Can You Buy a Burial Insurance Plan With a Heart Condition?
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.
Table of Contents
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.
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.
Steps to Take Before You Apply (So You’re Better Prepared)
Here’s how to get ahead of potential surprises:
Make a list of your medications – names, doses, and frequency.
Write down your heart history – e.g., “Heart attack in 2018, stent placed in 2019, stable since then under cardiologist care.”
Be honest on your application – If you leave things out, the company may deny the claim later or raise issues.
Compare multiple insurers – Because each carrier treats heart conditions differently, it’s wise to see multiple options.
Check the waiting period – Especially if your heart condition is recent, a graded or guaranteed issue plan may be your best starting point.
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:
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Florida’s insurance market has specific rules, some carriers available nationally may not offer the same product in Florida.
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Your county (Pasco, Hillsborough, Pinellas, Hernando, Citrus, Polk) can affect what carriers are available and what doctors you see.
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If you travel (snowbirding, visiting family out of state) you’ll want to check how the policy handles your death location.
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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.
Ready to speak
with your local agent?
You can schedule an In-Person appointment right now directly in our calendar below. Your local agent will come to you, you don’t have to leave your house.
If you need assistance using our online calendar, please call 813-539-0071 or email us at support@myphss.com
Q&A - You asked, we answered
If you can’t find the question you have, just email your local agent.
Yes it is, your quote will be based on the following:
- Gender
- Age
- Nicotine Use
- Zip Code
- Coverage Amount
For the purpose of this quote we do not ask any medical questions regarding your health. You will have to answer medical questions if you want to apply for any insurance product and your rates might change if you are unable to answer “no” to all the medical questions on the application. Please consult with your local agent if you have any questions regarding the medical underwriting requirements.
Call your local agent @813-539-0071
To make the most of your appointment with MyPHSS, it’s helpful to have a few key items ready. Whether we’re meeting in person or over the phone, being prepared allows us to give you the best advice based on your unique situation.
Here’s what to have on hand:
📄 Current insurance paperwork (including Medicare, supplemental, or Advantage plans)
🪪 Your Medicare card and state-issued ID
💊 A list of your prescriptions and over-the-counter medications
👩⚕️ Names of your current doctors, specialists, and medical facilities
❓ Any questions you’d like to ask—it’s easy to forget them during the conversation, so jot them down ahead of time!
Our goal is to make this process simple, personal, and stress-free. Whether you’re exploring new coverage, comparing plans, or looking for cost-saving options, we’re here to help every step of the way.
📞 Call your local agent @813-539-0071
📧 Email us at support@myphss.com
🌐 Visit www.myphss.com to learn more or schedule your appointment
We proudly serve the Tampa Bay area and offer assistance statewide by phone.
At MyPHSS, we are independent insurance brokers, which means we’re not tied to just one company. Instead, we represent all the major insurance carriers available in Florida, so you can compare options and choose the plan that’s right for you—not the one a company is trying to push.
We work with trusted names like:
UnitedHealthcare®
Humana®
Aetna®
Cigna®
BayCare®
Wellcare®
Transamerica®
Mutual of Omaha®
CVS® and more
Because every person’s needs are different, we focus on what’s best for you, not what’s best for the insurance companies. Whether you’re looking for a Medicare Advantage plan, a Medigap policy, a final expense plan, or dental coverage, we’ll help you compare side by side and choose with confidence.
📞 Call your local agent @813-539-0071
📧 Email us at support@myphss.com
🌐 Learn more at www.myphss.com
We proudly serve the Tampa Bay area—including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties—and offer statewide phone assistance anywhere in Florida.
Because we don’t need your number to give you a quote!
Other insurance agents ask for your number because they believe if they don’t have it, you will go to someone else and they will lose the sale. We don’t use sales tactics like that, if you can find a better price from someone else we want to you to go to them. Save money, that is the whole point of our business.
You can schedule and appointment by clicking here or calling your local agent directly @813-539-0071
Nothing, if you decided to buy a policy and we are the writing agent the insurance company will pay us a commission for that sale. The price of your policy does not change because of that.
At MyPHSS, we proudly serve seniors throughout the Tampa Bay area, including:
Pasco County
Hernando County
Pinellas County
Hillsborough County
Citrus County
Polk County
If you’re local, we can meet in person at your home for a no-pressure consultation. However, you don’t have to live nearby to get our help—we also assist individuals anywhere in Florida over the phone or by email.
