Burial Insurance after a Stroke

Finding burial insurance with a stroke history can be challenging. Your eligibility depends on many factors that we will discuss in this article.

The good news for most folks is that there are affordable options available.

If you or someone you love had a stroke, then we will show you how you will qualify for the best-priced coverage, and how to find affordable burial insurance after a stroke.

FOR EASIER NAVIGATION:

WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF STROKE?

You can qualify for burial insurance after a stroke. Your burial insurance options will largely depend on the last time you had a stroke. If your stroke has been over two years, you will qualify for the best plan. But, if your stroke is very recent, you will need to pay a higher premium and have a waiting period.

Four things could impact your eligibility if you have had a stroke:

  • The date of your last stroke
  • Physical or mental impairment as a result of your stroke
  • The medications you are taking
  • Other health conditions

The date of your last stroke and physical and mental impairment are the two most important factors that will affect your insurance eligibility. The more time that has passed since your stroke, the better options you will have.


YOUR LAST STROKE WAS OVER TWO YEARS AGO

Most burial insurance companies ask about strokes within the last two years. Since it’s been over two years now since your last attack, you can get approved for a level death benefit plan with first-day coverage with each company, and you will have no waiting period at all.

Best Option: Level death benefit plan with first-day coverage

Level death benefit plans are simple because and it provides a 100% death benefit from the first day of the policy. You will also pay the lowest premium with this plan.


YOUR STROKE WAS OVER A YEAR AGO BUT WITHIN THE LAST TWO YEARS

If your last stroke was over a year ago, you will have better options.

There are some insurance companies that only ask about strokes within the last year. Since your last stroke was over a year ago, you can qualify for a first-day benefit plan.

Best Option: First-day benefit plan

You will be covered from the first day and your death benefit will be phased in over time.


IF YOUR STROKE WAS WITHIN THE PREVIOUS 12 MONTHS

No burial insurance company will approve a recent stroke for a first-day benefit plan. You generally need to wait a year after your stroke without a repeat incident before you can qualify for a first-day benefit plan.

Best Option: First Day Benefits or Guaranteed issue burial insurance

Guaranteed issue policies have a graded death benefit (meaning there is a two-year waiting period). To get a life insurance payout for stroke, you need to live for the first two years before the company will fully cover you for the natural cause of death.


PHYSICAL IMPAIRMENTS FROM STROKE

A stroke can cause physical impairments and having a stroke can weaken the muscles on one side of your body and impair joint movement. Stroke can make it difficult to walk and perform other physical activities. These impairments can be temporary or permanent, but they could potentially prevent your ability to secure first-day coverage and the lowest rates on your burial insurance.

The insurance companies will want to know if you need help with ADL’s.


DO YOU NEED HELP IN ACTIVITIES OF DAILY LIVING (ADL’s)?

Activities of daily living are classified as eating, bathing, dressing, transferring, toileting, and continence.

If you need help in any of the ADL, it’s going to be difficult for you to secure first-day coverage with the lowest rate.

Best Option: Guaranteed issue burial insurance

No burial insurance company will issue coverage to anybody who needs help with their activities of daily living. Guaranteed issue insurance will be your only option if you need help with ADL’s.


BURIAL INSURANCE AND NURSING HOME

Some stroke patients need a nursing home to rehabilitate because of the severity of their stroke.  Unfortunately, every life insurance company asks about a nursing home. If you are staying in a nursing home for rehabilitation, your only option would be to get a no health question guaranteed issue life insurance policy. The premium will be a little bit higher, and you will be fully covered after a two-year waiting period.

Best Option: Guaranteed issue burial insurance


BURIAL INSURANCE AND HOME HEALTH CARE

Some stroke patients need home health care either temporarily or permanently.

Either way, all burial insurance companies 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 stroke, most insurance carriers will decline your application for first-day coverage

Best Option: Guaranteed issue burial insurance

Hopefully, you do not have any health issues that may prevent you from qualifying with them, or you will have to endure a waiting period and pay a higher premium.


HOW IMPORTANT IS THE DATE OF MY LAST STROKE WHEN APPLYING FOR BURIAL LIFE INSURANCE?

Strokes have a tendency to repeat again. More than 1 in 4 people who suffer a stroke will likely have a 2nd occurrence sometime in their life.

Moreover, the risk of a stroke within five years of the first episode is about 40% higher. Life insurance companies consider this when they set the rates.

Some insurance carriers won’t accept an application for a first-day coverage plan 3 to 12 months after a stroke. The more time has lapsed, the better the options are for you. After one year, your options become better in terms of companies you can apply.

It is more common to get coverage after a TIA than you can following a full stroke with paralysis.

Don’t put off getting coverage today or try to wait for better options. It’s better to get some insurance coverage now even if it’s more expensive. A stroke is a serious medical event and waiting around without coverage is not wise.


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 $30,000 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 STROKE, 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 stroke.

When you apply for burial insurance, 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 STROKE

One of the main purposes of life insurance underwriting is to determine what kind of plan to offer and how much you will pay for your life insurance if your application is approved.

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.

The insurance companies will want to know about these types of strokes:

Ischemic Stroke

It is similar to a heart attack, but it occurs in the blood vessels of the brain. A blood vessel carrying blood to the brain is blocked by a blood clot which prevents blood and oxygen from reaching the brain. Ischemic stroke can also occur when there is too much plaque or fatty deposits, and cholesterol clogs the brain’s blood vessels.

Hemorrhagic Stroke 

The blood seeps into the brain tissues and causes damage to brain cells. The most common causes of a hemorrhagic stroke are brain aneurysm, arteriovenous malformation, and high blood pressure. An aneurysm is a thinness in the blood vessel wall.

Transient Ischemic Attacks (TIA)

Also referred to as a mini-stroke, TIA can mimic stroke-like symptoms because the blood flow fails to reach part of the brain. These symptoms can appear and last less than 24 hours before disappearing. While less significant than a full stroke, it is still a risk because it can be a precursor to the full stroke.


HEALTH QUESTIONS:

You will find stroke asked in the questionnaire 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 of stroke or transient ischemic attack?

Most burial insurance companies look back two years on strokes.


PRESCRIPTION HISTORY CHECK

Aside from the health questions, every burial insurance life insurance company will look at the medications you take. Some medications are flagged for stroke. If you are taking one or more of these medications, the company will consider you a stroke sufferer.

Here are the most common medications for stroke:

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

If you are taking any of these medicines because of your stroke, the company will classify you like a stroke patient. They will know even if you answer “no” to the health questions on the burial insurance application. The presence of these drugs in your prescription history will override your “no” answer.

If you have been taking these medications for more than two years, almost all burial insurance companies will never care at all…it will be like you never even had a stroke.


HOW MUCH INSURANCE DO I NEED IF I HAVE A STROKE?

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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


STROKE 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 STROKE

When applying for final expense insurance with a stroke, it is important to provide us much information as possible.

We will ask you a series of health questions to get a better idea of your condition.

These questions include:

  • When did you have a stroke?
  • What is 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 activities of daily living on your own?
  • Do you require home health care, nursing, or rehabilitation?

We need to know your medical condition to be able to provide you with the best recommendation. The more information we get, the better your chances of finding affordable insurance coverage.


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 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 STROKE

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

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

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?

Trying to find a policy with a stroke needn’t be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.

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

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 funeral or burial insurance with a stroke in your medical history, 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.

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

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