Heart trouble: Afib, blood thinners, CHF, fluid pills, coronary artery disease, any heart or
circulatory surgery within the last 2 years, blood clots, or aneurysms
If you have had any of the below operations, they would equate to
a circulatory surgery according to final expense life insurance companies.
Having
a circulatory surgery of some type can potentially have an effect on how much you pay for a burial insurance plan.
Today, we will be discussing any and everything related to getting burial insurance after having
a circulatory surgery.
had a heart attack or aneurysm, or had or been medically advised to have any type of heart, brain or
circulatory surgery (including, but not limited to a pacemaker insertion, defibrillator placement), or any procedure to improve circulation?
You might be thinking that it's impossible to find affordable final expense insurance after
a circulatory surgery.
The question that asks about a heart or
circulatory surgery would be the one you would say yes to.
99 % of funeral insurance companies will only look back 2 years on any kind of
circulatory surgery.
At the same time, we absolutely have burial insurance companies that don't view an ICD battery change as a qualifying heart or
circulatory surgery.
Have a pacemaker installed would qualify as a heart or
circulatory surgery.
If you have recently had a pacemaker battery change, we would pivot to the companies that don't view that as a heart or
circulatory surgery.
EVERY single life insurance company will absolutely ask about a heart or
circulatory surgery.
This small surgery to change the battery in a pacemaker qualifies as a heart or
circulatory surgery with most burial insurance companies.
Angina (chest pain), any type of heart or
circulatory surgery, heart attack, or received a pacemaker or stent?
Every funeral insurance company views a defibrillator being implanted as a heart or
circulatory surgery.
Since a pacemaker installation would qualify as a heart or
circulatory surgery, you would definitely need to answer yes to one of those questions if indeed it was within one of those specified time frames.
The question at hand is whether or not an insurance company views a battery change as a qualifying heart or
circulatory surgery.
Most final expense life insurance applications will contain a question asking about any recent heart or
circulatory surgeries.
Thankfully, there are final expense life insurance companies that only ask about heart or
circulatory surgeries within the last 12 months.
In almost all cases, every burial insurance application will ask about heart or
circulatory surgeries within the last 12 months or the last 24 months.
Thankfully, there are indeed some burial insurance companies that only look back one year on heart and
circulatory surgeries.
It's important to note that there are not very many burial insurance companies that only look back 1 year on heart or
circulatory surgeries.
First, it's very rare in that it only asks about heart attacks, strokes, & heart or
circulatory surgeries within the last 12 months.
Not exact matches
It is true that when you go to sleep and wake up the next morning or go under anesthesia for
surgery and come back hours later, your memories return, as they do even after so - called profound hypothermia and
circulatory arrest.
«While short
circulatory arrest times with deep hypothermia are safe, these more complex
surgeries benefit from cerebral perfusion,» said Dr. Ghanta.
Regardless of the type of
surgery, if you have ANY sort of
surgery on any part of your
circulatory system, it will have a huge impact on your coverage.
To final expense life insurance companies, they only care about WHEN you had the last
surgery on your
circulatory system.
Every life insurance company has pretty much the same definition when it comes to
surgeries on the
circulatory system.