Final Expense Insurance With A Pacemaker Implant
last updated on November 22, 2025A pacemaker implant does not disqualify you from final expense life insurance. It changes how companies view your application, but it does not eliminate your options.
Final expense insurance is a simplified-issue whole life policy that pays a fixed amount to your beneficiary upon your death.
You are buying it to cover real bills, such as the median $8,300 cost of a funeral with viewing and burial, and the $6,280 median cost of a funeral with viewing and cremation in 2023, according to the National Funeral Directors Association (NFDA).
These numbers explain why most people with a pacemaker look for coverage in the $8,000 to $15,000 range or higher, so their family is not forced to scramble for cash at the worst possible time.
If your health is handled correctly on the application, your pacemaker is simply one more part of the underwriting picture, not an automatic problem.
(If you’d like to get answers before reading, call the Final Expense Guy directly at 888-862-9456)
PACEMAKERS DO NOT AUTOMATICALLY DISQUALIFY YOU FROM FINAL EXPENSE INSURANCE
Final expense underwriting is designed for people with medical conditions, including heart problems, arrhythmias, and cardiac procedures.
A pacemaker is treated as a sign that your rhythm has been managed, not a sign that you are uninsurable.
Companies look at why you needed the pacemaker, how long ago it was implanted, and whether it is functioning properly without repeated emergencies. If your device has been in place for a while and you have not had recent heart-related hospital stays, you are not usually in the “automatic decline” category.
Many applicants assume that any heart device means they must buy guaranteed acceptance life insurance with a 2-year waiting period.
That may be true for a smaller group of higher-risk cases
Most people with a pacemaker fall into simplified-issue underwriting, where health questions and overall health matter more than the pacemaker device alone.
MOST PACEMAKER USERS CAN STILL QUALIFY FOR FIRST DAY COVERAGE
First-day coverage means the full benefit is available from day one for natural and accidental causes, as long as the policy is in force.
For pacemaker users, the key is showing that your heart condition is stable and that the implant is not part of an ongoing crisis pattern.
Underwriting questions focus on recent events, typically in the prior 12 to 24 months.
If you’ve not had a heart attack, hospitalization for heart failure, or device-related emergency in the last one to two years, that usually moves you closer to first-day eligibility. The exact time frames vary by company and are controlled by each carrier’s filing with state insurance regulators.
Insurers will pull up automated reports that show your heart medications, blood pressure drugs, and other prescriptions. A stable, predictable list that matches a controlled heart condition is a very different risk than repeated short-term prescriptions for emergency care.
This is why two people with the same device can get very different offers.
One person ends up with a first-day coverage plan after a quick phone interview. The other is pushed into a graded or guaranteed acceptance plan with a 2-year waiting period because their recent medical history is full of red flags.
HOW FINAL EXPENSE UNDERWRITING EVALUATES PACEMAKER IMPLANTS AND HEART RHYTHM HISTORY
Final expense underwriters start by asking when the pacemaker was implanted, what heart rhythm problem it was treating, and whether you have had any device adjustments or shocks since.
They want to see that your rhythm has been steady for a meaningful period of time.
They also look for related diagnoses such as coronary artery disease, prior heart attacks, or congestive heart failure.
Public health data from the Centers for Disease Control and Prevention (CDC) shows that about 5.0% of adults have been diagnosed with coronary heart disease, which reminds insurers that cardiac risk is common but not identical for everyone.
If your records and answers show routine follow-up visits, predictable medications, and no recent cardiac emergencies, you are likely to be treated as a controlled-risk pacemaker case.
That is exactly the type of profile that still qualifies for first-day coverage with select final expense carriers.
WHY TIMING AFTER PACEMAKER SURGERY AFFECTS ELIGIBILITY AND PRICING
Insurers care about the timing of your pacemaker surgery because recent cardiac procedures come with a higher risk of complications.
When the implant is newly installed, the carrier sees a short window during which rhythm issues, medication adjustments, or post-surgery medical events may still be a concern.
A pacemaker implanted years ago is treated very differently.
Once the device has been stable for an extended period, with no recent hospitalizations or rhythm problems, you are considered a lower risk, which usually leads to better pricing and stronger plan options.
Most carriers look for a period of documented stability before offering first-day coverage, and that period varies by company.
