2023 Burial Insurance after a TIA or Transient Ischemic Attack
last updated on June 2, 2023You 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 than 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, your options, 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?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have a TIA, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have a TIA
- How Much Insurance Do I Need If I Have a TIA?
- How Should I Pay My Premiums?
- TIA and Burial Insurance Riders
- Information We Need if You Have a TIA
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance After a TIA
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance After A TIA
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.
Some insurance companies 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; 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 AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| 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 the 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 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, some 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:
- The kind of medication you are taking.
- The date of your first prescription.
- 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 Attacks:
- Apixaban (Eliquis)
- Clopidogrel (Plavix)
- Dabigatran (Pradaxa)
- Dipyridamole (Persantine)
- Edoxaban (Lixiana, Savaysa)
- Rivaroxaban (Xarelto)
- Warfarin (Coumadin, Jantoven)
If you take any of these drugs due to your mini-stroke, expect that some final expense insurance providers will consider you 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 have 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 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.
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-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included 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 better understand your condition. These questions include:
- When was the last time you had a Transient Ischemic Attack?
- How many times did you have a TIA?
- What were your symptoms before and after TIA?
- After your TIA, were you diagnosed with any other medical condition?
- What medications are you currently taking?
- 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 if 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?
Finding a policy with a TIA mini-stroke 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 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.
Additional Questions & Answers On Burial Insurance After A TIA
What is a TIA?
A TIA or transient ischemic attack, also known as a mini-stroke, is caused by a blood clot that blocks one of the small blood vessels in the brain. It is a warning sign that you may have a full-blown stroke.
Is a TIA considered a stroke?
Yes, a TIA is a mini-stroke. It is caused by a blood clot that blocks one of the small blood vessels in the brain.
Is TIA an emergency?
A TIA is an emergency because it is a warning sign that you may have a stroke.
What should I do if I have a TIA?
If you have a TIA, call 911 right away. The paramedics will give you clot-busting drugs to dissolve the blood clot and prevent a full-blown stroke.
How do I know if I’m having a TIA?
The best way to know if you are having a TIA is to go to the emergency room. Some common symptoms of a TIA include:
- Sudden weakness or numbness on one side of the body
- Sudden confusion or trouble speaking
- Sudden trouble seeing in one or both eyes
- Sudden trouble walking, dizziness, or loss of balance
- A severe headache that is different from your usual headaches
- Sudden chest pain or trouble breathing
Can you get life insurance after TIA?
Yes, you can get life insurance after a TIA. However, the time that passed since your last TIA will determine what plan you will qualify for and your premium.
Is a TIA a pre-existing condition?
Yes, a TIA is a pre-existing condition. This means that the insurance company can deny you coverage or charge you more for a policy if you have had a TIA in the past.
Can I get burial insurance after a TIA?
Yes, you can get burial insurance after a TIA. However, the time that passed since your last mini-stroke will determine if you will qualify for a first-day coverage plan.
Do you have to tell insurance about TIA?
Yes, if they ask about it in their health questionnaire. It is important to be truthful on your health questionnaire because the insurance company can deny you coverage or charge you more for a policy if you have had a TIA in the past.
Can stroke patients buy insurance?
Yes, some stroke patients can buy insurance, but the insurance company may charge them more for a policy or deny them coverage. It all depends on the severity of the stroke and how long it has been since the stroke occurred.
What to do after having a TIA?
If you have a TIA, call 911 right away. The paramedics will give you clot-busting drugs to dissolve the blood clot and prevent a full-blown stroke.
Is a TIA classed as a critical illness?
A TIA is not a critical illness. However, it is a warning sign that you may have a stroke, a critical illness.
How long does a TIA last for?
A TIA usually lasts for a few minutes. However, it is important to call 911 immediately because you may have a full-blown stroke if the blood clot is not treated immediately.
Can stroke patients buy cremation insurance?
Yes, stroke patients can buy cremation insurance, but the insurance company may charge them more for a policy or deny them coverage. It all depends on the severity of the stroke and how long it has been since the stroke occurred.
Is there a waiting period for life insurance after TIA?
There is no waiting period for life insurance after a TIA. However, the time that passed since your last mini-stroke will determine what plan you will qualify for and your premium.
Does life insurance Cover strokes?
