Burial Insurance for Stroke Patients

Burial Insurance for Stroke Patients

If you’ve faced rejection for stroke insurance previously, don’t lose hope. You’re in the right place for life insurance catered to stroke survivors.

Survival odds ten years after a stroke stand at only 30%, underscoring the need for financial protection. One avenue to secure that protection is through burial insurance—a policy designed to cover funeral expenses upon your passing.

To acquire burial insurance, complete the form on the right. Below, we offer valuable information about this insurance product to assist you.

Burial Insurance for Dialysis Patients

Can You Qualify For Burial Insurance After A Stroke

Understanding life insurance for stroke victims is crucial. While assistance for uninsured stroke victims may seem limited, certain insurance carriers exhibit more flexibility than others.

We specialize in bringing forth these accommodating carriers to you.

In many instances, securing burial insurance for stroke victims with day-one coverage is achievable.

Our partnered carriers specialize in catering to stroke cases, even offering level benefits for those on prescribed blood thinners the day before application—an important consideration.

Finding the right coverage and carrier offering immediate coverage on day one is indeed possible.

Burial Insurance Underwriting If You Have A Stroke

The primary goal of life insurance underwriting is to decide the type of plan to offer and the cost you’ll pay for your life insurance if your application gets approved.

Burial insurance companies have two ways of underwriting:

FIRST – They might ask you a series of health questions. Your eligibility will be determined based on your answers to these questions.

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

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

-Ischemic Stroke:

Similar to a heart attack, it happens within the brain’s blood vessels. A blood clot blocks a blood vessel that supplies blood to the brain, hindering the flow of blood and oxygen. Ischemic stroke can also occur due to an accumulation of plaque, fatty deposits, and cholesterol that obstruct the brain’s blood vessels.

-Hemorrhagic Stroke:

In this type, blood leaks into the brain tissues, causing damage to brain cells. Common causes of a hemorrhagic stroke include brain aneurysm, arteriovenous malformation, and high blood pressure. An aneurysm refers to a weakened area in the blood vessel wall.

-Transient Ischemic Attacks (TIA):

Known as a mini-stroke, TIA exhibits stroke-like symptoms as blood flow to a part of the brain is interrupted. These symptoms can emerge and persist for less than 24 hours before vanishing. Although less severe than a full stroke, it poses a risk as it can precede a full stroke.


You will find stroke asked in the questionnaire this way:

  • In the last 24 months, have you received a physician’s diagnosis of a stroke or other circulatory issues?
  • Within the past 2 years, have you experienced or been diagnosed with a stroke or Transient Ischemic Attack (mini-stroke)?
  • Within the last 24 months, have you been diagnosed or treated by a medical professional for a stroke or transient ischemic attack?

Here are the most common medications for stroke:

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

If you are using any of these medications due to your stroke, the company will categorize you as a stroke patient. Even if you answer “no” to the health questions on the burial insurance application, the existence of these drugs in your prescription history will supersede your “no” response.

However, if you’ve been using these medications for over two years, almost all burial insurance companies won’t consider it a concern—it will be as if you never had a stroke.

How Much Insurance Do I Need If I Have A Stroke?

The amount of burial insurance you should purchase depends on your individual and financial situations. However, it should generally cover the expenses related to your funeral, burial, and final arrangements.

Determining the appropriate amount starts with understanding your end-of-life costs. Funeral expenses often represent the largest single expense. Additionally, consider outstanding medical bills, living expenses, credit card debts, and other financial obligations as part of your end-of-life expenses.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

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
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Median Cost of a Funeral With Viewing and Burial$9,420
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
Median Cost of a Funeral with Viewing and Cremation$6,970
Rental Casket$995
Alternative Cremation Container$150


What Types Of Burial Insurance Should I Avoid?

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 $100,000 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?

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 121YES


Stroke And Burial Insurance Riders

Insurance policy riders provide added benefits to your policy, customizing it to suit your needs. Some riders come built-in with your policy, while others can be added for an extra cost. These riders are typically affordable and often require little to no underwriting.

Here’s a list of common burial insurance riders:

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

Other Common Uses For Burial Insurance With Stroke

All of these examples are appropriate uses for Burial 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 To Apply For Burial Insurance With Us

If you’ve had a stroke, applying for burial insurance through us is straightforward.

Simply give us a call, contact us through our website, or use the form provided below.

Let us know you’re interested in applying for burial insurance and disclose your stroke history, including when it occurred.

Inform us about any other health conditions you have, including tobacco or nicotine use.

We’ll assess your options over the phone.

Once we choose a carrier, you can apply for insurance with us over the phone.

Depending on your circumstances, you could secure burial insurance within 30 minutes.

It’s a simple process.

As mentioned earlier, we collaborate with numerous burial insurance carriers, more than typical brokers and agencies. Therefore, I’m confident we can find coverage suitable for your situation.

Now You Know The 3 Burial Insurance Options Available If You Have Had A Stroke

We hope you found this article informative. If you’ve had a stroke, rest assured that you can still obtain burial insurance.

Are you prepared to begin the process? Please don’t hesitate to contact us or fill out the form below.

We collaborate with numerous carriers specializing in burial insurance and are confident in finding the ideal coverage for your needs.

At all times, we prioritize your best interests. If there’s a better option available beyond what we offer, we’ll assist in connecting you with someone who can help.

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