2024 Burial Insurance with Neurological Disorder

Finding affordable burial insurance with neurological disorders should cause no major concern because there are different insurance options available even with these conditions.

You can still buy an affordable burial insurance policy even if you’re diagnosed with any of these medical conditions.

We put together this article as a complete guide to neurological disorder burial insurance, so you can find out how having neurological problems will affect your insurance eligibility when you apply for a burial insurance policy.

FOR EASIER NAVIGATION:


What Is My Best Insurance Option If I Have A History Of Neurological Disorder?

Below is a list of neurological disorders and their best insurance option.

AMYOTROPHIC LATERAL SCLEROSIS (ALS), also known as Lou Gehrig’s disease, is characterized by slowly progressive degeneration of upper and lower motor neurons. ALS can be fatal because it can cause respiratory muscle weakness.

People with ALS can buy guaranteed issue burial insurance at whatever stage they are in. The minimum age requirement is 50 to 80, and if you’re a US citizen and you fall within the age requirement, you can qualify for this plan.

Best Option: Guaranteed issue burial insurance


ALZHEIMER’S DISEASE – is a slowly progressive brain disease characterized by memory impairment that may lead to disturbances in reasoning, perception, language, and planning.

To secure burial insurance with Alzheimer’s disease, you only have one option for coverage. You can get a guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance


BRAIN ANEURYSM – weakness in the vein or cerebral artery wall causes a ballooning or localized dilation of the blood vessel.

If your aneurysm surgery were over two years, you would easily qualify for level death benefit with first-day coverage.

Best Option: Level death benefit with first-day coverage


If your aneurysm surgery is recent or less than one year, your best option for burial insurance coverage is to get a guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance


CEREBRAL PALSY – is caused by brain abnormalities that control muscle movements. This condition often appears in infancy and permanently affects muscle coordination and body movement but worsens over time.

There are insurance companies that are perfectly okay with you having cerebral palsy. They will accept your application and charge you the same rate as someone without this condition.

Best Option: First-day benefit plan


If your cerebral palsy causes you to need home health care or activities of daily living, your best insurance option is a guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance


DEMENTIA – it is a brain disease that causes a progressive decline in cognitive function. Dementia is more common in the geriatric population.

To get life insurance with dementia, you only have one option for coverage. You can only get a guaranteed issue burial insurance.

Best Option: Guaranteed Issue burial insurance


DOWN SYNDROME – Insurance companies will consider any physical or mental impairment you may have. Every applicant must have the mental and cognitive ability to understand policy details to be approved for a policy.

People with Down syndrome may have other health issues like congenital heart disease and a shorter life expectancy compared with the average person.

Best Option: Guaranteed issue burial insurance


EPILEPSY – if you have absence seizures and your epilepsy is well controlled, meaning you do not have any seizures in the last 24 months, you will qualify for level death benefit with the lowest rates.

Best Option: Level death benefit with first-day coverage


If you have had severe seizures in the past 24 months that results in hospitalization, you can consider getting insurance coverage from one of the top-rated burial insurance companies.

Best Option: First-day benefit plan


FIBROMYALGIA – this neurological disease affects a person’s sensory processing system. If you can manage your pain well and your condition is under control, and you don’t need much medication, you can qualify for the best plan.

Best Option: Level death benefit


If your fibromyalgia is severe and your chronic pain is not well controlled, you can’t work and do any of the activities of daily living such as bathing, dressing, eating, transferring, toileting, and continence.

Best Option: Guaranteed issue burial insurance


HUNTINGTON’S DISEASE – Huntington’s disease isn’t considered a terminal illness, but the complications caused by this disease can reduce life expectancy.  As Huntington’s disease progresses, the ability for self-care declines, and caregiving services become increasingly necessary. As your condition gets worst, you may require help from others with your activities of daily living.

Most insurance companies ask if you have Huntington’s disease. If you do, they will only offer you a guaranteed issue burial insurance, which does cost a bit more and pays out limited benefits during the first two years.

Best Option: Guaranteed issue burial insurance


MUSCULAR DYSTROPHY – a group of more than 30 genetic diseases that exhibit progressive weakness and deterioration of the skeletal muscles that control movement.

If your muscular dystrophy is mild where you can still work and do activities of daily living on your own, some companies will offer you a first-day benefit plan.

Best Option: First-day benefit plan


If your muscular dystrophy gets worse and you need to use a wheelchair for mobility, or you need assistance with daily living activities, guaranteed issue burial insurance is your only option to get coverage.

Best Option: Guaranteed issue burial insurance


HEREDITARY NEUROPATHY – symptoms of this group of disorders include numbness in the feet and hands, muscle weakness, thin lower legs, scoliosis, feet deformities, and insensitivity to pain.

