Complete Guide for Burial Insurance with Dementia or Alzheimer’s

At any point in this article you can use our quick quote form or speak to an agent by calling us a call at 888-519-9119

It’s very common think it’s impossible to secure a new burial life insurance policy after you have been diagnosed with dementia or Alzheimer’s, but this is not the case.

You can still qualify for an affordable burial insurance plan EVEN AFTER having been diagnosed.

We can show you very clearly how you can secure affordable coverage after a dementia or Alzheimer’s diagnosis. This article will break down how insurance companies respond to this health issue, what your options are and how to find the best coverage.

The Undisputed Reality About Burial Insurance with Dementia or Alzheimer’s

There are many companies that provide incomplete or inaccurate information when it comes to this topic. Our mission is to provide you with all the information, the good, bad and the ugly so that you and your family can make a fully informed decision.

Here’s the deal

Alzheimer’s and dementia are very serious conditions that have been shown to reduce your life expectancy.

So, can you get a policy? Yes. That said, no matter how we approach it, you’re going to have a “waiting period.” A waiting period means that from the time you’re approved for the policy, you have two years before they will pay 100% of the death benefit if you were to pass away. If you pass prior to the two-year mark, you most likely only receive the back the premiums you paid plus interest (usually 10%).

Although diagnosis and treatments have had massive improvements over the past couple decades, this is still a situation that the insurance company views as high risk.

How Final Expense Companies Underwrite Dementia & Alzheimer’s

Underwriting is just a fancy term for the insurance company to determine the risk level of offering you coverage. The process of underwriting can be questions, pulling prescriptions history, etc. This is all done to determine how much risk they’re taking on. In general, each company has their own process for underwriting but there are also certain conditions that every insurance company is going to see as risky.

When it comes to Alzheimer’s or dementia, funeral life insurance companies view them the same in regards to the risk.
Life insurers will react in one of two way once they learn you have dementia or Alzheimer’s

1. They flat out decline you (by far the most popular response)

2. They offer you a plan that has a two-year waiting period along with a significantly higher premium

The Health Questions

Every insurance company will ask questions their own way, but you’ll most likely see them ask about this condition in the following way (or something very close to this):
Have you ever been diagnosed with, been treated for, or been advised to receive treatment for dementia or Alzheimer’s disease?


As we said before, insurance companies are also going to pull prescription history to confirm what was filled out on the questionnaire portion of the application. This helps discourage people from even thinking that they can say “no” to a question because the prescriptions are going to tell the truth every time.

This is important

Below is a list of all the common Alzheimer’s & dementia drugs they have flagged. If you have ever filled a prescription for any of these pills, the insurance company is just going to assume that you have either Alzheimer’s or dementia. Once any of these are in your prescription history, there is no going back since these medications are almost always used exclusively to treat this issue.

• Acetyl L-Carnitine
• Aricept
• Cognex
• Donepezil
• Ergoloid Mesylates
• Exelon
• Galantamine
• Hydergine
• Namenda
• Razadyne
• Reminyl
• Rivastigmine Tartrate

How to Get Coverage When You Have Alzheimer’s Disease Or Dementia

If you or a loved one has Alzheimer’s disease or dementia, there’s only one option. You can only buy what is called a guaranteed issue life insurance policy.
A guaranteed acceptance policy is basically what the insurance company issues for the highest risk situations. There are literally no health questions, or medical history assessments of any kind. The insurance company will issue the policy to anyone, even if you just had a heart transplant last week. The only requirement is that someone is mentally capable of entering into a contract.

Two main components of a Guaranteed Issue Policy.

1. Most insurers will impose a 2-year waiting period, but there are few that have a 3-year waiting period. There is no possible way for you to find a policy that will offer full coverage in a shorter time period.

To be clear, this does not make this a bad solution. As we mentioned before, if you pass away within the first two years, you get your money back plus interest (usually 10%). Where can you invest your money today and basically get a guaranteed 10% return?

2. These policies do have a higher monthly premium. It should be pointed out again that the insurance company is basically assuming that you’re in the highest risk category. This makes shopping very easy for these polies because it really just comes down to finding the best priced policy from a reputable company.

How To Find The Best Burial Insurance With Alzheimer’s Disease Or Dementia

The cold hard truth is that you need to lean on an experienced professional agency to help you with this. Everyone wants the best deal, and by best deal, we mean getting the most coverage from day one for the lowest price.

Simplegacy works with 20+ insurance carriers. Not only will we find a company to work with you, we will find multiple. When we do, we can compare rates and impartially recommend whichever carrier will give you the best value. We are not tied to any single company, which gives us the ability to unbiasedly tell you what your best solution is. Since we only work in the Burial/Funeral/Final Expense Insurance category, you will never have to worry about being “cross-sold” or pushed into a solution that doesn’t make sense in the long run for you.

We are here to help you in any way we can. We will use every resource available to us in order to help you find the best policy that will work for you and your family. Our goal is to approach every scenario the way we would if it was our own family that we were planning for.

Call us at 888-519-9119 or fill out the quick quote form for an instant quote.

Facts & Tips For Burial Insurance:

  • Your coverage will never be cheaper than it is today.

  • The average funeral cost is between $9,000 and $15,000.

  • Work with an independent agent that represents multiple insurance companies.


Loved the service I recieved from Dominick at Simplegacy.  He was knowledgable and had answers to all my questions.


My husband and I each got a policy at what we feel is a fair price for our age.  Simplegacy was fair and professional.


I called in and got a burial policy.  Nick answered all my questions and didn’t pressure me at all.



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Simplegacy is a licensed independent insurance agency that specializes in burial insurance. If you are under the age of 85, there is a 99% chance that we can get you an affordable burial insurance policy to cover your final expenses.

Get a Quote

Or call (888-519-9119)

Get an Instant Quote

Simplegacy is a licensed independent insurance agency that specializes in burial insurance. If you are under the age of 85, there is a 99% chance that we can get you an affordable burial insurance policy to cover your final expenses.

Get a Quote

Or call (888-519-9119)