Jeff is a well-known speaker and expert in life insurance and financial planning. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading finance websites. He is a licensed life insurance agent and has helped over 3000 people secure life insurance. He is licensed in all 50 states & DC. Jeff has spoken at top insurance conferen...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Oct 14, 2020

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In this article, we review the top 11 medical conditions where we find you first day coverage at the best rate within your state.

First-day medical conditions are the ones where we are usually able to either improve a client’s coverage or provide coverage after a client has been declined from a storefront agency.

We get you the most death benefits for the dollar spent.

There’s 3 reasons folks look for this type of life insurance benefit. (There are DOZENS of reasons people want to buy a life insurance policy, but we hear the same three repeatedly.)

  1. The first one is to pay for funeral costs. Burials aren’t cheap. Nobody wants to price out a funeral, but it’s expensive.
  2. Secondly, they want to save money. Who doesn’t want more cash in their pocket? If you think you’re paying too much for coverage, then now is a good time to try and save some cash.
  3. The last reason we hear a lot is for charitable reasons. A lot of the clients we talk to want to leave a sizable donation to their favorite charity, and life insurance is a simple way to do that.

Why a review of the top 11 medical conditions?

woman suffering from medical condition needs first day coverageWe uncover ways to find people first day coverage where most carriers may only offer guaranteed issue or 24 month return of premium plans.

The value for you to work with us is we have access to the best carriers within your state in order to get you the most death benefits possible.

Here’s what you can accomplish by reading this article:

  1. In this article we will highlight a medical condition and you can get a preview of how we place your case.
  2. Use our world class online quote engines to see how much death benefit you can afford using the carrier that we recommend for the medical condition.
  3. Begin an application with us over the phone or with a local agent if that carrier requires an in person interview.

Here we go…

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11 Top Medical Conditions Allowing First Day Burial Insurance


An aneurysm (arterial expansion) in the sinus can cause problems with your eyes and headache; if it ruptures, the affected individual may have a red, bulging eye.

Symptoms: Headache, visual problems, seizures, weakness.

Treatment: Depending on the severity, treatment may not be required. If severe enough, surgery might be recommended.

Breast Cancer

Breast cancer is the most common cancer in women, and the main cause of death in women related to women. There are more than 3.1 million breast cancer survivors in the U.S.

There are two kinds of breast cancer, ductal carcinoma and lobular carcinoma. Additionally, the cancer can be either invasive or non-invasive.

Symptoms: rash, change or shape of breast, redness, pain around the breast or armpit, or flaking skin.

Treatment: the treatment for the breast cancer is going to depend on a lot of different factors. Treatments could include surgery, chemotherapy, hormone therapy, and more.


Chronic Obstructive Pulmonary Disease (COPD) is a serious lung disease which create problems in the airways from inflammation. COPD could be caused by long-term smoking or from being exposed to certain gases.

Symptoms: Problems breathing, wheezing, excessive coughing.

Treatments: COPD can usually be managed by medications. There are several types of prescriptions used to relieve COPD symptoms. It could be anything from steroids to inhalers.

Cirrhosis of the Liver

Cirrhosis is a disease of the liver which causes scarring of the liver. It can also result in loss of liver cells.

The diagnosis of Cirrhosis of the liver can require several steps. It usually begins with noticing symptoms. After this, the doctor may suggest a blood tests, liver biopsy, or ultrasound.

Symptoms: yellowing of skin, itching, loss of appetite, and more.

Treatments: treatment for Cirrhosis of the liver can be simple, like a lifestyle change, or it could require more serious treatments. Depending on the severity, it could be treated with medication.

Amyotrophic Lateral Sclerosis (ALS)

ALS is a neurodegenerative disease which impacts the nerves in the brain and spinal cord. ALS will eventually lead to problems speaking, moving, or even breathing.

There are two types, sporadic and familial. Sporadic is the most common, meaning it’s not because of any family genes. It impacts people who don’t have a history of ALS.

Symptoms: the symptoms of ALS are going to vary in the beginning. Muscle weakness is a common symptom. Other people might experience slurred speech, fatigue of arms or legs, or twitching.

Treatments: there is no cure for ALS, but there are some treatments to minimize the effects of ALS. The doctor can prescribe drugs to control main.