Some insurance providers will approve your application and give you a level death benefit if your condition is mild and you don’t have impairment in mobility.

Best Option: Level death benefit with first-day benefits


If your neuropathy causes mobility impairment where you need help with activities of daily living, your only insurance option is a no health question plan.

Best Option: Guaranteed issue burial insurance


PARKINSON’S DISEASE – PD symptoms are tremors in the face, jaw, hands, arms, and legs and; rigidity of the limbs and trunk causing postural instability, slowness of movement, or impaired movement balance and coordination. As these symptoms worsen, patients may have difficulty talking, walking, or completing other simple tasks.

Parkinson’s patients in stage 1 or unilateral involvement and stage 2 or bilateral involvement but normal stance can qualify for a level death benefit if they do not have any other severe medical conditions.

Best Option: Level death benefit with first-day coverage


Parkinson’s patients in Stage 4 or bilateral involvement with postural instability, who require help with daily living activities, and a Stage 5 severe condition where you are restricted to a bed or wheelchair are considered in the most advanced stage of the disease and will only qualify for GI policy.

Best Option: Guaranteed issue burial insurance


TRAUMATIC BRAIN INJURY (TBI) – also called intracranial injury or head injury, occurs when a sudden trauma causes brain damage.

TBI patients with mild impairment but able to work and do activities of daily living independently will easily qualify for level death benefit with immediate coverage from day one.

Best Option: Level death benefit with a first-day benefit


If you have severe impairment because of TBI and need assistance in performing any activities of daily living, you may be confined to a bed or wheelchair, may also need tube feeding, and the ventilator will only qualify for guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance


TRANSIENT ISCHEMIC ATTACK – (TIA) is a transient stroke that only lasts for a few minutes. TIA symptoms can occur suddenly; they are identical to stroke but do not last as long. Most TIA symptoms disappear within an hour, although they may last for up to 24 hours.

If your last attack were over two years ago, you would have the best insurance options available. Most final expense insurance companies only look back two years on TIA. Since it’s been more than two years since your last attack, you will now qualify for level death benefit with any company.

Best Option: Level Death Benefit with first-day coverage


If you recently had a mini-stroke, you cannot avoid a full two-year waiting period. Every insurance company will not approve recent TIA patients for their level death benefit with immediate coverage.

Best Option: First-day benefit plan


OTHER FACTORS THAT MAY AFFECT UNDERWRITING

WHEELCHAIR USE

Most life insurance companies ask about wheelchair use. Many applicants with a neurological disorder start using wheelchairs when they lose muscle mass and their muscles become weak.

Wheelchair use because of chronic illness is an automatic decline for most insurance companies. Your only option to get life insurance coverage is a guaranteed issue policy with no health questions.

Best Option: Guaranteed issue burial insurance


ASSISTANCE WITH ACTIVITIES OF DAILY LIVING

If you have a severe type of neurological disorder, you may require some help with activities of daily living.

Insurance companies define activities of daily living activities as needing assistance with the following: eating, bathing, dressing, toileting, transferring, and continence.

Every life insurance company always asks if you need help in performing activities of daily living. If you have a severe type of neurological disorder, you will need help with ADL’s as your condition gets worse.

Most burial insurance companies will not offer you a level death benefit plan in this situation, and getting a guaranteed acceptance life insurance is your only option.

Best Option: Guaranteed issue burial insurance


HOME HEALTH CARE

This case is the same as that of needing help with daily living activities.

Only a few insurance companies will approve applicants who need home health. If you require permanent home health care, your best option to get insurance coverage is to purchase guaranteed issue burial insurance.

Best Option: Guaranteed issue burial insurance


What Types Of Burial Insurance Should I Avoid?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


What Type Of Burial Insurance Is Best?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


If I Have A Neurological Disorder, 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 neurological disorder.

When you apply for burial insurance with a neurological disorder, you only have to answer some basic questions about your health. The application process is simple, and 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 Neurological Disorder

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

When you’re applying for final expense insurance with a neurological disorder, your answer to the health questions carries the most weight in determining your plan.

If a company does not ask about a particular health issue, it means they will accept you if you have this condition.

Answering yes to any health question will either get a higher premium or a waiting period during the first 2 years of the policy.


PRESCRIPTION HISTORY CHECK

The insurance companies will also perform prescription history checks as part of underwriting. They will see what medications you are taking to treat any medical condition.

The prescription history check will validate your health and your answer to the health questions. If you fill any prescription drug, the company will assume you are taking it to treat a medical condition.


THE EFFECT OF NEUROLOGICAL DISORDER ON LIFE INSURANCE ELIGIBILITY

According to Disabled World, more than 600 neurological disorders affect millions of people each year. These disorders can cause significant pain, and severe cases can cause disability.

Some neurological disorders can sometimes be life-threatening conditions that could impact the ability to secure low-cost life insurance.

