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Burial Insurance with No Medical Exam

Everything you need to know about getting covered without a physical exam.

Here's the good news: you don't need a medical exam to get burial insurance. That's different from regular life insurance, which often requires blood tests, physicals, and weeks of waiting. Final expense policies are built for people ages 50-85 who want coverage without the hassle.

Two Ways to Get Covered (No Exam Required)

There are really just two options here. Which one's right for you depends on your health:

Simplified Issue

Lower cost, a few health questions

  • No physical exam — ever
  • You'll answer 5-15 health questions
  • Coverage kicks in right away
  • Best rates you'll find
  • Works for most people, even with common conditions

Guaranteed Issue

Zero health questions, higher cost

  • No exam, no questions asked
  • Everyone gets approved
  • There's a 2-3 year waiting period though
  • Premiums run higher
  • Good option if you've been turned down elsewhere

What Health Questions Will They Ask?

Don't worry — it's not an interrogation. Simplified issue applications usually just want to know about serious conditions. Things like:

  • Are you currently being treated for cancer? (Or diagnosed in the last 2 years)
  • Heart attack or stroke in the past year?
  • On dialysis or waiting for an organ transplant?
  • Using oxygen at home?
  • Living in a nursing home right now?

If you can answer "no" to these, you're probably going to qualify. And here's what surprises most people...

💡 This Might Surprise You

Diabetes? High blood pressure? COPD? These usually don't disqualify you. Take a 72-year-old man in Ohio with Type 2 diabetes and controlled high blood pressure — he got approved at standard rates, paying $54/month for $10,000 in coverage. Carriers expect seniors to have some health issues; they're not looking for perfect health.

So What's This Going to Cost?

Rates depend on your age, whether you smoke, and whether you're male or female. Here's a rough idea for $10,000 in coverage:

Age Women (Non-Smoker) Men (Non-Smoker)
50 $28-$35/mo $32-$40/mo
60 $38-$48/mo $45-$55/mo
65 $48-$60/mo $58-$72/mo
70 $62-$78/mo $78-$95/mo
75 $85-$105/mo $105-$130/mo
80 $120-$150/mo $150-$185/mo

These are ballpark numbers. Try our calculator to see what you'd actually pay based on your zip code.

Why People Like These Policies

Beyond skipping the medical exam, there are some real benefits here:

  1. Quick decisions. A lot of carriers will approve you the same day. Sometimes in minutes.
  2. Easy application. Phone or online, takes maybe 15-20 minutes.
  3. Your rate is locked. What you pay today is what you'll pay at 90. It never goes up.
  4. Coverage that lasts. This isn't term insurance that expires. It's yours for life.
  5. Cash value builds up. You can borrow against it later if you need to.

When Guaranteed Issue Makes Sense

Look, guaranteed issue isn't for everyone — the premiums are higher and there's that waiting period. But for some people, it's the only option. And that's okay.

You might want guaranteed issue if:

  • You've already been turned down for life insurance
  • You're dealing with something serious — late-stage cancer, recent stroke
  • You need dialysis or use oxygen daily
  • You're in a nursing home or receiving hospice care

The waiting period is usually 2-3 years. If something happens during that time, most policies return what you've paid in plus about 10% interest — not the full benefit. After that period? Full coverage, no questions.

Consider a woman in her late 70s who'd been declined three times due to a cancer history. Guaranteed issue was her only path. Yes, she paid more — about $89/month for $8,000 in coverage — but she finally had the peace of mind she'd been looking for. Her daughter won't be stuck with the bill.

Common Questions

I have diabetes. Can I still get coverage?

Almost certainly, yes. We see diabetics approved all the time. As long as you're managing it with medication and haven't had serious complications (amputations, hospitalization), you should qualify for simplified issue at regular rates.

Is there an age cutoff?

Most no-exam policies are for ages 50-85. A few guaranteed issue plans go up to 80. If you're over 85, options get limited, but they do exist — give us a call.

What's this "waiting period" I keep hearing about?

Only guaranteed issue policies have one. It's typically 2-3 years. During that time, if you pass away, your beneficiary gets back everything you've paid plus interest — not the full death benefit. After the waiting period ends, you're fully covered.

I got rejected before. Am I out of luck?

Nope. That's exactly what guaranteed issue is for. No health questions means no rejections. Everyone qualifies, period. The tradeoff is higher premiums and the waiting period, but you will get covered.

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State-Regulated Programs • No Medical Exam

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