Burial Insurance With A Brain Tumor

Whether you had surgery to remove your brain tumor or suffer from other health complications, affordable burial insurance with a brain tumor is possible.

If your brain surgery was more than two years ago, and you have no other health issues since then, you have a greater chance of getting affordable burial insurance coverage.

Here is the good news….you can get an affordable funeral insurance plan even after having been formally diagnosed with a benign or malignant brain tumor!

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.


Yes, you can qualify for life insurance with a brain tumor.

If you have a brain tumor, if it is benign and completely removed, you will generally be accepted for level death benefit after two years.

If your brain tumor is malignant, coverage is usually possible, but you may need to pay more and to have a short waiting period for full benefits.

There is no instance where a brain tumor could prevent you from getting affordable burial insurance coverage. Many life insurance companies will willingly accept you even if you have malignant tumors.

Having malignant tumors may mean you will need to pay a little bit more if it’s very recent. However, if it was more than two years ago, there is a good chance that it won’t affect your insurability.

No matter what type of brain tumor you have, you will not have to take a medical exam or need to provide your doctor’s records. With burial insurance, there are only a few health questions to answer. In fact, in some cases, there are no health questions at all.


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 big problems when you’re seeking a final expense life insurance policy for a benign tumor. Most life insurance carriers understand the low risks of a benign brain tumor. They also know that it has 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


IF YOU HAVE A BENIGN BRAIN TUMOR (within the last 24 month)

Many applicants with benign brain tumors will find burial insurance with a brain tumor at level death benefit. You’ll only qualify for the best plan if you lead a healthy lifestyle and you have no other medical conditions.

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 deciding to give you their lowest rates.

In order to get instant protection with the lowest rate, you must apply with a final expense company that has underwriting. The insurance company will ask you a few health questions and check your prescription history before approving your application.


A modified plan or partial coverage is offered to those brain tumor applicants whose diagnosis or surgery is less than two years. If you pass away, your beneficiaries will receive a percentage of your death benefit.

If you die during the first year of the policy, your beneficiaries will receive 40% of your death benefit. If you pass away during the second year, they will receive 70% of your death benefit. The full death benefit will be given to them if you die in the third year of the policy.

If you don’t qualify for partial coverage, your best and the most affordable option would be to take out a guaranteed acceptance policy with AIG. It would be a lot cheaper than some graded death benefit plan.

IF YOUR BRAIN TUMOR IS OVER 24 MONTHS (but within the last 3 years)

If this is your case, your options are a little better. 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 honestly answer no to the brain tumor question.

You can qualify for the level death benefit to a few 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.


Level death benefit or immediate coverage will be offered to you if your brain tumor diagnosis is more than two years. 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.


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.


  • In the last two years, have you ever been diagnosed for 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?
  • In the last three years, have you been treated for brain cancer?

YOU ARE CURRENTLY IN TREATMENT (Chemotherapy, Radiation therapy or Surgery)

If you’re currently in treatment, meaning less than two years, you’ll only be eligible for a guaranteed issue burial insurance.


A guaranteed issue life insurance policy is best if you’re currently undergoing any type of treatment for a malignant brain tumor; you will qualify for this plan regardless of your brain tumor or medical treatments. You don’t even need to take a medical exam or answer any health questions to qualify.

While it cost a bit more than immediate coverage, you will not have to worry about the possibility of being rejected for coverage due to your malignant brain tumor.

If you have a malignant brain tumor or cancerous tumor, you can quickly get this plan. If you are 50-85 year old and a U.S. citizen you can easily be eligible for guaranteed acceptance plan.

YOU HAD A MALIGNANT BRAIN TUMOR (you have been treated for it within the last 24 month)

Every burial insurance company asks about a malignant brain tumor or cancerous tumor within a period of two years. If you were diagnosed with a malignant brain tumor and you’re currently undergoing treatment, you fall into the highest risk category. Due to this, you will only qualify for a modified plan.

Modified plan means you will have to pay 40 to 100% more in premiums. And, you will also have a two-year waiting period before your plan will pay for a natural cause of death. If you’ve been treated for malignant brain cancer within the last two years, you cannot escape the two-year waiting period.

There are times when it is cheaper to take out a guaranteed issue burial insurance. It has no medical exam or health questions, and you will easily qualify even if you have a malignant brain tumor. With guaranteed issue policy, you will only pay 20-40% more than the modified plan.


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. There are funeral insurance companies that only ask about malignant brain tumor 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 immediate coverage to those final expense insurance companies that only look back two years to a malignant brain tumor.

FINISHED TREATMENT (and past the waiting period)

If you have finished treatment for a malignant brain tumor and now in remission – you can now purchase immediate coverage. We can help you get approved for immediate coverage.


When applying for burial insurance, we will ask you some questions regarding your brain tumor to get a better idea of your overall health. This will help us determine what type of plan you will 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?
  • Do you have a family history of cancer?
  • Have you had any diagnostic lab test within the past six months?
Burial Insurance With A Brain Tumor Infographics



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 not see then ask about brain tumors for less than two years.


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

If you are taking any of these drugs, the life insurance companies will know that you have a brain tumor. 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.


Many factors determine the cost of your premium. It can be influenced by your age, gender, amount of coverage, type of tumor and its location.

Your overall health condition will also affect the cost of your coverage. This will include any serious health condition such as a malignant brain tumor, diabetes or any heart condition. But, if you are in good health in spite of your benign brain tumor, you will likely qualify for immediate coverage and pay the lowest premium possible.

However, if your brain tumor is malignant or cancerous and it spread to other parts of the body it can be considered severe – then your best choice will be guaranteed issue burial insurance.

It is important to note that different life insurance companies offer different prices for the same type of products. That is why it is very important to work with an independent life insurance agency like Funeral Funds that can shop and compare plans and prices.


Trying to find a policy with brain tumors 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 brain tumors, 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 brain tumor funeral insurance, or 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.