Burial Insurance Aneurysm 2022 Guide

Consumers think that finding and qualifying for affordable burial insurance after an aneurysm is not possible.

The truth is it is possible. Burial insurance is the best final gift you can leave behind for your family to ensure their financial stability.

According to bafound.org

An estimated 6.5 million people in the united states have a brain aneurysm.

That is 1 in 50 people.

The underwriting of life insurance companies today makes qualifying and securing final expense life insurance a simple process.

To answer the question:

“Is Aneurysm covered by Life Insurance?”

Yes as long as you work with the right life insurance agent and the right insurance carriers.

In this article, we will go over everything you need to know about securing the best life insurance rate after an aneurysm.

Quick Tip: To have carrier rates shown and speak with an agent fill out the quote form to your right.

Burial Insurance Aneurysm No Medical Exam

Above all, burial insurance carriers do not require a medical exam to qualify for life insurance.

They look at your medical conditions through The Medical Information Bureau Health Report and a prescription check.

They will not send someone to your home to run blood tests or hand you a piece of paper with confusing verbiage on it like:

“The purpose without prior written authorization.”

“The manner for any purpose.” etc.

They look at when you were diagnosed with an aneurysm and what kind of medications you were prescribed.

If your diagnosis has been over 24 months and you have minimal medications or none at all then you will be classified as a low-risk applicant. These applicants qualify for first-day coverage. That means no waiting period on the death benefits being distributed in any manner at the time of your passing.

How your condition has been managed as well as surgeries and how much time has gone by without another incident are the key factors in what you qualify for.

Some carriers will ask if the diagnosis has been within the last 24 months, 18 months, or not at all.

If a carrier does not ask the question at all on their application this means they accept that condition meaning it is easy to qualify.

This is why working with one of our agents is crucial to getting the perfect policy for you. They are highly trained for life insurance aneurysm condition. So if you have had coronary artery disease or issues with high blood pressure or any conditions related to blood vessels be sure to communicate this to your agent.

When you have other aneurysms like abdominal aortic aneurysms this can make applying for life insurance complicated without an agent helping you. If you go with the wrong carrier they will classify you as high risk according to your medical records.

This means they will either give you a higher standard rate for your life insurance coverage according to the personal information on the life insurance application. Or you will wind up with a waiting period for benefits. We specialize in burial insurance aneurysm.

Best Burial Insurance Coverage Option

Finding the best burial insurance with an aneurysm as we stated is dependent on time.

Aneurysm Diagnosed over 2 years ago:

If your aneurysm was diagnosed over 2 years ago with minimal medications and no major surgeries then your option would be a level death benefit plan with first-day coverage.

Aneurysm Diagnosed within the last 18 months:

If your aneurysm was diagnosed within the past 18 months and you have had no major surgeries and minimal medications then you would qualify for level death benefits first-day coverage.

Aneurysm Diagnosed Recently or Recent or Pending Surgery:

A recently diagnosed aneurysm with immediate surgery would qualify you for a guaranteed acceptance policy with no medical questions or exams.

Types of Aneurysms Insurance Companies Look For:

Thoracic Aortic Aneurysm

Splenic Artery Aneurysm

Cerebral Aneurysm

Popliteal Artery Aneurysm


The types of medications you take are also a factor in qualifying for coverage.

Blood thinners are the most common prescriptions for aneurysms. Some blood thinners are looked at more favorably than others that have multiple purposes.

We specialize in getting you qualified for day one coverage regardless of your medications.

Best Burial Insurance Features

Above all, a burial insurance policy should be a Whole Life Final Expense Policy.

The Best Burial Insurance Policy For aneurysm will have the following features:

A Rate Lock – Premiums never increase

A Death Benefit that will never decrease

Tax-Free Death Benefit to the Beneficiary

Any policy that does not have the 3 key features above is not a good policy for burial expenses period.

Rate Lock

If a policy does not have a rate lock this means premiums could increase on you over time. You could have a $50 premium that jumps to $80 or more in the coming years. It would gradually increase until the policy becomes unaffordable and you are forced to drop the coverage.

A true burial policy should have premiums that never increase throughout the life of the policy.

Decreasing Death Benefit

If a policy has a decreasing death benefit then your policy is losing value every few years. This means your policy can go from $20,000 to only $9,000 and you would not know it!

Tax-Free Death Benefit

If the death benefit on a policy is not tax-free this means your family will wind up with a tax bill at the end of the year for the money they received from your policy to bury you.

There are gimmicks out there and we here at ParamountQuote want you to be aware of them so you can make a properly informed decision.

Beware of TV Slogans Like:

“No Health Questions asked!”

“3 Simple Health Questions and Everyone is Approved!”

“Only $9.95!”

Those slogans are a part of the gimmick and do not serve you and your best interests.

How Much Insurance Do I need?

The costs of funeral services variers among different states and are dependant on the type of service you want to have.

We will look at this based on averages.

A Burial Service

A burial can range between $8,000 to $12,000. There is also inflation to add on top of that which could put funeral costs up to $18,000 or more. When looking into how much coverage you need to purchase ask your local funeral home for a price list and add on inflation to know your total amount.

Cremation Service

A cremation service is a much more affordable direction to go. Cremation can range between $3,000 to $5,000 with inflation added in can be upwards of $9,000. This while being more affordable still leaves your family with a financial burden. To get an accurate price list visit your local funeral home.

Once you have a breakdown of the costs add on inflation and that will be how much coverage you need to purchase

Other final expenses to be considered are any debts such as medical bills, credit card payments, car payments, and other living expenses.

These are all factors to be considered when figuring out your coverage amount needed.

Funeral homes require money upfront for the service and this coverage is what will save your family from having to take out loans, borrow money, or sell their belongings.

How to apply for Insurance

Applying for coverage is very simple.

You fill out the form to the right of the page. This will show you carriers and pricing, at that point one of our licensed agents will reach out to you via phone call.

They will confirm your basic information and begin their field underwriting. Once they determine your rate class they will confirm your amount of coverage selected and proceed with you to the enrollment.

There are 2 methods to enroll:

Voice Signature – You, the agent, and the insurance company perform a 3-way call where you apply your voice signature to the necessary forms.

E-mail signature – The agent will send you a DocuSign email at the time of application. You will follow the prompts and e-sign the documents.

Once either method is completed an instant decision by the carrier is reached. This can all be done in 30 minutes.

Fill out the form to get started.

Related Post’s

Burial Insurance for Diabetics Guide

Burial Insurance Pacemaker Guide

Burial Insurance Heart Attack Ultimate Guide

Burial Insurance Schizophrenia Ultimate Guide

Burial Insurance Angina Guide