2024 Burial Insurance with a Brain Tumor
last updated on July 22, 2024Affordable burial insurance is possible if you had surgery to remove your brain tumor or suffer from other health complications.
You can even be eligible for a first-day coverage plan with the lowest rate depending on your diagnosis and treatment plan.
This article will show you how insurance companies respond to your individual medical concerns, what your options for coverage are, and how to find the best burial policy.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Brain Tumors?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have a Brain Tumor, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have a Brain Tumor
- How Much Insurance Do I Need If I Have a Brain Tumor?
- How Should I Pay My Premiums?
- Brain Tumor and Burial Insurance Riders
- Information We Need if You Have a Brain Tumor
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with a Brain Tumor
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Brain Tumor
What Is My Best Insurance Option If I Have A History Of Brain Tumors?
IF YOUR BENIGN BRAIN TUMOR DIAGNOSIS AND TREATMENT IS OVER 24 MONTHS
Some burial insurance companies only have a two-year look-back period on a brain tumor. They only ask about brain tumors within the last two years. Since it’s been more than two years for you, you can answer no to the brain tumor question.
You will qualify for the level death benefit with final expense companies that only ask about brain tumors within the last two years. This means immediate coverage with the lowest price plan is available for you.
You will be fully covered from the first day, and you will not have a waiting period. Your beneficiary will receive the full death benefit when you pass away for whatever reason.
Best Option: Level death benefit plan with first-day coverage
IF YOU HAVE A BENIGN BRAIN TUMOR (within the last 12 months)
Generally, the only reason you will not qualify for immediate coverage is if your benign brain tumor is located in a major artery or blood vessel. Tumors in these locations have the potential to cause complications later on in life. The insurance companies will assess your condition before giving you their lowest rates.
You will qualify for a first-day benefit plan if you have a benign brain tumor within the last 12 months.
You will be covered from the first day and your death benefit will be phased in over time.
Best Option: First-day benefit plan
BURIAL INSURANCE OPTIONS WITH MALIGNANT BRAIN TUMOR
If your brain tumor tested positive for cancer, you would have to say yes to the cancer question; having cancer will affect your life insurance eligibility.
CANCER-FREE, FINISHED TREATMENT, OR IN REMISSION
If you have finished treatment for a malignant brain tumor and are now in remission – you can now qualify for a level death benefit plan with first-day coverage.
Best Option: Level death benefit plan with first-day coverage
YOUR MALIGNANT BRAIN TUMOR WAS TREATED MORE THAN 2 YEARS AGO
If your malignant brain tumor has been treated over two years ago but not within the three-year mark, you will have the best options. Funeral insurance companies only ask about malignant brain tumors within the last two years.
Because your treatment for a malignant brain tumor has been longer than two years, you can honestly answer NO to the malignant tumor or brain cancer question.
You can now qualify for a level death benefit plan with first-day coverage to those final expense insurance companies that only look back two years to a malignant brain tumor.
Best Option: Level death benefit plan with first-day coverage
YOUR MALIGNANT BRAIN TUMOR WAS TREATED WITHIN 12 MONTHS
Every final expense insurance company asks about a malignant brain tumor or cancerous tumor within two years. If you were diagnosed with a malignant brain tumor and you’re currently undergoing treatment, you fall into the high-risk category. Due to this, you will only qualify for a first-day benefit plan.
You will be covered from the first day, and your death benefit will be phased in over time.
Best Option: First-day benefit plan
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I Have A Brain Tumor, Do I Need A Medical Exam To Qualify For Burial Insurance?
You are NOT required to take a medical exam to qualify for burial insurance with a brain tumor.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple; you don’t need to provide medical records or blood and urine samples.
You’ll get the official approval from the insurance company often within minutes!
Burial Insurance Underwriting If You Have A Brain Tumor
Burial insurance companies have two ways of underwriting:
FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history to verify your health.
HEALTH QUESTIONS
Questions asked on a burial insurance application:
- In the last two years, have you ever been diagnosed with brain cancer?