Many people with a neurological disorder may have been turned down for life insurance coverage in the past. Most life insurance providers don’t want to deal with people with higher health risks. However, it is possible to secure insurance coverage if you have this condition.

When considering buying final expense insurance with a neurological disorder, you first must understand that you can almost always qualify for affordable coverage.

The severity of your condition, the method of treatment, and complications may reduce your chances of getting approved for the best plan. If you have some complications, you’re confined to a bed or wheelchair, need home health care, or cannot do any activities of daily living, you will need to pay more and have a waiting period.


How Much Insurance Do I Need If I Have A Neurological Disorder?

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.


Neurological Disorder 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 other riders 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-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


Information We Need If You Have A Neurological Disorder

When applying for burial insurance with a neurological disorder, we will ask you some health questions to understand your health and provide you with an accurate quote.

  1. When were you diagnosed with a neurological disorder?
  2. What type of neurological disorder do you have?
  3. Do you have any other medical issues as a result of your neurological disorder?
  4. Have you ever been hospitalized due to a neurological disorder?
  5. What prescription medications are you currently taking?
  6. Do you live independently, or do you require home health care?
  7. Do you need help with daily living activities such as eating, bathing, dressing, toileting, transferring, and continence?
  8. Do you have other health issues aside from neurological disorders?

We need to ask you these questions to assess your current health. You are responsible for answering as honestly as possible and to the best of your ability. Doing this allows us to give you an accurate quote and ensures that the insurance company we recommend is the best fit for your needs.


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 Neurological Disorder

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with a neurological disorder
  • Cremation insurance plan with a neurological disorder
  • Funeral home insurance plan with a neurological disorder
  • Final Expense insurance plan with a neurological disorder
  • Prepaid funeral plan insurance with a neurological disorder
  • Mortgage payment protection plan with a neurological disorder
  • Mortgage payoff life insurance plan with a neurological disorder
  • Deceased spouse’s income replacement plan with a neurological disorder
  • Legacy insurance gift plan to family or loved ones with a neurological disorder
  • Medical or doctor bill life insurance plan with a neurological disorder

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 a policy if you have a neurological disorder 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 dirty 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 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 neurological disorder funeral insurance, neurological disorder burial insurance, or neurological disorder life insurance. 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 Neurological Disorder

What qualifies as a neurological condition in life insurance?

A neurological condition is generally classified as impacting the nervous system. This can include conditions such as Alzheimer’s disease, Parkinson’s disease, and multiple sclerosis. Some insurance providers may also classify other conditions, such as a stroke, as neurological conditions. It is important to speak with an insurance provider to determine if your specific condition qualifies as a neurological condition.


Can a person with a neurological disorder get burial insurance?

Yes, a person with a neurological disorder can get burial insurance. However, it is important to speak with a qualified insurance agent to determine what type of plan you will qualify for if you have a neurological disorder.


What are the top neurological disorders in life insurance?

The top neurological disorders in life insurance vary by provider. However, some of the most common neurological conditions include:

  • Amyotrophic Lateral Sclerosis
  • Alzheimer’s Disease
  • Brain Aneurysm
  • Cerebral Palsy
  • Dementia
  • Down Syndrome
  • Epilepsy
  • Huntington’s disease
  • Muscular dystrophy
  • Parkinson’s disease
  • Traumatic brain injury
  • Stroke


Do I need to take a medical exam if I have a neurological disorder?

No, you generally do not need to take a medical exam if you have a neurological disorder. However, it is important to speak with an insurance provider to see if you are eligible for coverage.


What should I do if I have a neurological disorder and want life insurance?

If you have a neurological disorder and want life insurance, it is important to speak with a qualified independent life insurance agent who can recommend the best plan based on your medical condition.


Is there an age limit for burial insurance with a neurological disorder?

You can apply for burial insurance if you are 18-85 years old even if you have a neurological disorder.


Is functional neurological disorder a critical illness?

There is no consensus on whether a functional neurological disorder is a critical illness. Some providers may classify it as a critical illness, while others may not. It is important to speak with an insurance provider to see if your condition qualifies as a critical illness.


Is a neurological disorder considered a terminal illness?

Some neurological disorders are considered terminal illnesses, depending on the severity.


Is neurological disorder a pre-existing condition for life insurance?

Yes, a neurological disorder may be considered a pre-existing condition for life insurance. Any medical condition you have prior to life insurance applications are considered a pre-existing condition.


Do I need to tell insurance about my neurological disorder?

Yes, you are obligated to disclose all medical conditions when applying for life insurance. This includes any neurological disorders you may have.


Can I get life insurance after a neurological disorder?

It is possible to get life insurance after a neurological disorder. However, it is important to speak with an insurance provider to see if you are eligible for coverage. Some providers may not offer coverage if you have a neurological disorder.


