Health & Underwriting
Life Insurance With Dementia or Alzheimer's
This is the page where we have to be blunt. A dementia or Alzheimer's diagnosis is a knockout question on essentially every underwritten and simplified-issue application. Guaranteed-issue whole life remains available — but only while the applicant still has the legal capacity to understand and sign the application.
Not sure which fits?
Answer a few questions and we'll point you to the right coverage.
Why timing is urgent here?
A life insurance application must be signed by the insured, and the insured must have capacity to consent. Families who wait until a parent's cognition has declined significantly often find that the window has closed entirely. If a diagnosis has just been made, this is the moment to act rather than later.
What is guaranteedsue provides?
No health questions, no exam, guaranteed acceptance within the age band, level premiums for life, and a two-year waiting period on natural-cause death. Coverage amounts are modest — typically up to $25,000 — which is sized for funeral and final expenses rather than income replacement.
What approval or price promises should a licensed agent avoid?
We will not sell a policy to a family where the honest answer is that it does not make financial sense. If the numbers do not work, we will tell you that directly and talk through alternatives such as a prepaid funeral trust.
Why work with an independent agent?
A captive agent usually represents one company. Our network includes 20+ top-rated carriers, with available options depending on your state and profile. We help compare quotes for coverage and underwriting fit at no cost for comparison, without guaranteeing approval or the lowest price. Policy premiums apply.
Licensed Agent vs. captive agent — the full breakdownFrequently asked questions
Which other health conditions can affect coverage?
Stroke or TIA
Neurological
Parkinson's disease
Neurological
Epilepsy and seizures
Neurological
Multiple sclerosis
Neurological
Neuropathy
Neurological
Type 2 diabetes
Metabolic
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions, rate classes, and product availability are determined by each insurance carrier and vary by state, age, and health history. Carrier guidelines change without notice.