Qualify For a Burial Plan With Angina
Consumer Tip: There are no Internet or phone life insurance agents that can provide first day coverage if you have been prescribed certain medications like Nitrates and Isosorbide. The companies that accept these medications require a face to face application. We schedule short visits to complete an application with a local licensed agent that has access to these programs in your state.
Funeral costs continue to increase every day. Families are faced with the difficult task of saying goodbye to loved ones. Did you know that according to the National Funeral Directors’ Association – as of January 2013 the national median cost of an adult funeral with vault costs $8,343.00 with additional expenses? Additional expenses can include a cemetery plot. Many funerals exceed $10,000.00 dollars and that’s before any outstanding debts or medical bills.
Planning your funeral requires a careful consideration of all your final needs. Consider how you want to be remembered, where your final resting place should be, whether you wish to be buried or cremated and what type of casket or urn you prefer. A funeral director will give you a list of the services and products that it provides. The value of your final expense life insurance policy should cover the expense of the package you choose, plus any additional costs.
The most basic, economical option is generally an immediate burial plan. An immediate plan may include a modest service at the graveside and a simple casket. The expense of a viewing is not included in most immediate burial policies. The costs of the plot, a headstone and flowers must be paid for separately and should be included in the estimate of your final expense.
A traditional full service option, including a viewing, a hearse, a formal ceremony and entombment and cremation is more costly than an immediate or direct package. When you consider the costs of a package, you must take every extra expense into account in order to arrive at an accurate estimate of your financial expenses.
Angina pectoris is uncomfortable squeezing, pressure, fullness, or pain in the chest resulting from ischemia to a part of the myocardium. It is identified in three forms:
Stable angina is predictable and usually occurs during times of stress or exercise.
Unstable angina is unexpected, may occur at rest, does not readily respond to nitroglycerin treatment, and often signals a blood clot creating blockage of one of the coronary arteries. Unstable angina is a medical emergency.
Variant angina is spontaneous, usually occurs at rest, and often is the result of an artery spasm.
The classic signs of an angina attack are burning, squeezing, and tightness in the chest; these may radiate to the neck and the left arm and shoulder blade, generally after exertion. Women may have abdominal and back pain as well. Sometimes there is nausea and vomiting. Acute anxiety may accompany angina, especially in the person who is already aware of having a heart problem and is worried about whether this episode of angina is a precursor to a heart attack. An angina attack usually lasts less than 15 minutes and not more than 30 minutes; the average is 3 minutes.
Nitroglycerin preparations taken either sublingually or applied topically usually relieve anginal pain. Sedatives or tranquilizers may be prescribed. Vasodilators, beta blockers, and calcium antagonists may be prescribed. Calcium antagonists are especially useful in the variant form of angina. A coronary disease that causes disabling angina pectoris and does not respond to treatment may require a surgical procedure, such as percutaneous coronary intervention (PCI) with or without stent placement, minimally invasive heart surgery such as laser angioplasty or atherectomy, or coronary artery bypass graft surgery. Most life insurance carriers decline when they see nitrates. We have two (2) carriers that offer affordable 1st day coverage when nitrates have been prescribed. If you have been declined for life insurance, use the quote tool and we can help you.
Finding a Policy With The Most Benefits For Those on a Fixed Income
If you have been diagnosed with angina and are looking for an affordable whole life policy, we have carriers that offer a preferred rate. If you are inside 24 months from the last heart event it’s possible for you to get a plan at a standard rate. Once you’re outside 12 months you should not have a problem finding a small whole life policy at a preferred rate. Although some carriers never specifically ask about angina on their application, it’s possible to secure a preferred rate depending on the medication history. It’s important that you work with our network of agents that have access to the best programs available in your state.
These final expense programs have the following guarantees
1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. Your benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.
Caring For the Family Members you Leave Behind
Like most, you probably do not want to leave these financial burdens to your loved ones. Proceeds from a final expense life insurance policy pass to your beneficiary at the time of your death to help cover funeral or burial expenses, unpaid medical bills or other costs. Speak to us today to find out how one purchase can lead to a lifetime of peace of mind.
These costs can create a financial burden on family members, making this time even more difficult. Planning your funeral arrangements or how your loved ones will pay for your final expenses is not typically at the top of anyone’s to-do list. But could your family pay for these expenses without sacrificing their retirement and savings? If you’d like the comfort of knowing you are not leaving a financial burden to your family, plan for these costs by purchasing life insurance. A policy can protect your family from spending their hard earned savings on your final expenses. These whole life insurance policies offer you and your family lifetime protection with rates that never increase.
You’ll never have to worry about losing coverage. Even if your health conditions changes your rate is guaranteed for the rest of your life. An income tax free death benefit, money that passes to your beneficiary is generally income tax free. No required medical exams. Applying for one of these whole life insurance policies is quick and easy. Simply answer a few medical questions on the application with guaranteed qualification. Every applicant can qualify for coverage.