2024 Burial Insurance after a Stroke

There are affordable coverage options for burial insurance after you’ve had a stroke.

In fact, most people qualify for first-day coverage insurance once we know more about their current health and what state they live in.

If you or someone you love had a stroke, we will walk you through how you will qualify for first-day coverage insurance and how to find the best-priced burial insurance.


What Is Stroke?

A stroke is a medical emergency that happens when blood flow to part of the brain is interrupted. Without blood, brain cells can’t get the oxygen and nutrients they need, and they start to die. The longer a stroke goes untreated, the more brain cells die.

There are two main types of strokes:

  • Ischemic stroke: This is the most common type of stroke, accounting for about 87% of all strokes. It happens when a blood clot blocks an artery that supplies blood to the brain.
  • Hemorrhagic stroke: This type of stroke happens when a blood vessel in the brain bursts (ruptures) and bleeds. The leaked blood puts pressure on brain cells, damaging them.

Strokes are a leading cause of death and disability. According to the Centers for Disease Control and Prevention (CDC), stroke is the fifth leading cause of death for adults in the United States. Each year, about 795,000 people in the United States have a stroke. About 130,000 of these strokes are fatal.

Here’s what insurance companies typically consider when evaluating someone with a stroke:

  • Severity of the Stroke: A mild stroke with full recovery will likely have less impact than a major stroke with lasting complications.
  • Time Since Stroke: The longer it’s been since your stroke with no recurrence and good overall health, the better.
  • Current Health Status: They’ll consider if you have any lingering effects or require ongoing medical treatment.

Can I Get Burial Insurance After A Stroke?

Yes, people will often qualify for first-day coverage insurance with no waiting period if there are no problems performing daily living activities (eating, bathing, dressing, toileting, etc.). 

What Are The Types Of Burial Insurance For People Who Had A Stroke?

First-Day Coverage – This type of life insurance policy does not require a medical exam. You only need to answer a few health questions; it has immediate coverage and no waiting period. 

Guaranteed Issue – This insurance has no medical exam and no health questions. Guaranteed issue life insurance policies are designed for people who may not qualify for traditional term life insurance or whole life insurance due to serious health issues.

The downside of guaranteed issue whole life insurance is the two-year waiting period, and the premiums are higher than first-day coverage insurance. During this waiting period, if you were to pass away, you would not get the full death benefit. The policy would only pay out the premiums you have paid plus 7-10% interest (depending on the company).

What Factors Affect Insurance Eligibility If You Had A Stroke?

4 Questions that will help determine your eligibility for first-day coverage insurance: 

  1. Are you able to perform activities of daily living?
  2. Are you confined to a nursing facility or home healthcare
  3. Do you have any physical and mental impairments due to stroke
  4. Has there been two or more hospitalizations in the last two years

What Is My Best Insurance Option After A Stroke?

YOU HAD A STROKE BUT CAN DO ACTIVITIES OF DAILY LIVING – You can get approved for first-day coverage if you have a stroke, receive treatment and medication, and can do daily living activities on your own.  

YOU NEED HELP IN ACTIVITIES OF DAILY LIVING (ADLs) – Examples of ADLs are eating, bathing, dressing, transferring, toileting, and continence.If you need help in any of the ADLs, you will only qualify for a guaranteed issue whole life insurance.

YOU ARE IN A NURSING HOME – Some stroke patients need a nursing home to rehabilitate because of the severity of their stroke.  Unfortunately, most life insurance companies ask about nursing home confinement.

If you are currently staying in a nursing home for rehabilitation, your only insurance option is to get a no health question guaranteed issue life insurance policy. 

YOU REQUIRE HOME HEALTH CARE – Some stroke patients need home health care either temporarily or permanently. Either way, burial insurance companies offering first-day coverage insurance will ask about home health care just like they did with activities of daily living.

If you are currently receiving home health care because of a stroke, your only option is to get a guaranteed issue life insurance.

YOU HAVE PHYSICAL IMPAIRMENTS FROM STROKE – A stroke can cause physical impairments, weakening the muscles on one side of your body and impairing joint movement. A stroke can make it difficult to walk and perform other physical activities. These impairments can be temporary or permanent, but they could prevent your ability to get first-day coverage, and your only option is a guaranteed issue life insurance.

YOU HAVE BEEN HOSPITALIZED 2 OR MORE TIMES IN THE LAST TWO YEARS – If you’re currently hospitalized or have been hospitalized two or more times in the past two years, you’re only option is a guaranteed issue whole life insurance.

Do I Need A Medical Exam To Qualify For Burial Insurance?

No. When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is straightforward, and you don’t need to get your medical records from your doctor or send in blood and urine samples.

With first-day coverage, you’ll often get approved by the insurance company within minutes!

What Is The Cost Of Burial Insurance If I Had A Stroke?

The cost of burial insurance after a stroke will depend on your:

  • Age
  • Coverage amount
  • Gender
  • General health
  • State of residence
  • Smoking status
  • Type of policy

Burial Insurance Underwriting for Stroke

Burial insurance companies offering first-day coverage insurance have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to these questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.