Some require a set number of months after surgery, while others rely more on prescription reports and overall heart history. These differences explain why one company may offer first-day coverage while another tries to steer you into a higher-priced plan.
If your implant was recent, a carrier may still approve you, but the tier you fall into depends on your medical and prescription history.
WHAT INSURERS CONSIDER “STABLE HEART FUNCTION” FOR PACEMAKER APPLICANTS
Stable heart function means your rhythm has remained consistent, your device has not required emergency adjustments, and your health records show predictable management of the underlying condition.
Insurers offer better rates when the pacemaker is functioning without ongoing complications.
Routine device data reviews often document pacing percentages, battery levels, and the device’s ability to maintain normal rhythm. When these reports show no unexpected events, your risk level goes down.
The absence of recent hospital visits for arrhythmia, fainting, electrical shocks, or heart failure episodes is also a good sign for getting the best final expense policy.
When medical symptoms stop appearing in your medical history, insurers consider your heart function well-controlled.
Long-term prescriptions for predictable maintenance drugs reflect controlled conditions, while recent medical events or emergency medications raise concern.
All of these details combine to determine whether you qualify for first-day coverage or fall into a more limited tier.
HOW MEDICATION AND PRESCRIPTION HISTORY INFLUENCE PACEMAKER UNDERWRITING
Prescription history is one of the tools insurers use when reviewing a pacemaker applicant.
Companies pull automated reports that show every medication filled under your name, including doses, dates, and refill patterns.
This report helps carriers understand whether you are doing well health-wise or having ongoing complications.
Long-term prescriptions for stable heart rhythm medications signal controlled conditions, while frequent short-term prescriptions may indicate recent emergencies or unstable cardiac function that needs more attention.
Insurers will compare your medication list with your responses to the health questionnaire. When those line up, you look like a stable applicant. When they do not match, the carrier may assume there are undisclosed heart issues that could affect your eligibility.
Prescription history protects you because it gives companies a complete picture of how your heart issue has been managed in the past.
When your medications show long-term stability, you have a stronger chance of qualifying for a lighter underwriting tier and lower-priced final expense coverage.
PACEMAKER COMPLICATIONS THAT CAN TRIGGER HIGHER PREMIUMS OR DECLINES
Some pacemaker histories raise concern because they show ongoing risk rather than a well-controlled rhythm.
Insurers look closely at device malfunctions, repeated emergency adjustments, and hospital visits linked to arrhythmia or fainting. When these events appear in your record, the carrier sees a pattern that may lead to a higher-priced policy or a more restricted underwriting tier.
Complications such as infections at the implant site, repeated lead revisions, or episodes where the pacemaker delivered unexpected electrical therapy are treated as active cardiac instability. These situations indicate that the device is working harder than expected, increasing the likelihood of future claims.
Underwriters also watch for recent heart failure evaluations. Although heart failure varies widely in severity, a new diagnosis or flare is a major red flag. Carriers want to see a period of calm with no emergency room visits before considering you for first-day coverage.
Even with complications, you may still qualify for some great final expense insurance plans.
The question is whether it will be a simplified-issue plan with limited restrictions or a guaranteed acceptance plan with a 2-year waiting period. Your long-term device history, medication record, and follow-up notes usually determine the difference.
TYPICAL COVERAGE AMOUNTS OFFERED TO PACEMAKER APPLICANTS AND HOW CARRIERS SET LIMITS
Most final expense plans offer coverage amounts designed to match real-world funeral and burial costs.
According to the National Funeral Directors Association, the 2023 median cost of a funeral with viewing and burial was $8,300, and the median cost of a funeral with viewing and cremation was $6,280.
Applicants with pacemakers often choose coverage amounts between $10,000 and $20,000 because these values align with typical end-of-life expenses (for burial).
The device itself does not reduce the amount you can apply for. Carriers base the maximum on age, overall health, and company rules, not on whether you have a pacemaker.
Many carriers offer fixed coverage brackets such as $5,000, $10,000, $15,000, $20,000, and $25,000. Some go up to $50,000.
Applicants with stable medical profiles are usually eligible for the maximum coverage range. When the pacemaker is part of a more complicated heart history, some companies may limit the highest bracket, but every insurance company is a bit different.
These limits protect carriers from taking on high-risk applicants at large face amounts, and they protect you by offering a policy that is built to last.
When a carrier approves a final expense policy, the premium and benefit remain level for life, meaning the plan is designed to remain in force even as your health changes.
