You can be denied simplified issue burial insurance if you have serious health conditions like terminal illness, recent heart attack, or require nursing home care. However, guaranteed issue policies accept everyone — no health questions asked.
Denial depends on the type of policy you're applying for:
Simplified Issue (Health Questions)
Most burial insurance is "simplified issue" — you answer 8-15 health questions, but no medical exam. You may be declined if you:
- Have a terminal illness or are in hospice
- Had a heart attack, stroke, or cancer diagnosis in the past 2 years
- Are currently on dialysis
- Require oxygen 24/7
- Live in a nursing home or assisted living facility
- Have been diagnosed with AIDS/HIV
- Have Alzheimer's or dementia
Guaranteed Issue (No Questions)
If you're declined for simplified issue, guaranteed issue policies accept everyone ages 50-85. No health questions, no exam, no denial. The tradeoff:
- Higher premiums (30-50% more than simplified issue)
- 2-3 year waiting period before full benefits
- If you die during the waiting period, beneficiaries receive premiums paid + interest (not the full death benefit)
Bottom line: There's always a burial insurance option available, regardless of health status.
Related Questions
Get Your Personalized Rate
See what burial insurance would cost for your situation — enter your zip code below for an instant quote.
State-Regulated Programs • No Medical Exam
Great news - call us now to get the final expense coverage you need!
📞 253-212-7323We're currently expanding coverage in your area.
View Guaranteed Issue Plans