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Qualify For a Burial Plan After a Transient Ischemic Attack
Like most, you probably do not want to leave financial burdens to your loved ones. Proceeds from a final expense life insurance policy pass to your beneficiary at the time of your death to help cover funeral or burial expenses, unpaid medical bills or other costs.
Unexpected costs can create a financial burden on family members, making this time even more difficult. Planning your funeral arrangements or how your loved ones will pay for your final expenses is not typically at the top of anyone’s to-do list. But could your family pay for these expenses without sacrificing their retirement and savings? If you’d like the comfort of knowing you are not leaving a financial burden to your family, plan for these costs by purchasing life insurance.
You might think to qualify for a burial plan after a transient ischemic attack with first day coverage at a reasonable rate isn't an easy task. You certainly want to enlist the help of an independent life insurance agent that has access to several different carriers and experience in dealing with the “knockout questions” on insurance carrier applications. These knock out questions apply to both medical conditions and prescription drugs.
Independent insurance brokers typically know which life insurance companies tend to offer the most competitively priced policies for applicants with certain medical conditions or risky lifestyles. For example, some insurers will offer better prices for people with heart disease or diabetes than other companies. Other life insurers are more lenient when it comes to cigar use or tobacco chewing. And still other companies will quote better rates for nonmedical risks such as aviation, scuba diving or foreign travel. Captive Agents, those agents that work for your neighborhood Agencies like State Farm, Farmers, and Progressive might simply decline the case and either recommend an independent agent that can find the right coverage or simply say, I’m sorry I can’t help try someone else.”
First let’s review all the factors we might run into in dealing with an applicant that is applying for a final expense policy.
Transient Ischemic Attack
Transient Ischemic Attacks (TIAs) are temporary, often recurrent episodes of impaired neurological activity resulting from insufficient blood flow to a part of the brain. These “little strokes” or little brain attacks may last for seconds or hours, after which the symptoms gradually subside. TIAs share a common pathophysiology with brain attacks and may serve as a warning of an impending CVA. Ten percent of individuals who have transient ischemic attacks suffer a stroke within 3 months.
The particular combination of symptoms during a transient ischemic attack, like those for a stroke, depend on which portion of the brain is affected. Symptoms may include the sudden onset of muscle weakness in the arm, leg, or foot on one side of the body. Other symptoms may include diplopia, speech deficits, dizziness, and staggering or uncoordinated gait. Transient ischemic attacks generally do not result in unconsciousness.
Prompt treatment is important to prevent a future brain attack. The course of treatment selected depends on the location of the area of ischemia and the underlying cause. Antiplatelet agents and aspirin or anticoagulant drugs are typically used to treat an ongoing attack and minimize the chance of another. Surgery to promote blood flow to the affected area may be attempted in certain cases.
Finding a Policy at the Best Value
In order for you to qualify for a burial plan after a transient ischemic attack fill out our quote tool. When you have suffered from a transient ischemic attack and are looking for a small whole life policy also called a burial plan there are carriers that do not recognize a transient ischemic attack as a stroke and do not ask about it on their application. Therefore you may likely be approved at a preferred rate, depending on a review of your current and history of medications you take.
These final expense programs have the following guarantees
1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. Your benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.
Seniors looking for a state regulated final expense life insurance policy or a whole life burial plan often have medical impairments and conditions that may raise the cost of these benefits. We keep track of these medical impairments and conditions and contract with several carriers so we can find the most benefits for the amount of money that you spend. Here we will review what we might see as we field underwrite the COPD medical condition. We can help you find first day coverage at a standard rate.
3 Top Reasons why folks use these programs
1. Because they do not have a DEDICATED amount for their funeral or final expenses
2. Because they’ve recently checked the pricing on what they currently have in place. They want to see if they can find more benefits than what they currently have.
3. Because they want to leave behind a legacy. Income for a surviving spouse, money for grandkids, or to charity (Cancer Society, Church, etc)