Burial Insurance after a TIA or Transient Ischemic Attack

You can qualify for burial insurance after a TIA (Transient Ischemic Attack) or a mini-stroke. TIA is different from a full-blown stroke. If you have a TIA your life insurance options are significantly better compared with a full-blown stroke.

The time that passed since your last mini-stroke will determine what plans you will qualify for and your premium.

If you or someone you love had a Transient Ischemic Attack, then you need to read this article. We will now reveal what insurance companies look for, what your options are, and how to find affordable burial insurance after a TIA.

FOR EASIER NAVIGATION:


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

The time that passed after your Transient Ischemic Attack (TIA) is the most critical issue with most burial insurance companies. It is the deciding factor that will determine what insurance plan you will qualify for.

With that said, there are some insurance companies that will offer first-day coverage if you have had a recent or past TIA.

Level death benefit policies provide a full death benefit from day one of the policy, and it doesn’t have a waiting period.

A level death benefit plan does not require a medical exam, and you only need to answer some basic health questions.

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


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 PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES
FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
Coverage Up To Age 121 Yes


IF I HAVE A TIA, 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 after a TIA.

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 TIA

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 basic purpose of insurance underwriting is to determine what kind of plan you will qualify for and how much you will pay if your application is approved. Burial insurance companies with underwriting will ask about TIA in their health questions.


HEALTH QUESTIONS:

You will see them ask about TIA in one of the following two ways:

  • Have you been diagnosed or treated for a TIA or mini-stroke within the last 24 months?
  • Have you been diagnosed or treated for a Transient Ischemic Attack (TIA/mini-stroke) within the last 12 months?

Most burial insurance companies have a two-year look-back period on TIA. However, there are some that will only ask about it in the last 12 months.


PRESCRIPTION HISTORY CHECK

Aside from the health questions, burial insurance carriers will electronically check your prescription history. They do this to look for medications that treat any health conditions.

Here is the medication information burial insurance companies will get from your prescription history:

  1. The kind of medication you are taking.
  2. The date of your first prescription.
  3. If you consistently take your prescription since you first fill for it.

Burial insurance companies will mainly look for common medications that are often prescribed for TIA most of them are blood thinners to prevent mini-stroke.

Common medications for Transient Ischemic Attack:

  • Apixaban (Eliquis)
  • Clopidogrel (Plavix)
  • Dabigatran (Pradaxa)
  • Dipyridamole (Persantine)
  • Edoxaban (Lixiana, Savaysa)
  • Rivaroxaban (Xarelto)
  • Warfarin (Coumadin, Jantoven)

If you are taking any of these drugs due to your mini-stroke, expect that some final expense insurance providers will consider you as a TIA patient. These medications will prove you had a mini-stroke (even if you answer no to the TIA question).

It is very common for burial insurance carriers to practice what is called “first fill protocol” to determine how long you had been taking medications. For example, you are taking Warfarin for a mini-stroke. They will see when you first filled the prescription for Warfarin.

If your first fill were over two years ago, they would conclude that you haven’t had a stroke within the last two years.


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

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


TIA 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 TIA

When applying for final expense insurance after a TIA, 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:

  1. When was the last time you had a Transient Ischemic Attack?
  2. How many times did you have a TIA?
  3. What were your symptoms before and after TIA?
  4. After your TIA, were you diagnosed with any other medical condition?
  5. What medications are you currently taking?
  6. Do you currently have any physical disabilities or neurological disorders?

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 AFTER A TIA

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

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

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 TIA  mini-stroke needn’t be a frustrating process; 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 don’t have to 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 and 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 a TIA  Transient Ischemic Attack funeral insurance, or a TIA  Transient Ischemic Attack burial insurance, or a TIA  Transient Ischemic Attack 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance After A Transient Ischemic Attack Infographic

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