- In the last 24 months, have you been diagnosed with cancer, or been advised to receive chemotherapy or radiation therapy?
- In the previous two years, have you been diagnosed with cancer, or been advised to receive surgery?
Burial insurance companies carefully assess your risk level by asking health questions before approving new policyholders.
You will likely see a brain tumor asked in their health questionnaire this way:
- In the last 24 months, have you been diagnosed or been treated for a brain tumor?
Every burial insurance company has a two-year look-back period on a brain tumor. You will hardly see them ask about brain tumors for less than two years.
TYPE OF TUMOR
To understand how life insurance companies will respond to brain tumors, it’s important to know tumor categories. Which category you fall into, will determine what type of plan you will qualify for.
The two categories of brain tumors are:
- Benign – Non-cancerous tumors
- Malignant – Cancerous tumors
You won’t generally have problems when you’re seeking a final expense life insurance policy for a benign tumor. Most brain tumor life insurance carriers understand the low risks of a benign brain tumor. They also know that these tumors often have a very good outlook. They consider this information when you apply for coverage.
There are certain instances when a benign brain tumor will require surgery. Unless there are complications from the operation, insurers will not judge you harshly because of a benign brain tumor. You will easily qualify for life insurance.
Common types of brain tumors that may affect insurability:
- Acoustic Neuroma
- Astrocytomas
- Oligodendrogliomas
- Ependymomas
- Meningiomas
- Schwannomas
- Craniopharyngiomas
- Germ cell tumors
- Pineal region tumors
- Pituitary tumors
PRESCRIPTION HISTORY CHECK
The insurance companies will also electronically check your prescription history to verify your current health. Medication is a common treatment for a benign brain tumor.
These are the medications approved for brain tumors:
- Afinitor (Everolimus)
- Afinitor Disperz (Everolimus)
- Avastin (Bevacizumab)
- Bevacizumab
- BiCNU (Carmustine)
- Carmustine
- Carmustine Implant
- Everolimus
- Gliadel Wafer (Carmustine Implant)
- Lomustine
- Temodar (Temozolomide)
- Temozolomide
Life insurance companies will know you have a brain tumor if you take any of these drugs. Don’t worry though; whatever medications you take for a brain tumor, we can get you approved for final expense or burial life insurance coverage.
How Much Insurance Do I Need If I Have A Brain Tumor?
The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.
The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.
Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.
| AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
|---|---|
| Non-declinable basic services | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| Non-declinable basic services fee | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Cremation fee (if firm uses a third-party crematory) | $368 |
| Cremation Casket | $1,310 |
| Urn | $295 |
| Median Cost of a Funeral with Viewing and Cremation | $6,970 |
| Rental Casket | $995 |
| Alternate Cremation Container | $150 |
How Should I Pay My Premiums?
The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.
Brain Tumor And Burial Insurance Riders
Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while others can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.
Here’s a list of common burial insurance riders:
| FUNERAL FUNDS ADD-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You Have A Brain Tumor
When applying for burial insurance, we will ask you some questions regarding your brain tumor to better understand your overall health. This will help us determine what type of plan you qualify for and provide you with an accurate quote.
- When were you initially diagnosed with a brain tumor?
- What kind of brain tumor do you have?
- Where is the location of your brain tumor?
- Are you taking medications for your brain tumor?
- What kind of treatment did you take for your tumor?
- Have you had any past surgeries performed to remove your tumor?
- Have you had any diagnostic lab test within the past six months?
We need to know your medical condition to provide you with the best recommendation. The more information we get, the better our chances of finding affordable insurance coverage.
Benefits Of Burial & Funeral Insurance
Here are some of the benefits of purchasing a burial or funeral policy:
- No medical exam or doctor’s visit is required – easy to get approved.
- Ease of issue – easy to qualify and get insurance coverage.
- No Money Down to get approved – have your policy start whenever you want.
- Level premium – your premium will never increase.
- Fixed death benefit – your death benefit will never decrease for any reason.
- Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
- Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death.
