Burial Insurance with Dementia

If you think burial insurance with dementia is impossible, you are mistaken. In fact, most people with dementia or Alzheimer’s disease can get burial life insurance.

This misconception is the reason why many people with early-onset dementia go uninsured because they are embarrassed or afraid to attempt the application process.

If you have dementia, you must be aware, though, that your options are limited. Life insurance carriers only offer a policy that pays a full death benefit after the first two years of the policy.

If you or a loved one is seeking burial insurance with dementia, I can help. I work with top-rated life insurance companies that will provide you with affordable burial insurance coverage if you have dementia. I have helped many people diagnosed with dementia get approved for affordable life insurance. I can help you too.



Insurance companies care about dementia because they know that it is a gradual loss of brain function and behavioral abilities to the point that it interferes with daily living activities.

A person with dementia may also experience changes in mood or behavior. Dementia is not part of aging, but it is more common as people grow older.

Alzheimer’s disease is the most common cause of dementia in older adults. Alzheimer’s disease accounts for 60 to 80% of all cases. Vascular dementia is the second most common type of dementia. But other conditions can cause symptoms of dementia, including vitamin deficiencies and thyroid problems.

Dementia is a severe medical condition that significantly reduces life expectancy. Insurance companies understand that dementia and other disorders linked to dementia are serious diseases that cause premature death.


Progressive Dementia:

  • Alzheimer’s disease (burial insurance available)
  • Vascular dementia (burial insurance available)
  • Lewy body dementia (burial insurance available)
  • Frontotemporal dementia (burial insurance available)
  • Mixed dementia (burial insurance available)

Other disorders linked to Dementia:


There are two types of burial insurance:


Simplified issue burial insurance requires no medical exam to qualify. You only need to answer a few health questions. This is the best type of burial insurance because it offers first-day coverage. You will have no waiting period if you qualify for this plan.

I always try to get my clients’ first-day coverage because it offers the lowest possible premium. 82% of the people I helped qualified for first-day coverage. The sad fact is, people with dementia will never qualify for first-day coverage because every life insurance company asks about dementia in the health questionnaire.


Guaranteed issue burial insurance is a no medical exam and no health questions policy. Your approval is guaranteed regardless of your medical condition if you are within the age requirement.

If you have a severe medical condition or are considered uninsurable, this is your best insurance option if you have dementia.

Guaranteed acceptance burial insurance has the first-day coverage for the accidental cause of death. However, it comes with a two-year waiting period for health or medical cause of death. If you pass away during the waiting period, the insurance company will only refund your premiums plus 7-10% interest.


Most life insurance companies refuse to provide traditional term or whole life insurance coverage to people with dementia because of their risk evaluation.

Dementia won’t cause death, but it dramatically increases the chance of death.

The average person diagnosed with Alzheimer’s is expected to live between 8 to 10 years, though some people can live up to 20 years after the first diagnosis. Medication can slow the progression of the disease, but it can’t be cured.

Simplified issue burial insurance with health questions ask about dementia. Also, the company will check prescription history to verify your health status.

One of the first questions you will see on a regular burial policy application is, “Do you have a diagnosis and treatment for dementia or Alzheimer’s disease?”

If you say “yes,” the insurance company will decline your dementia life insurance coverage application.

I understand that you want to get the best insurance coverage. If you think you can get away with it by answering “no” to the health questions. Think again, the insurance companies have a way of checking your medical condition. They will perform a medication history check to verify your health.

If you lied about having dementia on the application, they would know the truth by merely looking at your medication history.

There are some dementia medications they are on the lookout for. Filling a prescription for any of these drugs will put you on the applicant with the dementia category.

Here’s a list of common dementia drugs:

  • Acetyl L-Carnitine
  • Aricept
  • Cognex
  • Donepezil
  • Ergoloid Mesylates
  • Exelon
  • Galantamine
  • Hydergine
  • Namenda
  • Namzaric
  • Razadyne
  • Reminyl
  • Rivastigmine Tartrate

The presence of these drugs on your prescription history check will confirm that you have dementia, and this will override your “no” answer on the health questions of the application.

The insurance companies offering simplified issue burial insurance will also conduct a database check via the Medical Information Bureau. MIB will show your insurance application in the last few years. If you applied for insurance and got denied, the insurance company will want to know why. Any conflicting information on your application will also raise a red flag.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Dementia Infographics


Good news! People with dementia can get guaranteed issue life insurance plans.

A guaranteed issue policy is a no questions life insurance. You don’t need to undergo a medical exam or answer health questions on the application. This policy is intended for people with pre-existing high-risk conditions like dementia. You can get approved for coverage regardless of your medical condition.

Who qualifies for a Guaranteed Issue life insurance?

  • You must be a U.S. citizen.
  • You must reside in the state where the product is available.
  • You must be between the ages of 40-85
  • You must have a mental ability to enter into a legal contract.

