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What Are my Options For Burial Insurance If I Have Schizophrenia, Bi-Polar, or Depression?

What Are my Options For Burial Insurance If I Have Schizophrenia, Bi-Polar, or Depression?

Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

The Good News Is That You Have More Options Than You Ever Had In The Past

Getting final expense coverage for mental disorders such as depression, bipolar or schizophrenia has never been easier. With the final expense market being so competitive, many carriers are trying to win more business by being more flexible with accepting mental disorders.

Top 5 reasons why people with Schizophrenia, Bi-Polar, or Depression buy burial insurance

Here’s An Overview Of Today’s Topics:


First of all, let’s talk about depression.

Depression is kind of like an umbrella condition.

For example, some people have situational depression that is temporary in nature, such as losing a spouse. Perhaps you have situational anxiety, nervousness, mild depression, chronic depression, or major depressive disorder that requires time in a mental health hospital.

People with mental disorder can still qualify for burial life insurance

Living with a mental health disorder can be very difficult. We can make sure that getting life insurance isn’t one of the issues you have to worry about.

The point is there are a lot of varieties of depression. The good news is most final expense life insurance will allow for all of these things, even if you are taking prescription medication. I’ve seen people taking Zoloft, Xanax, or Depakote accepted without any problem, whatsoever.

Bipolar Disorder

The second situation is bipolar. Getting final expense burial insurance with bipolar has been tough, but it is getting easier if you work with an independent agent. Bipolar involves people experiencing very high highs, and very low lows.

The medical industry has all sorts of medications to treat bipolar. It’s a little bit harder to get burial coverage if you have bipolar, but certainly not impossible if you work with a company that has a range of options for mental disorders, like we do at my business.

What should you look out for? Well, for example, it’s much easier to cover somebody with bipolar if they only take Celexa. It gets harder if they’re on medications like lithium that are heavier in dosage. But still, I can find you preferred coverage under certain circumstances. So don’t fret! It’s actually very possible to get good coverage at preferred rates, even if you have bipolar.


The last issue that’s probably the hardest of all mental disorders to cover is schizophrenia. Schizophrenia is a mental disorder where people have

You can get coverage even with mental health problem

You can rest easy knowing that you can get coverage even with mental health issues!

visions and multiple personalities. Under the close guidance of a doctor, schizophrenia can now be managed with the right medications.

I’m happy to report that I’ve helped many people who have schizophrenia get full first-day coverage. Again, many companies cannot do this.

Even if you have mental disorder issue you can still get burial insurance coverage

I can think of many carriers that do not sell final expense life insurance at a preferred rate; however, I can find it. I know which carriers to talk to, and I have gotten many people with schizophrenia preferred rates and full coverage.

Burial Insurance Rates, Age 40 to 90*

Rates For $5,000 In Burial Insurance


Rates For $10,000 In Burial Insurance



Rates For $15,000 In Burial Insurance



Rates For $20,000 In Burial Insurance



Rates For $25,000 In Burial Insurance


David Duford owner of buy life insurance for burial with his son Goofball

My goofball son and I thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.

If any of these describe you and you’s like more information, check out my website. Shoot me an email or give me a call, and we’ll talk. I’ll gather some information from you and figure out what we can do for you. Until then, thanks so much for your interest.



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Looking for a small burial policy for my niece w bipolar disorder
There should be some type of life insurance for those w mental disorders!
Thank you
Please let me know if there are options

December 18, 2017 at 10:20 pm
    David Duford

    Hi Cynthia,

    Thanks for your comment.

    Yes, we should be able to help you regarding coverage on your niece.

    Bi-Polar is typically something our carriers can easily handle.

    Please give me a call at 888-626-0439 when you get a chance, and I’d be happy to run a quote for you.

    December 20, 2017 at 6:41 pm
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