Funeral Coverage for Individuals with a DefibrillatorBurial Insurance For People With a Defibrillator

September 26, 202310 min read


Considering a Defibrillator? Consider Burial Insurance for Added Security

If you're contemplating the necessity of a defibrillator, it's prudent to also consider the importance of burial insurance to protect your loved ones in the event of your passing. Burial insurance, while optional, provides an additional layer of financial security specifically for funeral expenses.

The funds from a burial insurance policy can be utilized to cover various funeral costs, including burial or cremation fees, floral arrangements, clergy services, music at the service (if desired), charges associated with publishing obituary notices, and other related expenditures.

For those seeking more information on the coverage offered by funeral insurance policies, a blog article on the topic can offer valuable insights.

Discovering Affordable Burial Insurance for Individuals with Implantable Cardioverter-Defibrillators (ICDs)

Are you wondering if it's possible to obtain life insurance with a pacemaker or an implantable cardioverter-defibrillator (ICD)? Having an ICD, managing abnormal heart rhythms like AFIB, experiencing a heart attack, or dealing with heart disease may lead one to assume that burial or final expense insurance plans will be prohibitively expensive.

However, this assumption is not accurate.

In fact, it's entirely possible to qualify for an insurance policy at a competitive price with immediate coverage from day one.

With decades of experience in the insurance industry, we've assisted numerous individuals with ICDs in securing optimal coverage at affordable rates.

If you're an adult child seeking burial insurance for your parents with a defibrillator, don't hesitate to reach out to us—this is our area of expertise!


Dispelling Myths Surrounding ICDs and Burial Insurance Costs

Contrary to popular belief, having an ICD doesn't necessarily mean exorbitant burial or final expense costs. While certain characteristics related to ICDs may influence the cost and coverage level of insurance plans, there are options available to mitigate these concerns.

Here's how you might be eligible for a coverage plan with the lowest price and fast coverage:

Our comprehensive list of health impairments includes ICDs, ensuring day one approval.

Alternatively, our team of highly qualified final expense insurance specialists can provide expert guidance on selecting the top-rated insurance provider offering quick coverage for an ICD at an affordable price.

Navigating ICDs and Final Expense Insurance Companies

Let's address some common misconceptions:

While some insurance companies may have concerns about recent ICD installations or battery changes, many are accommodating to individuals with ICDs.

Certain circumstances, such as recent surgical procedures or specific health conditions, may impact the quality and price of coverage plans offered to individuals with ICDs.

However, many burial or final expense insurance providers do not consider pacemakers, implantable cardioverter-defibrillators, or ICDs during their underwriting process—indicating their acceptance of such devices.

Additionally, these insurance plans typically do not require a physical or medical examination, streamlining the application process.

ICD Underwriting Process Of Final Expense Insurance Companies

The underwriting process is how most companies that offer final expense or burial insurance find out if you have any preexisting problems, serious illnesses, or use illegal drugs. They will also examine your past prescription drug history and conduct lifestyle interviews.

In order to define your risk and establish the type of insurance coverage they may provide, providers of final expense insurance will essentially look at your entire medical history.

How far back do life insurance companies look at medical records?

In the underwriting process, insurance companies will ask about the following:

  • Questions about your present and past diseases (if there’s any) and lifestyle.

  • Prescribed medication history assessment.

Health questions in the underwriting

All insurance companies will inquire about a variety of conditions during the underwriting process that often have a low chance of survival, according to statistics. Additionally, questions about alcohol and tobacco use are included because both can hasten the progression of a disease or reduce a person's projected life span.

Good to know: The language of the underwriting questions will vary from insurance company to insurance company.

Though the health-related questions might seem easy to answer, don't attempt to do so by yourself! Speaking with an experienced Final Expense Insurance Specialists could mean the difference between paying cheaply or spending dearly when answering these questions!

In any case, you should contact an independent insurance consultant or agent to receive professional guidance as soon as possible in order to secure the best burial or final expense insurance coverage.

A knowledgeable, independent agent with plenty of expertise will be familiar with the insurance companies' underwriting procedures and will be able to identify which insurer will view your health the best straight away.

Our team at is made up of independent final expense experts with years of experience. We are experts in the underwriting procedures of all the top-rated insurance providers to which we have access.

Conclusion: Ensuring Financial Security with Burial Insurance

For individuals with defibrillators, securing burial insurance offers peace of mind and financial protection for their loved ones. While concerns about eligibility and costs may arise, working with knowledgeable insurance specialists can help individuals find affordable coverage options tailored to their unique circumstances.


What Burial Insurance Companies Watch Out For In ICD

Which life insurance provider offers the best coverage? In addition to any other illnesses or ailments you may have, it is now very obvious that insurers will object when you have your ICD fitted or its battery changed.

How ICD Is Installed

In order to monitor your heart's rhythm, your doctor will insert a thin wire into a vein and guide it until it reaches the right ventricle of your heart.