Whether you’re in Miami, Orlando, Jacksonville, or a small town in between, our licensed agents can walk you through your Medicare and final expense options from the comfort of your home.
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Learn more at www.myphss.com
No matter where you live in Florida, MyPHSS is here to help protect your golden years.
Before COVID-19, we operated several local offices in the Tampa Bay area. Like many small businesses, we closed our doors during the pandemic and transitioned to working remotely for the safety of our staff and clients.
After restrictions were lifted, we found that our services ran just as smoothly—if not better—without the overhead costs of a traditional office space. By eliminating unnecessary expenses like rent and utilities, we’re able to focus more on serving our community and keeping costs down for our clients.
Today, your local MyPHSS agent can assist you over the phone, via email, or in person—right in the comfort of your own home, just like your plumber or electrician. It’s convenient, personal, and always pressure-free.
If you need to mail us something please use the following address:
13046 Race Track Rd #190 Tampa FL 33626
We proudly serve seniors across the Tampa Bay area, including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties.
Have questions or want to schedule an appointment?
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Visit us online at www.myphss.com
Most polices come with a 15 or 30-day free look period from the insurance provider. If you don’t like something we can cancel it for you. We are here to help you find what works for you.
At MyPHSS (Protecting Your Golden Years), we help Florida seniors feel confident and prepared for retirement by offering personalized insurance solutions and guidance—at no cost to you.
Our licensed local agents specialize in helping individuals age 60 and older navigate the often confusing world of Medicare and retirement planning. We offer in-home appointments in the Tampa Bay area or phone consultations for clients anywhere in Florida.
We can help you with:
Medicare Advantage Plans
Medicare Supplement (Medigap) Plans
Prescription Drug Plans (Part D)
Final Expense Life Insurance
Dental and Vision Plans
Long-Term Care Plans
Hospital Indemnity Plans
Fixed Annuities
As independent brokers, we represent all the major insurance companies in Florida, which means we work for you, not the insurance companies. You’ll get honest advice, clear explanations, and options that make sense for your health, lifestyle, and budget.
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Visit us at www.myphss.com
We proudly serve the Tampa Bay area—including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties—and offer remote help across the entire state of Florida.
For the Tampa Bay area, please contact your local agent at 813-539-0071
When you schedule an in-person appointment with MyPHSS, one of our licensed local agents will visit you at your home—at a time that’s convenient for you. Appointments usually last about 1 to 2 hours, depending on your questions and needs.
During your visit, we’ll take the time to explain your options and help you understand which Medicare or Final Expense insurance plans may be right for you. We typically focus on one product at a time to avoid overwhelming you—but if you’re curious about other plans, we’re always happy to discuss them.
There’s no cost, no pressure, and no obligation. We do not handle any payments, and we are not affiliated with any specific insurance company. Everything is reviewed on a secure tablet, and if you decide to enroll, any necessary paperwork or plan materials will be mailed directly to you from the issuing company.
Ready to schedule your free in-home visit? Call us at 813-539-0071 or email support@myphss.com today.
A phone appointment with MyPHSS is a convenient way to get expert help with your Medicare or Final Expense insurance options—without leaving your home.
One of our licensed local agents will call you at a scheduled time and walk you through everything step by step. We’ll take the time to understand your needs, explain your plan options clearly, and answer any questions you may have.
Phone appointments usually take 30 minutes to an hour, depending on your situation. Just like our in-person visits, there’s no cost, no pressure, and no obligation—we’re here to provide helpful information, not sell you something you don’t need.
If you choose to enroll in a plan, everything can be completed securely over the phone, and any materials you need will be mailed directly to you.
To schedule your free phone consultation, call 813-539-0071 or email support@myphss.com.
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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.
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Let’s protect your golden years with peace of mind and the right Final Expense or Medicare plan.
We are a locally owned family insurance agency that has been serving our community since 2012. As independent brokers, we don’t work for just one company. We shop around to find the most affordable plans in Florida based on your needs.
We proudly serve the entire Tampa Bay region, including:
Counties We Serve:
Pasco, Hernando, Hillsborough, Pinellas, Polk, Manatee, Sumter, Sarasota & Citrus
Popular Cities:
Tampa, St. Petersburg, Clearwater, Lakeland, Spring Hill, Brooksville, Dade City, Plant City, Inverness, and more
Whether you want to meet in person, over the phone, or online, MyPHSS is here to help you.