The Truth About Burial Insurance with Pre Existing Conditions [2022 Review]

It’s not all sunshine and rainbows when it comes to life insurance with pre existing conditions. Not only are there many different types of life insurance, but they each have their own unique rules, benefits, exclusions, and limitations.

As a result, it can be hard for consumers to make an informed decision about which type is the best match for their needs.

The Truth About Burial Insurance with Pre-existing Conditions [2021 Review] is no exception.

COVID19 is changing the way we live… Find out right now what you need to do to protect your loved ones from the financial burdens. Get final expense insurance today! Don’t keep kicking the can down the road!

Why Do I Need Life Insurance For Pre Existing Conditions

What Is Final Expense Insurance

Are there any life insurance companies that cover pre-existing conditions?

Do you have a pre-existing condition!

I am sure you have many more questions, NO PROBLEM! That is Right!!! It is no problem. Get a policy Today with qualifying pre-existing conditions with Day One Coverage!

Why is it important to have funeral insurance coverage? For starters, funeral expenses can be a heavy burden on your family when you pass away. 

Next, you are wondering right off the bat,  Can YOU get life insurance with a pre-existing condition?

Yes! First off, this is a burial insurance policy or as some call it, final expense or funeral insurance like above. Not only can you get affordable burial insurance, but you can also qualify and have approval and policy on the same day! 

What Are Considered Final Expenses

Final expenses include anything from medical bills, debt owed, funeral costs, casket, travel expenses, and more.

Do you want to financially cripple your family in the event of your death?

I am sure the answer to that is NO! For that reason, I know you are curious about…  

The scoop on Same Day Approval Burial Life Insurance Coverage (funeral insurance?)  

However, you are faced with some pre-existing health conditions. You may be feeling overwhelmed and wondering how do I get life insurance with a pre-existing condition?  

With these thoughts and many questions in mind, I am here to tell you, You CAN get coverage, It is possible, and we will hold your hand throughout the entire process!

But, before we get right into the nitty-gritty, I find it helpful to go over some commonly asked questions by many of our clients.

Life Insurance For Seniors With Pre Existing Conditions

Here are some commonly asked questions on how to get the best life insurance policy for pre existing conditions.

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 policy 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 process 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 life insurance policies are processed whether it’s a high risk condition or not, the carrier will need to be aware of your history. 

Best Insurance Policy For Pre Existing Conditions

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

To clarify above, this is normal procedure. You must be very honest and to the point. Only answer the questions that are asked, most questions are a yes or no answer.

In rare cases you may qualify with a guaranteed issue policy. Guraranteed whole life insurance no medical exam no health questions asked.  (We will get into that more later in our article.)

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

  • How you qualify for same-day approval burial insurance for seniors and what is required of you.
  • There are many common health impairments/conditions.  We will go over details of how the insurance carrier will look at you.  Remember, there is no “One Size Fits All” in burial insurance.
  • Ultimately, will guide you through the step by step process of same-day instant approval. The best thing since sliced bread!

Burial Life Insurance Policies Without A Medical Exam

Can you get life insurance with pre-existing conditions? 

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

Again, final expense life insurance helps cover the cost of your funeral expenses. A final expense policy protects your loved ones from financial stress Today!!!

Obviously, this is a big relief for your family as funeral expenses and the funeral home expense is a great financial burden on your family.

In addition, there is no waiting period. Same-day approval is exactly that. Once you qualify,  in less than 30 minutes, by the end of a phone call, you will have instant coverage.

What Does Final Expense Insurance For Pre Existing Conditions Cost

The type of policy you qualify for and what your monthly premiums will be monthly will be determined by the following factors:

  • Age
  • Health
  • Prescriptions you are currently taking
  • Prescription history plays a role as well

It is extremely important to be transparent with your agent. This is key because they will be able to isolate the carriers you qualify for and be able to give you accurate information and accurate rates.

Who is a final expense policy good for? YOU! These are uncertain times, especially with COVID 19. Now, more than ever peace of mind for our clients is their number one priority. We have adult children calling to get their parents’ final expense insurance. As they know, they will be the ones to take on this financial burden when their parents pass away. Protect yourself today for your tomorrow.

