How To Buy Burial Insurance With Pre Existing Conditions in 2024

Obtaining burial insurance with pre exisitng 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.

Pre-Existing ConditionBest CarrierRate Class
Abdominal aortic aneurysm (Corrected)Mutual of Omaha (Living Promise)Level
Abdominal aortic aneurysm (Not corrected)Mutual of Omaha (Living Promise)Level
Addison’s DiseaseGTL | Royal Neighbors | Trinity LifeLevel
ADHDMutual of Omaha (Living Promise)Level
ADLs – Activities of Daily Living (Eating, Bathing, Dressing, etc)Royal NeighborsLevel
AIDSProsperity (PrimeTerm to 100)Graded
Alcohol Abuse / Drug AbuseMutual of Omaha (Living Promise)If treated within 2 years, Graded
AllergiesMutual of Omaha (Living Promise)Level
ALS (Lou Gehrig’s Disease)Prosperity (PrimeTerm to 100)Graded
Alzheimer’s / DementiaRoyal Arcanum (Graded Benefit)Graded
Amputation Due to AccidentRoyal Arcanum (SIWL)Level
Amputation Due to CancerAIGGuaranteed Issue
Amputation Due to Cancer (After 2yrs)Liberty BankersLevel
Amputation Due to DiabetesRoyal Arcanum (Graded Benefit)Graded
Amputation Due to Non-Diabetic DiseaseRoyal Arcanum (SIWL)Level
AmyloidosisForesters (PlanRight)Standard
Angina (Chest Pain within 2yrs)Mutual of Omaha (Living Promise)If treated within 2 years, Graded
Angina (Chest Pain after 2yrs)Mutual of Omaha (Living Promise)Level
Angioplasty within 1 yearGuarantee Trust LifeGraded
Angioplasty between 1yr and 2yrsCVS (Aetna Accendo)Standard
Angioplasty after 2yrsMutual of Omaha (Living Promise)Level
Ankylosing SpondylitisTrinity Life/Family Benefit LifeLevel
Anxiety DisorderMutual of Omaha (Living Promise)Level
AppendicitisTrinity Life/Family Benefit LifeLevel
ARC (Aids Related Complex)Prosperity (PrimeTerm to 100)Graded
Artery DiseaseSBLILevel
Assisted Living FacilityRoyal NeighborsLevel
Asthma (Chronic)Royal NeighborsLevel
Asthma (Mild)Royal NeighborsLevel
Atrial Fibrillation (AFIB)CVS (Aetna Accendo)Level
Autism (High Functioning)SBLILevel
Autism (Severe)Wellabe Great WesternLevel
Awaiting Results from Diagnostic TestingLiberty BankersLevel
Awaiting SurgeryGuarantee Trust LifeGraded
Barlow’s SyndromeTrinity Life/Family Benefit LifeLevel
Basal Cell CarcinomaSBLILevel
Basal Cell Skin CancerTrinity Life/Family Benefit LifeLevel
Basedow’s DiseaseSBLILevel
Bell’s PalsySBLILevel
Bipolar DisorderLiberty BankersLevel
Black LungAETNA (No Treatment) SBLI (with Treatment)Level
Bladder PainSBLILevel
Bladder Pain (Chronic)Trinity Life/Family Benefit LifeLevel
Bone Marrow TransplantAmerican AmicableLevel
Brain Tumor (Not Removed, Benign)Mutual of Omaha (Living Promise)Level
Brain Tumor (Not Removed, Malignant)Royal Arcanum (Graded Benefit)Graded
Brain Tumor (Removed, Benign)Mutual of Omaha (Living Promise)Level
Brain Tumor (Removed, Malignant)Royal Arcanum (Graded Benefit)Graded
Bronchitis (Acute)Mutual of Omaha (Living Promise)Level
Cardiac ablationCVS (Aetna Accendo)Level
CardiomyopathyCVS (Aetna Accendo)Level
Cardioversion TreatmentCVS (Aetna Accendo)Level
Cerebral aneurysm (Corrected) Within 2yrs/Over 2yrsCVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Level
Cerebral aneurysm (Not corrected)American Amicable (Senior Choice)Level
Cerebral PalsyMutual of Omaha (Living Promise)Level
Chemotherapy (Current)Royal Arcanum (Graded Benefit)Graded
Chemotherapy (Past) If Over 2yrsCVS (Aetna Accendo)Level
CHF (Congestive Heart Failure) within 2yrs/after 2yrsRoyal Arcanum (Graded Benefit)/Prosperity (New Vista)Graded/Level
