Can I Get a Final Expense Policy with Heart Disease?

Kim Wilhelm CEO of Final Expense Direct Life Insurance
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Written by Kim Wilhelm

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Last Updated 30 Nov 2021

Trying to get life insurance for a senior with a pre-existing health condition may sound impossible. 

But, believe it or not, it is NOT! 

Yes, you can get a final expense policy with heart disease. With a guaranteed issue enrollment, you will be accepted for coverage regardless of health issues, including heart disease, diabetes or even after a stroke

Why Do Heart Disease Patients Have a Hard Time Getting Life Insurance?

Heart disease is an incredibly serious concern. As you and your loved ones navigate the troubles it brings, life insurance is the least of your concerns. However, having a life insurance policy would help financial planning immensely.

Unfortunately, almost all life insurance companies reject those with terminal, chronic, and preexisting conditions, including heart disease. With limited options, where do you look?

Final Expense is Your Best Bet with Heart Disease

Unlike other life insurance policies, final expense accepts those with serious health concerns. This, of course, includes heart disease. But what is final expense?

With a final expense insurance policy, the policyholder chooses beneficiaries to receive a sum of money when they pass away, known as the death benefit. The beneficiaries will take the money and use it the way that the policyholder had intended.

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With final expense, the death benefit will be anywhere from $2,000 to $50,000. The policyholder and beneficiaries can choose to use this money to cover various costs, often including funeral costs, medical bills, credit card payments, and more. 

So, not only is final expense insurance an available option to those with heart disease, but it is also one of the best ways to take care of important costs for you and your family’s peace of mind.

Qualifying for Coverage with a Guaranteed Issue Policy After A Heart Attack

The question, then, is how do you qualify for a final expense policy if you have heart disease? Using guaranteed issue, you will be accepted for coverage regardless of health. 

Guaranteed issue skips any medical considerations or examinations. This means, regardless of preexisting, terminal, or chronic conditions, you can get a guaranteed issue final expense plan.

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Cross My Heart: Guaranteed Vs. Simplified Issue

This may not be the case, however, with a simplified issue final expense policy. From any insurance company that provides final expense, you will have two types of plans you may choose to enroll in—guaranteed issue, which does not consider health whatsoever, and simplified issue, which does (but not very much).

What does this mean? Other insurance policies such as traditional whole or term life will require an extensive check on your medical history, with a physical examination by a doctor. Simplified issue literally “simplifies” this process—it greatly reduces the questionnaire's extensiveness and forgoes the physical examination entirely. 

Due to this process, simplified issue is a bit less expensive than guaranteed issue. Simplified issue, then, is less expensive than guaranteed issue, but both types provide identical coverage.

Final expense is an absolutely fantastic insurance option for those with heart disease. If you are looking for a sure-fire way to cover important costs for you and your loved ones, final expense is for you.

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Get Coverage Fast with Hearth Disease

Final Expense Direct will match you with the insurance coverage you need to feel peaceful and confident with even life’s toughest challenges. To learn more, give us a call today at 1-877-674-0236.

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