Many carriers such as Royal Neighbors of America have changed their guidelines. You don’t want to kick the can too long as times get more uncertain, more carriers may follow suit.

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 clear with your agent when you are going over your medical history.

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

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

How To Qualify For Burial Insurance With Pre-Existing Conditions

Pre-existing conditions can be frustrating within themselves. Finding insurance coverage that will accept you can be equally frustrating but as we have discussed throughout this article, it is not impossible.

Overall, there is a product for everyone, it is just a matter of determining what your pre-existing conditions are and determining the carrier who specializes in that condition.

Some examples of who and which carrier will qualify based on life insurance with pre existing medical conditions.

Pre-Existing ConditionBest CarrierRate Class
ADLs (Activities of Daily Living)Royal NeighborsLevel
Addison’s diseaseCVS (Aetna Accendo)Preferred
AIDS / HIVAIG GIGuaranteed Acceptance
Alcohol Abuse / Drug AbuseRoyal NeighborsIf treated within 18 months, Decline
Alzheimer’s / DementiaAIG GIGuaranteed Acceptance
Amputation Due to DiseaseAIG GIGuaranteed Acceptance
Amputation Due to CancerTrinity LifeIf treated within 2 years, Decline
Amputation Due to AccidentAetna (Protection Series)Preferred
AmyloidosisForesters (PlanRight)Standard
ALS (Lou Gehrig’s Disease)Royal NeighborsIf treated within 2 years, Graded
Iron Deficiency AnemiaGCUPreferred
Aneurysm (Corrected)Mutual of Omaha (Living Promise)Level
Aneurysm (Not Corrected)Mutual of Omaha (Living Promise)Level
Angina (Chest Pain)Aetna (Protection Series)Preferred
AngioplastyCVS (Aetna Accendo)If performed within 1 year, Modified.
If performed between 1 & 2 years ago, Standard
Ankylosing SpondylitisMutual of Omaha (Living Promise)Level
Anxiety DisorderMutual of Omaha (Living Promise)Level
Heart Murmur (Functional)CVS (Aetna Accendo)Preferred
Spinal StenosisCVS (Aetna Accendo)Preferred
Asthma (Mild)Royal NeighborsLevel
Asthma (Chronic)Royal NeighborsLevel
Atrial Fibrillation (AFIB)Royal NeighborsLevel
Autism (High Functioning)CVS (Aetna Accendo)Preferred
Autism (Severe)GCUPreferred
Barlow’s SyndromeCVS (Aetna Accendo)Preferred
Bipolar DisorderRoyal NeighborsLevel
Coronary Artery Bypass SurgeryForesters (PlanRight)If performed within 1 year, Basic. If performed between 1 and 2 years ago, Standard
Current Cancer (excluding basal cell) AIG GI Guaranteed Acceptance
Past Cancer (excluding basal cell)Royal NeighborsIf treated within 2 years, Decline
CardiomyopathyGCUIf treated within 2 years, Modified. If treated between 2 and 3 years ago, Standard
Cerebral PalsyRoyal NeighborsLevel
Chronic Obstructive Pulmonary Disease (COPD)CVS (Aetna Accendo)Standard
Chronic PainRoyal NeighborsLevel
CHF (Congestive Heart Failure)AIG GI Guaranteed Acceptance
Coronary Artery Disease (CAD)CVS (Aetna Accendo)Preferred
Crohn’s DiseaseRoyal NeighborsLevel
Diabetes (No Complications) Royal Neighbors If insulin use, Level. If diagnosed prior to age 30, Decline
Kidney DialysisCVS (Aetna Accendo)If treated within 1 year, Decline. If treated between 1 and 2 years ago, Modified
EmphysemaCVS (Aetna Accendo)Standard
FibromyalgiaMutual of Omaha (Living Promise)Level
GERD (Acid Reflux)CVS (Aetna Accendo)Preferred
Hashimoto’s DiseaseRoyal NeighborsLevel
Heart AttackCVS (Aetna Accendo)If within 1 year, Modified. If between 1 and 2 years ago, Standard
Heart BlockageCVS (Aetna Accendo)Preferred
Heart Disease