Chronic Obstructive Pulmonary Disease (COPD)CVS (Aetna Accendo)Level
Chronic PainMutual of Omaha (Living Promise)Level
Chronic PancreatitisMutual of Omaha (Living Promise)Level
Circulatory DiseaseMutual of Omaha (Living Promise)Level
Circulatory Surgery (Heart or brain) within 1yr/2-3yrs/over 3yrsGTL/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level
Circulatory Surgery (Other)Mutual of Omaha (Living Promise)Level
Cirrhosis (Stage A or B)Foresters (PlanRight)Level
Cirrhosis (Stage C)Foresters (PlanRight)Level
ClaudicationMutual of Omaha (Living Promise)Level
Clogged ArteriesMutual of Omaha (Living Promise)Level
Coronary Artery Bypass Surgery (Within 1yr/1-2 yrs/over 3yrs)GTL/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level
Coronary Artery Disease (CAD)CVS (Aetna Accendo)Level
COVID-19 (Active)Mutual of Omaha (Living Promise)Level
COVID-19 (Awaiting test results)Mutual of Omaha (Living Promise)Level
COVID-19 (Carrier specific questions)Mutual of Omaha (Living Promise)Level
CPAP Machine Use (with oxygen canister)Mutual of Omaha (Living Promise)Level
CPAP Machine Use (without oxygen canister)Mutual of Omaha (Living Promise)Level
Crohn’s DiseaseMutual of Omaha (Living Promise)Level
Current Cancer (excluding basal/squamous cell skin cancer)Royal Arcanum (Graded Benefit)Graded
Declined for other insuranceMutual of Omaha (Living Promise)Level
Defibrillator (under 1 yr/1-2 yrs/over3 yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level
DehydrationMutual of Omaha (Living Promise)Level
Dermatological TreatmentMutual of Omaha (Living Promise)Level
Diabetes (No Complications)Mutual of Omaha (Living Promise)Level
Diabetic Coma (As Long as A1C is not over 10%)Foresters (PlanRight)Level
Diabetic Nephropathy (Kidney)Mutual of Omaha (Living Promise)Graded
Diabetic Neuropathy (Nerve)Royal NeighborsLevel
Diabetic Retinopathy (Eye)Royal NeighborsLevel
DiarrheaMutual of Omaha (Living Promise)Level
DisabilityMutual of Omaha (Living Promise)Level
Ear InfectionMutual of Omaha (Living Promise)Level
EczemaMutual of Omaha (Living Promise)Level
Edema (fluid retention)Mutual of Omaha (Living Promise)Level
EmphysemaCVS (Aetna Accendo)Level
EncephalopathyMutual of Omaha (Living Promise)Level
Enlarged HeartMutual of Omaha (Living Promise)Level
Enlarged ProstateMutual of Omaha (Living Promise)Level
Facial Nerve DisorderMutual of Omaha (Living Promise)Level
FibromyalgiaMutual of Omaha (Living Promise)Level
GallstonesMutual of Omaha (Living Promise)Level
Gastrointestinal InfectionMutual of Omaha (Living Promise)Level
Gaucher’s DiseaseMutual of Omaha (Living Promise)Level
GERD (Acid Reflux)Mutual of Omaha (Living Promise)Level
GlaucomaMutual of Omaha (Living Promise)Level
GonorrheaMutual of Omaha (Living Promise)Level
Grave’s DiseaseMutual of Omaha (Living Promise)Level
Guillain-Barre SyndromeMutual of Omaha (Living Promise)Level
Hashimoto’s DiseaseMutual of Omaha (Living Promise)Level
Heart ArrhythmiaRoyal NeighborsLevel
Heart Attack (Within 1 yr/1-2yrs/over 2yrsMutual of Omaha (Living Promise)/CVS (Aetna Accendo)
/Mutual of Omaha (Living Promise)
Heart BlockageMutual of Omaha (Living Promise)Level
Heart CatheterizationMutual of Omaha (Living Promise)Level
Heart DiseaseCVS (Aetna Accendo)Level
Heart Murmur (Functional)CVS (Aetna Accendo)Level
Heart Murmur (Innocent)Mutual of Omaha (Living Promise)Level