HEALTH QUESTIONS EXAMPLES – You will often find stroke history questions asked in the application form this way:

  • During the past 24 months, have you been diagnosed by a physician as having a stroke or other circulatory issues?
  • Within the past 2 years, have you had or been diagnosed with stroke or Transient Ischemic Attack (mini-stroke)?
  • Within the past 24 months, have you been diagnosed or treated by a member of the medical profession for stroke or transient ischemic attack?

PRESCRIPTION HISTORY CHECK – Every burial insurance life insurance company will look at your medications. Some medicines are common for stroke patients. If you are taking one or more of these medications, the company will often assume you had a stroke in the past.

Here are the most common medications for stroke:

  • Activase
  • Aggrenox
  • Clopidogrel
  • Coumadin
  • Heparin
  • Jantoven
  • Nimodipine
  • Nimotop
  • Plavix
  • Ticlid
  • Warfarin

Information We Need If You Had A Stroke

We will often ask some or all of the following questions:

  • When did you have a stroke?
  • What was your age when you had your stroke?
  • What kind of stroke did you have?
  • What medications are you taking?
  • Do you have any physical impairments resulting from your stroke?
  • Can you perform daily living activities on your own?
  • Do you require home health care, nursing, or rehabilitation?

Once we know your medical history, we can provide you with the best recommendation. 

What To Do If Your Insurance Application Was Rejected Because Of Stroke

If your insurance application was rejected in the past because of a stroke, we will do our best to get you approved for first-day coverage life insurance by shopping multiple life insurance companies that accept applicants with a stroke history.

How To Apply For Burial Insurance After A Stroke

  1. Work with an Independent Insurance Agent – Ask for assistance from independent insurance agents specializing in underwriting for stroke. An independent insurance agent can help you understand your options, compare quotes, and choose the most suitable burial insurance plan.
  2. Complete the Application Honestly – When filling out the life insurance health questionnaire, be truthful about your stroke and other health issues. You need to provide accurate details about your health, treatments, and any lifestyle changes you’ve made. 
  3. Review and Confirm Policy Details – Carefully review the policy terms before confirming your acceptance. Make sure the insurance coverage meets your needs and your budget.

How Can Funeral Funds Help Me?

Here at Funeral Funds, we specialize in getting life insurance coverage for people who have suffered a stroke.

We work with many A+ rated insurance companies that specialize in high-risk clients. We will search those companies to give you the best rate. We’ll match you up with your best life insurance option.

We will assist you in securing the coverage you need at a rate you can afford. So, if you’re looking for burial insurance for stroke, we can help. Fill out our quote form on this page or call us at (888)862-9456 to get accurate quote burial insurance quotes.

Funeral Insurance, Final Expense Insurance, Burial Insurance After A Stroke Infographic

Frequently Asked Questions

Can I get life insurance if I’ve had a stroke?

Yes, you may even qualify for first-day coverage if you have no physical or mental impairments resulting from the stroke.

Is a stroke a critical illness?

A stroke is a critical illness; it is caused by a blockage in an artery that leads to the brain. It can be severe and can lead to death and uninsurability for burial insurance.

Which insurance is best for patients with stroke?

A first-day coverage final expense insurance is the best option for people who have had a stroke.

Is stroke considered a pre-existing condition in insurance?

Yes, any health impairment you have before applying for life insurance is considered a pre-existing condition.

Can you be denied life insurance for stroke?

Yes, if your stroke is recent, or if you cannot perform activities of daily living on your own, you may be denied first-day coverage insurance.

What is my best insurance option if I have a stroke and use a wheelchair?

Guaranteed-issue life insurance is your best option. This type of policy does not require a medical exam, and you will be approved for coverage regardless of your medical condition.

What are the things that may affect my life insurance eligibility if I have a stroke?

The severity of your stroke, home health care, nursing home confinement, wheelchair use, and ability to perform activities of daily living.

Can I get cremation insurance after a stroke?

Yes,  and people often qualify for first-day coverage insurance with the right insurance companies.

Is it harder to get life insurance after a stroke?

Possibly…but getting life insurance after a stroke can be easier if you work with an independent life insurance agent.

What is the best age to get life insurance if you’ve had a stroke?

The best age to get life insurance is when you are young and healthy, as your premiums will be lower. 

What is the average cost of life insurance after a stroke?

The average cost will depend on your stroke’s severity, age, coverage amount, policy type, and location. 

Can stroke affect life insurance?

Yes, the cost of your premiums may be higher if you have physical or mental impairments. You may not be able to get first-day coverage life insurance if you cannot perform daily living activities on your own.

Can you be rejected for life insurance because of a stroke?

Yes, if you cannot perform activities of daily living, you are hospitalized, or in a nursing home, you can be rejected for first-day coverage insurance.

Is there an age limit for burial insurance with stroke?

You need to be 18-89 years old to buy burial insurance.

How can you get the best life insurance rates with stroke?

The best way to get the best life insurance rates with a history of strokes is to work with an independent life insurance agent who can shop multiple insurance companies for you.

Do you have to tell insurance about TIA or mini-stroke?

Yes, but only if they ask about it in the health questionnaire.


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