Can you get first-day coverage insurance if you have a neurological disorder?

It is possible to get first-day coverage insurance if you have a neurological disorder depending on the severity of your condition.


What are the things that may affect my eligibility if I have a neurological disorder?

The things that may affect your eligibility if you have a neurological disorder include:

  • The severity of your condition
  • Your age
  • The type of life insurance policy you are applying for
  • How long you have had the neurological disorder
  • If you are able to work
  • If you are taking medication for your neurological disorder


What is the life expectancy after a neurological disorder diagnosis?

The life expectancy after a neurological disorder diagnosis varies depending on the type of neurological disorder. You should speak with your doctor to get an accurate estimate.


Which insurance is best for patients with a neurological disorder?

First-day coverage plan is the best option for people with a neurological disorder. However, those who are bound to a wheelchair needs help in performing activities of daily living, and those who need home health care will only qualify for guaranteed issue life insurance.


Can I qualify for cremation insurance with a history of neurological disorder?

Yes, you can qualify for cremation insurance with a history of neurological disorders. However, the eligibility will depend on the severity of your condition and the type of life insurance policy you are applying for.


What should I do if I have questions about life insurance coverage for a neurological disorder?

Answer the health questions honestly and declare your condition.

Is there an age limit for burial insurance with a neurological disorder?

Most life insurance companies offer coverage up to 85 years old.


Is neurological disorder fatal in life insurance?

No, a neurological disorder is not automatically fatal in life insurance. However, some neurological disorders may be considered terminal illnesses depending on the severity.


Can you be denied insurance for a neurological disorder?

Yes, you can be denied insurance for a neurological disorder. However, the eligibility will depend on the severity of your condition and the type of life insurance policy you are applying for.


Is there a waiting period for life insurance with neurological disorders?

Guaranteed issue life insurance has a two-year waiting period.


Can neurological disorders affect your life insurance rates?

Yes, neurological disorders may affect your life insurance rates. The rates will depend on the severity of your condition and the type of life insurance policy you are applying for.


Can neurological disorder medication affect my premium?

Yes, neurological disorder medication may affect your premium. The rates will depend on the severity of your condition and the type of life insurance policy you are applying for.


Are there any companies that do not require a medical exam for life insurance with a neurological disorder?

Yes, some companies do not require a medical exam for life insurance with a neurological disorder. However, the eligibility will depend on the severity of your condition and the type of life insurance policy you are applying for.


What are the premiums for burial insurance with a neurological disorder?

The premiums for burial insurance with a neurological disorder will depend on the severity of your condition, age, gender, coverage amount, location, and the type of life insurance policy you are applying for.


Does neurological disorder affect my ability to get life insurance?

Yes, neurological disorders may affect your ability to get life insurance. Your eligibility will depend on the severity of your condition and the type of neurological disorder you have.


What is the average cost of life insurance for someone with a neurological disorder?

The average cost of life insurance for someone with a neurological disorder will depend on the severity of your condition, age, gender, coverage amount, location, and the type of life insurance policy you are applying for.


Can neurological disorder patients get final expense insurance?

Yes, neurological disorder patients can get final expense insurance. However, the plan you will qualify for will depend on the severity of your condition and the type of life insurance policy you are applying for.


Is neurological disorder covered by a critical illness rider?

Some life insurance policies may offer a critical illness rider for neurological disorders. The coverage amount and the type of neurological disorder that is covered will depend on the policy you are applying for.


What is the waiting period for guaranteed issue life insurance with a neurological disorder?

The waiting period for guaranteed issue life insurance with a neurological disorder is two years.


Can neurological disorders affect life insurance?

Yes, neurological disorders may affect your life insurance. The rates will depend on the severity of your condition and the type of life insurance policy you are applying for.


Do I have to disclose my neurological disorder when getting life insurance?

Yes, you will have to disclose your neurological disorder when getting life insurance. The severity of your condition and the type of life insurance policy you are applying for will determine your eligibility.


Can you be rejected for life insurance because of a neurological disorder?

Yes, you can be rejected for life insurance because of a neurological disorder. If your neurological disorder cause you to be wheelchair-bound, have difficulty in doing activities of daily living, and you need home health care some life insurance companies will reject your application for a first-day coverage plan.


How can you get the best life insurance rates with a neurological disorder?

You can get the best life insurance rates with a neurological disorder by working with an independent life insurance agent from Funeral Funds who can price shop for you to find the best rates.


What are the best life insurance companies for neurological disorders?

The best life insurance companies for neurological disorders may vary depending on the severity of your condition and the type of life insurance policy you are applying for.


What are some tips for getting life insurance with a neurological disorder?

Some tips for getting life insurance with a neurological disorder are to work with an independent life insurance agent, disclose your condition fully, and shop around for the best rates.


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