The Truth about Blood Thinners and Burial Insurance

The Truth about Blood Thinners and Burial Insurance

September 27, 20239 min read

The safety of your family is paramount, which is why we're here to provide you with the information you need about burial insurance and taking blood thinners. When it comes to securing the right coverage, there are a few essential things you need to know to ensure you get the best possible price.

Can I Get Funeral Insurance While on Blood Thinners?

It is possible to obtain funeral insurance while using blood thinners, but it requires careful consideration. During the application process, insurance companies will evaluate your medical history and overall health. Although taking blood thinners alone may not disqualify you, insurers take into account several critical factors, including the reason for using them and your general well-being.

Insurers will ask about your underlying health conditions, medications, and medical history during the application process. You may still be eligible if you are taking blood thinners for manageable conditions like deep vein thrombosis or atrial fibrillation, and your health is stable. However, insurers may have specific rules or higher premiums for more severe conditions, such as a history of strokes or recent heart surgery.

To increase the likelihood of approval, it's crucial to provide accurate health and medication details on your application. Working with an independent insurance agent who is familiar with the industry can be beneficial, as they can help you navigate the process and identify insurers that are more accommodating when it comes to applicants on blood thinners. Shopping around, comparing quotes, and reviewing policy details can also help you find appropriate and reasonably priced coverage. Keep in mind that premiums can vary, and the use of blood thinners may impact rates and eligibility, but transparency during the application process and diligence are essential.


The Truth on How to Get the Lowest Price with Immediate Insurance Coverage When on Blood Thinners

To obtain affordable and immediate insurance coverage while taking blood thinners, there are a few critical steps you need to take. First and foremost, honesty is paramount when filling out the application. Providing accurate and comprehensive medical information is crucial, as withholding details may result in issues and higher insurance costs.

Collaborating with a knowledgeable independent insurance agent who is familiar with carriers that are more accommodating of blood thinner usage can be a valuable asset. Since different providers have varying underwriting guidelines, comparing quotes from multiple insurers can help you identify the most suitable and cost-effective options.

Additionally, you may want to consider term life insurance, which often has lower premiums than whole life insurance, to more reasonably meet your immediate coverage needs. Maintaining open communication with your healthcare provider and ensuring the accuracy of your medical records can also be beneficial when negotiating with insurers.

In conclusion, by approaching the process with integrity, seeking expert guidance, and carefully evaluating your options, it is possible to secure affordable insurance coverage while taking blood thinners. With diligent navigation, you can obtain the coverage you require within your budget.

How Do I Get Affordable Burial Insurance on Blood Thinners?

To help us determine which of our top-rated A+ insurance companies can provide you with the best policy offer, we'll need some additional information from you. It's important that you trust us and answer the questions honestly.

What blood thinners were prescribed to you?

What medications are you currently taking?

When did you begin taking blood thinners?

What other medical conditions or health issues do you currently have?

We need to understand your overall situation. At, we have in-depth knowledge of the underwriting details of our A+ insurance companies and how they may view your specific circumstances.

With the details you provide, we can easily identify which of our A+ insurance companies will offer the most favorable policy options for you.


Burial Insurance Companies and Their Strict Approach to Applicants Taking Blood Thinners

Due to the potential health risks associated with blood thinner use, burial insurance companies often approach applicants who are taking them with caution. Blood thinners can increase the risk of bleeding and complications during medical treatments or surgical procedures, even if they are necessary for managing conditions like deep vein thrombosis or atrial fibrillation. Given their risk-averse nature, insurers carefully evaluate applicants to minimize any potential financial liabilities.

In an effort to mitigate these risks, insurance companies frequently implement more stringent underwriting guidelines for individuals on blood thinners. This may involve more comprehensive medical assessments, including detailed medical histories, doctor reports, and, in some cases, specialist medical examinations. The purpose of these extensive evaluations is to obtain a complete understanding of the applicant's overall health and the degree to which their medical condition is under control.

As a result of this cautious approach, higher premium rates may be charged for those on blood thinners. Insurers may justify these higher premiums as a way to account for the perceived increased risk posed by the policyholder's medical condition and prescription medications. Furthermore, some insurance providers may impose waiting periods before providing full coverage, particularly for blood thinner-related pre-existing conditions. During this waiting period, the policyholder may only be eligible for limited benefits or coverage for a subset of medical expenses.