Heart Surgery (under 1 yr/1-2 yrs/over 2yrs)Guarantee Trust Life/CVS (Aetna Accendo)Graded/Level
Heart Valve SurgeryGuarantee Trust Life/CVS (Aetna Accendo)Graded/Level
HeartburnMutual of Omaha (Living Promise)Level
HemophiliaMutual of Omaha (Living Promise)Level
Hemorrhagic StrokeMutual of Omaha (Living Promise)Graded
Hepatitis A (Chronic)Mutual of Omaha (Living Promise)Level
Hepatitis A (Cured)Mutual of Omaha (Living Promise)Level
Hepatitis B (Chronic)Mutual of Omaha (Living Promise)Level
Hepatitis B (Cured)Mutual of Omaha (Living Promise)Level
Hepatitis C (Chronic)Foresters (PlanRight)Level
Hepatitis C (Cured)Foresters (PlanRight)Level
High Blood Pressure (Pulmonary)Mutual of Omaha (Living Promise)Level
Hodgkin’s Lymphoma (Current)Royal Arcanum (Graded Benefit)Graded
Hodgkin’s Lymphoma (Past) (0-24 months/Over 24 months)Royal Arcanum (Graded Benefit)/RNAGraded/Level
Home Health CareRoyal NeighborsLevel
Huntington’s Disease (If ADL’s/No ADL’s)Royal Arcanum (Graded Benefit)/American Amicable (Senior Choice)Graded/Level
Hypertrophic Cardiomyopathy (within 1yr/1-2 yrs/Over 2yrs)Mutual of Omaha (Living Promise)/CVS (Aetna Accendo)Graded/Level
HyponatremiaMutual of Omaha (Living Promise)Level
Idiopathic thrombocytopenic purpuraMutual of Omaha (Living Promise)Level
Illegal Drug UseRoyal NeighborsLevel
Influenza AMutual of Omaha (Living Promise)Level
InsomniaMutual of Omaha (Living Promise)Level
Intracerebral Hemorrhage (Under 1yr/1-2 yrs/Over 2yrs)GTL/CVS (Aetna Accendo)/MOOGraded/Level
Iron Deficiency AnemiaCVS (Aetna Accendo)Level
Irregular HeartbeatRoyal NeighborsLevel
Irritable Bowel Syndrome (IBS)Mutual of Omaha (Living Promise)Level
Kidney Dialysis (Current treatment/Over 1yr/Over 2yrs)Royal Arcanum (Graded Benefit)/Foresters (PlanRight)
/CVS (Aetna Accendo)
Kidney Disease (Stage 1) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level
Kidney Disease (Stage 2) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level
Kidney Disease (Stage 3) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level
Kidney Disease (Stage 4) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level
Kidney Disease (Stage 5) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level
Kidney FailureForesters (PlanRight)Level
Lambert-Eaton Myasthenic SyndromeMutual of Omaha (Living Promise)Level
Leukemia (Current)Royal Arcanum (Graded Benefit)Graded
Leukemia (Past) (Under 1yr/1-2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)Graded/Level
Liver Disease (Cirrhosis/No cirrhosis)Foresters (PlanRight)
/Mutual of Omaha (Living Promise)
Liver FailureForesters (PlanRight)Level
MalariaMutual of Omaha (Living Promise)Level
Male Pattern BaldnessMutual of Omaha (Living Promise)Level
Melanoma (Current)Royal Arcanum (Graded Benefit)Graded
Melanoma (Past) (Under 2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)Graded/Level
MenopauseMutual of Omaha (Living Promise)Level
Mental IncapacityRoyal Arcanum (Graded Benefit)Graded
MigrainesMutual of Omaha (Living Promise)Level
Mitral Valve ProlapseCVS (Aetna Accendo)Level
Mountain SicknessMutual of Omaha (Living Promise)Level
MRSA InfectionMutual of Omaha (Living Promise)Level
Multiple Myeloma (Current)Royal Arcanum (Graded Benefit)Graded
Multiple Myeloma (Past) (Under 2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)Graded/Level
Muscle SpasmsMutual of Omaha (Living Promise)Level
Muscular DystrophyMutual of Omaha (Living Promise)Level
Myasthenia GravisMutual of Omaha (Living Promise)Level
