Quick answer · Dementia & Alzheimer's
Which life insurance fits someone with dementia or Alzheimer's?
A dementia or Alzheimer's diagnosis is a knockout question on health-questioned applications, so guaranteed issue whole life is the only realistic individual policy. There is also a capacity question: the person insured must be able to understand and sign the application themselves.
Which coverage paths can you discuss with a licensed agent?
- 1
Guaranteed issue whole life
Any diagnosis, as long as the applicant can knowingly complete and sign the application.
- 2
Final expense coverage on a healthy spouse
Protects the household budget when the diagnosed person cannot be insured.
- 3
Pre-need funeral funding through a funeral home
An alternative way to prepay the specific cost being worried about.
Which coverage limitations should you check?
Simplified issue, term and fully underwritten policies are all closed once dementia is diagnosed.
When can life insurance coverage start?
Guaranteed issue issues quickly, with the standard two-year benefit ramp.
Frequently asked questions
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions and product availability are set by each carrier and vary by state, age, and health history.