Burial Insurance with Atrial Fibrillation (AFIB)

burial insurance with a pacemaker

Burial insurance with AFIB rates can be found by entering your information on the quote tool on this page or by calling us at 844-528-8688 for a no obligation quote.

Buying affordable burial insurance can be a daunting task, especially for those that have been denied in the past due to preexisting medical conditions.  Consumers diagnosed with atrial fibrillation (AFib) are regarded as high risk, according to most life insurance companies.

However, a diagnosis of atrial fibrillation doesn’t mean automatic disqualification for burial insurance; there are other ways to get this coverage.  Funeral Funds are an excellent way to secure affordable coverage because, with this protection, most carriers view those with AFib fairly.

In fact, through the years, many consumers with AFib have secured affordable life insurance through the use of Funeral Funds.  This article provides the information needed in order to secure burial insurance for those diagnosed with atrial fibrillation.

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WHY DO INSURANCE COMPANIES CARE ABOUT AFIB?

funeral insurance with afib

What exactly is atrial fibrillation? Atrial fibrillation (AFib) is an irregular heart rhythm that can lead to blood clots, stroke, heart failure, and other heart-related complications.  Presently, there are over two million Americans diagnosed with AFib.

When someone is experiencing AFib, their atria (upper two chambers of the heart) function independently of the ventricles (lower two chambers of the heart), causing the heart rhythm to beat out of sync.

This condition can cause light headedness, heart palpitations, shortness of breath, and weakness, or fatigue.  AFib can be caused by many different underlying health problems, such as high blood pressure, coronary artery disease, heart valve disease, cardiomyopathy, and heart failure.

Although not fatal on its own, atrial fibrillation is an issue for life insurance providers due to the chance of stroke or other more serious heart-related issues.

In fact, applicants diagnosed with AFib are five times more likely to suffer from a stroke compared to those with a normal heart rhythm.  For this, insurance companies view AFib as an increased risk.

UNDERWRITING FOR BURIAL INSURANCE WHEN SOMEONE HAS AFIB

The underwriting associated with burial insurance is quite different from that for traditional life insurance, such as term life insurance, indexed universal life insurance, and whole life insurance. 

Traditional forms of life insurance will want to know about the severity of the applicant’s atrial fibrillation, as well as the specific type of AFIB, and if any other underlying health conditions are present.

Fortunately, underwriting for AFib is different for burial insurance.  Carriers offering this form of life insurance will not ask about the severity or even what caused it, and there is no medical exam.

Burial insurance underwriting has two components:

  • Health Questions
  • Prescription History

These two components provide the insurance company with enough information to determine your risk, as well as your eligibility to receive coverage.

HEALTH QUESTIONS FOR FINAL EXPENSE LIFE INSURANCE WITH AFIB

Companies that offer burial insurance simply want to know if you have atrial fibrillation or not.  The health questions on the application are simple Yes and No questions.

Some examples of the types of questions asked are related specifically to atrial fibrillation, such as have you received a diagnosis of or treatment of atrial fibrillation in the past 12 months?  Some questions pertain to the possible presence of irregular heart rhythm, such as have you ever received treatment for irregular heart rhythm or heartbeat?

If you have been diagnosed with AFib, you will need to answer these questions with YES no matter how the questions are phrased.

However, not every burial insurance provider will ask about the history of atrial fibrillation.  There are actually a few companies that ask nothing about irregular heart rhythms or specifically, atrial fibrillation.  They do not find it necessary.

Some burial life insurance applications have what’s called “knockout questions.”  These are questions designed to immediately eliminate applicants if an answer of YES is given.  Burial life knockout questions typically pertain to health history and prescription medication history. 

Prescription History Check for funeral insurance with AFIB

prescription questions for burial insurance with afib

To verify an applicant’s health status, burial insurance providers will look into the applicant’s prescription medication history to see what medications are taken.

It’s crucial to be honest in answering your health questions because if your prescription medication history does not match your health questions answered, this will be a red flag for the provider.

For instance, if it’s found that you’re taking a medication for COPD, but you answer “no” to questions pertaining to receiving a diagnosis or treatment for COPD, the insurance company will deem your application as dishonest.

Here’s a list of prescription medications often prescribed for Atrial Fibrillation:

  • Amiodarone (Cordarone, Pacerone)
  • Flecainide (Tambocor)
  • Digoxin (Lanoxin)
  • Dofetilide (Tikosyn)
  • Sotalol (Betapace, Sorine)
  • Propafenone (Rythmol)

If any of these medications are prescribed and taken by you, the burial insurance company will view you as an applicant with atrial fibrillation.  Taking prescription medications for AFib is naturally a good indicator that you have AFib and that your heartbeat needs to be regulated. 

If you’ve been taking any of these medications for more than two years, it will appear to the insurer that you’ve got control over your underlying AFib condition. 

On the other hand, if you’ve been recently prescribed large doses of any of these medications, the insurer will view your condition as unstable or unregulated.

Affordable Burial Insurance For People With Atrial Fibrillation (AFIB)

Now that you have an understanding of how burial insurance companies deal with AFib as a medical condition, what type of policy would you want to choose? For most, the obvious choice would be the one that’s most affordable, and that provides the best coverage for your individual needs.

Level death benefit coverage is available for those diagnosed with atrial fibrillation.  As mentioned before, atrial fibrillation in of itself is not life-threatening.

Consequently, there are other health conditions that may affect your eligibility.  For example, the presence of diabetes, obesity, cancer, as well as other health conditions in addition to your AFib can greatly reduce your level death benefit.

This is where our company LJM Life Insurance, comes in to help you. You can call us at 844-528-8688 or we can contact you. We assist consumers suffering from AFib, and other medical issues with obtaining the proper coverage needed. 

There is no reason that an applicant should pay exorbitant prices for burial insurance due to the diagnosis of AFib.  Even with the presence of other health conditions, our company can find a policy that fits both your needs and your budget.