Myocarditis (Under 1yr/1-2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)
/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)
NarcolepsyMutual of Omaha (Living Promise)Level
NauseaMutual of Omaha (Living Promise)Level
Nerve DamageMutual of Omaha (Living Promise)Level
Neuropathy (Non-Diabetic)Mutual of Omaha (Living Promise)Level
Non-Hodgkin’s Lymphoma (Current)Royal Arcanum (Graded Benefit)Graded
Non-Hodgkin’s Lymphoma (Past) (Over 2yrs)CVS (Aetna Accendo)/Royal NeighborsLevel
Ocular PemphigoidMutual of Omaha (Living Promise)Level
Organ Transplant (Awaiting)Royal Arcanum (Graded Benefit)Graded
Organ Transplant (Completed) (Over 2yrs)Prosperity (New Vista)Level
OsteoarthritisMutual of Omaha (Living Promise)Level
Overactive BladderMutual of Omaha (Living Promise)Level
Oxygen (Sleep apnea use only)Mutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred
PacemakerCVS (Aetna AccendoIf implanted within 1 year, Modified, between 1 and 2 years ago, Standard
Paget’s disease of the boneMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred
PainMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred
Pancreatic InsufficiencyMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred
Panic DisorderMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel, Preferred
ParalysisRoyal NeighborsLevel
ParaplegiaGreat WesternPlus
Parkinson’sCVS (Aetna Accendo) Royal ArcanumStandard/Graded
Parole / ProbationMutual of Omaha (Living Promise) CVS Aetna Accendo Royal NeighborsLevel/Preferred
Past Cancer (excluding basal/squamous cell skin cancer)Royal ArcanumGraded
Pending HospitalizationGreat WesternPlus
Pericardial EffusionRoyal NeighborsLevel
Peripheral Artery Disease (PAD)Mutual of Omaha (Living Promise) CVS(Aetna Accendo Royal NeighborsLevel/Preferred
Peripheral Vascular Disease (PVD)Mutual of Omaha (Living Promise) CVS (Aetna AccendoLevel, Preferred
Pernicious anemiaForesters (PlanRight)Preferred
PheochromocytomaCVS (Aetna Accendo) Royal NeighborsPreferred, Level
Plaque PsoriasisMutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred
PneumoniaMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred
Postpartum HemorrhageMutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred
PregnancyMutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred
Primary Thyroid DisorderMutual of Omaha (Living Promise CVS (Aetna Accendo Royal NeighborsLevel/Preferred
PsoriasisMutual of Omaha (Living Promise) CVS(Aetna Accendo Royal NeighborsLevel/Preferred
Psoriatic ArthritisMutual of Omaha (Living Promise) CVS(Aetna Accendo Royal NeighborsLevel/Preferred
Pulmonary EmbolismMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred
Pulmonary FibrosisRoyal ArcanumGraded
Pulmonary SarcoidosisMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred
QuadriplegiaRoyal ArcanumGraded
Radiation Therapy (Current)Royal ArcanumGraded
Radiation Therapy (Past)Royal ArcanumGraded
Raynaud’s SyndromeMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred
Rehab Facility (Illness or Injury)CVS (Aetna Accendo)If Currently, Decline
Rehab Facility (Substance Abuse)Foresters (PlanRight)If treated within 2 years, Basic
Respiratory FailureRoyal NeighborsLevel
Rheumatoid ArthritisMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred
SchizophreniaCVS (Aetna Accendo)Preferred
SclerodermaCVS (Aetna Accendo)Preferred
Secondary Thyroid DisorderMutual of Omaha (Living Promise)Level