The minimum age requirement to obtain burial insurance with dementia is 50, but we know the companies that provide coverage to persons as young as 40 or 45. If you are a U.S. citizen and live in the state where these policies are sold and fall within the required age requirement, you will qualify for this policy.

Guaranteed life insurance is whole life insurance, and it is usually graded during the first two years for natural death. Each company that offers this policy will require a two-year waiting period, but few have a three-year waiting period. No insurance company pays out death benefits for the first two years.

Guaranteed issue final expense insurance has a graded death benefit written on it, which creates a waiting period. The insured must wait two years before the policy begins to provide coverage if you die from natural causes.

If you pass away from illness as a consequence of your dementia, the company will pay your beneficiary all the premiums you paid on the policy plus 7-10% interest. After the two-year waiting period, the policy will pay 100% of the death benefit for death of any reason.

Guaranteed issue policies usually pay 100% of the death benefit from day one if you die from an accident.

As dementia progresses, it can cause organ failure and other health complications. There may also be pre-existing chronic diseases such as heart disease, COPD, and diabetes. Other diseases that may occur to Dementia patients are strokes, Alzheimer’s disease, and other genetic disorders.

This is why guaranteed issue burial insurance and guaranteed issue funeral insurance is your only option with dementia.

Guaranteed issue life insurance companies do not care how mild or severe your cognition loss due to dementia because you will be covered with no health questions asked.

The companies do not require a medical exam, medical record, prescription history, or phone interview for dementia insurance. Guaranteed issue insurance policies are great for people who have difficulty answering application questions coherently.

You or your loved one with dementia can easily get coverage. Just fill out the application on the phone or online. Provide your beneficiary and payment information, and you will automatically have burial insurance.


  1. Ease of coverage. It is effortless to qualify and get coverage without health questions or medical exams. Your approval is guaranteed if you meet the age requirements.
  2. Fixed monthly premiums. Your monthly insurance bill is fixed and guaranteed never to go up. Your rate will be computed at your current age, and the premium will never increase regardless of your age or medical condition.
  3. The death benefit is fixed. Your death benefit amount will never decrease for any reason. Your beneficiary will receive the amount on your policy when you pass away.
  4. Your policy will never expire. Guaranteed issue policy is whole life insurance that will never expire as long as you pay the premiums on time.
  5. Tax-free. Your death benefit will be paid directly to your beneficiary tax-free.
  6. You can choose a minimal amount of coverage. The coverage for guaranteed issue policy ranges from $1,000 to $25,000.
  7. Cash value accumulation. The guaranteed issue policy has a cash value component. It is a good savings option that accumulates over time.


People with dementia will not qualify for traditional life insurance with first-day coverage. Only guaranteed issue life insurance will provide insurance coverage for people with this condition. If you were just diagnosed with dementia or in the early stage of dementia we recommend you get a guaranteed issue life insurance.

Ideally, shopping for life insurance must be done before you are diagnosed with dementia. But if you find yourself with dementia all the more, you need burial insurance to take care of your final expenses. Unless you have substantial savings or another policy to pass along to your family, it is a wise financial move to apply for guaranteed life insurance protection now.

The sooner you get coverage, the better because of the two-year waiting period.

Because guaranteed issue burial insurance has a mandatory waiting period, it is always best to apply for coverage as soon as possible. The sooner you begin working through the waiting period, the sooner you will be fully covered. Additionally, your monthly premium is based on your current age. You will save on premium if you apply now at your current younger age.

If you want to make sure that your final expenses will not be a burden to your family, then getting a guaranteed issue, life insurance policy is worth purchasing no matter what your age is. Your beneficiary will receive the 100% death benefit in as little as two years.

Coverage requirements and policy limitations vary from company to company; this is why it is essential to work with an independent agent that can walk you through the whole process.

Whether you are looking for burial insurance with dementia for yourself or a loved one with this condition, I can help you find the best insurance carrier that offers the best price.


To find the best burial insurance with dementia, you need to work with an experienced independent life insurance agency like Funeral Funds that represent many insurance companies.

Funeral Funds is experienced in life insurance for people with cognitive issues like dementia. By working with an independent agency that specializes in burial insurance coverage with dementia, you increase your chances of finding the most affordable plan.

Beware of inexperienced and less knowledgeable insurance agents because they will cost you a lot of money by selling you overpriced burial insurance policies.

Getting affordable burial insurance with dementia doesn’t have to cost you an arm and a leg.

My job at Funeral Funds is to be the most knowledgeable burial insurance expert you can trust. Once I learn about your age and health history, I can give an accurate quote from burial insurance companies that offer the best premium.

I will assist you in securing the coverage you need at a rate you can afford. Fill out the quote form on this page or call us at (888) 862-9456 if you want to know your options.