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Now you might be thinking that finding affordable burial insurance after a TIA attack is going to be really tough.
Nothing could be further from the truth.
Low cost funeral insurance is absolutely possible even if you have had a TIA attack.
As it turns out, there are final expense companies that are very open to accepting applicants who have had a mini stroke. We have a long list of clients who we helped acquire burial plans after they’ve had a TIA attack. What we did to help them, we are going to reveal to you today.
In this piece, we are going to show you how burial insurance companies will respond to a mini stroke, what your options will be, and how you to find the best plan possible.
What To Expect When Buying Burial Insurance After A Tia Attack
Every final expense life insurance plan will specifically ask about strokes. However, mini strokes are VERY different than full blow strokes. With that, we are happy to report that there are indeed some burial insurance companies that DO NOT ask about transient ischemic attacks.
Since there are insurers that do not inquire about mini strokes, you can absolutely get yourself qualified for a level death benefit burial insurance plan. This means you will pay the absolute lowest cost offered by the insurer, and your coverage will be effective the first day of your policy. You will have NO waiting period whatsoever!
Oh and it gets even better (if you can believe it).
At no point in the application process will you have to provide a blood or urine sample. There is no medical exam at all. All you have to do is answer some health questions.
Some companies do care about mini strokes, and would absolutely charge you more along with imposing a waiting period. Fortunately for you, you are dealing with a highly experienced independent agency that has access to many burial insurance companies. We will absolutely connect you with one of the insurers we have that could care less about mini strokes.
Transient Ischemic Attack Underwriting
There is no final expense life insurance company that will not ask about full blown strokes. At the same time, most of them will also ask about mini strokes. Fortunately, there are a few companies that do not ask about them, and do not care if you have experienced one.
With a TIA attack, a small blood clot in your brain will briefly stop blood flow. The net result of this temporary blockage is NO permanent damage. This is very different than a full blown stroke where the blockage remains and damage is often permanent.
At the end of the day, the lack of permanent damage is why some burial insurance companies will NOT interpret a TIA as a high risk event. However, there are some insurance carriers that will.
Here’s the bottom line.
Your options will entirely depend on whether or not you will qualify for a burial insurance plan with one of the insurance carriers that DOES NOT care about transient ischemic attacks. If you have some other health issue that prevents you from qualifying with them, your options are much more bleak. If that happens, you can still get affordable coverage, but you will have to accept some concessions.
Companies That Are Perfectly Fine With TIA Applicants
Essentially, they view a mini stroke as nothing. They don’t care about it in anyway. To them, a TIA applicant is equal to a marathon runner. You will still have access to the lowest rates possible, and your coverage will begin on day one of your policy.
Pretty simple right?
We pray you qualify with one of these companies.
But What If You Don’t Qualify With Those Companies?
As you may or may not know, every burial insurance plan will assess your health in multiple ways. As stated, there are companies that will welcome mini stroke applicants with open arms.
At the same time, they will absolutely have other health questions about other health conditions. Hopefully, you don’t have any other health issues that would conflict with their underwriting guidelines. If you do, we would have to look at other options for you.
If this happens to you, we still have options for you that won’t cost an arm and a leg. Keep reading to get an idea of what to expect.
Companies that are NOT excited about TIA applicants
If your overall health profile prevents you from qualifying with one of the companies that are cool with TIA attacks, your options definitely change. In the end, these companies will impose two “penalties” if you will.
- You will have to pay anywhere from 15%-30% more
- You will have a partial or full waiting period (depends on the company)
Unfortunately, these two penalties are not something you can avoid if you don’t qualify with one of the insurance companies that are accepting of mini strokes. Thankfully, you can still get coverage, and in most cases it isn’t even a ton more.
How These Companies Look For Mini Strokes
These companies will specifically ask about TIA’s in their health questions, or their definition of a “stroke” includes both full blown strokes and mini ones. Don’t worry, we are familiar with all of them and what their guidelines are.
The questions about mini strokes will appear in one of the following two ways:
- Have you had or been treated for a TIA attack within the last 2 years?
- Have you had or been treated for a TIA attack within the last year?
It’s far more common for final expense life insurance companies to ask about mini strokes within the last 2 years. Be that as it may, there are a few companies out there that will only look back 1 year on mini strokes (full strokes too).
