Last Updated on October 21, 2018 by lifepolicyshopper
Qualify For a Burial Policy With Congestive Heart Failure
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You may qualify for a state-regulated program to pay for your final expenses. It is important you know how to qualify for this life insurance benefit available to you. This benefit will pay for 100% of all funeral expenses up to $35,000. This payment is tax free for Virginia residents. You are entitled to receive no-cost information as a resident of Virginia. IMPORTANT – Return this postage paid card within 5 days.
You may have received one of these post cards in the mail. It’s not a scam. It may have come from one of many outreach programs that I use to reach seniors that need state regulated final expense life insurance programs and burial plans.
Many seniors that receive these cards do not have a dedicated amount for their funeral or final expenses. It’s possible you’ve recently checked into the pricing on what you currently have and want to see if you can find more benefits than what you currently have in place. Or lastly you might want to leave behind a legacy like income for a surviving spouse, money for grandkids, or to a charitable organization or church.
These 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. You 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.
Congestive Heart Failure
Congestive heart failure is a condition in which the pumping ability of the heart is progressively impaired to the point that it no longer meets bodily needs. When blood flow from the heart slows, blood returning to the heart backs up and causes congestion in the tissues. Circulatory congestion may occur in the systemic venous circulation, resulting in peripheral edema in the legs and ankles. Alternately, the congestion may occur in the pulmonary circulation, causing pulmonary edema, an acute, life threatening condition. Heart failure also limits the kidneys’ ability to dispose of sodium and water, which further increases edema.
Left ventricular failure may be manifested as dyspnea and fatigue and will result in primarily pulmonary symptoms. Right ventricular failure may cause distended neck veins and hepatomegaly and is more likely to result in systemic symptoms. Symptoms of advanced congestive heart failure may include tachypnea, palpitations, edema, weight gain, diaphoresis, and cyanosis. As the disease progresses, there may be hemoptysis, cyanosis, and pitting edema in which an indentation in the skin remains a few minutes after the area is pressed with the finger.
The goal of treatment is to improve the heart’s pumping function, relieve symptoms, and improve the quality of life. Treatment may involve the use of diuretics to reduce circulatory congestion by reducing total blood volume. Bed rest may be recommended. Drug therapy may include vasodilators and digoxin to strengthen heart action. Salt intake may be restricted to combat edema.
Finding a Policy at the Best Value
When you have been diagnosed with congestive heart failure and looking for a small whole life policy also called a burial policy or burial plan there are carriers that offer a preferred rate depending on when you have been diagnosed and what treatment you are receiving. If you are inside 24 months from the diagnosis and treatment event it’s likely we will place you in a graded (40/75/100) plan. If you’re outside 24 months from treatment you should not have a problem finding a small whole life policy at a preferred rate.
Whole Life Insurance
Although term life insurance looks cheaper when you request free quotes, the whole life insurance quotes you get are much better. With whole life you are covered for as long as you live and keep paying the premiums. In whole life insurance quotes, the cost of the policy is stretched over a longer period of time, so you are actually paying less in monthly premiums.
If you want to have a period of time when you don’t have to pay any premiums, you can have the whole life insurance quotes calculate the premiums to a certain age. Most people like to have the premiums spread over a 30 year life insurance because this is usually their working life. Then they can enjoy retirement knowing that they do have whole life insurance and don’t have to pay any more premiums.
Even though the lowest life insurance rates are for term life insurance, if you get whole life insurance quotes at an early age, the cost will be very similar. There are added benefits to getting whole life as opposed to term life. Once you have the whole life insurance policy in place, it won’t run out at the end of the term leaving you without life insurance.
if you can’t afford a high payout with whole life insurance quotes, you can choose a lower death benefit and upgrade when you can afford it. This gives you the best life insurance for your whole life at the lowest life insurance rates. You should buy what you can afford. The difference between a policy that pays out $100,000 and another that pays $125,000 is very little when it comes to the monthly premium. When you are comparing the quotes choose the highest possible payout for the lowest rates.
You’ll never know how much life insurance you can afford if you don’t look around. With the online whole life insurance quotes available, life insurance protection for your family is only a click away.