According to the CDC between 2.7 million and 6.7 million people in the United States suffer from a cardiac condition known as Atrial Fibrillation. It is the most common type of heart arrhythmia.
Atrial fibrillation is often referred to as A-Fib. A-Fib causes irregular heartbeats A-Fib is associated with several risk factors.
It can even develop simply because you are aging. For most people with atrial fibrillation their doctors prescribe a medication that helps to control their heart rhythms.
Atrial fibrillation causes real trouble for people who are trying to buy burial insurance. The insurance companies see the diagnosis of A-Fib on your medical records and they either refuse to insure you or they offer you insurance at rates that you cannot afford.
It is very frustrating to know that you need burial insurance so that your family is not burdened when you pass, and be unable to find coverage that you can afford.
There is an answer to this problem. A diagnosis of A-Fib does not mean that you are never going to be able to find burial insurance.
- Why Do Insurance Companies Charge More for or Refuse Insurance to People with A-Fib?
- Looking for the Right Coverage
- Prepare to Look for Insurance
- Your Medicine Reveals a Lot about Your Health
- Why We Can Help A-Fib Patients Find Burial Insurance
- A Vast Network
Why Do Insurance Companies Charge More for or Refuse Insurance to People with A-Fib?
A-Fib is not the real problem as far as the insurance company is concerned. The insurance company knows that A-Fib can be an underlying cause to other conditions like strokes and heart attacks.
They also know that people who have been diagnosed with A-Fib often have other serious medical conditions.
Insurance companies do not want to take a risk of losing money. They want to insure people who are going to pay their premiums and not cost the insurance company.
They are happiest with really healthy people who will pay premiums for many years before the insurance company has to pay the coverage amount named in the burial insurance policy.
People with serious heart conditions, like A-Fib, or heart failure are people who could die before the insurance company makes enough money off of their premiums to make the final payment not cost them money.
Looking for the Right Coverage
You know by now that the best way to shop for things like insurance coverage is to compare several offers. You weigh the pros and cons of each policy, and then you can decide which policy is best for you.
Looking for insurance is a hassle. There is just no other way to put it. You either call the insurance company, or you visit their website.
Then you answer a multitude of questions. Finally, you give the company your phone number and email address, and they promise to get back with you when they have your quote ready.
You wait hours, or days, to hear back from each of the companies you have spoken to.
The insurance companies either get in touch with you and tell you that they cannot offer you any coverage, or they offer you coverage that is less than you want at a price that is more than you are willing to pay.
Prepare to Look for Insurance
Most people do not know that insurance companies often ask trick questions in an effort to get people to reveal something about their medical history.
They may ask you if you have any cardiac issues, but they may slip the question about cardiac issues in via other questions.
Some of the medical questions used by insurance companies to uncover A-Fib are:
- Have you ever had rapid heartbeats?
- Have you ever had a stroke?
- Have you ever had a heart attack?
These questions by themselves cannot cause the insurance company to believe you have atrial fibrillation, but questions like these, and the list of medications you take, can cause them to believe it.
You have to be prepared for the medical questions, and the tricky medical questions when you are searching for insurance.
You have to tell the truth about your health conditions or the insurance policy will not be honored when you pass. You cannot hide an illness like A-Fib, but you can answer the questions carefully so the agency will offer you better plans.
Final Expense Insurance Specialist
We offer final expense insurance specialists to help you navigate the medical questions associated with burial insurance.
These specialists need to know the absolute truth about your medical condition so they can help you answer the underwriter questions truthfully without sending up insurance red flags.
Our specialist sees the insure underwriter questions daily. They know what kind of answers the company is looking for, and they know what kind of answers a person with A-Fib will have to give.
They have learned through experience how to answer the question without making the condition seem worse than it is.
The final expense insurance specialists will know what medications are going to cause the insurance agency to believe your condition is worse than it is.
Your Medicine Reveals a Lot about Your Health
The medication that you take tells an insurance company or medical professional a lot about your current health issues and possible future health issues.
If you take some medications the insurance company will automatically consider you to be an -Fib patient. These medicines include:
- Amiodarone (Cordarone or Pacerone)
- Flecainide (Tambocor)
- Propafenone (Rythmol)
- Quinidine (Various)
- Sotalol (Betapace)
Insurance companies may tell you that you do not have to see a doctor or get a physical to get coverage.
That is because they are going to take your answers to what medicine you take, and what health issues you have, and they are then going to make up their own mind on whether or not they think you suffer from a serious condition like A-Fib.
Even if you take none of those medications, the fact that you take a high blood pressure medication can often cause insurance agents to be suspicious of your health answers.
Why We Can Help A-Fib Patients Find Burial Insurance
We only deal with top rated A+ insurance companies that can offer our clients the final expense insurance they are searching for.
We do not waste our clients time, or our time, dealing with insurance companies that offer people with medical conditions like A-Fib poor coverage at extravagant cost.
Our team of final insurance specialist work hard to create a list of insurance companies that offer fair priced insurance.
They know which companies offer the best coverage and they have a vast amount of experience so they can walk you through the application process quickly.
The main reason why we are able to help you get great insurance at a fair price is our experience. Our company founder has more than 35 years’ experience in dealing with burial insurance providers.
Our specialist only works with people who are trying to get burial insurance and the majority of our clients have a medical condition like A-Fib that can stop them from getting good insurance coverage.
A Vast Network
In order for us to be able to help people with medical conditions like Atrial fibrillation find burial insurance that is good, and fair priced we had to develop a vast network of insurance companies.
Most companies that help you look for burial insurance will only have a few companies that will work with people who have health issues.
That means their clients have a limited number of options for their insurance coverage. The list of insurance companies we have that works with people who have medical conditions is vast.
The multiple insurance companies mean that you will get multiple offers for coverage, and you will have options in your coverage.
All you have to do is give us a call and let us go to work for you. You will answer medical questions one time, and then we will answer all of the different insurance companies.
We will ask you if you suffer from A-Fib. We will ask you what medication you take. We will find an insurance company that does not discriminate against your condition.
There is no reason for you to worry any longer about your burial insurance. We have an answer for you, and we actually want to help you.
A Final Thought
We know that hunting for burial insurance is frustrating. I am stressful and it is not something anyone enjoys doing. Let out specialist sit down with you and help you through this process. They can find you coverage you can afford, and they will do so cheerfully.
You do not need to be punished for having a health condition.
Atrial fibrillation is hard enough for you to deal with without you feeling like you are being punished and are not going to be able to take care of your final expenses.
You need someone who understands what you are going through and who is capable of helping you find real solutions.
We have a success rate of finding burial insurance policies that have no waiting periods for as many as 90% of our clients.
Our clients get insurance coverage at the lowest possible cost, and all they have to do is invest a few minutes of time with one of our agents over the phone.