HOW COMPANIES PRICE $5,000 TO $25,000 FINAL EXPENSE PLANS FOR PACEMAKER USERS
Final expense pricing depends on several factors, and the pacemaker is only one piece.
Age is the biggest driver of monthly premium cost because your mortality risk rises as you get older.
Tobacco use is another major factor because it increases long-term mortality risk.
Pacemaker applicants with stable records usually fall into the same pricing tiers as others with controlled health conditions.
The company evaluates whether your heart rhythm has remained consistent, whether you take your medications regularly, and whether your medical records show a predictable course of management.
Companies that offer first-day coverage to pacemaker users price these plans so the premiums remain level for life.
If the carrier believes you fall into a higher-risk category. In that case, they may offer a graded benefit plan, where only part of the benefit is available during the first two years. This higher pricing structure offsets their risk without pushing you into a guaranteed-acceptance plan.
For applicants with recent hospitalizations or rhythm instability, guaranteed-acceptance life insurance may be the only option.
These plans do not require medical questions, but they include a mandatory two-year waiting period for natural causes. Even then, they still offer full accidental-death coverage from day one.
A TWO YEAR WAITING PERIOD PLAN
A two-year waiting period should only be applied for if your recent heart history makes you too unstable for first-day coverage.
This applies when you have had emergency care, rhythm-related hospital visits, or cardiac evaluations that suggest an elevated short-term risk.
The waiting period is a safety buffer for the company, as simplified-issue plans do not require medical exams.
When your recent events make it hard for the carrier to predict your near-term health, they place you in a category where natural death benefits are delayed for twenty-four months. During this time, the company refunds your premiums plus interest if you pass from natural causes, a structure that protects both sides.
Accidental death is still covered from day one.
This means your family receives the full benefit immediately if death is the result of an accident, even while the waiting period is active. This is an important protection that many people overlook when comparing plans.
The key point is that this is not a lifelong restriction. If your heart stabilizes, you may be able to reapply for first-day coverage later.
GUARANTEED ACCEPTANCE LIFE INSURANCE AS A LAST RESORT FOR HIGH-RISK PACEMAKER CASES
Guaranteed acceptance life insurance is available when your health prevents you from qualifying for simplified-issue coverage.
These plans do not ask health questions, and they approve every applicant within the eligible age range.
The tradeoff is the mandatory two-year waiting period for natural causes.
During these two years, the policy refunds your premiums plus interest if death occurs from natural causes. The interest rate varies by company and is filed with state insurance regulators. Accidental death is still paid in full from the first day.
These plans cost more because the insurer accepts everyone, including the highest-risk applicants. They are designed as a safety net, not as the first choice. Pacemaker users who have recent heart events or unstable rhythm patterns are the ones who usually end up in this category.
If you qualify for simplified issue, you should go with the 1st-day coverage option first.
Guaranteed acceptance is for situations where your pacemaker history is too recent, too complex, or combined with other conditions that put you in the highest risk tier.
COMPARING FIRST DAY COVERAGE PLANS AND WAITING PERIOD PLANS FOR PACEMAKER APPLICANTS
First-day coverage offers full natural and accidental death benefits from the first month, making it the best form of final expense protection.
Waiting period plans offer full accidental death benefits immediately, but natural death benefits are limited during the initial twenty-four months. After the waiting period ends, the policy pays the full face amount for any cause of loss. This category is used only when recent medical events increase the risk.
The difference between these two plan types affects what your family receives and when they receive it.
A stable pacemaker history gives you a wider range of insurance plan choices and better pricing with full immediate benefits.
An unstable history limits your options and requires careful selection to avoid overspending or a policy that does not match your needs.
You never want to get into a waiting period plan when you may need first-day coverage.
WHY EACH INSURANCE COMPANY TREATS PACEMAKERS DIFFERENTLY AND HOW A BROKER NAVIGATES IT
Every insurance company develops its own underwriting guidelines, which determine how a pacemaker applicant is classified.
One carrier may approve a stable pacemaker user for first-day coverage, while another may place that same applicant into a graded or waiting period plan. These differences arise from internal risk models, past claim patterns, and how each company defines cardiac stability.
Carriers also interpret heart history differently.
Some view a pacemaker as a corrective device that improves long-term survival, while others see it as a sign of ongoing elevated risk. When these internal rules vary, the applicant’s approval outcome shifts dramatically even when the health history stays the same.