CVS (Aetna Accendo)Preferred
Irregular Heartbeat

CVS (Aetna Accendo)Preferred
Heart CatheterizationRoyal NeighborsLevel
Heart SurgeryCVS (Aetna Accendo)If performed within 1 year, Modified. If performed between 1 and 2 years ago, Standard
Hepatitis A (Chronic)GCUStandard
Hepatitis A (Cured)GCUPreferred
Hepatitis B (Chronic)GCUStandard
Hepatitis B (Cured)GCUStandard
Hepatitis C (Chronic)GCUStandard
Hepatitis C (Cured)GCUStandard
Huntington’s DiseaseAIG GI Guaranteed Acceptance
Irritable Bowel Syndrome (IBS)Royal NeighborsLevel
Rheumatoid ArthritisMutual of Omaha (Living Promise)Level
Kidney Disease (Stage 1)Foresters (PlanRight)Standard
Kidney Disease (Stage 2)Foresters (PlanRight)Standard
Kidney Disease (Stage 3)Foresters (PlanRight)Standard
Kidney Disease (Stage 4)Foresters (PlanRight)Standard
Kidney Disease (Stage 5)Foresters (PlanRight)Standard
Kidney FailureForesters (PlanRight)Standard
Kidney DialysisForesters (PlanRight)If treated within 1 year, Decline. If treated more than 1 year ago, Standard
Kidney InsufficiencyAIG GI Guaranteed Acceptance
Leukemia (Current)AIG GI Guaranteed Acceptance
Leukemia (Past)Guarantee Trust Life/ Foresters (PlanRight) If treated within 2 years, Graded/Level if in remission for over 3 years
Liver DiseaseForesters (PlanRight)Standard
Liver FailureForesters (PlanRight)Standard
Systemic LupusForesters (PlanRight)Standard
Lupus (Non-Systemic)Royal NeighborsLevel
Hodgkin’s Lymphoma (Current)AIG GI Guaranteed Acceptance
Hodgkin’s Lymphoma (Past)Royal NeighborsIf treated within 2 years, Decline
Mental IncapacityAIG GI Guaranteed Acceptance
Mitral Valve ProlapseRoyal NeighborsLevel
Multiple Myeloma (Current)AIG GI Guaranteed Acceptance
Multiple Myeloma (Past)Royal NeighborsIf treated within 2 years, Decline
Multiple Sclerosis (MS)CVS (Aetna Accendo)Standard
Muscular DystrophyForesters (PlanRight)Preferred
NarcolepsyRoyal NeighborsLevel
ParaplegiaAIG GI Guaranteed Acceptance
Peripheral Vascular Disease (PVD)Mutual of Omaha (Living Promise)Level
Pulmonary EmbolismCVS (Aetna Accendo)Preferred
Pulmonary FibrosisCVS (Aetna Accendo)Standard
Pulmonary SarcoidosisCVS (Aetna Accendo)Preferred
QuadriplegiaAIG GI Guaranteed Acceptance
Restless Leg SyndromeMutual of Omaha (Living Promise)Level
Seizures (lifetime total of two or more)CVS (Aetna Accendo)Preferred
Seizures (lifetime total of one)CVS (Aetna Accendo)Preferred
Sickle Cell AnemiaAIG GI Guaranteed Acceptance
Sleep Apnea (not requiring oxygen use)CVS (Aetna Accendo)Preferred
Oxygen (Sleep apnea use only)CVS (Aetna Accendo)Preferred
Bone Marrow TransplantRoyal NeighborsLevel
Organ Transplant (Awaiting)AIG GI Guaranteed Acceptance
Organ Transplant (Completed)AIG GI Guaranteed Acceptance
TuberculosisCVS (Aetna Accendo)Standard
UlcerMutual of Omaha (Living Promise)Level
OsteoarthritisCVS (Aetna Accendo)Preferred
Brain Tumor (Removed, Benign)Royal NeighborsLevel
Brain Tumor (Removed, Malignant)Royal NeighborsIf treated within 2 years, Decline
Brain Tumor (Not Removed, Benign)Royal NeighborsIf treated within 18 months, Level. If surgery is recommended but not completed, Decline
Brain Tumor (Not Removed, Malignant)AIG GI Guaranteed Acceptance
DefibrillatorCVS (Aetna Accendo)If implanted within 1 year, Modified. If implanted between 1 and 2 years ago, Standard
ThrombocytopeniaMutual of Omaha (Living Promise)Level
PacemakerForesters (PlanRight)If implanted within 1 year, Basic. If implanted between 1 and 2 years ago, Standard
SchizophreniaRoyal NeighborsLevel

What Is The Cheapest Life Insurance Quotes With Pre Existing Conditions

What will the burial life insurance company look at on my application?

