2024 Burial Insurance after a TIA or Transient Ischemic Attack

You can qualify for burial insurance after having a TIA (Transient Ischemic Attack) or a mini-stroke.

If you’ve had a TIA in the past, your life insurance options are significantly better than a full stroke that can cause life-altering consequences.

This article will show you your options and how to find affordable burial insurance after having a TIA.


What is a Transient Ischemic Attack or TIA?

A Transient Ischemic Attack (TIA), sometimes called a ministroke, is a temporary blockage of blood flow to the brain. This blockage typically lasts for a brief period of time, usually less than an hour, and doesn’t cause permanent damage. However, it is a serious medical condition and a warning sign that a full-blown stroke may occur in the future.

Cause: Temporary blockage of blood flow to part of the brain

Symptoms: Similar to a stroke but resolve within 24 hours (usually within an hour) and may include:

  • Weakness or numbness in the face, arm, or leg, usually on one side of the body
  • Trouble speaking or understanding speech
  • Vision problems, such as sudden blurred vision or seeing double
  • Dizziness or trouble walking

While a TIA isn’t a stroke, it does increase your risk of having one in the future. Since strokes are a major claim for life insurance companies, you may be charged a higher premium to reflect this increased risk.

Can I Qualify For Burial Insurance After A TIA?

Yes, people who have had TIA will often qualify for first-day coverage insurance with no waiting period if they have not been hospitalized two or more times in the last two years and you apply to the right company.

What Is My Best Insurance Option After A TIA?

RECENT OR PAST TIA – First-day coverage insurance is your best option if you have had a recent or past TIA. First-day coverage insurance provides a full death benefit from day one of the policy and doesn’t have a waiting period.

TWO OR MORE HOSPITALIZATION IN THE PAST TWO YEARS – Guaranteed issue life insurance is likely your option if you have had two or more hospitalizations (for any reason) in the past two years besides having a TIA. Guaranteed issue whole life (GIWL) insurance does not have a medical exam and no health questions. GIWL is designed for people who may not qualify for traditional term life insurance or whole life insurance because of severe health issues.

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

NO. When you apply for burial insurance, you only have to answer a few basic questions about your health.

The insurance application process is simple, and you won’t need to provide medical records or blood and urine samples. You’ll often get approved bythe insurance company within minutes!

Burial Insurance Underwriting For Transient Ischemic Attack

Burial insurance companies with first-day coverage underwrite and approve policies in the following manner:

FIRST – You’ll have to answer some basic questions, and your answers to their questions will determine your eligibility.

SECOND – The insurance company will electronically review your prescription history to verify your health history.

Insurance underwriting determines your eligibility, the plan you’ll qualify for, and how much you will pay. 


You will often find TIA health question asked during the underwriting process: 

  • 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?
  • In the past 10 years, have you opted to not seek treatment, have not taken medication, and or have not followed the prescribed treatment plan following a medical diagnosis for stroke or TIA?


Burial insurance carriers will also electronically check your prescription history to look for medications that treat many common health problems.

Common medications for Transient Ischemic Attacks:

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

If you’ve been prescribed any of these drugs, the insurance will know that you’ve possibly had TIA issues in the past and may ask you more stroke-related health questions. 

What Is The Cost Of Burial Insurance After A TIA?

The cost of burial insurance after a mini-stroke or TIA will depend on your:

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

Information We Need If You Have A Mini-Stroke

When applying for final expense insurance after a TIA, we will ask you a series of health questions to understand your condition better.

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?

You must answer these questions truthfully, as we need to know your medical condition to provide you with the best recommendation. 

How To Get First-Day Coverage Insurance After A TIA

The best way to get first-day coverage insurance after a TIA is to work with an independent agent from companies like Funeral Funds of America who can compare insurance companies that provide 1st-day coverage after a TIA heath emergency.

How To Apply For Burial Insurance After A TIA

  1. Work with an Independent Insurance Agent – Ask for assistance from independent insurance agents specializing in underwriting for TIA. An independent insurance agent from Funeral Funds 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?

You don’t have to waste time searching with multiple insurance companies because we can do this work for you. We work with many A+ rated insurance carriers specializing in covering high-risk clients. 

Our licensed life insurance experts will search for all the best life insurance companies to get you the best rates, and we promise to make the process quick and easy. 

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

Frequently Asked Questions

Can you get life insurance after TIA?

Yes, you can even qualify for a first-day coverage life insurance with the right insurance companies.

Is a TIA a pre-existing condition in life insurance?

Yes, any health issues you have before applying for life insurance are a pre-existing condition.

Do you have to tell the insurance company about TIA?

Yes, if they ask about it in their health questionnaire. 

Can mini-stroke patients buy life insurance?

Yes, they can buy first-day coverage insurance depending on when the stroke occurred and what insurance company they are working with.

Is there a waiting period for life insurance after TIA?

There is typically no waiting period; TIA patients can qualify for first-day coverage insurance depending on their resident state and what insurance company they are applying to. 


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