Burial Insurance with Alzheimer’s Disease

Woman wondering about burial insurance with Alzheimer's disease

Purchasing a guaranteed issue burial insurance if you have Alzheimer’s disease should be your priority to make sure you will leave something for your family. Unless you have substantial savings or another life insurance policy to pass along to your family, it is a wise financial decision to apply for guaranteed issue life insurance protection.

If you want to ensure that your funeral expenses will not burden your family, then getting a guaranteed issue burial insurance policy is worth purchasing no matter what stage you are in your Alzheimer’s disease.

Your beneficiary will receive your 100% death benefit in as little as two years. The sooner you apply for coverage, the better because of the two-year waiting period. The sooner you begin working on the waiting period, the sooner you will be fully covered.

Additionally, your monthly premium is calculated based on your current age. You will save on premium if you apply now at your current younger age.



YES! You can qualify for life insurance even if you have Alzheimer’s disease.

If you are looking for life insurance coverage for yourself or your loved ones, you can get coverage until the age of 85 and keep the policy for as long as you live.

However, you must be aware that anyone with Alzheimer’s cannot qualify for a burial insurance policy with any company that pays full benefit during the first two years. You can get a policy, but you will have to wait two years before it will pay out a full death benefit.

If you will pass away during the first two years, the insurance company will refund all your premiums plus interest.

Alzheimer’s disease is a very serious condition that significantly reduces life expectancy. That is why no final expense company will offer you coverage that fully protects you during the first two years.

Fortunately, Alzheimer’s disease treatments have improved over the years. With the right treatment, many people outlive the two-year waiting period and enjoy a high quality of life.

Throughout the years, we have successfully assisted many Alzheimer’s clients to qualify for affordable burial insurance. Today, we are going to show you how you can also secure burial insurance with Alzheimer’s disease diagnosis.


The insurance companies know that Alzheimer’s disease is categorized under dementia, a gradual loss of brain function which is severe enough that it reduces the ability to perform everyday activities. Alzheimer’s is a progressive disease that gradually worsens over a number of years. That is the reason why most traditional insurance companies typically deny anyone applying for a fully underwritten policy.

Alzheimer’s patients’ mental capacity eventually declines and affects the patient’s ability to complete simple physical tasks. At this time, they will require assistance with activities of daily living including eating, bathing, continence, and taking medication.

Insurance companies only offer guaranteed issue burial insurance to people needing assistance with activities of daily living (ADL’s).

Alzheimer’s disease is severe conditions that significantly reduce life expectancy. On average, a person with Alzheimer’s can expect to live up eight to ten years, but some patients can live as long as 20 years after diagnosis. This is why policies that have two-year waiting periods often make sense for people diagnosed with Alzheimer’s disease.

Only guaranteed issue policy is available for Alzheimer’s patient?

If you notice any signs of Alzheimer’s in a family member, you should make sure that they have a life insurance policy before they are treated with medication.

  • Confusion and disorientation even when in a familiar environment
  • Difficulty concentrating and thinking
  • Difficulty comprehension even with simple questions
  • Easily forgetting things after seeing them
  • Routinely misplace things
  • Difficulty talking and writing correct words
  • Behavior and personality changes
  • Inability to recognize and deal with numbers
  • Finding it challenging to manage finances
  • Social withdrawal


We will need to ask you some questions to know which insurance company will be your best match. Doing this allows us to give you an accurate quote upfront and guarantee that the insurance company we will recommend is the best fit for you.

Here are some questions we may ask:

  1. What is your age?
  2. When were you diagnosed with Alzheimer’s disease?
  3. Do you have other health issues?
  4. Do you need help in performing activities of daily living (eating, bathing, dressing, toileting and transferring)?

The more information you give us, the better your chances of finding affordable coverage.


Every burial insurance company that has underwriting will ask you a series of health questions. In addition, they will electronically check your prescription history as a way to verify your health.


You will always find burial insurance companies ask about Alzheimer’s disease on the application. Your answer to the health questions will determine what plans you will qualify and how much is your monthly premium.

Here are some health questions that most burial insurance companies will ask regarding Alzheimer’s disease:

  • Have you ever tested positive or been diagnosed by a member of the medical profession as having Alzheimer’s disease or Dementia?
  • Have you ever been diagnosed with, been treated for, or been advised to receive treatment for Alzheimer’s disease?

One of the first questions you will see on the life insurance application is whether or not you have Alzheimer’s disease. They will ask these questions in the “knockout” section. If you answer yes to any of the questions in the knockout section, you will only qualify for guaranteed issue burial insurance with a waiting period.


All burial insurance companies will run a prescription history check to validate your health status. Let’s say you answer “No” to the Alzheimer’s disease question on the application. Some people think doing this is a clever way to get past the insurance company. But they will know you are lying if they see Alzheimer’s medication in your prescription history.

Certain Alzheimer’s medications will indicate you have this medical condition. They will be on the lookout for these Alzheimer’s medications they have flagged.

