Burial Insurance With Dementia or Alzheimer’s (2026)

Can you get burial insurance with dementia or Alzheimer’s? In most cases, yes. Even with a dementia or Alzheimer’s diagnosis, coverage is available through guaranteed-issue plans. Because these are no-exam policies, you answer a few health questions — and with the right carrier, dementia or Alzheimer’s rarely stands in the way of coverage.

Does dementia or Alzheimer’s affect burial insurance?

Because these conditions affect memory and decision-making, carriers cannot offer health-question (level or graded) plans. Guaranteed-issue policies exist exactly for this situation — no health questions and guaranteed approval. A spouse, adult child, or power of attorney can often help set up the policy.

What kind of plan will you qualify for?

You will qualify for a guaranteed-issue plan: guaranteed approval for ages 50–85, with benefits graded for the first two years and the full benefit after that.

How to get the best rate with dementia or Alzheimer’s

Every carrier underwrites dementia or Alzheimer’s differently, so the same person can get very different answers from different companies. That is the biggest reason to shop with an independent broker instead of calling one company — we compare 25+ carriers at once and place you with the one that views your health most favorably, at no cost to you.

dementia or Alzheimer’s burial insurance FAQ

Can a family member set up the policy?

Yes. A spouse or someone with power of attorney can usually help arrange guaranteed-issue coverage. Call us and we will walk you through it.

Written by Phillip Chin, licensed final expense specialist (NPN #8895251), licensed in all 50 states. We compare 25+ top-rated carriers to find your lowest rate — at no cost to you.