A Step by Step Guide to Burial Insurance with a Blood Clot
If you have recently had a blood clot, you may want to know how it affects the price and coverage of funeral insurance. In fact, many of our clients who experienced blood clots started asking these questions directly.
Blood clots usually appear to have little or no effect. We often help many clients with blood clots secure affordable life insurance for final expenses, and we can also help you. We will let you know how we assisted them so that you know what to expect.
This article will cover how blood clots can affect funeral insurance prices, how insurers react to this health condition, and how you can get the full policy at the lowest cost.
The Reality of Burial Insurance After a Blood Clot
Some burial insurance companies will inquire about blood clots, but most do not. All of this means that in the vast majority of cases, blood clots are not actually a problem.
To buy funeral insurance after a blood clot, you are more likely to qualify for simplified or level death benefits. This is also applicable if you have had a pulmonary embolism. And this means you will be entitled to a policy that has full protection from the first day, and your payment would be the lowest offered by insurers.
Generally, you would have to pay more for a blood clot or go through a waiting period if you should have some form of surgery to fix it (which is uncommon)
Here is the Conclusion
Some insurers are concerned about blood clots, and others are not. Because we have access to several companies, we would only give you access to one of the funeral insurance companies that would not care about blood cloth.
Oh, and see this …
No funeral insurance plan will require you to undergo a physical or medical examination as part of your application. The main thing you will do is answer some questions about your health.
Burial Insurance Underwriting for Blood Clots
In most situation, underwriting blood clots focus more on treatment. It is true that some insurers ask you about blood clots and penalizes you for it. However, this is really unusual. Most burial insurance companies will not inquire about blood clots.
Just because it doesn’t question them means they are not concerned about it.
In order to be able to state accurately and provide a clear and predictable result, we will ask some questions about blood clots.
- When was your last diagnosis for blood clots?
- Did you undergo any surgery for blood clot treatment?
- Did you take any medications? If yes, when were they prescribed?
- Did you ever have a diagnosis for Deep Vein Thrombosis?
- Do you have other health problems? If yes, did you treat it?
After knowing this information, we can tell you precisely the company that will offer you the best option and what they will charge exactly.
Let’s be Clear About a Few Things
If you had experienced pulmonary embolism or have diagnosis for deep vein thrombosis, there won’t be a problem for you qualifying for a level death benefit of many insurers.
We have many end-of-life insurance companies with underwriting that will accept you wholeheartedly without problems.
Read below to find out how the end-of-life companies will respond to potential cases of blood clotting.
Medications
There may be several medications prescribed when the doctor finds a blood clot. In most situations, antidepressants like Coumadin, Eliquis, Xarelto are usually the first type of treatment.
However, the great news is that there are many funeral insurers that agree perfectly with or blood thinners. You will still be entitled to death benefits.
Surgery
Although very unusual, surgery may sometimes be necessary to treat blood clots, deep vein thrombosis and pulmonary embolism. The commonest is installing a Vena Cava filter.
Irrespective of the surgery type, if you perform any type of surgery on any part of the circulatory system, it will greatly affect your coverage.
The Way Insurance Company Offer Policies Depend on the Time of Surgery
You have had surgery in the last 12 months.
Most end-of-life insurers will only offer policies with higher payment rates (15-30% more), with a waiting period of two years. And this is a guaranteed acceptance policy.
You have had surgery in the last 12 months, but only in the last 24 months.
Most of the top-rated insurers we will offer you will only check as far as 12 months for blood clot surgery applicants.
If you have had no problems beyond the blood-clotting operation in the past 24 months, we will likely find a simplified type of end-of-life insurance policy, which means lower payment rates and instant insurance coverage (no waiting period)
If surgery took place 24 months ago
In this situation, most of our best insurance companies will practically disregard that you undergo blood clot surgery if it was more than 24 months ago. You are sure to find a simplified or level type of insurance for final expenses with instant first-day insurance coverage.