Heart Attack

While heart attacks are very common, most people don’t understand exactly what happens during these scary moments. A heart attack happens when the blood, which takes oxygen to the heart is limited or cut off.

When the heart doesn’t get oxygen, ischemia happens, which can result in damage of the heart.

Someone in the United States suffers from a heart attack every 40 seconds. Because they are so common, it’s important to understand the symptoms and the treatments.

Symptoms: chest pain, shortness of breath, sweating, lightheadedness, and pain in arms.

Treatments: treatment will involve clot-dissolving medications, surgery, angioplasty, or some combination of these.

Sickle Cell Anemia

This is a specific type of anemia, which is a condition which means there isn’t enough red blood cells in the body. Without those healthy red blood cells, the body doesn’t get enough oxygen.

Usually, those red blood cells are round, allowing them to move throughout the body with no problems. With sickle cell anemia, they are rigid and shaped like crescent moons. This causes the cells to get stuck or slowed down.

Symptoms: swelling in hands and feet, problems seeing, painful episodes in joints or abdomen, and frequent infections.

Treatments: currently, there is no cure for sickle cell anemia. There are some treatments which can help reduce the complications of the condition.

One of those is antibiotics. In most cases, children will begin by taking antibiotics to prevent any infections.

Another treatment is hydroxyurea, which can decrease the number of crises and the need for a transfusion.

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Hepatitis C

Hep C is an infection in the liver which causes to inflammation. Depending on the severity of the condition, it can lead to serious damage of the liver.

The longer Hep C goes untreated, the more complications which can arise. One of those is liver failure.

Symptoms: tiredness, loss of appetite, yellow skin, itchy skin, swelling legs, weight loss, and more.

Treatments: To begin, Hep C will be treated with antiviral prescriptions. These are used to eliminate the virus.

If the Hep C has progressed, a liver transplant might be considered. The new liver won’t cure the Hep C, the condition can damage the new liver.

Bipolar Disorder

Bipolar disorder is characterized by extreme mood swings between highs and lows. These swings are between episodes of mania or hypomania and depression.

Depending on the severity and the type of the bipolar disorder, it can look very different. Those mood swing episodes can be rare.

Symptoms: feeling “high” for periods of time, episodes of depression, reckless behavior, being lost or empty.

Treatments: treatments for bipolar disorder are various types of medications. This could be anything from mood stabilizers to antidepressants.

Multiple Sclerosis

MS is a disease which attacks the brain and spinal cord. In patients with MS, the immune system attacks myelin, which surrounds nerve fibers. Eventually, MS will lead to the nerves deteriorating and becoming damaged.

Symptoms: numbness/weakness in limbs or on one side of your body, loss of vision, tingling or pain in various parts of the body, fatigue, dizziness, slurred speech, and more.

Treatments: there are two main treatments for MS attacks. One of those is corticosteroids, which can reduce nerve inflammation. The other is plasma exchange, which can alleviate some of the symptoms if the condition isn’t severe.

Trans Ischemic Attack (Mini-Stroke)

The trans-ischemic attack (mini-stroke), is exactly what it sounds like – a small stroke. These mini-strokes should be used as a warning sign, because a third of patients who experience the mini-stroke are going to fall to a more severe stroke within a year.

Symptoms: much like a typical stroke, there are several red flags to be aware of. Blindness in one or both eyes, dizziness, slurred speaks, numbness in arm, leg, or one side of the body. 

Treatments: one treatment is prescriptions. There are a couple of categories used for patients who experience a mini-stroke. Your doctor could prescribe anti-platelet medication, anticoagulants, or thrombolytic agents.

Another option is surgery. If the artery in the neck is narrowed enough, surgery could be the best option to prevent further complications. On a similar note, angioplasty could be used. This is a balloon device which can open up any clogged arteries.

Take Caution, Save Money

So there you have it.

With a highly diversified mix of carriers we can ensure that we can find the most death benefits that you qualify for.

Most of our clients had no idea coverage for these medical conditions would be available.

And, even if we can’t, for some reason, get you approved with one of these conditions, we can still get you a burial insurance policy like anyone else.

There’s no reason not to give us a try.