The cable will now be linked to an ICD generator that runs on batteries after it has been verified that it is in the proper location and is functioning properly.

Your doctor will then install the ICD generator just below the collarbone under the skin of your chest.

Heart And Circulatory Surgery And Insurance Companies

If you have undergone heart or circulatory surgery within the last 12 or 24 months, every burial or final expense insurance provider will inquire about it in their underwriting questions.

Typically, the inquiry is phrased along the lines of, "Did you undergo heart or circulation surgery during the previous 24 months? When?”

The problem with this is that insurance companies classify the Implantable Cardioverter-Defibrillator (ICD) installation treatment as a heart and circulatory surgery, which is accurate given that the ICD installation entails inserting a short wire into a vein leading to your heart.

The bottom line

If you had a heart or circulatory surgery within the last 12 months, insurance companies can only offer burial or final expense insurance plans at higher premiums with a waiting time period. The extra cost and waiting time may vary from different insurance companies.

If you had one over 12 months but under 24 months (13 to 24) you can get a simplified insurance plan from a few top-rated insurance companies.

Burial Insurance Companies Insurance Plan Offers for ICD

Who has the greatest insurance for burial? It should be clear by now that the installation date and the most recent battery change are the two most common causes with an ICD.

The different ways that insurance companies might provide funeral or final expense insurance coverage for someone with ICD are listed below.

1.  Your ICD was installed MORE THAN 24 months ago

You won't have any trouble obtaining a streamlined burial insurance coverage in this particular instance alone. The cheapest possible monthly premiums will provide immediate insurance coverage from day one.

Any burial insurance provider will gladly accept your business, but you wouldn't want just any insurance provider, would you?

Do you wish to receive prices from various highly regarded insurance providers in your state?


2.Your ICD was installed MORE THAN 12 months ago

There is a new trend among insurance companies to charge more and require a waiting period if you need their services to cover a funeral or other final expenses.

Fortunately, we work with a select group of highly reputable insurance carriers who are willing to offer simplified burial insurance coverage even if your ICD installation occurred more than a year ago. As a result, we'd appreciate it if you stayed on board with us.

3.  Your ICD was installed WITHIN the last 12 months

If this describes you, your insurance options will be more expensive than a standard policy and include a waiting period of 24 months.

It's not terrible, given that you can still get covered and it won't cost you anything. The monthly premiums are usually 15-30% higher than they would be with a more basic plan.

ICD Battery Change And Burial Insurance Companies

Some health insurers still classify ICD battery replacements as open-heart surgery. Due to this, these businesses can only provide coverage plans at a significantly higher cost with a waiting time, very similar to what you would experience if you had recently had your ICD implanted (see also point #3 above).

Some highly rated providers of burial or final expense insurance will still consider you for basic coverage even if you need to update the battery in your implanted cardiac defibrillator (ICD).

If you recently had your ICD battery updated and want to avoid hassles with finicky insurance, perhaps you will continue working with us.

How To Find The Best Burial Or Final Expense Insurance If You Have ICD

The qualities that you should be looking for in a coverage plan with ICD are the following:

  • The one with the lowest monthly premium of all insurance companies.

  • The insurance company that can offer a simplified plan that only has a 12 months look back on ICD installation.

  • The insurance company that can offer a simplified plan even if you have a recent ICD battery change.

  • The policy has the highest benefit payment with immediate coverage.

  • The insurance company is financially stable with a proven track record.

We here at can exactly get you these coverage qualities for anyone who has ICD!

We have helped a lot of folks who have ICD- even the ones who got theirs installed over 12 months (but under 24) or recently had their ICD battery changed.

Impaired Risk Life Insurance Specialists

We are an independent insurance firm with a staff of highly skilled Final Expense Insurance Specialists. We have access to the top-rated A+ insurance companies in the nation, and we only offer premium insurance policies with cutting-edge supplementary features that are provided at no additional cost.

We are driven by a mission to ensure that EVERYONE has access to the best last expense insurance coverage available! regardless of their health problems.

How Much Does Burial Insurance Cost

We have a masterful knowledge of the underwriting questions and rates of every top-rated burial or final expense insurance company that we represent.

What we need from you is a little bit of your time to know your details.

With your information and a market comparison of funeral insurance, we can without a doubt tell you which business will provide the best insurance plan, regardless of when you had your ICD, whether you have other critical illnesses, or whether you recently underwent surgery.

Talk to us now! We promise you a simple no non-sense interview process with no pressure at all whatsoever.



People's Burial Insurance The use of a defibrillator is crucial for those with heart issues. Finding reasonably priced burial insurance might be challenging, but it doesn't have to be that way. We work with with you throughout the entire process to ensure that you are fully aware of your options when it comes time to choose funeral arrangements in the event that anything unanticipated occurs, and we provide a high-quality plan at our affordable pricing. Start now by completing this quote form or giving us a call.

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