How To Buy Burial Insurance With Pre Existing Conditions in 2025

Obtaining burial insurance with pre-existing conditions is well within reach.

If you’ve ever felt that your health history is a roadblock to securing burial insurance, you’re not alone.

But here’s the silver lining: with the right know-how, that roadblock can turn into just a minor speed bump. Curious to know more? Let’s unpack this together.

Read on, and I hope this makes this article helpful.

Why Burial Insurance Matters with A Pre Existing Condition

None of us want to leave our families with the financial stress of funeral costs on top of their emotional grief. That’s where burial insurance comes in.

Think of it as a safety net, ensuring your loved ones have one less thing to worry about when the time comes.

What Are Considered Final Expenses

Final expenses refer to the costs associated with the end of a person’s life.

This includes immediate funeral-related charges like burial or cremation, caskets, and memorial services, as well as lingering financial responsibilities such as unresolved medical bills or outstanding debts.

The aim of final expense insurance is to help families manage these costs without added financial stress, ensuring a dignified farewell for their loved ones.

Getting the best burial insurance when you have a pre-existing condition is easy to get. Here are the basics on how!

How To Qualify For Burial Insurance With Pre-Existing Conditions

It’s a common misconception that a pre-existing condition might close the door to obtaining burial insurance. However, the reality is much more optimistic.

Firstly, many insurance providers have broadened their horizons, recognizing that health conditions are just a part of life’s intricate tapestry. Surprisingly, numerous carriers specialize in health impairment niches, meaning you can still secure day one coverage without a hitch!

Begin by laying all your cards on the table regarding your health history; this transparency can steer you towards policies designed especially for you.

Consider diving into insurers who promote “guaranteed acceptance” policies; these often sidestep extensive health scrutinies, allowing you to obtain coverage without jumping through endless hoops.

Collaborating with an insurance broker or agent with experience in this particular area can also be a game-changer. Their expertise can introduce you to companies and plans more amenable to applicants with health conditions.

And remember, while every insurer has their own unique criteria, one rejection doesn’t mean the end of the road.

Your persistence, comprehensive research, and tapping into expert advice will surely pave the way to success.

*Keep in mind this is for medical conditions alone. Treatment and combo medications may alter the rating class.

Best Burial Insurance Policy For Pre Existing Conditions

Below are the health impairments and the best carrier available, Keep in mind certain medications can have an adverse effect.

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Out of 249 health impairments, Mutual of Omaha’s Living Promise would give you a level death benefit 137 times. No wonder why they are our Go-To carrier.

They also give level coverage for seniors up to age 85!

Here is a TIP: Royal Arcanum’s graded policy is an excellent alternative to a guaranteed issue policy if you are in the right residing state.

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How To Get The Best Burial Insurance Quotes For Pre Existing Conditions

Navigating burial insurance with a pre-existing condition can initially appear challenging, but armed with the right strategy, obtaining competitive quotes becomes entirely feasible. To maximize your chances of finding the best fit, consider the following steps:

Honesty with Your Agent: Remember, agents work for you, not the insurance companies. Being transparent about your health can lead to more accurate and tailored policy recommendations.
Health and Lifestyle Assessment: Ensure you and your agent go over vital health and lifestyle questions.

This includes:

• Age: Different age groups may have varying premium rates or policy offers.
• Medications: List all the medications you’re on, as this can influence policy terms and costs.
• Health Impairments: Clearly state any chronic conditions or health challenges you’re facing

Burial Life Insurance Policies Without A Medical Exam

Embarking on the burial insurance journey might feel like a winding path, but here’s a beacon of clarity: many burial insurance or simplified issue whole life policies don’t mandate a medical exam whatsoever.

This translates to securing coverage without the customary health checks, offering a process that’s both swift and non-intrusive. For those averse to the idea of needles or exhaustive health evaluations, this is a breath of fresh air.

What’s even better? Depending on the insurance carrier’s application process, you could be covered in as little as 20 minutes. These policies are artfully designed to be straightforward, catering to individuals who value efficiency.

Though terms might vary across providers, the core benefit remains consistent – prompt and hassle-free coverage. If policy details ever seem overwhelming, remember, insurance experts are just a call away, ready to guide you through.

In essence, burial insurance is evolving, ensuring accessibility and convenience for all, no medical exam in sight.

Can You Be Denied Life Insurance For High Blood Pressure

Is High Blood Pressure a pre-existing condition? Yes and No. High blood pressure is a pre-existing condition.

However, most insurance companies are lenient as long as you are not taking multiple medications in combination with multiple fluid retention medications.

Can you be denied life insurance for a pre-existing condition? Yes, But wait! Do Not Fret! When one carrier denies you, there is always another one that will not. Follow your agents lead and they will find you best coverage for your needs!

In the eyes of the insurance carrier, this is a risk of a few health impairments, such as Congestive Heart Failure.

How do insurance companies know if you have a pre-existing condition? Be very specific and transparent with your agent when you review your medical history.