1) Your TIA Was Within The Last 1 Year AND You DON’T Qualify With One Of The Companies That Accepts TIA’s
So if you fall into this category (which is rare), you are going to have to accept a higher monthly premium and a full two year waiting period. Thankfully, with all the companies we have access to, this seldom happens.
2) Your TIA Was Over 12 Months Ago BUT Was Within The Last 2 Years AND You DON’T Qualify With One Of The Companies That Accepts TIA’s
In this case, we are going to look at all the funeral insurance companies that only ask about strokes/mini strokes within the last year. If you don’t have any other health issues that get in the way, we would be able to secure you a level death benefit. Basically, you would have instant protection, and you would pay a rock bottom price.
3) Your Mini Stroke Was Over 2 Years Ago
At this point, it’s a non issue altogether. Pretty much 99% of final expense companies only go back 2 years on mini strokes if they indeed have issues with them. Since its been over 2 years now since your attack, you can get approved for a level death benefit with everyone.
Medications Watch list With Companies That Red Flag Mini Strokes
In addition to health questions, there is always a prescription history check. Essentially, the insurance company is looking for known medications that treat a condition. In this case, they will have a sharp eye for some common medications that are often prescribed after a mini stroke. Pretty much all of them are blood thinners of some kind.
If you are taking any of these medications because of your TIA, expect that some burial insurance companies will view you as a mini stroke patient. Even if you say no to the health question about a TIA, it’s definitely possible that these medications will override your no answer.
Every insurance company has a slightly different drug guide. Just know that these are all commonly watched. There are more than just these by the way. These are just the most popular ones.
Just know this, your Choice Mutual agent will absolutely figure all of this out. We just believe in full disclosure which is why we go over this stuff.
When You Were First Prescribed These Medications Also Has A Profound Effect On Your Options
It’s extremely common for a lot of final expense companies to have what is called a “first fill” protocol. Basically, its the practice of taking into account how long an applicant has been on a drug when they determine their risk.
For example, Plavix is ultra popular for people who have experienced a heart attack or stroke. What most insurance carriers will do is look to see when you first filled the prescription for Plavix. They will have a protocol that says if the first fill was OVER 2 years ago, they will come to the conclusion that you have NOT had a heart attack or stroke within the last 2 years (assuming you said you didn’t).
At the same time, if you said you had no heart attack or stroke within the last 2 years, but Plavix was FIRST prescribed within the last 2 years, they will come the conclusion that you did in fact have a heart attack or stroke within the last 2 years. Honestly, it makes sense. Doctors only prescribe Plavix when someone has a heart attack or stroke. So if you didn’t have one, then why did they give you that medication in the first place? This is the thought process of the insurance company.
When it’s all said and done, Choice Mutual will take care of all of this for you. Once we know all the details of your health, we will absolutely determine which companies are best for you. As you can see, there are many variables to consider. This is why you won’t see life insurance sold in grocery stores. There’s just too much to consider.
How To Find The Best Burial Insurance After A TIA Attack
By now, you are probably well aware that there are many variables about your health in play when you have a TIA. As stated, hopefully you qualify with one of the companies that accepts mini strokes. If you don’t, the path to the best burial insurance becomes a bit more complicated. Fortunately, it won’t really require any more work on your part.
That sounds odd huh?
Let us explain.
Finding the best burial insurance after a TIA attack is done by working with a HIGHLY experienced independent broker that represents lots of insurance companies. At the end of the day, a company that fits this description will analyze your entire health profile to see which carriers best match your individual situation and consequently offer you the best rates for the best plan.
So what’s your job you say?
Your homework is to do 2 things.
- You need to find an agency that fits that description (o wait you already did that. wink, wink Choice Mutual)
- You need to be completely up front and thorough about all your past and present health conditions
Once you have done those two things, you just sit back and let your agent do the work to find you the best plan. As long as you do this, you will be in very good hands even if it is not us (although we hope you allow us to earn your business)
If you want expert help, give us a call at 1-800-644-2926. Let us do the heavy lifting for you. We will make sure we find you the best burial insurance plan, and we will make it a heck of a lot easier than you would find with any other company.