Alzheimer Medications Life Insurance Companies Care About

  • Aricept
  • Cognex
  • Donepezil
  • Ergoloid Mesylates
  • Exelon
  • Galantamine
  • Hydergine
  • Namenda
  • Namzaric
  • Razadyne
  • Reminyl
  • Rivastigmine

If you ever filled a prescription on any of these drugs, you will be viewed as a person that has Alzheimer’s disease.



Can you do activities of daily living on your own?

Insurance companies define assistance with activities of daily living (ADL) as needing help with the following:

  • Eating
  • Bathing
  • Continence
  • Dressing
  • Toileting
  • Transferring

Every life insurance company will ask you if you need help with ADL’s. If you are in the last stage of Alzheimer’s disease, you will definitely need help because your condition is getting worse. Every burial insurance company will decline anyone who needs help with ADL’s.


Every life insurance company will ask about home health care just like with ADL. Most Alzheimer’s disease patients require permanent home health care during the last stage of the disease. If this is your situation or your loved ones, it would be best to take out a guaranteed issue life insurance.


To secure a life insurance policy with Alzheimer’s disease, you only have one option. You can just buy a guaranteed issue burial insurance policy.

What is a Guaranteed Issue Burial Insurance?

Guaranteed life insurance plans are life insurance policies that do not require an applicant to take a medical examination or answer any health questions. This means that individuals with a severe medical condition like Alzheimer’s disease will qualify for coverage.

Guaranteed final expense insurance is whole life insurance, and it usually has a graded death benefit during the first two to three years of the policy.

If you are a U.S. citizen and live in the state where these policies are available and fall within the required age of 50 to 85, you should be able to qualify for a guaranteed life insurance policy.

The application process for guaranteed issue policy is quick it only takes a matter of minutes over your phone or computer. After the insurance company approved your application, your policy will be mailed to you. The two-year waiting period would begin after you paid your first monthly premium.

What is a Graded Death Benefit?

Guaranteed issue life insurance has a graded death benefit clause written into it that creates a waiting period before the death benefit will fully payout for a natural cause of death.

The natural cause of death is illness based such as cancer, stroke, heart disease, and diabetes, etc. Guaranteed issue life insurance will immediately pay for accidental causes of death, but will not cover natural causes of death until the waiting period or graded death benefit period has expired.

If you die during the waiting period as a consequence of Alzheimer’s, the company will merely refund all your premiums plus interest which is typically 10%. If you live beyond the graded period, 100% of your death benefit will be paid out regardless of the cause of death.

Having a graded death benefit does not devalue guaranteed issue policy because many Alzheimer’s patients have good physical health and will live many years beyond the waiting period.


  1. Easy to qualify – It is effortless to apply and get insurance coverage. There is no medical exam, and you don’t have to answer any health-related questions. You will surely qualify regardless of Alzheimer’s disease or any medical condition. Your approval is guaranteed if you meet the minimum age requirement.
  2. Level death benefit – The death benefit amount is fixed and guaranteed to never decrease for any reason. Your beneficiaries will receive the full amount if you pass away after the waiting period. The death benefit is 100% for accidental death at any time. The death benefit is 110% of all premiums paid during the first two years for the natural cause of death.
  3. Fixed monthly premiums. Your monthly premium is fixed and will never increase. Your rate is determined by your current age, and the premium will never go up because of your age or medical condition.
  4. The policy will never expire – Guaranteed issue burial insurance is whole life insurance that never expires as long as payments are made on time.
  5. Tax-free. Your death benefit payout will be given directly to your beneficiary tax-free.
  6. Builds cash value – Guaranteed issue policy accumulates cash value. It is a good savings option that builds up over time which you can borrow if you need money,


What to avoid with many commonly advertised Guaranteed Issue life insurance:

  • Increasing premium – A real guaranteed issue burial insurance has a fixed premium throughout the life of the policy.
  • Policy termination at age 80 – Guaranteed issue life insurance is whole life insurance that lasts a lifetime.
  • 3-year waiting period – The best-guaranteed issue life insurance has a two year waiting period only. Avoid this at all costs!

For this reason, it is important to work with an independent life insurance agency that has access to multiple life insurance companies offering a guaranteed issue policy.


The best-guaranteed issue burial plan has only two year waiting period, and it cost the least. If you have Alzheimer’s disease, then GI policy is an excellent choice for you because they have no medical exam and ask no health questions at all.

If you happen to pass away during the waiting period, AIG will return your premiums plus 10% interest to your beneficiary.


If your application for life insurance had been declined in the past, don’t believe that you can’t get affordable burial insurance through a different company. One of the biggest mistakes you can make is to avoid getting covered because of your medical condition.

Most people with Alzheimer’s disease that came to us have been declined at least once. The truth is if you fail to choose the right company you will surely be declined.


Trying to find dementia life insurance coverage or burial insurance with Alzheimer’s disease needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

If you have a health history of Alzheimer’s disease, let us help you; we will work with you side by side to find a plan that fits your needs.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We will shop your case to different insurance carriers and get you the best price.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will 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 Alzheimer’s disease funeral insurance, or Alzheimer’s disease burial insurance, or Alzheimer’s disease 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.