Life insurance products often require applicants to qualify by completing a medical exam, then answering some medical questions. The medical exam may eliminate people with chronic conditions, such as those with heart conditions, cancer, and severe hypertension. Therefore, many people instead opt to purchase low-cost burial insurance instead.
Burial insurance is easier to access, making it possible for people with adverse health conditions to secure some form of life coverage. If you have hypertension and want to learn how you can qualify for low-cost burial insurance, this is what you need to know.
What Causes Hypertension
Hypertension, or high blood pressure, is defined as a condition that causes blood pressure to remain too high, even in states of rest. There are many conflicting opinions on exactly what causes hypertension, so you should make sure you understand what the current standard medical opinion is.
As of now, experts believe that a diet high in salt, fat, and/or cholesterol is the leading cause of high blood pressure. Health conditions may also cause hypertension. For example, certain kidney conditions, as well as kidney and hormone problems can cause hypertension in some people. Likewise, diabetes and high cholesterol can result in high blood pressure, especially in overweight people.
Although this factor is often overlooked, high blood pressure can often be tied to family history and genetics. If your parents or other relatives suffer from hypertension, you may be prone to the disease. If you’ve noticed that many of your family members have been diagnosed with hypertension, it may be a good idea to ask a healthcare professional to provide you with an exam.
They can quickly test your blood pressure to determine if you are suffering from hypertension. Once you’ve found out whether or not you have high blood pressure, you have the choice to begin working to reduce or end the symptoms.
Medications That May Be Considered
If you are taking one of the many high blood pressure medications that are out there, your insurer may need to take note of that. While this may not result in any negative consequences, they will, at the very least, document that you are someone with high blood pressure. In most cases, this shouldn’t impact the approval process, but you should be aware of how insurance companies view you. That’s how you can secure the best price.
If you are curious about which high blood pressure medications will show burial insurance carriers that you have hypertension, these are some to look out for:
- Amyl Nitrate
Remember, just because your application lists that you have hypertension, you won’t be disqualified from receiving coverage. There are many different insurance companies that are willing to provide you with high-quality burial insurance, regardless of a hypertension diagnosis.
What Is Burial Insurance
There are many insurance products available publicly. Burial insurance is one such product. It is similar to traditional life insurance, except it normally has lower death benefits than whole life and universal life insurance policies. The death benefit of burial insurance policies typically ranges from $5,000 to $25,000.
Upon the death of the purchaser, beneficiaries are paid that amount. They are allowed to use the money for anything they like as well. This makes burial insurance perfect for ensuring that your family has money available to coordinate your burial and potentially cover expenses for a short period of time.
Do People With Hypertension Need Burial Insurance
If you have hypertension, you may be worrying that it could eventually lead to a fatal heart condition. That fear is possible to deal with, but how will your family replace your income if you suddenly pass away. Burial insurance offers people with hypertension, and all people, a safety net that will catch their loved ones if they happen to die unexpectedly.
Funerals are expensive, and you want to have the proper ceremonies conducted upon your death. If you don’t currently have adequate savings available, your family may be unable to pay for your funeral and burial. Many families cannot even afford a coffin, leaving them with cremation as an alternative option.
Even cremations can be costly, though, so you should always prepare in advance with burial insurance. In doing so, you can protect your family from the burden of paying your burial costs and ensure that you have the funeral ceremony and burial or cremation that you deserve.
Burial Insurance For People With Hypertension
Surprisingly, burial insurance is actually very easy to qualify for if your only diagnosis is hypertension. Frankly, high blood pressure will normally have no impact on your ability to qualify for a quality final expense life insurance plan.
Even if you don’t have control over your symptoms, you can still qualify for burial insurance in most areas. In fact, nearly all final expense insurance carriers will issue a policy with a minor death benefit. Depending on what other health conditions you’ve been diagnosed with, you may also be able to secure burial insurance at the lowest cost available.
If you are interested in saving on burial insurance even though you have hypertension, your best option is to work with an insurance company. An insurance agent will have the know-how needed to navigate the insurance marketplace and find you a low-cost burial insurance plan that provides adequate benefits that offer you comfort and security.
How Do Final Expense Carriers Underwrite Hypertension
Hypertension is rarely mentioned on final expense insurance applications. If you do see hypertension or high blood pressure listed in the health questions featured in a final expense carrier’s signup process, there wouldn’t be more than a handful.
Considering that hypertension is often not even mentioned in the health interview portion of the application process, it should be fair to conclude that most companies have no problem with selling coverage to people with hypertension.
Even people with stage 2 high blood pressure, which ranges higher than 180/110, can get affordable final expense insurance. So be honest if you are asked questions about high blood pressure and hypertension. Even if the company unexpectedly rejects you, there are certain to be many other carriers that will be willing to cover you.
Getting The Best Burial Insurance With Hypertension
If you want to find the best final expense insurance even though you have high blood pressure, you should search for coverage with the help of an insurance agent. Royal Neighbors of American can connect you with coverage that works for your life. They can help you compare plans and find one that accepts people with any other health conditions you may have.
Remember, you don’t want to settle on burial insurance. Confusing rules and hidden fees can spoil the experience of purchasing a product that is designed to provide peace of mind. Consult with the experts to determine which final expense plan is the best deal.
Cost For Burial Insurance With Hypertension
Burial insurance is far more expensive than traditional and term-life insurance. The real cost of a final expense insurance policy will vary from person to person, because carriers usually take age, gender, and health status into consideration when issuing coverage.
For the most part, burial insurance costs $30-$100 per month for people with or without hypertension. This is because hypertension isn’t likely to influence your rates significantly.
Cost Difference Between Burial Insurance For Male vs Female
As mentioned in the previous section, burial insurance varies in cost based on gender. Generally, males pay more for burial insurance than females. This is a common trend across other varieties of insurance because women are known to live longer on average in the U.S.
If you want to know how much women save on burial insurance compared to men, the average 45-year-old female pays $22 per month for no waiting period coverage with a $10,000 death benefit. A male at the same age would pay $27. That’s $5 more!
Though, it is clear why the insurance carriers charge more to their male customers. They are inherently taking on more risk when insuring a male beneficiary.
For reference, a 75 year old female would need to pay $71 per month for the average burial insurance plan with a $10,000 benefit. A male at that age would pay somewhere around $90.
Find A Low-Cost Burial Insurance Plan
It’s time to find the burial insurance plan you’ve been looking for. You now know that hypertension won’t impact your ability to get coverage, so why not start searching for a plan now. Contact us to start comparing the burial insurance plans that are available in your area.