Transparency is vital for your agent to help get you the coverage you need and want and be able to protect your loved ones.

Although there is no medical exam, and no nurse comes to your home, there are prescription checks and some underwriting and qualifying when you and your agent submit your application.

What Factors Do Burial Insurance Companies Consider on Applications?

• Prescription history
• Your MIB records
• Finally, the answers to the health questions your insurance agent asked you.

The application takes approximately 20-30 minutes from start to finish. 99% of the time you will be instantly approved.  

For example, based on the information provided and the information on your MIB report, the carrier will ask for some additional information. For this reason, Do Not Fret. This is normal!

Advantages of Burial Insurance for Individuals with Pre-Existing Conditions

Criteria for No-Question Guaranteed Issue Life Insurance

When faced with severe health challenges, such as cancer, oxygen use, or recent heart surgeries, the insurance world can seem like a labyrinth. However, No-Question Guaranteed Issue Life Insurance shines as a lifeline in such circumstances.

The term “Guaranteed Issue” itself signifies a promise: approval is certain, regardless of health history. By eliminating the typical health screenings, this insurance simplifies the application process, primarily relying on age brackets for eligibility.

Yet, potential policyholders should be vigilant about a few things: coverage limits might be on the lower end, and premiums can be higher, reflecting the insurer’s increased risk.

Even with these facets in mind, for those grappling with serious health issues, this policy type emerges as a crucial tool for ensuring financial security and peace of mind.

Always delve into the policy’s finer details, understanding waiting periods and payout conditions, to make an informed and beneficial choice.

Prescription History Burial Insurance Policy Application

When you apply for life insurance…  Your prescription history for life insurance applications matters!

What to expect regarding medication history and the prescription drugs you currently take or no longer take?  

In fact, companies ask medical health questions during the application process. In addition, they ask for your past and current prescription list. 

The insurance agent will ask you questions about your health. This information helps to determine your life insurance rates.

Remember that you do not need to take an exam for burial life insurance plans.

However, the carrier will look at your Milliman prescription databases to qualify for life coverage. A typical scenario and a possible red flag would be:

Let’s say you have been prescribed a blood pressure medicine that you are no longer taking. But you fill this prescription. As far as the burial carrier is concerned, you filled it; you must be taking it. Furthermore, if you filled this prescription, you must have the condition it is meant to treat. 

What is a MIB File

MIB is the Medical Information Bureau. 

When you submit any type of life insurance application with any company that partners with the MIB, the life insurance company will make a report about you to the MIB. 

The information you entered on your application is on the report.  

The MIB is member-owned.  They have been in force since 1902. 

What is the MIB’s purpose?

Simply put, during the underwriting process, you must assess and alert underwriters of any errors or misrepresentations. 

The MIB does not store any of your medical records. The information on the MIB report is not from your Physicians. It is the information YOU provide on your application. 

In fact, MIB is also in place to ensure you are telling the truth on your application. Be honest!

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FAQ

Is there a medical exam required for same-day approval of burial insurance?

NO, there is no medical exam required with final expense life insurance. Even life insurance for seniors over 70 NO MEDICAL EXAM! If you were applying for a traditional life insurance plan such as, a term life insurance policy, then you would be required to have a medical exam scheduled.

What type of life insurance is this?

Actually, Same Day Instant Approval final expenses insurance is a simplified whole life policy.  No medical exam life insurance to be exact. The type of insurance companies that offer this type of policy are some you may be familiar with, such as Mutual of Omaha, Royal Neighbors, and Prosperity Life Group to just name a few. No exam life insurance is the most simple simplified whole life policy for our seniors!

What is the application process like for same-day instant approval funeral insurance?

First, we qualify you. Second, we decide how much of a death benefit you would need. Third, we go over the insurance rates with you, this way you will know what to expect to pay in monthly premiums. Finally, we proceed with the application via, same day approval process. This could be “Voice Signature” or “Email Signature”.  This is sameday insurance!

Will the burial life insurance company ask me questions about my health problems?

Yes! With any/all types of insurance applications you will be asked a few health related questions. Before any issue of a policies are processed whether it’s a high risk condition or not, the carrier will need to be aware of your history. 

How do I qualify for final expense burial insurance with same-day approval?

Simple, we would go over your rate classification, (your health profile) to determine who and what carrier you qualify for. Pick your coverage amount and go over the rates, and then simply start the application process. There are several A + rated carriers who utilize a voice signature or Docu-sign INSTANT APPROVAL process!

Conclusion

Look, I get it. Thinking about burial insurance and pre-existing conditions might make your head spin. But remember: you’re not alone in this.

With the right info and a dash of determination, you can find the perfect policy that’ll give both you and your family some peace of mind.

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More Burial Insurance Resources

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• Burial Insurance Carrier Reviews
• Burial Insurance Carriers To Avoid
• Burial Insurance For Seniors
• Burial Insurance With Pre Existing Conditions
• Funeral Resources
• Informational