Life insurance with Alzheimer’s Disease or Dementia.

As anyone who has ever had a family member suffer from dementia knows, it truly is one of the most painful diseases to have to live through.  Characterized by the gradual loss of brain functioning, dementia slowly makes it more and more difficult for its victims to continue to perform life’s daily activities.

Alzheimer’s disease is characterized as a disease of dementia which is why insurance companies will typically deny anyone applying for a fully underwritten life insurance policy.

Other options, such as a guaranteed issue life insurance policy or an accidental death policy, are available.

In our experience at TermLife2Go, we have found that it is often the family members of those suffering from Alzheimer’s that are looking to secure a life insurance policy for their loved one.  In these cases, the family isn’t necessarily looking for a policy to protect young children, replace lost income, or cover the cost of a mortgage. Rather, the family just wants something in place that would cover cover your final expenses or burial plan costs.

In these cases, guaranteed issue life insurance that does not require a medical exam or even ask any medical questions can be a great fit.  There are many reasons that a client should buy burial insurance. These policies can be taken out by the family, for their loved one, so that when the end comes, there will be some financial assistance in place.

Guaranteed issue life insurance policies, will typically be limited to less than $25,000 in coverage and will have some unique features to them that are not typically found in more traditional fully underwritten policies.

Features that you will want to avoid that are common in many commonly advertised guaranteed issue life insurance policies today include:

  • Increasing premium payments throughout the policy.
  • Policy termination at age 80.
  • 3 year “Graded Death Benefit”

For this reason it is important to speak with a professional life insurance agent that will have several different guaranteed issue life insurance policy options to choose from before applying. At TermLife2Go, we work with the best final expense insurance companies and can find the right fit for you or a loved one.

You can also…

Visit our Final Expense Life Insurance Quotes page which will allow you to see quotes from all the final expense companies that we are currently working with.

So what are you waiting for?  Give the professionals at TermLife2Go a call to see just what we can do for you!


Because we’ve been doing this awhile here at TermLife2Go, we know that a lot of times when you suffer from a condition like Alzheimer’s Disease you’re not really able to work and may not have a ton of discretionary income, especially if you’re currently receiving SSI disability.

This is why…

We’ve chosen also to write an article The Best Money Making Apps to help those who may not be able to actually go to work every day find ways that they can make money from home, on their own time.

Now will you end up using this money to help finance a life insurance policy? 

Who knows, but our ultimate goal here at TermLife2Go is to help improve the financial security of our clients so it is our hope that this article and our Best Money Making Apps article helps you do this.


4 comments... add one
    • TermLife2Go

      Hi Grant,

      An agent will be reaching out to you shortly to help you find the right life insurance policy for you. You can always give us a call at 888-234-8376 as well.

      Thank you!

    • TermLife2Go


      We’re sorry to hear about your mother, but would like to try and help you out. Unfortunately, we here at TermLife2Go are unable to write policies for those who are living under a power of attorney of another.

      That said however, you may find that one of the insurance companies mentioned in the following article may be able to help you out if you contact them directly.



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