Best Burial Insurance With Pre Existing Conditions in 2023

It’s not all sunshine and rainbows when it comes to burial insurance with pre existing conditions.

There are many different life insurance types, but each has unique rules, benefits, exclusions, and limitations.

As a result, it can be challenging for consumers to find life insurance for seniors with pre existing conditions and make an informed decision about which type is the best match for their needs.

In fact, having your mailbox inundated with index cards for guaranteed issue life insurance with a waiting period makes it more confusing. You want to make sure you can find affordable life insurance.

You must know the best coverage options if you are in good health. So locking up the best life insurance policy for pre existing conditions is vital.

Overall, you may think it’s impossible to get immediate day-one coverage with a preexisting condition.

At, we will guide you and show you the best life insurance plan available at affordable premium payments.

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

Why Do I Need Burial Insurance Having A Pre Existing Condition

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 pre-existing qualifying conditions with Day One Coverage!

Why is it essential to have funeral insurance coverage?

Fun 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, 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! 

Secure your loved ones' future with burial insurance

Or Call Lisa & Danny at 855-380-3300

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 cripple your family in the event of your death financially?

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 overwhelmed and wondering how 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 review some commonly asked questions by many of our clients.

Best Burial Insurance For Seniors With Pre Existing Conditions

Getting the best burial insurance when you 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.)

If you have pre-existing conditions such as COPD then AETNA Accendo is a top option.

How To Qualify For Burial Insurance With Pre-Existing Conditions

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

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

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

*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 DiseaseMutual of Omaha (Living Promise)Level
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 SpondylitisMutual of Omaha (Living Promise)Level
Anxiety DisorderMutual of Omaha (Living Promise)Level
AppendicitisMutual of Omaha (Living Promise)Level
ARC (Aids Related Complex)Prosperity (PrimeTerm to 100)Graded
Artery DiseaseMutual of Omaha (Living Promise)Level
Assisted Living FacilityRoyal NeighborsLevel
Asthma (Chronic)Royal NeighborsLevel
Asthma (Mild)Royal NeighborsLevel
Atrial Fibrillation (AFIB)CVS (Aetna Accendo)Level
Autism (High Functioning)Mutual of Omaha (Living Promise)Level
Autism (Severe)Liberty BankersLevel
Awaiting Results from Diagnostic TestingLiberty BankersLevel
Awaiting SurgeryGuarantee Trust LifeGraded
Barlow’s SyndromeCVS (Aetna Accendo)Level
Basal Cell CarcinomaMutual of Omaha (Living Promise)Level
Basal Cell Skin CancerMutual of Omaha (Living Promise)Level
Basedow’s DiseaseMutual of Omaha (Living Promise)Level
Bell’s PalsyMutual of Omaha (Living Promise)Level
Bipolar DisorderLiberty BankersLevel
Black LungCVS (Aetna Accendo)Level
Bladder PainMutual of Omaha (Living Promise)Level
Bladder Pain (Chronic)Mutual of Omaha (Living Promise)Level
Bone Marrow TransplantRoyal NeighborsLevel
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!

Read What Our Clients Say About Us

Compare Quotes From The Top 18 A/A+ Rated Carriers Instantly

Or Call Lisa and danny 855-380-3300 where final expense insurance is done differently

How To Get The Best Burial Insurance Quotes For PreExisting Conditions

  • How do 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 review 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!

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.

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 significant relief for your family as funeral expenses, and funeral home expense is a tremendous financial burden on your family.

In addition, there is no waiting period. Same-day approval is precisely 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 PreExisting Medical 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 give you accurate information and rates.

Who is a final expense policy suitable 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. 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, and 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 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 Are The Cheapest Life Insurance Quotes With PreExisting Health 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 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 for 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 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.
  • 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 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.

Applying 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 like AETNA are OK with specific 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 that we shop you to multiple carriers simultaneously! 

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 faces a nonqualifying pre-existing health condition, such as COPD with oxygen use or cancer, we offer a guaranteed issue policy with no health 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 two years of the policy, all premiums paid into the policy plus 10% will be paid to the beneficiary.

The full death benefit is paid to your beneficiary if you die from an accident.

After the first 24-month waiting period, it will not matter if you pass from natural causes or an accident. The full 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 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!

No Medical Exam Life Insurance Policies 

Above all, Burial life insurance for seniors with pre-existing conditions is so vital. This ensures your loved ones will not face this burden.

Often 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, you cannot get life coverage on anyone without their consent and knowledge. Yes, meaning you can as long as they are aware and consent. They would need to speak with the licensed agent.

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

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

If you want more information on health and fitness: CLICK HERE.

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

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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. 


The truth is that there are a lot of myths about burial insurance for 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 protecting yourself or your loved ones from funeral expenses, we encourage you to get a quote for coverage today!

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