Final Expense Life Insurance For Stroke Victims

Last Updated July 11, 2024

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Dying man in hospital

Every 40 seconds, someone in the United States has a stroke.

Every 3.5 minutes, someone dies of a stroke.

If you have a pre-existing condition like a history of strokes, we know how hard it can be to get life insurance.

Can I Get Final Expense Life Insurance For Stroke Victims If I Have Had A Stroke?

If you have had a stroke, you can still acquire final expense insurance. Final expense insurance is accessible to practically everyone, regardless of age or health status.

Life Insurance for Stroke victims and their loved ones have a lot on their plates, and making decisions and planning is a lot more difficult than it used to be. Strokes are also frequently surprising. It’s nearly hard to plan ahead. So, what are your options?

Life Insurance After Stroke?

Final expense insurance is designed to accommodate seniors that have pre-existing health conditions, with fixed incomes who simply cannot get regular life insurance.

With face amounts from $1,000 all the way up to $50,000, final expense life insurance is a great alternative and the insurance that you need.

How Much Does Life Insurance For Stroke Victims Cost?

On average, final expense insurance can cost between $50 and $170 per monthThis is going to depend on how recent your stroke was

It takes minutes to apply and some of the top insurance carriers don’t even ask you medical questions.

Company 50 y/o Male 50 y/o Female 60 y/o Male 60 y/o Female 70 y/o Male 70 y/o Female
$34
$27
$51
$40
$73
$58
$39
$34
$52
$41
$86
$65
$30
$24
$43
$32
$74
$53
$36
$30
$47
$37
$81
$60
$55
$38
$68
$53
$106
$80

These figures were obtained from the NFDA and are estimates only. For a detailed quote, please contact an agent. 

What Underwriting Can I Expect To See On My Application?

As you may know, underwriting on insurance applications is very black and white. They’ll ask you a question, expecting a yes or no response, prompting the next applicable steps in the process without any room to explain yourself – strokes are, unfortunately, no different.

Although you can expect to see stroke-related questions on the questionnaire, it’s not the end of the world. Most of the time, strokes do not disqualify you from coverage and may not even adjust your rate, depending on the condition associated with the stroke as well as the severity of such. Keep in mind that some insurers may not directly ask you about your condition, but rather, may inquire about the medications you’re taking.

What Do I Do If I’m Declined From Life Insurance For Stroke Victims?

Thankfully, there are plenty of other insurers out there who will insure you. First of all, if you’re interested in final expense insurance or any other whole life insurance and don’t want to do all of the research yourself, you’re always welcome to give us a call. We specialize and succeed in bringing seniors across America the best coverage options available to them. Aside from this, though, you have other policy options, such as a guaranteed whole life insurance policy, wherein you are guaranteed acceptance and your rates don’t change so long as premiums are paid.

Now you may be asking…

What is a Guaranteed Whole Life Insurance Policy?

It’s about as simple as it sounds.

A Guaranteed Whole Life Insurance Policy accepts applicants regardless of their status although at an adjusted rate based on your specific qualifications. This policy may contain a waiting period, up to two years, before payout may be put into effect. Guaranteed Whole Life Insurance also builds cash value as the premiums are collected, effectively rewarding you for the length of time spent paying for your policy.

How long are the waiting periods if I have had a stroke?

Similar to above, this also is heavily dependent on how recent your stroke was. 

In most scenarios, you’ll have a 2 year waiting period before you’d be able to receive the full death benefit in the event of your passing. 

The good news is, there are insurance companies that offer final expense life insurance for seniors with no waiting period, even if you’ve had a stroke within the last 24 hours. 

Best Life Insurance For Stroke Victims

Plenty of companies that offer burial insurance cover seniors who have suffered a stroke. Depending on how recent your last stroke was, the best plan for you may vary.

The top insurance carriers we work with still offer you plans with face values from $5,000 to $50,000.
These carriers include:

Conclusion

Pre-existing conditions can make it seem impossible to find a life insurance to take care of your family.

We are here to say, you still have hope. A final expense life insurance is the absolute best option for you if you have a pre-existing condition.

Call us today at 1 866-311-4338 and let our licensed agent bring you and your family, peace of mind. 

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