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First and foremost, if you or a loved one is a stroke survivor, we here at InsuranceForBurial.com are happy and appreciative of your time reading this page. We pray for your speedy recovery and may each day bring you renewed strength… Call us to better serve you and quickly get you the best final expense or burial insurance coverage for you today.
Article Easy Navigation
- Does Life Insurance Cover Stroke
- Life Insurance For Stroke Victims
- Insurance policies for a “mini-stroke” and a “full-blown” stroke
- Full-blown Stroke and Burial Insurance
- Burial Insurance and Activities of Daily Living Score
- Home Health Care And Burial Insurance
- Burial Insurance and Being In a Nursing Home
- Getting The Best Final Expense Insurance After A Stroke
- How Does Burial Insurance Work
Does Life Insurance Cover Stroke
Final Expense Insurance for a Full-Blown Stroke
Can I get life insurance if I had a stroke? Having a pre-existing medical condition like a stroke will cause any life insurance or burial insurance company to look at you with more caution.
First of all, to avoid confusion about getting the best final expense or burial insurance plan possible, you or a loved one need to prepare the following:
- Know the date when the last stroke was diagnosed.
- What type of stroke was diagnosed, a “mini-stroke” which is a transient ischemic attack (TIA) or “full-blown” stroke or cerebrovascular accident (CVA).
- The prescribed medications for your stroke and how long you’ve been taking them.
- Any mental or physical ailments that resulted from your stroke.
- Any other disease or disorder that you and your family had before the stroke. Such as hypertension, cardiovascular diseases, peripheral vascular disease or diabetes.
- Tobacco usage history
- Any family history of stroke
In the first place, these things above will determine what type of burial insurance policy you or a loved one may be offered.
At InsuranceForBurial.com, we specialize in finding you same-day coverage regardless of any health impairment.
Can You Qualify For Burial Insurance After A Stroke
Above all, help for stroke victims without insurance might sound bleak. In fact, some carriers will be more lenient than others. These carriers are the ones we will bring to you.
In most cases, getting burial insurance for stroke victims can be obtained, and yes that will be day 1 coverage.
We have carriers that specialize in stroke and will even give you a level benefit if you have prescribed blood thinners the previous day.
Importance Of The Date When Your Last Stroke Was Diagnosed
Some companies will ask when your last stroke was diagnosed since a stroke has a tendency to occur again and there is no telling how severe it would be.
Most final expense insurance for full-blown stroke applications will postpone within 12 months from stroke diagnosis. In fact, insurance companies will likely result in policies that have the highest rates.
In some cases, there will also be a minimum of 2 years waiting period. Your beneficiaries will only receive the full death benefits if you pass away after 24 months upon approval.
We have the carriers that will give you instant same day coverage!!
Final expense or burial insurance companies will offer better payment policies but still with a minimum of 2 years waiting period. This is with any type of stroke diagnosis within the past 24 months upon application.
Life Insurance For Stroke Victims
Applying after 24 months from your last stroke, A+ rated insurance companies will offer level policy options that have the lowest payment rates. With immediate active insurance coverage that may come with some great additional features.
Given the nature of stroke which is highly unpredictable and can occur without warning, you or a loved one should try to get an insurance policy as soon as possible.
Contact our final expense insurance specialists that have access to a lot of A+ insurance companies. We will expertly help you get the best final expense insurance policy in any predicament that you or a loved one is in right now because of a stroke.
Insurance policies for a “mini-stroke” and a “full-blown” stroke
Burial Insurance and Mini Stroke
Is there a waiting period for burial insurance? Mini-strokes or TIA as long as there is no permanent injury to the brain (which is unlikely with TIA) final expense insurance companies will easily offer a final expense insurance level policy.
This policy has the best pay rates and has immediate active insurance coverage that may come with great additional features.
Read more about final expense insurance for mini-strokes.
Full-blown Stroke and Burial Insurance
Can you get life insurance if you had a stroke? Full-blown stroke or CVA in contrast to a mini-stroke, as you may know, is often very serious and could lead to permanent brain injury or death.
These are the reasons why insurance companies will offer a guaranteed issue policy for final expense insurance for a full-blown stroke. This policy will have a bit higher payment rates and a waiting period of 2 years.
Burial Insurance and Activities of Daily Living Score
This simply means a score on how well the final expense an applicant can handle activities of daily living. Such as bathing, dressing, transferring, toileting and eating.
As a matter of fact, almost all of the final expense or burial insurance company will not offer any kind of policy to an applicant that needs help with activities of daily living.
Thankfully, we have access to an A+ insurance company that can offer level insurance policies with low payment rates and immediate active coverage.
If you don’t pass with them, we have another A+ company that can offer the next best insurance option but with slightly higher payment rates and a minimum of 2 years waiting period.
Read more about Final Expense Insurance for applicants needing help with ADL
Home Health Care And Burial Insurance
It’s pretty common that people with stroke impairments need assistance for home health care until recovery for some time or up to a lifetime.
Of course, that’s why we have access to A+ insurance companies that won’t mind offering level insurance policies for final expense insurance for a full-blown stroke that have immediate active coverage with the lowest payment rates.
Again, if somehow you won’t qualify for a level policy then the next best final expense insurance offer will also come from an A+ rated insurance company.
The cost would be a little bit more with a minimum of 2 years waiting period.
Burial Insurance and Being In a Nursing Home
In any case, to return a full-blown stroke survivor to the highest possible level of functionality, a nursing home is the best environment to help facilitate a speedy recovery.
If you or a loved one will be or is in a nursing home, your best option is a guaranteed issue policy that has no health questions or a review into your medical history.
Getting The Best Final Expense Insurance After A Stroke
In any case, there is no time to waste and it is important to find the right final expense insurance specialists who are licensed in almost all of the states and has access to A+ top-rated insurance companies.
Best Burial Insurance Carrier For After Stroke
You have got this far, now we will show you the best carrier that we use for our clients with stroke history.
In fact, they specialize in both strokes and mini-strokes. They will also give you immediate coverage a day after the blood thinners were prescribed!!
That makes Royal Neighbors of America our # 1 Stroke carrier!!
How Does Burial Insurance Work
We here at InsuranceForBurial.com work with you and will be with you every step of the way to finally get you the best possible final expense insurance plan after a full-blown stroke.
“Call us now and let us help you find the best final expense insurance today” –
For more information on stroke rehabilitation, CLICK HERE.