How To Qualify And Save On Burial Insurance While Using Blood Thinners
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Many people think they are denied coverage or have to pay more for final expense life insurance if they are taking blood thinners.
The reality is there are respected companies out there that take people who are on blood thinners, you just need to know where to look.
In this article we are going to show you top ways to save on burial insurance and how to find the best rates available to you.
Table Of Contents
- How Insurance Companies View Blood Thinners
- Other Health Conditions
- How To Find The Best Rates
How Insurance Companies View Blood Thinners
Every insurance company will have different underwriting for blood thinners. What’s most important to the insurance company is WHY it was prescribed.
Many times blood thinners are prescribed after a heart or circulatory event, in which case the event will matter most to the insurance company.
No matter what your blood thinners were prescribed for, they are a caution to any insurance company to insure you. Once they know why it is prescribed, a few companies will still offer rock bottom rates with day one coverage.
What also matters to every company is the type of blood thinner. Not all medications are created equal after all.
Every medication means something different to each company!
As you can see, it can get pretty complicated when it comes to burial insurance on blood thinners. We are here to help!
If you have blood thinners with no other serious health conditions, we have plenty of companies that we can get you approved for in minutes.
Other Health Conditions
Many times when people are taking blood thinners they have other serious health problems.
This is where you can go wrong working with another agency or company.
The best way to find the best rates available is to work with an independent agency that has access to many different companies.
While some companies don’t care if you take blood thinners for a heart attack 6 years ago, others will.
While some companies will deny you coverage on blood thinners because of a TIA, others will offer rock bottom rates.
We have access to all of the top companies out there so no matter what health conditions or medications you are taking, we can find a company that accepts that condition.
That being said, it is important to go over with us all of your health conditions to see which company will offer the best deal. If you don’t want to go over any health questions, no health questions plans are available but they will be slightly more expensive.
You can find out more about no health question plans here.
Now, you might be wondering if you are even on blood thinners. Luckily, the list is pretty clear to insurance companies.
If you are taking any of the below medications, the insurance company will deem you on blood thinners. Again, this might not change anything about your coverage, it just depends on the company.
- Apixaban (Eliquis)
- Dabigatran (Pradaxa)
- Edoxaban (Savaysa)
- Heparin (various)
- Rivaroxaban (Xarelto)
- Warfarin (Coumadin)
Keep in mind there are many companies that are fine with all of these medications, even if you are taking multiple. You just need to know where to look!
How To Find The Best Rates Available
To find the best rates available, you must work with an independent agency that represents all of the top companies.
Unfortunately, many people buy the first policy they see on TV or from their local insurance agent. While these are not bad companies, you will be paying hundreds more a year than you have to!
For final expense burial life insurance, there is no difference in one payout from one company to another. They simply pay out the face amount upon your death. In other words, there is no difference in quality.
We have helped many clients over the years find the best rates available, even when they thought they couldn’t get any coverage whatsover!
Give us a call today or fill out our quote form and we will be in touch ASAP to get over with you all of your coverage options and get you approved for a policy in just minutes.