This is why applying through one company or a captive agent can create problems.
If the company they represent has strict cardiac guidelines, you may be pushed into an overpriced plan or a two-year waiting period that you do not actually need. A broker like the Final Expense Guy can avoid this by comparing companies that accept pacemaker users at different risk levels.
A broker matches your medical history with carriers that have more flexible rules for device implants, controlled arrhythmias, or long-term heart management.
This approach increases your odds of qualifying for first-day coverage and reduces the risk of being sold a plan that does not fit your situation. It is the difference between being boxed into one option and being placed with the right company from the start.
HOW A.M. BEST RATINGS AND NAIC COMPLAINT DATA IDENTIFY SAFER FINAL EXPENSE COMPANIES
Final expense policies must stay active for the rest of your life, which makes financial strength one of the most important factors.
A.M. Best is the primary organization that rates insurance companies for financial stability. A high rating signals that the company manages claims responsibly and has the financial reserves to pay benefits for decades to come.
The National Association of Insurance Commissioners (NAIC) provides public complaint data that shows how often consumers report issues with a company.
A complaint index above one indicates more complaints than average for a company of its size, while an index below one indicates fewer complaints. This information helps you compare insurers’ reliability.
These two data sources work together to show whether a carrier is financially strong and treats policyholders fairly. A pacemaker applicant who wants long-term peace of mind needs a company with solid ratings and a clean complaint history, since final expense insurance is designed to last a lifetime.
When choosing a final expense plan, financial strength and complaint data matter just as much as underwriting guidelines.
COMMON MISCONCEPTIONS ABOUT BUYING LIFE INSURANCE AFTER A PACEMAKER IMPLANT
Many people believe a pacemaker guarantees a decline.
This is not true.
A pacemaker ideally results in a corrected rhythm problem, and companies treat that history differently from untreated conditions.
The device itself is not always the main issue.
Another misconception is that all pacemaker users must buy guaranteed acceptance life insurance with a two-year waiting period.
This is not true in most cases.
Most applicants with stable heart function qualify for simplified issue plans with first-day benefits, depending on overall health. The waiting period is often only required when the recent heart history is unstable.
Some applicants assume they need a medical exam to prove eligibility, but final expense plans do not require one.
Approval is based on health questions, prescription history, and documented cardiac stability. When your records show long-term control, the device becomes only one part of your overall risk profile.
Once you understand how the rules work, you can choose a plan built around your accurate health picture instead of assumptions that do not match how insurers make decisions.
WHAT TO DO IF YOU WERE DECLINED FOR COVERAGE BECAUSE OF A PACEMAKER
A decline does not mean you are uninsurable.
It only means that the company you applied to uses stricter cardiac guidelines than others.
Every insurer sets its own underwriting rules, and pacemaker criteria vary widely across the industry.
Insurers decline pacemaker applicants when the device was implanted recently, when there are recurrent rhythm-related hospitalizations, or when the prescription history shows unstable cardiac management. These issues are interpreted differently by each company, which is why a decline with one insurer does not predict the outcome with another.
After identifying the reason, the next step is to apply to a carrier that accepts pacemaker users under different conditions.
Some companies specialize in stable arrhythmia histories, while others focus more on long-term medication control. Matching your accurate medical picture to the right company is the fastest path to getting approved.
You should also confirm that your application answers, medication list, and medical records tell a consistent story.
When the information matches across all three, your eligibility improves. A broker can help compare your profile across multiple companies so you do not repeat the same decline outcome.
HOW TO AVOID BEING PLACED INTO A HIGHER PRICE TIER BECAUSE OF A PACEMAKER
Insurers want to see steady rhythm control, routine device checkups, and predictable medication use.
When these factors appear in your records, you are treated as a controlled-risk applicant.
Avoid applying too soon after a pacemaker implant or a recent cardiac hospitalization.
Carriers interpret recent events as signs of elevated risk, which moves you into higher-priced categories. Waiting for a period of documented stability improves your approval odds and your pricing.
You should also make sure your application answers match your prescription history.
When the insurer sees consistency between what you report and what the prescription database shows, you will often be placed in a more favorable category. Mismatches suggest undisclosed health issues, which lead to higher-priced insurance plans.
