How To Buy Burial Insurance with Anxiety Disorder In 2024

If you have been turned down for burial insurance with anxiety disorder, you are in the right place now. We get consumers with anxiety disorders covered the same day all the time.

When it comes to planning for the future, it’s important to consider all of the potential contingencies that may arise.

This includes making arrangements for how you would like to rest after you pass away.

Burial insurance is a type of insurance policy specifically designed to cover the costs associated with funeral and burial expenses.

However, securing burial insurance can be a bit more complicated if you suffer from an anxiety disorder.

In this article, we’ll explore the ins and outs of burial insurance with anxiety disorder and provide tips for finding the right policy.

Can You Get Burial Insurance with Anxiety Disorder?

If you have anxiety or other mental health issues, you may be wondering if you can get burial insurance.

The answer is that it is possible to get burial insurance with anxiety disorder, but it may be more difficult to find a policy that meets your needs.

When you apply for burial insurance, the insurance company will typically ask you a series of questions about your health and lifestyle.

This is known as the underwriting process, and it is used to determine your risk level. The higher your risk level, the more expensive your premiums will be.

If you have an anxiety disorder, you may be considered a higher risk because of the potential for medical expenses or reduced life expectancy.

However, it is important to note that every insurance company has its own underwriting guidelines, and some may be more lenient than others when it comes to anxiety disorder.

Tips for Finding the Right Burial Insurance Policy With Anxiety Disorder

If you are seeking burial insurance with anxiety disorder, there are a few things you can do to improve your chances of finding a policy that meets your needs.

  1. Shop around: It’s important to shop around and compare quotes from multiple insurance companies. This will allow you to find the most competitive rates and ensure that you are getting the best possible policy for your needs.
  2. Consider riders: If you are having trouble finding a policy that will cover you due to your anxiety disorder, you may be able to add a rider to your policy that provides additional coverage for this condition.
  3. Work with an independent insurance agent: An independent insurance agent can help you compare policies from multiple insurance companies and find a policy that meets your specific needs. They may also be able to negotiate more favorable terms on your behalf.
  4. Consider a guaranteed issue policy: If you are unable to find a traditional burial insurance policy due to your anxiety disorder, you may want to consider a guaranteed issue policy. These policies are designed for individuals with pre-existing medical conditions and do not require a medical exam or health questionnaire. However, they typically have higher premiums and smaller death benefits compared to traditional policies.
  5. Talk to your doctor: Your doctor may be able to provide you with additional information or recommendations that could help you find a burial insurance policy that meets your needs.

What Carrier Is Best For Anxiety Disorder

Below are the carriers that are highly rated, have award-winning customer service, and speedy payout with death claims for anxiety disorder.

Top Burial Insurance Carriers For Anxiety Disorder

CarrierAge AcceptedCoverage OptionsDetails
trinity50-85$2,500-$25,000Learn More
moo45-85$2,000-$40,000Learn More
sbli_living_legacy50-85$2,500-$35,000Learn More
lbl18-80$3,000-$40,000Learn More

Having any type of health impairment, even sleep apnea or an autoimmune disorder, can affect your rate class. Usually, medications and treatment have more consequences than actual health impairment.

What is Burial Insurance?

Burial insurance, also known as funeral insurance or final expense insurance, is a type of insurance policy that is designed to cover the costs associated with funeral and burial expenses.

These costs can include everything from the cost of the casket and burial plot to the cost of the funeral service itself.

The purpose of burial insurance is to provide financial security for your loved ones in the event of your death.

A burial insurance policy pays for your funeral and burial expenses so your family does not have to.

This can be a big problem for many families. Funeral and burial costs can be very expensive, sometimes costing thousands of dollars.

How Does Burial Insurance Work?

Burial insurance works in much the same way as other types of insurance.

You pay the insurance company money monthly, quarterly, semi-annually, and annually. If you die, the insurance company will pay the beneficiary. The beneficiary will use that money to pay for your funeral and burial.

There are typically two types of burial insurance: term life insurance and whole life insurance.

Term life insurance is a policy that pays if you die during a set time, like 10 or 20 years.

If you die within that time frame, the insurance company will pay out the death benefit to your beneficiaries. If you outlive the policy’s term, it will expire, and you will no longer be covered.

On the other hand, whole life insurance provides coverage for your entire lifetime.

If you keep paying the premiums, the insurance company will give your family money when you die.

Whole life insurance policies also save money over time. This money can be used to help pay for things or borrowed against in the future.


Burial insurance is a good way to help pay for funeral and burial expenses. It can also help your loved ones financially if something happens to you.

If you have anxiety, depression, or bipolar disorder, you can still get burial insurance. It might just be harder to find a policy that works for you.

If you want a good insurance policy, shop around. Get help from an independent insurance agent to find a policy that meets your needs and budget.