since we have access to so many different insurance companies, we can easily find a company that’s not going to ask that dreaded question. It’s one of the many benefits when you have lots of choices!
All of this is assuming that your Afib is the only condition were talking about. Having other conditions will obviously require us to see if there’s a company that doesn’t care about your other conditions also! Taking this approach also means that you may not be getting to work with your favorite company unless you’re willing to pay what they’re charging for the risk they feel they’re taking…So if you’ve always worked with company ABC, you might have to come to grips with the fact that company XYZ might be the better fit depending on your situation if your goal is to pay the least amount…
Key Points to Remember
Clearly this article is primarily about AFib. The thing you must remember is that AFib is just one piece of the pie when discussing coverage. Burial insurance companies will ask about lots of different health conditions, medications, etc. So, while we have lots of companies that freely accept Atrial fibrillation applicants, they might not be so accepting of your other health conditions…
We bring this up because we don’t want everyone thinking that no matter what your health problems are, we can find you a first day coverage policy at a rock bottom price. Simply put, that might not be realistic if you’re dealing with multiple items. If all you have is AFib, then yes, we certainly can. But without knowing the details about all your other health issues and medications for other conditions, we can’t say for sure. The more information you give us, the better we can help you.
Most of our customers get approved for a policy that has no waiting period and has the lowest price possible. So, if you have AFib or irregular heartbeat, we are super confident that we can find solutions for you.
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.