If your rhythm has been predictable and your follow-up care is consistent, you usually qualify for stronger pricing. A broker like the Final Expense Guy can help you avoid overpriced plans by directing you to carriers that evaluate pacemaker users more fairly.
WHEN YOU SHOULD REPLACE OR REVIEW AN OLDER POLICY AFTER RECEIVING A PACEMAKER
You should review any existing life insurance policy if it was purchased before your pacemaker implant.
Older policies may contain exclusions or limitations that no longer fit your current health picture. Reviewing the terms helps you see whether the coverage still works for your family’s long-term needs.
If your older policy was graded or had a waiting period, you may now qualify for first-day coverage.
Pacemaker outcomes improve over time, and insurers view long-term stability differently from recent procedures. A new policy may offer immediate benefits at competitive rates if your recent health history shows consistent control.
You should also review replacement costs.
Some older plans increase in price as you age, while newer final expense policies offer level lifetime premiums. If your current plan becomes more expensive each year, switching to a level premium policy can significantly lower your long-term cost.
Policy replacement is not always the right move, especially if your existing plan has strong terms you no longer qualify for.
A broker compares your current policy with what you qualify for today to determine whether replacing it would help or harm you.
HOW TO MATCH YOUR PACEMAKER HISTORY TO THE MOST PACEMAKER FRIENDLY FINAL EXPENSE CARRIERS
Every pacemaker applicant has a different medical profile, and insurers evaluate those profiles in very different ways.
Matching your history to the right company starts with identifying whether your heart rhythm has remained steady, whether your device follow-ups show normal performance, and whether your medications reflect long-term control.
Almost all carriers quickly approve applicants who have pacemakers that were implanted many years ago, while others place more weight on whether you have had any recent heart-related hospital visits.
Controlled atrial fibrillation, stable bradycardia, and corrected rhythm disorders are viewed more favorably than repeated ventricular events or recent device adjustments.
When your history fits the positive side of these patterns, you move into stronger underwriting tiers.
Your medication record is another major factor.
Long-term maintenance drugs signal stability, while multiple recent short-term medications may signal recent rhythm instability. When the carrier sees a predictable medication pattern, your approval chances improve.
A broker evaluates all these factors simultaneously. This approach helps place you with a company whose guidelines align with your health history instead of forcing your profile into a carrier that is not pacemaker friendly.
WHY WORKING WITH AN INDEPENDENT BROKER PREVENTS YOU FROM BEING FORCED INTO THE WRONG PLAN
An independent broker works with multiple companies, so you are not limited to a single set of underwriting rules.
This matters because pacemaker guidelines vary more than most people realize.
Some insurers approve stable pacemaker users for first-day coverage, while others automatically classify them into higher-risk tiers.
If you apply through a company with strict cardiac rules, you may be told that a two-year waiting period is your only option. In many cases, this is not accurate. Often, another company will approve you for full, immediate benefits if your heart history shows consistent stability.
Working with only one insurance company also often leads to higher pricing.
Captive agents can only offer you what their company allows. If that company considers your pacemaker history a higher risk, you will pay more, even when better-priced alternatives exist.
An independent broker prevents this by comparing your medical pattern across several carriers. This process identifies which companies offer the strongest approval odds, the best pricing, and the most generous benefit options based on your stability and long-term records.
A broker gives you access to a broader market, which means you avoid being placed into a plan that does not match your accurate health profile or your financial goals.
FREQUENTLY ASKED QUESTIONS: FINAL EXPENSE INSURANCE PACEMAKER
Can you get final expense insurance with a pacemaker device?
Yes, you can still get burial, cremation, or final expense insurance with a pacemaker because these policies are built for people who already have medical conditions. A pacemaker is reviewed as only one part of your heart history, not a deal-breaker, and many applicants qualify for full first-day coverage once their device has been stable for a while. Insurers mainly look at how long ago the pacemaker was implanted and whether you have had any recent heart-related emergencies. When your rhythm has been steady and your medications show long-term control, your pacemaker becomes a manageable part of the underwriting process. Many people are surprised to learn they still qualify for strong plans that pay immediately. The Final Expense Guy helps match your health history to companies that treat pacemaker users more fairly.
Can I be disqualified for final expense life insurance because of a pacemaker?
