2024 Burial Insurance for Anxiety: Coverage Options & Tips

Are you looking to understand burial insurance with anxiety? If you have anxiety you will not be paying higher premiums or be disqualified. Final expense insurance companies will approve you for funeral insurance with no waiting periods easily. There is no medical exam required you simply answer health questions on the life insurance application.

According to adaa.org

Over 40 million adults in the United States have an anxiety disorder, we talk with clients often when assisting them with their life insurance application.

They ask us questions like:

“Does anxiety disqualify you from life insurance?”

Our answer is no not for simplified issue burial insurance.

“Can you get life insurance with anxiety?”


“Do you have to tell life insurance about anxiety?”

Only if the specific question is on the application if not then no.

In this article, we will go over everything you need to know about how to find the best burial insurance to protect your family.

Understanding Burial Insurance with Anxiety

Final expense insurance(burial insurance, cremation insurance, funeral insurance etc.) is both simplified issue whole life insurance and guaranteed issue whole life insurance. This means there are no medical exams required for these policies.

You simply answer health questions on the life insurance application(guaranteed issue coverage does not have health questions).

Simplified issue has health questions with no waiting period. Guaranteed issue has no health questions and a 2 year waiting period. Both types are permanent whole life policies that never expire with level premiums(premiums never increase).

They also have level death benefits(death benefit never decreases). The maximum amount of coverage you can get with simplified issue is $50,000 and guaranteed issue is $40,000. Both types build cash value which is an additional savings to the policy that you can borrow against.

When you die the policy pays out to your beneficiary in a lump sum that they will use to pay your end of life expenses. Any money left over is theirs to keep to use for any reason they want.

Best Life Insurance Coverage for Anxiety?

The best coverage will consist of 3 important key factors:

  1. Is the coverage permanent?
  2. Is there a rate lock on the policy?
  3. Will the death benefits ever decrease?

The coverage must be permanent meaning it will never expire on you at any age. We have helped clients get out of policies that expire at age 85 and if they would have kept those policies the policy would expire and their families would have nothing in place.

The rate must be locked in for life meaning whatever the price of your premium is on your policy it should NEVER go up on you at any time as long as you pay your premiums. We have seen many clients have premiums that increase on them every 5 years and their policies got so expensive they had to drop their coverage.

The death benefit should remain the same throughout the life of a policy. We have helped clients that had face amounts decreasing on them until there was barely anything left to pay for any kind of funeral.

It should also be simplified underwriting meaning the carrier would just look at your medical record and past health issues. There would still be health questions but carriers like ours would not ask about anxiety which means they accept the condition in fact they accept all 10 types of anxiety.

Acceptable Types:

  • Generalized Anxiety Disorder
  • Panic Disorder
  • Social Anxiety Disorder
  • Phobias
  • Agoraphobia
  • Separation Anxiety
  • Selective Mutism
  • Medication Induced Anxiety Disorder

The companies we work with will not ask about any of those conditions this is how we get clients approved level day one coverage in most cases. This saves you from paying a higher premium and securing the funeral insurance your family deserves!

Best Burial Insurance Companies for Anxiety

When it comes to the best burial insurance and anxiety we work with the top major carriers in the United States this is how we guarantee the best coverage at the best price available.

These carriers maintain an A-rating and have 60+ years in business.

Their plans also have a rate lock, death benefits never decrease and their coverage is permanent.

Their underwriting is simplified meaning you just answer a few health questions, approval can be done in minutes and coverage can be in place as soon as tomorrow!

They simply do a Medical Information health report and prescription check. Based on the checks and answers to the questions we will know if you are fully approved at the time of the application.

Our Best Companies for Anxiety:

These policies also have additional riders that can be added such as:

Accelerated Death Benefit – Insured can withdraw from the face amount early in the event of a terminal illness.

Accidental Death & Dismemberment – Additional coverage in the event of an accident or loss of limbs

Burial Insurance we do not Recommend for Anxiety

It is important to note that the term’s burial insurance, funeral insurance, cremation insurance are all marketing terms for life insurance.

For more information on this, you can look at our article on cremation insurance.

The recommended type of insurance for burial, cremation, and final expenses is traditional whole life insurance.

With that being said there are companies advertising their products and services that do not fit what a true burial insurance policy should be.

Term Life

We do not recommend term insurance as burial insurance because it will expire at some point. Term policies typically last 20 maybe 30 years depending on the term. The premiums also increase if the policy is renewed these policies are not permanent.

It can also take weeks to be approved for these policies and they would require a medical exam from a licensed medical professional.

Television Advertising

With TV advertising policies that do not fit a client’s situation are marketed as a “one size fits all” type of solution.

For Example:

If an ad says something like “No health questions asked!” this is typically a guaranteed issue product with a 2-year waiting period being marketed. This is about you and your unique health situation, if you qualify for day one coverage you do not need a guaranteed issue policy whereas other clients in poorer health do.

How to Buy Burial Insurance with Anxiety?

Applying for coverage is very simple. You can either fill out the form to your right and see instant quotes and speak with one of our agents or you can call our number at the top right of our page to speak with an agent.

Our agent will confirm some basic information with you and start their field underwriting process. At that point, they will confirm your rate class and the amount of coverage you select and begin the enrollment process.

There are 2 different ways to enroll:

  1. Voice Signature – Conducted with you, the agent, and the carrier or you and the agent. Agent or carrier will do voice authorizations for the amount of coverage and rate class.
  2. E – Signature – Conducted with you and the agent. The agent sends an email with a DocuSign for you to sign for your application.

After both signature processes, you will know at that point if you are approved and both processes only take 30 minutes or less.

We pride ourselves on this quick and easy process to obtain coverage to protect your family from the burden of burial expenses.

With burial expenses averaging between $8,000 to $12,000 having this in place will provide your family with the peace of mind they are entitled to and allows you to show them how much you loved them!