Yes, life insurance will cover strokes. However, the policy may have a waiting period before coverage kicks in. It all depends on the insurance company and the policy you purchase.
Can I get Critical Illness insurance after a TIA?
Yes, you can get critical illness insurance after a TIA. However, the time that passed since your last mini-stroke will determine if you will qualify for a first-day coverage plan.
Can you still get final expense life insurance after a stroke?
Yes, you can still get final expense life insurance after a stroke. However, the policy may have a waiting period before coverage kicks in if the full-blown stroke is very recent. It all depends on the insurance company and the policy you purchase.
Can you get disability for a mini-stroke?
Yes, you may be able to get a disability for a mini-stroke. However, the severity of the mini-stroke and how long it has been since the stroke occurred will determine if you qualify for benefits.
What’s the difference between a TIA and a mini-stroke?
A TIA is a warning sign that you may have a stroke. A mini-stroke also called a transient ischemic attack (TIA), is a stroke that lasts for a few minutes. If you have a TIA, call 911 immediately because you may have a full-blown stroke if the blood clot is not treated immediately.
Is a stroke a critical illness on insurance?
A stroke is a critical illness on insurance. It is important to be truthful on your health questionnaire because the insurance company can deny you coverage or charge you more for a policy if you have had a stroke.
Can I get critical illness cover after a stroke?
Yes, you can get critical illness cover after a stroke. However, the time that passed since your last stroke will determine if you qualify for a first-day coverage plan.
What is the difference between a stroke and a heart attack?
A heart attack is caused by a blockage in the arteries that supply blood to the heart. A stroke is caused by a blockage in the arteries that supply blood to the brain.
How long after a stroke can I get life insurance?
There is no waiting period for life insurance after a stroke. However, the time that passed since your last stroke will determine what plan you will qualify for and your premium.
What is the difference between a TIA and a heart attack?
A TIA is a warning sign that you may have a stroke. A heart attack is caused by a blockage in the arteries that supply blood to the heart.
What is considered a critical illness for insurance?
A critical illness for insurance is a pre-existing condition that causes you to be unable to work. A stroke is a critical illness for insurance because it can cause you to be unable to work.
Can you still get funeral insurance after a stroke?
Yes, you can still get funeral insurance after a stroke. However, the policy may have a waiting period before coverage kicks in if the full-blown stroke is very recent.
Can high blood pressure cause a TIA?
High blood pressure can cause a TIA. It is important to check your blood pressure regularly and take medication if you are diagnosed with high blood pressure.
Does a stroke count as a disability??
According to the Social Security Administration, a stroke can count as a disability. Applying for disability benefits as soon as possible if you have had a stroke is important because there is a five-month waiting period before you can start receiving benefits.
Is a TIA better than a stroke?
A TIA is not better than a stroke. A TIA is a warning sign that you may have a stroke.
Can you get critical illness cover without life insurance?
You can get critical illness cover without life insurance, but it is not typically as affordable.
Can you still get cremation insurance after a stroke?
Yes, you can still get cremation insurance after a stroke. However, the time that passed since your last mini-stroke will determine the plan you will qualify for and your premium.
Can you fully recover from ischemic stroke?
Most people who have an ischemic stroke make a full recovery. However, there is a risk of death or permanent brain damage if the stroke is not treated immediately.
How long can you live after a TIA?
You can live after a TIA, but there is a risk of death or permanent brain damage if the stroke is not treated immediately.
Do all TIA lead to strokes?
No, not all TIA lead to strokes. A TIA is a warning sign that you may have a stroke.
What are the chances of having a second TIA?
The chances of having a second TIA are about 5%. However, the risk of having a stroke after a TIA is much higher, so it is important to seek medical attention if you have a TIA.
What are the chances of having a stroke after a TIA?
The chances of having a stroke after a TIA are about 20%. It is important to seek medical attention if you have a TIA.
Can you have a stroke without any symptoms?
Yes, you can have a stroke without any symptoms. This is known as a silent stroke.
Do TIA show on MRI?
Yes, TIA is show on MRI. However, not all mini-strokes will show up on an MRI.
What is the major complication associated with a TIA?
The major complication associated with a TIA is a stroke. A TIA is a warning sign that you may have a stroke.
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