Burial Insurance After a Heart Attack
Over 100 Carriers to Quote From. Here are a few of them!
Burial Insurance After a Heart Attack
A heart attack is life-changing, but it doesn’t have to block you from getting coverage. Burial insurance (also called final expense life insurance) is designed to cover funeral costs, unpaid bills, and small debts—without the hurdles of traditional underwriting. At Diversified Insurance Brokers, we work with carriers that understand heart history and offer plans that still approve applicants after a cardiac event.
Unlike large term or permanent life insurance, burial insurance focuses on affordability and accessibility. Even if you’ve had a heart attack recently, you may still qualify—sometimes with day-one coverage, other times with a short waiting period. The key is knowing which carriers are lenient and how your medical history is presented.
Get Instant Burial Insurance Quotes
Compare quotes in minutes. We’ll shop carriers that are friendliest toward applicants with cardiac history.
How a Heart Attack Impacts Eligibility
Every insurance carrier has different rules for applicants with a heart attack in their medical history. The most important factors are:
- Time since the event: The number of months or years since your last heart attack plays a major role in eligibility.
- Additional cardiac procedures: If you’ve had stents, bypass surgery, or an angioplasty, those details influence approval.
- Current medications: Common prescriptions like beta blockers or statins are usually acceptable, but combinations matter.
Some carriers only impose a two-year graded benefit if the event was recent, while others may allow immediate coverage after a set recovery window. To see how this plays out more broadly, read our guide on life insurance for heart disease.
Coverage Amounts and Costs
Most burial insurance policies range from $5,000 to $50,000. Premiums depend on age, gender, state, and how long ago the heart attack occurred. If your event was many years ago and you’re otherwise healthy, premiums may not be much higher than standard. If it was more recent, you may pay more or be subject to a short waiting period before full benefits activate.
Case Study: Approval After a Heart Attack
Profile: Male, age 65, heart attack four years ago, on medication, no recent hospitalizations. Seeking $20,000 in coverage.
Outcome: Approved for immediate day-one coverage at a standard final expense rate. Because more than two years had passed since the event, and his condition was controlled, he avoided the waiting period required by stricter carriers.
When heart history is more complex, we sometimes pivot to guaranteed-issue coverage as a fallback—then re-shop later once time frames improve.
Who Should Consider Burial Insurance After a Heart Attack?
- Anyone over 50 who wants to shield family from funeral costs
- Applicants denied traditional life insurance due to heart history
- Those with stents, bypass, or other cardiac procedures
- People within two years of an event who need guaranteed-issue coverage
If you want more than final expense coverage, some families also compare term-to-permanent conversions or life insurance alternatives for broader protection.
Get a Burial Insurance Quote Today
We’ll identify which carriers are most lenient with heart attack history—and lock in the best coverage you qualify for.
FAQs: Burial Insurance After a Heart Attack
Can I qualify for burial insurance after a heart attack?
Yes. Many carriers accept applicants with heart history. Eligibility depends on how long ago the event occurred and current health.
Do I need to wait before applying?
If your heart attack was within the past 12–24 months, some carriers may impose a graded benefit. After that, many allow full coverage.
What if I’ve had multiple heart attacks?
It depends on timing and recovery. Multiple events can restrict options, but guaranteed-issue policies remain available.
Are stents or bypass surgery an issue?
Not necessarily. Carriers view them as part of recovery. Approval depends on stability and time since the procedure.
Can I get day-one coverage?
Yes, if your heart attack was several years ago and you meet health criteria. Otherwise, a waiting period may apply.
How much coverage is available?
Most burial policies offer $5,000 to $50,000. This covers funeral expenses, debts, and final bills.
Do medications affect eligibility?
Common heart medications usually don’t block approval. Carriers are more concerned about hospitalizations or recent events.
What if I’m denied coverage?
Guaranteed-issue burial insurance is available with no health questions. We often re-shop later as your timeline improves.
How quickly can I get approved?
Most simplified-issue plans approve within days. Some issue same-day policies electronically.
Does a heart attack make premiums unaffordable?
Not necessarily. While premiums may be slightly higher, many clients secure affordable monthly payments within their budget.
Related Pages
Contact Us Today
📞 Call us at 800-533-5969
or visit our Contact Page
