You can be denied simplified issue burial insurance if you have serious health conditions like terminal illness, recent heart attack, or require nursing ho...
We recommend checking Guaranteed Issue options below.
View Guaranteed Issue PlansDenial 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.
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Get Your Personalized Rate
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State-Regulated Programs • No Medical Exam
Insurance premiums increase with age. Apply before your next birthday to lock in your lowest possible rate of for life in .
Securing coverage while healthy locks in your rate of for life. Once issued, your rate will never increase even if your health changes.
We're currently expanding coverage in your area.
View Guaranteed Issue Plans🏛️ Official State Burial Insurance Rate Registries
Select your state to access live 2026 rate tables, actuarial calculators, and local funeral cost indices: