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Can I get Burial Insurance with Anxiety Disorder?


As if dealing with a mental illness, like depression and anxiety, wasn’t overwhelming enough, purchasing life insurance while facing such issues can be mind-boggling as well. 

Life insurance providers consider ALL illnesses in their underwriting procedures, possibly causing those with such conditions to incur much higher premiums than the average insurance policy.

The truth is that you absolutely can get first-day coverage for Burial Insurance with Anxiety Disorder, and we can get you the lowest cost funeral insurance plan that starts protecting your family NOW.

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Funeral insurance rates with anxiety

Perhaps you are one of the many Americans concerned with the kind of financial security that you will be able to leave for your loved ones, while dealing with health issues or mental illnesses, such as depression or anxiety. 

Could it have an adverse effect on your capability in securing life insurance coverage?

If you’ve never sought out life insurance before, the process for applying can seem intimidating and perplexing. 

Even more so for the individual suffering from anxiety, depression, or any other illness for that matter, such situations could possibly affect your ability to even receive coverage.

Our company, LJM Life Insurance, represents many highly rated and reputable life insurance carriers that are fully aware of anxiety disorders and have the ability to provide affordable burial insurance.

About Burial Insurance With Anxiety

Burial insurance, also known as funeral insurance, refers to the small, but affordable whole life insurance policy that covers funeral expenses and burial costs.  It should be noted that this is not the same as the pre-paid funeral or burial policy.

According to a recent survey, the cost of funerals is rising every day.  In fact, the National Funeral Directors’ Association reported in January of 2017 that the average adult funeral costs $8,343, and this does not include additional burial costs. 

With additional costs for a cemetery plot, often that cost exceeds $10,000, and this is without figuring in outstanding medical bills or other debts.

Preparing for your funeral requires careful examination of all final needs.  Some of the final needs that you’ll want to consider include where you want your memorial to take place, where you want to be laid to rest, cremation versus burial, and the type of urn or casket you prefer. 

While a funeral director can provide you with the list of products and services it provides, your final expense life insurance policy should cover the funeral package that you choose, plus any other final expenses.

An immediate burial insurance policy, although an economical option, only provides coverage for a modest graveside service and basic casket. 

Most immediate burial insurance policies do not cover the expense of a viewing.  It’s important to include costs such as the headstone, flowers, and burial plot in your estimation of your final expenses.

More costly than the immediate burial insurance policy is the traditional full-service plan, which covers the expense of the viewing, a formal ceremony, hearse, and entombment or cremation. 

Every single extra expense must be considered and calculated into your estimate of your final expenses when working towards selecting the appropriate burial plan.

How Does Burial Insurance Work with a History of Anxiety Disorder?

The final expense life insurance market consists primarily of whole life insurance policies that offer death benefits ranging from $5,000 up to $100,000 in coverage. 

It’s crucial that you have a good understanding of what you’re purchasing due to some policies having term life features.

Additionally, the death benefit of the burial insurance policy depends on whether the policy is graded or first-day coverage.

Graded policies use a two- or three-year period for the benefit to increase gradually to the face amount.  First day policies are forthright and offer full death benefit starting day one of the policy.

Burial insurance policies typically pay premiums plus interest if the insured passes within the first year of coverage, 30-50% after the first year but before the second year, and the full face amount of the policy after two years.

Insurance companies provide graded policies depending on the applicant’s health so that coverage is available while the risk is limited.

Whole life insurance policies, graded or not, have a fixed premium rate that cannot be raised, and the policy remains in force until; the insured passes or stops paying the premiums.

The best burial insurance when you have anxiety

Final Expense Insurance and The Many Faces of Anxiety

Burial Insurance with Generalized Anxiety Disorder (GAD)

While occasional anxiety is a normal part of life, Generalized Anxiety Disorder (GAD) is a psychological disorder characterized by unreasonable and excessive worry and nervousness, most often about everyday activities such as relationships, work, and financial situations.  The sufferer has difficulty in staying focused on their daily tasks.

When it comes to GAD, insurance companies will want to take a deeper look into the severity of your diagnosis before making a decision.

Funeral Insurance With Social Anxiety Disorder (SAD)

Social anxiety disorder, sometimes referred to as social phobia, is different from a generalized anxiety disorder in that the individual suffers from unreasonable and excessive fear or worry about social situations.  It can result in low self-esteem, intense nervousness, and extremely low levels of confidence.

As mentioned before, insurance companies are going to want to examine just how severe your “social phobia” is prior to making any decisions about coverage. 

There’s a huge difference between the nervousness one may experience from speaking in public versus nervousness from just answering the door.

Burial Insurance Panic Disorder

Panic disorder is a psychological disorder characterized by intense, and often debilitating fear and anxiety which can be either triggered or occur randomly. 

Panic attacks can occur in the individual and manifest as feelings of impending doom, heart palpitations, shortness of breath, excessive sweating, or feelings of loss of control. 

Just the worry about panic attacks occurring can impede daily life.  The main takeaway here is that the reactions are not considered normal responses and are excessive in nature.

Agoraphobia and Final Expense Life Insurance

Although a type of anxiety, agoraphobia is the avoidance of certain locations due to their triggering of anxiety in the individual, so that the individual avoids said locations at all costs. 

Those suffering from agoraphobia often find it difficult to leave their home and so they remain “trapped” in their protective environments in order to avoid possible panic attacks.

Phobias, in general, are characterized by an irrational or extreme fear of something. 

The something that leads to the phobia is specific to the individual and can be anything from spiders to tight spaces, such as elevators. 

The actual trigger for the phobia isn’t as important as the response to the trigger, such as irrational fear or the inability to leave one’s home.

Obsessive-Compulsive Disorder (OCD)

Obsessive-compulsive disorder is another anxiety disorder and is characterized by unreasonable thoughts and intense fears, known as obsessions, that oftentimes leads to compulsive behaviors. 

These compulsions can be centered around things such as germs or having objects arranged in a particular manner.

Post-Traumatic Stress Disorder (PTSD)

Post-traumatic stress disorder (PTSD) is characterized by consistent emotional and mental stress that occurs as a result of a traumatic event, either mental or physical. 

PTSD symptoms include general withdrawal from daily activities, disturbance in sleep patterns, and vivid memories of the traumatic experience.

This was just a brief overview of the different forms of anxiety disorder, and certainly not an exhaustive list of how or why they manifest for certain individuals.

How to Find the Best Burial Insurance Plan with Anxiety Disorder

In order to receive the most affordable burial insurance policy with no waiting period, unlike Guaranteed Acceptance Insurance often touted on TV, it’s wise to contact an independent insurance agent, such as LJM Life Insurance.  844-528-8688

WE have access to the most highly rated insurance companies that have burial insurance for seniors.

This type of insurance policy has no medical exam and the underwriting is generous, so you’ll be able to get coverage easily and quickly.

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About the Author


Loran Marmes headshotMy name is Loran Marmes and I am the owner of MyBurialInsurancePlan.com. I would like to explain why we are your best option when it comes to Life Insurance. We are an Independent Agency and we contract with all of the top-rated carriers in the country so we can offer you products and pricing tailored to your needs and budget. After a four-year tour of duty, I went into the printing business and enjoyed meeting with clients and helping them solve printing-related business issues. After years of 12-hour days in the printing business, I got my Health and Life Insurance license and decided to specialize in Life Insurance because I have seen first hand what happens to a family when the main breadwinner dies without any coverage. My intentions will always be to put your needs first so that I can deliver solutions that will accommodate your circumstances and your budget.