Seizures (lifetime total of one)CVS (Aetna Accendo)Preferred
Seizures (lifetime total of two or more)CVS (Aetna Accendo)Preferred
Sickle Cell AnemiaGreat WesternPlus
Sleep Apnea (not requiring oxygen use)Mutual of Omaha (Living Promise)Level
Sleep Apnea (requiring oxygen use)Mutual of Omaha (Living Promise)Level
Spina BifidaMutual of Omaha (Living Promise)Level
Spinal Cord DisorderCVS (Aetna Accendo)Preferred
Spinal StenosisCVS (Aetna Accendo)Preferred
Squamous cell skin cancerMutual of Omaha (Living Promise)Level
Stem Cell TransplantCVS (Aetna Accendo)Preferred
Stent Placement (Heart or brain)CVS (Aetna Accendo)if placement within 1 year, Modified, 1 and 2 years, Standard
Stent Placement (Other)Mutual of Omaha (Living Promise)Level
Stomach DisorderMutual of Omaha (Living Promise)Level
Suicide AttemptCVS (Aetna Accendo)Preferred
Terminal IllnessNoneDecline
Thoracic aortic aneurysm (Corrected)Mutual of Omaha (Living Promise)Level
Thoracic aortic aneurysm (Not corrected)Mutual of Omaha (Living Promise)Level
ThrombocythemiaCVS (Aetna Accendo)Preferred
ThrombocytopeniaCVS (Aetna Accendo)Preferred
Transient Ischemic Attack (TIA or Mini-Stroke)Royal NeighborsLevel
Ulcerative ColitisMutual of Omaha (Living Promise)Level
Unexplained Weight Loss (greater than 10 pounds)CVS (Aetna Accendo)Preferred
Unexplained Weight Loss (less than 10 pounds)CVS (Aetna Accendo)Preferred
Urinary SpasmMutual of Omaha (Living Promise)Level
WalkerMutual of Omaha (Living Promise)Level
Watchman ImplantMutual of Omaha (Living Promise)If treated within 1 year, Decline. If treated between 1 and 2 years ago, Graded
Wegener’s granulomatosisCVS (Aetna Accendo)Preferred
Wet Macular DegenerationCVS (Aetna Accendo)Preferred
Wheelchair (Confined)Great WesternPlus
Wheelchair (Not Confined)Royal NeighborsLevel
Wilson’s DiseaseMutual of Omaha (Living Promise)Level
Wolff-Parkinson-White SyndromeMutual of Omaha (Living Promise)Level

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.

Read What Our Clients Say About Us

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

Important Facts About Burial Insurance

Benefit amounts vary by each carrier. ($1,500-$50,000)  All in All, every carrier is different.
Burial Insurance Does NOT require a medical exam!!! Traditional life insurance companies require a medical exam and have intensive underwriting guidelines. Term Life insurance coverage is an example of this.
Funeral insurance is simplified permanent life insurance. You have the coverage your entire life!

Did You Know?!

The median cost in 2019 for a burial policy for a 70-year-old female non-smoker with $10,000 in coverage is $50.81.


Any amount of coverage you choose is better than nothing. So if your goal was to purchase $20,000 in coverage to help cover your funeral costs, but you find this out of your reach financially, do not opt-out of getting coverage altogether. SOMETHING IS BETTER THAN NOTHING. Our suggestion, lower your coverage amount. This will lower your monthly premium cost, and your family will be relieved of great stress.

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?  

funeral insurance with pre existing condition

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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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!


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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