Understanding Burial Insurance with PVD or PAD: Essential Insights

As you age, establishing a funeral and burial plan becomes increasingly important. Burial insurance can help cover the costs associated with these arrangements, among others.

But what if you're already dealing with a medical condition like peripheral vascular disease (PVD) or peripheral artery disease (PAD)? Can you still secure funeral insurance?

The good news is that most insurers will still offer coverage even if you have PVD or PAD. These conditions are manageable with medication and lifestyle changes.

Read on to discover more about how this affects your eligibility for coverage and the associated costs.

Burial Insurance With PVD or PAD: What does it cover?

Peripheral vascular disease (PVD) encompasses a range of conditions affecting blood vessels outside the heart or brain. Conversely, peripheral artery disease (PAD) specifically targets arteries in the legs, causing mobility issues.

Burial insurance policies tailored to individuals with PVD or PAD help cover funeral expenses in the event of death. These policies can assist with funeral, burial, and related costs.

Typically, such policies require monthly premiums to maintain coverage. Additionally, there's usually a deductible amount that must be met before benefits are paid out. The benefit amount often increases with age.

Some plans offer supplementary coverage for burial plots and cremations, ensuring your loved ones are financially prepared for unexpected events. Moreover, managing blood pressure can help mitigate symptoms of PAD.

Potential signs may include:

• Leg pain, numbness, tingling, or cramping

• Persistent wounds that do not heal

• Delayed healing of foot, leg, or toe injuries

• Pain or discomfort during arm or leg movement

• Weakness or discomfort in fingers, hands, or toes

Why Choose a BestBurialPolicy.com Policy with PVD or PAD?

• Affordability: The premium for this policy is reasonable compared to other burial insurance plans, offering cost savings compared to traditional funeral or burial services.

• Guaranteed Death Benefit: Rest assured, the death benefit is guaranteed, ensuring coverage for your expenses regardless of inflation or other factors affecting prices over time.

• Easy Application: Applying for and purchasing the plan online is quick and straightforward, requiring only a few minutes and basic personal information.

• Flexible Coverage Options: Choose from three coverage options: $10,000, $25,000, or $50,000, with additional benefits such as coverage for funeral expenses up to $100 and the option for accelerated benefit payment (APO).

• Customer Support: Access a toll-free number with live representatives available 24/7 for assistance with policy inquiries or claim filing, providing peace of mind and support during challenging times..

Best Insurance Policy Option for Individuals with a History of PVD

Early-Stage PVD:

For those with early-stage peripheral vascular disease (PVD), a level death benefit plan with first-day coverage is often the most suitable option. This type of life insurance provides instant coverage, ensuring that benefits are paid out immediately upon the insured's passing and continuing until they reach the age of 100 or 105 (depending on the carrier).

It's crucial to secure an instant pay policy as soon as early-stage PVD is diagnosed to avoid any gap between diagnosis and passing. Delaying could result in missing out on substantial death benefits.

Advanced PVD: If the condition progresses to the point where surgery or other treatments are necessary to manage symptoms, life insurance with accelerated benefits may be more appropriate. This type of insurance covers medical expenses until a specified age or period after the diagnosis. Once the disease advances beyond this stage, the accelerated benefit is paid out as a lump sum to cover additional expenses related to extending life expectancy.

Advanced-Stage PVD:

Common procedures for treating PVD or PAD include:

Angioplasty:

During this procedure, a balloon is inserted into an artery to open the passage and improve blood flow through the narrowed area.

Bypass grafting:

In this surgery, a healthy artery from another part of the body is connected to the blocked artery to bypass the obstruction and restore blood flow to the affected region.

Stent implant:

When an artery becomes narrowed due to plaque buildup or other factors, a stent is placed inside the artery to support its structure and maintain adequate blood flow.

The timing of your surgery to address your condition can determine your eligibility for different types of burial insurance.

Surgery was over 24 months now:

For individuals who underwent cardiovascular surgery more than two years ago, a level death benefit plan with first-day coverage is often the most suitable option. This ensures comprehensive coverage from day one at affordable premiums. Contacting a burial insurance provider can help you find a plan with competitive rates, providing peace of mind with immediate coverage and the option for future surgical procedures if needed.

