If your only health condition is a blood clot, fill out our quoter or give us a call to see quotes. Keep in mind, if you have other health conditions this may change the price. Either way, we can get you approved for coverage in minutes.
Some people looking for burial life insurance have a hard time finding a company that will; offer them good rates or a policy with no waiting period.
This is because you are looking in the wrong places!
The truth is, every company underwrites health conditions differently. If you want to find the best rates after a blood clot, we can help!
In this article we are going to go over all of your coverage options and ways to save the most money on your insurance after a blood clot.
Table Of Contents
- How Insurance Companies Underwrite Blood Clots
- Other Health Conditions
- Circulatory Surgery
- How To Find The Best Rates
How Insurance Companies Underwrite Blood Clots
The truth is, some companies will deny you coverage for a recent blood clot. Others will raise your rates or offer a waiting period.
But there are companies that do not ask about blood clots whatsoever, and offer you rock bottom rates as if you never had one.
Blood clots on their own are not a life threatening condition. So if you only have a blood clot, most insurance companies will offer you great rates.
You just need to know where to look.
Other Health Conditions
Unfortunately, most people who have blood clots have another health condition such as a recent heart attack, stroke, aneurysm or other heart condition.
It is important to note each insurance company will react differently to each health condition. If you have accompanying health conditions with your blood clot, it becomes more complicated to find the best rates.
Luckily, we at Seniors Mutual are experts at looking through all of your health conditions to find the best price.
For example, if you had a blood clot that led to a minor stroke (TIA) all companies except one will only offer plans with a waiting period. If you work with an agency that doesn’t have access to this company you are out of luck!
We must go over your complete health profile to find the best carrier and rates for you.
Either way we can get you approved for coverage in minutes!
Another thing that every insurance company will check is your prescription history.
While your health conditions might be minor, certain medications can be red flags to certain insurance companies, and can jeopardize your approval.
Below are some of the common medications people take for blood clots, among other uses. Keep in mind if you are taking one of these medications that is okay, we just need to go over all of your medications to make sure.
- Apixaban (Eliquis)
- Betrixaban (Bevyxxa)
- Dabigatran (Pradaxa)
- Edoxaban (Savaysa)
- Fondaparinux (Arixtra)
- Rivaroxaban (Xarelto)
These medications are very common and nothing to worry about for some of the key companies that accept people with blood clots.
If you underwent circulatory surgery for a blood clot this is very serious for every insurance company. The key with any circulatory surgery is how long ago it happened.
If your circulatory surgery was over 3 years ago, pretty much every company will not care about the surgery anymore and offer the best rates.
However, if it has been less than 3 years since the surgery your options narrow. The minimum amount of time since circulatory surgery to get level coverage with no waiting period is 1 year ago.
If you just had circulatory surgery recently you can still get coverage at very good rates, but it will come with a partial waiting period.
How To Find The Best Rates
The truth is, for any type of life insurance, including final expense burial life insurance, you must work with an independent agency that has access to lots of carriers to find you the best rates.
Unfortunately, a lot of people out there have policies that they are paying too much for, have a waiting period, or does not pay out to their family what they think it will.
That does not happen with Seniors Mutual clients.
We are experts in insuring seniors for their final expenses. To find the best rates available we will go over all of your coverage options to find the best policy that fits your unique needs and budget.
Give us a call today or fill out our quoter and we will be in touch to get you approved for a policy within minutes!