Make Appointment
Call Our Office
Email Us

Can You Buy a Burial Insurance Plan With a Heart Condition?

Can You Buy a Burial Insurance Plan With a Heart Condition by MyPhss

If you’re living with a heart condition and wondering whether you can still qualify for a burial insurance (also called final expense) plan, you’re in the right place. At MyPHSS, we help seniors in the Tampa Bay area every day who want to protect their loved ones from funeral and other final expenses, even when health issues are a factor. In this article, “Can You Buy a Burial Insurance Plan With a Heart Condition?“, we will explore all your options. 

Living in or around Pasco, Hernando, Citrus, Hillsborough, Pinellas, or Polk County? Then this article is for you. We’ll break down how burial insurance works for people with heart conditions, your options, and what you should ask so you feel confident in your decision.

I intend to answer most of your questions in this article, but if I miss anything, please email me at daniel@myphss.com, and I will answer it. 

Why It Matters for Tampa Bay Seniors with Heart Conditions

In our area, we have a broad range of hospitals, doctors, and specialists. Whether you see a cardiologist in Tampa or have follow-up care in Pinellas or Pasco, your health history (including a heart condition) plays a big part in choosing the right insurance.

What this means: If you’ve had a heart attack, heart failure, stents, or a pacemaker, these facts don’t automatically block you from burial insurance. But they do impact how the insurance company will view your application (and possibly how much you’ll pay or whether there’s a waiting period).

At MyPHSS, we help you understand how your heart condition fits into the insurance landscape and guide you toward the best possible match.

This is an ad for myphss with a heading that says " Your Local Medicare & Final Expense Agent who still make house calls" with an image of the agent and the companies contact info.

What Is Burial Insurance (Final Expense) — The Basics

Here are the key features in plain language:

  • It’s whole life insurance designed mostly for funeral, burial/cremation and other end-of-life expenses.

  • Coverage amounts typically range from $2,000 up to $50,000 (depending on carrier).

  • You’ll pay a set monthly premium that doesn’t increase (as long as you keep the policy).

  • When you pass away, your beneficiary receives a tax-free cash benefit they can use however they need, such as funeral costs, medical bills, travel, etc.

For many seniors here in Tampa Bay, it’s a simple way to have peace of mind and avoid burdening family members.

Can You Qualify if You Have a Heart Condition?

Yes! Many people with heart conditions can still qualify. The key is which insurer and which plan type, based on how your heart condition is managed.

Here’s what matters:

What they will ask/consider

  • The type of heart condition (heart attack, bypass surgery, stents, heart failure, arrhythmia, pacemaker).

  • When the event occurred (was it many years ago and you’re stable, or recent?).

  • How well managed you are (medications, doctor visits, no recent hospitalizations).

  • Other health issues that often go with heart conditions include diabetes, kidney disease, and lung disease.

  • Your age, tobacco use, and general health.

What the outcome might look like

Depending on the answers above, you could be offered one of the following:

  • A Level Benefit Plan: Full coverage from day one, if your condition is well managed and older.

  • A Graded Benefit Plan: There is a waiting period (typically 1-2 years) before full benefit kicks in; or partial benefit in those early years.

  • A Guaranteed Issue Plan: No health questions, but highest cost and typically a 2-year waiting period.

In short: Your heart condition doesn’t disqualify you automatically — it simply influences which plan type fits

What to Know About Cost and Waiting Periods

Because heart conditions are considered higher risk by insurance carriers, expect the following:

  • Monthly premiums will likely be higher than someone of the same age without heart issues.

  • If you choose a level benefit plan, you’ll pay more than someone in perfect health.

  • If you go with a graded or guaranteed issue plan, you may pay less up front but face a waiting period before full benefits apply.

The good news: Even a higher premium can still be affordable and very worthwhile — if it means your family isn’t left with a big bill.

We will email you a final quote by MyPhss

Steps to Take Before You Apply (So You’re Better Prepared)

Here’s how to get ahead of potential surprises:

  1. Make a list of your medications – names, doses, and frequency.

  2. Write down your heart history – e.g., “Heart attack in 2018, stent placed in 2019, stable since then under cardiologist care.”

  3. Be honest on your application – If you leave things out, the company may deny the claim later or raise issues.

  4. Compare multiple insurers – Because each carrier treats heart conditions differently, it’s wise to see multiple options.

  5. Check the waiting period – Especially if your heart condition is recent, a graded or guaranteed issue plan may be your best starting point.

  6. Ask about future review – Some carriers allow you to move to level benefit later if you remain healthy.

Local Considerations for Tampa Bay Area Residents

When you live in Tampa Bay, your service area matters. Some of the things to keep in mind:

  • Florida’s insurance market has specific rules, some carriers available nationally may not offer the same product in Florida.

  • Your county (Pasco, Hillsborough, Pinellas, Hernando, Citrus, Polk) can affect what carriers are available and what doctors you see.

  • If you travel (snowbirding, visiting family out of state) you’ll want to check how the policy handles your death location.

  • Working with a local broker like MyPHSS means you get someone familiar with Florida-approved carriers, local underwriting practices, and who can sit down with you in person or over the phone.

How MyPHSS Can Help You

Here at MyPHSS, we’re not just another call center, we live where you live right here in the Tampa Bay area, and we’ve helped many people with heart conditions find the right burial insurance plan. Here’s how we work:

  • We listen: We go through your heart history, medications, and health in a simple conversation.

  • We compare: We pull quotes from multiple carriers that work in your county (Pasco, Pinellas, Hillsborough, Hernando, Citrus, Polk).

  • We explain in plain language: No confusing jargon, just clear choices, benefits, and costs.

  • We find the right fit: “Right” means a plan you can afford, a company you trust, and coverage your loved ones can count on.

  • You can schedule an appointment right here for a day and time that works best for you. 

 

Pick a time that works best for you

📍 Local, Personal Service in Tampa Bay

At MyPhss, we’re not a call center or some out-of-state company. We are licensed local brokers who live and work right here in Tampa Bay.

Contact Us Today

Whether you’re new to Medicare or considering switching your plan, or you are looking for a fair and competitive quote for a Final Expense / Burial plan, we’re here to help you every step of the way.

📞 Call our office at (813) 328-4664
📧 Email us at support@myphss.com
🌐 Visit us online at MyPHSS.com

Let’s protect your golden years with peace of mind and the right Final Expense or Medicare plan.

We serve clients in:

  • Pasco County: New Port Richey, Dade City, Zephyrhills, Land O’ Lakes

  • Hernando County: Spring Hill, Brooksville

  • Pinellas County: Clearwater, Largo, St. Pete, Tarpon Springs

  • Hillsborough County: Tampa, Brandon, Plant City, Lutz

  • Polk County: Lakeland, Winter Haven, Bartow

  • Citrus County: Inverness, Crystal River, Homosassa

Whether you want to meet in person, talk on the phone, or do everything online, we make it simple. There’s no cost, no pressure, and no obligation — just honest help.

Facebook Phone-alt Mail-bulk Home
Tagged , , , , , ,