- Cash value builds up – burial insurance is a whole life policy that builds cash value over time.
Other Common Uses For Final Expense Life Insurance With A Brain Tumor
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with a brain tumor
- Cremation insurance plan with a brain tumor
- Funeral home insurance plan with a brain tumor
- Final Expense insurance plan with a brain tumor
- Prepaid funeral plan insurance with a brain tumor
- Mortgage payment protection plan with a brain tumor
- Mortgage payoff life insurance plan with a brain tumor
- Deceased spouse’s income replacement plan with a brain tumor Legacy insurance gift plan to family or loved ones with a brain tumor
- Medical or doctor bill life insurance plan with a brain tumor
We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.
How Can Funeral Funds Help Me?
Finding burial insurance for brain tumor patients needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the work for you.
We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search all those companies and match you up with the best burial insurance company that gives the best rate.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for brain tumor funeral insurance, brain tumor burial insurance, or brain tumor life insurance, we can help. Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate quote.
Additional Questions & Answers On Burial Insurance With A Brain Tumor
Can you get life insurance if you have a brain tumor?
Yes, you can get life insurance if you have a brain tumor. However, the insurance company will want you to be tumor-free for two years or longer before offering you a first-day coverage plan.
Is brain tumor a pre-existing condition for life insurance?
A brain tumor may be considered a pre-existing condition for life insurance. The insurance company will want to know about your medical history, including any treatments for the tumor when you applied for coverage. If you have been treated for the tumor, the insurance company may consider it a pre-existing condition and deny you coverage.
Do I need to tell insurance about the brain tumor?
Yes, you will need to tell the insurance company about your brain tumor. The insurance company will want to know about your medical history, including any treatments for the tumor when you applied for coverage.
Can a person with a brain tumor get burial insurance?
Yes, a person with a brain tumor can get burial insurance. The insurance company will want to know about your medical history, including any treatments for the tumor when you applied for coverage.
Do I need to take a medical exam if I have a brain tumor?
No, you generally do not need to take a medical exam if you have a brain tumor. The insurance company will want to know about your medical history, including any treatments for the tumor when you applied for coverage.
Is there an age limit for burial insurance with a brain tumor?
Most life insurance companies will accept applicants who are 18-85 years old.
Is a brain tumor classed as a critical illness?
A brain tumor may or may not be considered a critical illness.
Can you get first-day coverage insurance if you have a brain tumor?
Most life insurance companies will not offer first-day coverage to someone with a brain tumor. The insurance company will want you to be tumor-free for two years or longer before offering you a first-day coverage plan.
What are the things that may affect my eligibility if I have a brain tumor?
The things that may affect your eligibility for life insurance if you have a brain tumor include:
- The type of brain tumor you have
- How long have you had the tumor
- Whether the tumor is benign or cancerous
- Whether you have been treated for the tumor
- Your age
- Your health history
What is the life expectancy after a brain tumor?
The life expectancy after a brain tumor varies depending on the type of tumor, its size, and how far it has progressed.
Is a brain tumor a death sentence?
No, a brain tumor is not a death sentence. However, the life expectancy after a brain tumor varies depending on the type of tumor, its size, and how far it has progressed.
Which insurance is best for patients with a brain tumor?
It is best to speak with an insurance agent to find the best insurance for patients with a brain tumor. The agent will ask about your medical history and recommend the best plan for you.
Is brain tumor disease a disability?
A brain tumor may or may not be considered a disability. If the tumor causes you to have seizures, lose consciousness, or have difficulty with speech, it may be considered a disability.
What disability category is a brain tumor?
A brain tumor may be classified as a physical disability, cognitive disability, or seizure disorder.
Can I qualify for cremation insurance with a history of a brain tumor?
Yes, you can qualify for cremation insurance with a history of a brain tumor. The insurance company will want to know about your medical history, including any treatments for the tumor when you applied for coverage.
How do you get life insurance after a brain tumor diagnosis?