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

The application process takes approximately 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!

Can You Get Life Insurance With Pre-Existing Conditions

Here are some of the benefits of having a burial insurance policy with preexisting medical conditions.

  • Benefit amounts vary by each carrier. ($1,500-$40,000)  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 policies are 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.
  • IMPORTANT TO REALIZE! 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 to be 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.

Appying For Life Insurance For Pre Existing Medical Conditions

Your application

So you are wondering, how to get burial life insurance with pre-existing conditions?  

Depending on your health issues and answers, it will depend on which type of life insurance coverage you will qualify with.

If the carrier does not ask you about your pre-existing medical condition, chances are they do not have an issue with it. You will be surprised, most final expense carriers are OK with certain health problems. 

For example, this is why we have the qualifying process if one company does deny you coverage for a pre-existing health condition they are many other burial insurance options including same-day approval.  

The beauty of is we shop you to multiple carriers at one time! 

In fact, getting burial life insurance quotes with pre-existing conditions has never been easier!

Burial Life Insurance No Medical Exam or Health Questions

Life insurance with pre-existing cancer. Am I Covered?

What pre-existing conditions are not covered?

There is a level, modified, and Guaranteed issue policies. When someone is faced with a nonqualifying pre-existing health condition, such as current COPD with oxygen use or cancer, we will offer a guaranteed issue policy with no medical exam and no health questions.

There is a 2 year waiting period for this type of policy. Meaning, if you die from natural causes within the first 2 years of the policy, all premiums paid into the policy plus 10% will be paid to the beneficiary.

If you die from an accident, the entire death benefit is paid to your beneficiary.

After the first 24 month waiting period is over, it will not matter if you pass from natural causes or an accident, the entire death benefit is paid to your beneficiary.

Prescription History Burial Insurance Policy Application

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

What to expect when it comes to medication history and the prescription drugs you currently take or no longer take.  

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

Keep in mind, your insurance agent will gather this medical information from you and once you qualify for same-day approval this will help determine your life insurance rates. 

Important to remember, same-day approval for burial life insurance companies are different in their underwriting process as they do not require a medical exam as we stated earlier. 

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

Let’s say you have prescribed a blood pressure medicine that you are no longer taking. But you fill this prescription. As far as the burial insurance 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. 

funeral insurance with pre existing condition

What is a MIB File

MIB is the Medical Information Bureau. 

When you submit for any type of life insurance policy 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. 

The MIB’s purpose?

Simply put, during the underwriting process it is to assess and alert underwriters of any errors or misrepresentations by you. 

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

MIB is also in place to make sure you are telling the truth on your application. Be honest!

No Medical Exam Life Insurance Policies 

Burial life insurance for seniors with pre-existing conditions is so incredibly important. This ensures your loved ones will not face this burden.

Often times with no medical exam life insurance our clients ask us this question, can you get life insurance on anyone? The simple answer is No and Yes. Confusing, right? No meaning you cannot by law get life insurance on anyone without their consent and knowledge. Yes, meaning you can as long as they are aware, give consent and they would need to speak with the licensed agent as well.

In fact, we specialize in high-risk life insurance approvals! Those is the final expense insurance quotes Today!

Give us a call today and we will answer all your questions. (855) 380-3300. 

If you are looking for more information on health and fitness: CLICK HERE.


The truth is, there are a lot of myths about burial insurance with pre-existing conditions. We hope this article has helped you dispel some misconceptions and offered insights into the realities of such policies. If anything here sparks your interest in getting more information on how to protect yourself or your loved ones from funeral expenses, we encourage you to get a quote for coverage today!