A pacemaker by itself does not disqualify you because insurers know many seniors have rhythm devices and review your stability rather than the implant alone. Disqualification usually happens only when the device is new, when you have had recent heart-related hospital visits, or when your prescription history shows unstable cardiac issues. When your device has been in place for a long time and your rhythm has remained consistent, most companies consider you for simplified issue approval. The questions on the application focus more on recent events than the pacemaker itself. A decline from one company does not mean all companies will decline you. The Final Expense Guy compares multiple carriers to find the one that fits your real health picture.
Are final expense policies worth it after a pacemaker implant?
Final expense policies are usually a strong fit after a pacemaker implant because they use simplified underwriting and do not require a medical exam. These plans provide permanent lifetime coverage and pay a fixed amount that helps with real costs, including the NFDA’s 2023 median funeral price of $8,300 for burial and $6,280 for cremation. When your pacemaker history is stable, many companies offer first-day benefits that start right away. Even when your heart history is more complicated, you can still qualify for graded coverage or guaranteed acceptance if needed. The goal is to make sure your family is not left covering bills during a difficult time. The Final Expense Guy helps you select a plan that gives your family the strongest protection.
How long do you pay for final expense insurance if you have a pacemaker?
Final expense insurance stays in force for life, and a pacemaker does not change how long you pay or how long the coverage lasts. These policies are whole-life plans with level lifetime premiums, meaning the premium never increases as you get older. Your device affects underwriting, not the payment schedule. Once approved, your benefit stays fixed and your monthly cost stays the same for as long as you keep the policy. This structure provides predictable protection for your family. The Final Expense Guy helps you choose a plan built for long-term stability.
Is a pacemaker considered a pre-existing condition in final expense insurance?
A pacemaker is treated as part of your pre-existing heart history, but insurers do not view it the same way as uncontrolled cardiac disease. They look at when the device was implanted, why you needed it, and whether your rhythm has remained steady. When your follow-up visits, medications, and device reports show long-term control, many companies treat you as a stable applicant. Underwriters care more about whether the underlying health issue behind the pacemaker has been properly managed. This is why many pacemaker users still qualify for first-day coverage. The Final Expense Guy knows which carriers view pacemaker cases more favorably.
Can you get life insurance if you already have a pacemaker?
Yes, you can still get life insurance with a pacemaker, because most final expense carriers have underwriting guidelines for people with past heart conditions. The key factor is whether your heart rhythm has been stable and whether you have avoided recent hospital visits. When your device is working properly and your medications reflect steady control, companies classify you as a manageable risk. Some applicants qualify for first-day coverage, while others fall into graded or waiting period plans based on recent history. Your approval depends on stability, not just the device. The Final Expense Guy helps you choose the company that handles your health plan correctly.
At what age should you buy final expense insurance with a pacemaker?
You should buy final expense insurance as soon as your pacemaker history is stable, since age is the primary factor in pricing. Waiting makes insurance more expensive and increases the risk of new cardiac events, which could limit your options. When your pacemaker has been in place for a while and you have had no recent rhythm-related emergencies, you are in the strongest position to qualify for better plans. Buying earlier locks in lifetime premiums while your eligibility is strongest. A stable medication list and routine follow-ups help you secure the best plan possible. The Final Expense Guy helps you time your application to maximize your approval odds.
How much is the average final expense policy if you have a pacemaker?
Final expense pricing varies by age, tobacco history, and recent health events, not by the pacemaker alone. Many pacemaker users choose coverage amounts that match real world end-of-life costs, such as the NFDA’s 2023 median burial cost of $8,300 and cremation cost of $6,280. Applicants often select coverage between $10,000 and $20,000 because it often provides more than enough for the typical funeral needs. Your pacemaker affects underwriting but does not directly raise the price. Stable pacemaker users often qualify for competitive lifetime premiums. The Final Expense Guy helps compare companies so you do not overpay.
Will my life insurance premium go up if I have a pacemaker?
If you have a current policy and a pacemaker installed, nothing changes; your policy remains valid and in force. A new pacemaker does not automatically raise your premium, as insurers focus on your overall stability rather than the device alone. Premiums are based on your age, tobacco use, and whether your heart history shows long-term control. When your pacemaker has been stable and you have not had recent cardiac emergencies, many companies offer strong pricing. The device becomes only one part of your medical profile, and a steady history helps keep costs down. When your rhythm has been predictable, you look like a controlled risk to underwriters. The Final Expense Guy helps you avoid companies that overcharge