You can get life insurance after a brain tumor diagnosis by applying for coverage with a life insurance company. The insurance company will want to know about your medical history, including any treatments you’ve had for the tumor when you applied for coverage.
What is my best insurance option if I have a brain tumor?
It is best to speak with an insurance agent to find the best insurance for someone with a brain tumor. The agent will ask about your medical history and recommend the best plan for you.
Is brain tumor fatal in life insurance?
Yes, a brain tumor is not fatal in life insurance. However, the life expectancy after a brain tumor varies depending on the type of tumor, its size, and how far it has progressed.
Can you be denied insurance for a brain tumor?
Yes, you can be denied insurance for a brain tumor. The insurance company will want to know about your medical history, including any treatments you’ve had for the tumor when you applied for coverage.
Are brain tumors always fatal?
No, brain tumors are not always fatal. However, the life expectancy after a brain tumor varies depending on the type of tumor, its size, and how far it has progressed.
Is there a waiting period for life insurance with a brain tumor?
Yes, there is a waiting period for life insurance with an active brain tumor. The insurance company will want you to be tumor-free for two years or longer before offering you a first-day coverage plan.
Can I get life insurance if I’m being treated for a brain tumor?
Yes, you can get life insurance while being treated for a brain. However, you will only qualify for guaranteed issue life insurance.
Can brain tumors affect your life insurance rates?
Yes, brain tumors can affect your life insurance rates. The insurance company will want to know about your medical history, including any treatments for the tumor when you applied for coverage.
Can brain tumor medication affect my premium?
Yes, brain tumor medication can affect your premium. The insurance company will want to know about your medical history, including any treatments for the tumor when you applied for coverage.
What is the best time to get life insurance with a brain tumor?
It is best to speak with an insurance agent to find the best insurance for someone with a brain tumor. The agent will ask about your medical history and recommend the best plan for you.
What are the premiums for burial insurance with a brain tumor?
The premiums for burial insurance with a brain tumor vary depending on the insurance company. Speaking with an insurance agent to find the best rates for you is best.
What is the average cost of life insurance for someone with a brain tumor?
The average cost of life insurance for someone with a brain tumor varies depending on the insurance company. Speaking with an insurance agent to find the best rates for you is best.
Can brain tumor patients get final expense insurance?
Yes, brain tumor patients can get final expense insurance. The insurance company will want to know about your medical history, including any treatments for the tumor when you applied for coverage.
What is the life expectancy of a person with a brain tumor?
The life expectancy of a person with a brain tumor varies depending on the type of tumor, its size, and how far it has progressed.
Is a brain tumor covered by a critical illness rider?
A brain tumor is not covered by a critical illness rider.
Can brain tumors affect life insurance?
Yes, brain tumors can affect life insurance. The insurance company will want to know about your medical history, including any treatments for the tumor when you applied for coverage.
Can you be rejected for life insurance because of a brain tumor?
Yes, you can be rejected for life insurance because of a brain tumor. The insurance company will want to know about your medical history, including any treatments you’ve had for the tumor when you applied for coverage.
What is the best time to get life insurance if you have a brain tumor?
It is best to speak with an insurance agent to find the best insurance for someone with a brain tumor. The agent will ask about your medical history and recommend the best plan for you.
How can you get the best life insurance rates with a brain tumor?
The best way to get the best life insurance rates with a brain tumor is to speak with an insurance agent. The agent will ask about your medical history and recommend the best plan for you.
What is the best insurance option for people with a brain tumor?
The best insurance option for people with a brain tumor is to speak with an insurance agent. The agent will ask about your medical history and recommend the best plan for you.
What are the best life insurance companies for brain tumors?
The best life insurance companies for brain tumors vary depending on the person’s needs. It is best to speak with an insurance agent to find your best insurance company.
What are some tips for getting life insurance with a brain tumor?
Some tips for getting life insurance with a brain tumor are:
- Speak with an insurance agent from Funeral Funds to find the best insurance company for you.
- Make sure you are honest about your medical history when applying for coverage.
- Be prepared to answer any insurance company questions about your tumor.