Surgery within the next year:

If you have undergone surgery within the last 12 months, you may qualify for a first-day benefit plan. Typically, no insurer would offer this benefit within a year of treatment, but you may be eligible for immediate coverage starting from the first day of the plan. Your death benefit will gradually increase over time, ensuring financial protection for your loved ones.

What does Burial Insurance with PVD or PAD cover?

Funeral and burial costs: Given the potential health complications like heart attacks and strokes associated with PVD and PAD, this coverage addresses the expenses related to your funeral and burial upon diagnosis of PVD or PAD.

Legal costs in case of litigation: This coverage takes care of legal expenses incurred if you face a lawsuit due to injuries caused by PVD or PAD.

Funeral support: Funeral expenses are fully covered up to the policy limit, encompassing burial expenses, funeral home charges, and transportation of the deceased.

Cemetery and headstone/monument expenses: Expenses such as opening and closing fees at the cemetery, along with headstone/monument costs including engraving fees (up to $500 per name), are covered up to a maximum of $3,000 under this benefit.

Medical expenses for PVD or PAD treatment, including doctor visits and hospital stays: This coverage includes medical expenses related to managing symptoms or indications of PVD or PAD, covering prescriptions, physical therapy sessions, and ambulance transportation, among others.

How does Burial Insurance With PVD or PAD work?

Upon the policyholder's demise, they receive a lump sum of money to assist with funeral and burial expenses, having paid a premium in exchange.

In the event of your passing before the policy term concludes, PVD ensures a lump sum payout equivalent to the total premiums paid plus any accrued interest.

Similarly, if your demise occurs while the policy is active, PAD provides a lump sum payout equal to the total premium payments, minus any accrued interest.

It's worth noting that certain medical conditions, such as kidney disease, may impact the carrier's coverage.

What advantages do PVD or PAD offer when purchasing an InsuranceForBurial policy?

What are the benefits of purchasing a BestBurialPolicy.com policy with PVD or PAD?

Choose between an Individual Funeral Plan or an Estate Funeral Plan, both customizable to suit your needs by selecting coverage levels and adding extras like pre-need planning.

• The flexibility to increase your coverage amount at any time, up until the date of death!

• Introducing living benefits such as hospice care, home health care, nursing home care, and more. These living benefits enable you to receive reimbursements for medical care during life rather than after death.

• A cash value account where we deposit all timely premium payments (with a guaranteed interest rate for life). You can add optional features at any time without affecting your current coverage or rates!

• Aside from being cost-effective, our burial plans offer numerous additional benefits, including:

• No requirement for a medical exam;

• No minimum health criteria;

• Coverage for pre-planned funerals;

• Open enrollment periods;

• Optional riders for added coverage options such as cremation, burial accessories, and more;

• Our burial plans are available nationwide, allowing you to purchase conveniently online or over the phone!

What Information Do We Need If You Have PAD or PVD?

None. Burial insurance is accessible for individuals with peripheral vascular disease (PVD) or peripheral artery disease (PAD) without the need for a medical examination.

When applying for funeral insurance, only a few simple health-related questions need to be answered. There's no requirement for medical records, blood tests, or urine samples during the application process. Typically, formal approval from the insurance company can be obtained in just a few minutes!

Burial Insurance Underwriting With PAD or PVD

What types of information do insurance companies typically request during the underwriting process?

• Typically, you'll be asked about your health history and any past or current medical conditions.

• The company may also inquire about your history of prescription medication use.

These inquiries help the company assess your risk of developing specific conditions like PAD or PVD.

Health Concern:

To tailor their offerings to your specific needs, most burial insurance providers will inquire about your medical history.

While the questions may vary among providers, here are some common ones regarding peripheral vascular disease (PVD):

• Have you ever received a diagnosis of peripheral vascular disease? If so, what type?

• Do you experience any symptoms of peripheral vascular disease? If yes, please describe the symptoms and their frequency.

• Have you ever been diagnosed with peripheral artery disease or peripheral vascular disease?

• Have you undergone surgery in the past? If so, when and what was the nature of the procedure?

• Do you currently take any prescription medications for peripheral vascular disease? If yes, please provide details of all medications and their daily dosages.

While the symptoms of vascular parkinsonism (VP) may resemble those of classic forms like symmetrical lower-body Parkinson's disease, a key distinction is that individuals with VP often exhibit normal pyramidal signs.

Review Prescription History:

Burial insurance providers conduct a review of your prescription history to ensure that there are no preexisting conditions that would hinder the fulfillment of your policy's benefits.

The etiology of your peripheral vascular disease (PVD) will determine your treatment course. Medications can help reduce the risk of atherosclerosis in the arteries.

Common medications for PVD or PAD include:

• Atorvastatin: This medication lowers cholesterol levels by inhibiting the HMG-CoA reductase enzyme, which regulates cholesterol production in the liver.

• Aspirin: Regular use of aspirin can help prevent blood clots from forming in the legs. It has mild blood-thinning effects.

• Clopidogrel: By blocking platelet ADP receptors, clopidogrel reduces platelet aggregation and prevents blood clot formation in the arteries of the heart or brain.

• Cilostazol: By increasing levels of the phosphodiesterase III enzyme, cilostazol improves blood flow by relaxing artery muscles.

• Naftidrofuryl Oxalate: This medication dilates arteries in the legs and feet, improving blood flow and reducing platelet aggregation to prevent blood clot formation.

• Dipyridamole: Dipyridamole increases blood flow by increasing heart rate and reduces platelet aggregation to prevent blood clot formation in arteries.

• Pentoxifylline: Pentoxifylline widens arteries in the legs and feet to improve blood flow and reduces platelet aggregation to prevent blood clot formation.

What Information Do We Need If You Have PAD or PVD?

To determine the most suitable insurance provider for your peripheral vascular disease, we will inquire about your health and lifestyle.

Your responses are vital as they guide us in identifying the ideal insurance company for your specific needs.

• When were you first diagnosed with peripheral artery disease (PAD) or peripheral vascular disease (PVD)?

• How old were you at the time of diagnosis?

• Have you undergone any treatments or procedures for PAD or PVD? If so, please provide details.

• Is there a family history of PAD or PVD?

• What was your level of physical activity before diagnosis, and how has it changed since then?

• Are you currently receiving treatment for this condition?

• If yes, what type of medical treatment do you receive?

• Which prescription medications do you take for PAD or PVD?

• How frequently do you visit a doctor for PAD or PVD?

Providing comprehensive information about your medical history enables us to offer tailored advice and increases our ability to find affordable insurance coverage that meets your needs.

How much does Burial Insurance with PAD or PVD cost?

Burial insurance, a form of life insurance, covers funeral and burial expenses. The cost of burial insurance varies depending on the insurer, your age, desired coverage level, and other factors.

For instance, burial policies can range from $1,500 to $100,000 based on the coverage amount you select. Typically, premiums are higher for individuals in their 20s or 30s compared to older individuals.

Moreover, if you have a family history of illness or premature death, your premiums may increase.

Depending on your chosen coverage level, burial insurance costs can range from $2,000 to $10,000 or more annually.

How To Find The Best Burial Insurance With PVD or PAD?

Securing suitable coverage for you and your loved ones when dealing with PVD or PAD can pose challenges. Some insurers may not offer coverage for these conditions, leaving individuals to navigate expenses on their own.

Ensuring you have optimal protection is paramount if you have PVD or PAD. This entails finding an insurer who can tailor coverage to your needs at a reasonable cost, considering your financial circumstances.

At BestBurialPolicy.com, individuals with peripheral artery disease (PAD) or peripheral vascular disease (PVD) can access tailored coverage options!

Numerous individuals grappling with PVD or PAD have benefited from our expertise in sourcing the best burial insurance plans currently available.

As an independent insurance firm with seasoned specialists and access to top-rated A+ agencies nationwide, we offer premium policy selections, including advanced options like final expense insurance.

Our team is dedicated to helping you secure the finest final expense plan. We ensure to find coverage that aligns with your needs and budget, regardless of any health concerns you may have.

With our in-depth knowledge of underwriting requirements and premiums from leading burial and final expense insurance providers, we pride ourselves on offering comprehensive assistance.

No matter your medical history or existing conditions, we can determine the best insurance plan with minimal information from you.

Feel free to reach out to us without hesitation; we're here to guide you in obtaining the coverage you need at the most competitive rates.

Final Thought

An excellent way to ensure that your loved ones will be provided for after your passing is through burial insurance with PVD or PAD. This type of insurance is more affordable than traditional life insurance policies and can help cover your burial or cremation expenses.

Apply online today to receive a free quote and explore the most competitive rates.