How to Apply for and get Funeral Insurance with an Aneurysm
Today we are talking about how to apply for and get funeral insurance with an aneurysm. Even if you have had an aneurysm in the past or currently have an untreated aneurysm it is possible to qualify for a life insurance policy through Choice Senior Life.
Aneurysms can occur at any age and seniors are not more or less susceptible to aneurysm. However if you have an aneurysm, it may grow in size with ageing. Most noteworthy though is that women account for more aneurysm cases than men.
Ruptured Aneurysm: The Worst Headache Of My Life!
Because aneurysms can rupture without warning and do not usually go diagnosed until after they have ruptured, funeral insurance companies are split on how they handle the seniors prospective funeral insurance with an aneurysm. Because 40% of ruptured brain aneurysm can be fatal with 60% of survivors dealing with brain damage, it stands to reason that a diagnosed aneurysm is going to be considered risky business by the funeral insurance company.
Funeral insurance policies are designed with lower benefit amounts ( between $3,000 and $25,000 ) for risky medical conditions and require no medical exams, the policy may be the right fit if you have a diagnosed aneurysm.
If you have had the diagnosis of an aneurysm and are interested in funeral insurance with an aneurysm, then there are few things you should know that may help.
Aneurysms are Risky Business
Funeral Insurance companies view aneurysms as a very risky condition in an applicant. In fact 1 in 50 people have an aneurysm and don’t even know it. 40 % of ruptured aneursims can be fatal. A rupture of an aneurysm is quite a rare event, and most people do not experience any symptoms prior to the rupture. If an aneurysm does rupture in the brain and causes damage it is especially critical to get immediate medical care. Call 911 right away. The ruptured aneurysm can lead to some very serious complications such as stroke, coma or death. Signs and symptoms of a ruptured aneurysm:
Headache that is very severe and painful that appears quickly
Blurry vision or double vision
Loss of consciousness
Sudden eye pain and pain behind the eye
Drooping eye lids
Sudden weakness and numbness
Risk Factors That May Contribute To A Rupture Of The Aneurysm.
- High blood pressure or hypertension
- Drug use
- Family history of aneurysms
- African-Americans at twice the rate of rupture of whites (a 2.1:1 ratio)
- Hispanics at nearly twice the rate of rupture of whites (a 1.67:1 ratio)
Aneurysm is a scary thing. You have a right to be concerned and maybe a little afraid. You are asking yourself if you can ever get funeral insurance with an aneurysm. The good news is that funeral insurance companies have different underwriting guidelines and not all life insurance companies look at aneurysm in the same way.
What does the funeral insurance company want to to know ?
The best funeral insurance companies will want to know 4 things before making an offer of life insurance.
- Where is the aneurysm located ?
- How long have you had this diagnosis ?
- Has the aneurysm been surgically repaired?
- Are you taking any medications to treat the aneurysm?
As a matter of fact here are several examples of the questions our top funeral insurance companies are going to ask about your aneurysm.
In the past 12 months, has the Proposed Insured been:
(a) advised by a physician to have a surgical operation, diagnostic testing other than for routine screening purposes or for those related to HIV/AIDS, treatment, hospitalization, or other procedure which has not been done or for which results are not known?
This questions does not specifically ask about your aneurysm, rather, it inquires about a procedure that has not been performed in the last 12 months. As a result, if your physician has advised you of your aneurysm in the last 12 months and wants further testing or tells you to have the aneurysm surgically repaired then you would not be eligible for funeral insurance with this company. If however your diagnosed aneurysm seems like it is not threat and further testing is not required, then probably your application for funeral insurance will sail through the system as a level policy with day 1 coverage.
In the past 12 months, has the Proposed Insured been medically diagnosed as having or been treated for:
Congestive heart failure or cardiomyopathy, stroke, aneurysm or sleep apnea; or been advised to have treatment for any drug or alcohol abuse?
The second funeral insurance question is very direct. It literally ask the question. In the past 12 months have you been diagnosed or treated for an aneurysm? It doesn’t matter what type of aneurysm.
- Cerebral Aneurysm
- Aortic Aneurysm
- Ventricular Aneurysm
Consequently it appears that the critical factor in deciding your funeral insurance plan is a 12 month diagnosis period.
Can you see the difference in how each question is worded a little differently?
Who are the best funeral insurance companies if I have an aneurysm?
Choice Senior Life will still be able to get your funeral insurance approved with a top life insurance company. We will definitely recommend a company that does not require a medical exam. As a result, no medical questions will be asked if your aneurysm diagnosis has been within a year. For the reason that your diagnosis was within the past year, the policy may have a lower benefit available, but at least your family will be covered against the potential of your unexpected passing.
Contact Choice Senior Life
Our advice here is to call Choice Senior Life to help us better understand your aneurysm diagnosis and present to you the right funeral insurance plan. A guaranteed issue plan may be right for you under these circumstances.