No. Most burial insurance policies do not require a medical exam. Simplified issue policies ask 8-15 health questions but no lab work. Guaranteed issue policies ask no health questions at all — approval is automatic.
One of the biggest advantages of burial insurance over traditional life insurance is the simplified underwriting process. Here's what to expect:
Simplified Issue (Most Common)
- Answer 8-15 yes/no health questions
- No blood tests, no urine samples, no doctor visits
- No paramedical exam
- Approval same day or within a week
- Coverage starts immediately
Typical questions cover major health events in the past 2 years: heart attack, stroke, cancer diagnosis, dialysis, oxygen use, etc. If you can answer "no" to most questions, you'll likely qualify for the best rates.
Guaranteed Issue
- No health questions at all
- Everyone ages 50-85 is accepted
- Higher premiums than simplified issue
- 2-3 year waiting period before full benefit
Guaranteed issue is designed for people who can't qualify for simplified issue due to serious health conditions.
Why No Exam?
Burial insurance is lower-risk for carriers because coverage amounts are small ($5,000-$25,000). The cost of underwriting with full medical exams would exceed the policy value for most applicants.
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State-Regulated Programs • No Medical Exam
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