It's crucial for applicants who use blood thinners to be transparent and honest throughout the application process. Providing comprehensive and accurate details about their medical history, including their condition and prescription regimen, is essential. Additionally, consulting with knowledgeable independent insurance agents who specialize in assisting individuals with similar medical profiles can be highly beneficial. These representatives can help identify more flexible insurance providers and offer valuable insights on navigating the challenges posed by blood thinners when securing the necessary funeral coverage.


Blood Thinners and Final Expense Insurance Underwriting Medications

Strict final expense insurance companies closely monitor the use of the following blood thinners:

Apixaban (Eliquis) Dabigatran (Pradaxa) Edoxaban (Savaysa) Fondaparinux (Arixtra) Heparin (Fragmin, Innohep, and Lovenox) Plavix (Clopidogrel) Rivaroxaban (Xarelto) Ticlid (Ticlopidine) Warfarin (Coumadin, Jantoven)

Many burial insurance companies are highly selective about approving final expense insurance for applicants on blood thinners. Most will have their own specific guidelines on how to categorize and evaluate these applicants.

Typically, they will examine when an applicant has filled a prescription for any of the aforementioned blood thinner medications. The final expense insurance policy offer will depend on the length of time an applicant has been taking blood thinners or the duration since their last prescription was filled.

What Will Disqualify You from Life Insurance on Blood Thinners?

Other Insurance Companies' Policy Offers to Applicants Taking Blood Thinners

  • Higher monthly premium: The policy may not have immediate insurance coverage (waiting period) and will likely come with a higher price to compensate for the perceived risk, according to the insurance company's strict guidelines regarding blood thinners.

  • Higher monthly premium with a modified waiting period: This type of final expense insurance policy features a higher monthly premium and pays a discounted death benefit (30% to 70%) for a minimum 2-3 year waiting period until the full death benefit is paid, unless the death is accidental. This is the most common offer from insurance companies that are strict with blood thinners.

  • A bit lower monthly premium with lower benefit payout: In this scenario, the monthly premium may be slightly lower, but the death benefit payout will also be lower, depending on the maturity of the policy.

These are the carriers you should avoid:

Some companies offer coverage as units, where the coverage drops yearly, but the rate stays the same. They rely on policyholders becoming complacent, and when their family needs it the most, the benefit is only a fraction of what was initially promised. Carriers known for this practice include Colonial Penn and AARP.

How We Can Find the Best Final Expense Policy Offer for Applicants Taking Blood Thinners

At, our founder has over 26 years of industry experience. He has assisted hundreds of clients taking blood thinners in obtaining the lowest-cost final expense insurance with immediate coverage from day one.

We exclusively work with top-rated A+ burial and final expense insurance companies that offer the best coverage. You can expect the most affordable monthly premiums, and many of the carriers we represent will provide additional innovative benefit features at no extra cost.

Based on the information you provide, we will expertly evaluate all of our top A+ final expense insurance companies that are more lenient towards blood thinners and offer you a level policy with the lowest price and immediate insurance coverage for your burial or final expense needs.


Guaranteed Issue Policy and Blood Thinners

If, for some reason, you are unable to qualify for a level benefit final expense insurance policy (and you may already know this), we can immediately secure you a guaranteed issue life insurance policy without any questions about your health or medication history.

Our passion is to provide EVERYONE in need of affordable burial or final expense insurance with top-rated, first-class insurance companies. There will be no nonsense requirements, and the application process will be simple and easy, with same-day approval in less than 30 minutes!

For more information on blood thinners and how they may impact your final expense insurance options, please don't hesitate to reach out to us. We are here to guide you through the process and help you find the most appropriate coverage for your unique situation.


Protecting your loved ones from the financial burden of end-of-life expenses is essential. Burial insurance can be a valuable tool for many Americans, but those with pre-existing medical conditions may face challenges in securing traditional coverage.

Blood thinners are often prescribed by doctors after heart surgery or other procedures that carry a risk of blood clotting, as they help prevent clots that could lead to an embolism or stroke. If you're taking blood thinners and considering burial insurance, it's crucial to understand how your condition may impact the application process and the policy options available to you.

At, we have the expertise and knowledge to help you navigate the complexities of obtaining burial insurance coverage while taking blood thinners. We'll work closely with you to assess your specific situation, identify the most suitable insurance providers, and secure the coverage you need at the best possible price. Contact us today to learn more and take the first step towards safeguarding your family's future.

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