Burial Insurance After Circulatory Surgery

Jake Irving

Jake Irving is the Founder of Policy and has contributed to articles for Synchrony Financial, GoBankingRates, Yahoo News, UpCity, Zapier, LegalZoom, and more.

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There are surely many things on your mind after being told you need to get a circulatory procedure. One of those things may or may not be life insurance.

Can Someone Get Burial Insurance After Circulatory Surgery?

After having a circulatory surgery or other procedure, it is possible to qualify for final expense life insurance. All insurance providers will ask about this on the application to gain immediate coverage. Acceptance comes down to the timeline of when you had the procedure. If it were done within the last 12 months, you would be subject to a waiting period.

The Basics of Final Expense Insurance

Final expense, burial, and funeral insurance refer to the same type of whole life insurance coverage. These policies were designed for seniors to help cover the cost of a funeral and other final expenses.

Since these policies come in smaller coverage amounts, known as a death benefit, they are more affordable than traditional whole life insurance plans.

By obtaining a whole life burial policy, you will gain the following key benefits.

  • No Expiration
  • Price Lock
  • Coverage Lock
  • Build Cash Value

Underwriting Final Expense Insurance After Circulatory Surgery

Underwriting is the process an application goes through before a plan is issued. To gain immediate coverage, you must satisfy the insurance provider’s requirements for the policy.

Insurance companies react differently to each health condition that someone may have based on their risk tolerance. Generally speaking, the lower the cost, the healthier the applicant needs to be.

Final expense life insurance applications are likely going to ask about these specific heart or circulatory procedures.

How Timeline of Circulatory Surgery Effects Eligibility

Many types of procedures fall into this category, and even more medical concerns could cause the need for circulatory surgery. That is why insurance providers ask about it before issuing a policy with no waiting period.

Under 1 Year: Due to the nature of this surgery, if it has been less than 12 months, you will have a minimum 2-year waiting period before being fully covered. We recommend getting a guaranteed acceptance policy as there are very affordable options on the market.

1 – 2 Years: A few companies will award immediate coverage to those who fall into this timeframe after their procedure. These plans are slightly more expensive than if it has been over two years. However, you will have no waiting period, which is always preferable.

Over 2 Years: With most burial life insurance companies, you will not be restricted to different plan types if it has been over two years since your circulatory procedure. Meaning you will be treated as though you have never had this surgery and qualify for their top tier plan, assuming you meet the other health requirements.

Quotes for Burial Insurance after Circulatory Surgery

The pricing below is based on when you had heart or circulatory surgery and your age when applying for life insurance. These quotes assume that you do not have other medical concerns that would disqualify you from coverage.


$10,000 of Coverage

AgeUnder 1 Year1 – 2 YearsOver 2 Years


$10,000 of Coverage

AgeUnder 1 Year1 – 2 YearsOver 2 Years

Available Types of Funeral Insurance after Circulatory Surgery

When looking into coverage, you should know that there are two types of final expense insurance.

Simplified Issue: Your insurance agent will ask a short series of health questions to determine if you qualify for this type of policy. The questions require a simple yes or no, to move forward. The agent is then able to pre-qualify you for the plan before moving forward with the application process. Simplified issue policies have options that come with and without a waiting period.

Guaranteed Issue: There are no health questions asked, so virtually everyone can qualify. However, this policy type will always have a minimum waiting period of at least 2 years. There are a few insurance providers that offer very affordable guaranteed acceptance plans. Most applicants will be able to qualify for a simplified issue policy.

When did you get your Pacemaker

How To Find The Best Policy For Final Expense Insurance After Circulatory Surgery

There are many metrics to consider before applying for life insurance. However, there are really only three things to keep in mind when it comes to finding the best funeral insurance policy.

Company’s Financial Rating: Take out your policy with a company that has a good financial rating. Doing this will ensure that the carrier will have the money to pay your beneficiaries upon filing the claim.

Monthly Premium Cost: Coverage is generally the same, so make sure you get the lowest price available to you. There is no need to pay more for similar coverage that you could have gotten at a lower monthly rate.

Coverage Start Date: While it is not always possible to gain immediate coverage, you should always attempt to get coverage that starts as soon as possible based on your medical status. Never wait more than two years for full coverage to begin.

How to Buy Senior Life Insurance after Circulatory Surgery

There are countless avenues to purchase life insurance from. The two main ways are independent and captive agents, and both types hold the same license. However, their access to policies is what sets these two apart.

Captive Agent: This type of agent is contracted with one insurance provider. This contract makes them unable to represent other insurance companies.

Independent Agent: As the name might suggest, this type of agent is independent of any particular company. They can represent several life insurance companies. Thus, offering a greater variety of policies to their clients.

Final Thoughts On Life Insurance After Circulatory Procedure

a. Getting burial insurance after circulatory surgery at an affordable rate is possible.

b. The primary consideration given for a simplified issue policy is the time that has passed since the procedure.

c. Working with an independent agent with access to several life insurance providers is going to be the best way to get the most optimized coverage for your specific health and budget.