You can be denied simplified issue final expense insurance if you have serious health conditions like active cancer, recent stroke, or organ failure. However, guaranteed issue policies accept everyone regardless of health — no one can be denied.
Simplified issue final expense policies can deny applicants based on health conditions. Common disqualifying conditions include:
If one carrier denies your application, another may accept you. Different carriers have different underwriting guidelines. An independent agent can identify which carrier is most likely to approve your specific health situation.
If you cannot qualify for any simplified issue policy, guaranteed issue whole life insurance is always available. These policies accept 100% of applicants aged 50-85 with no health questions. The coverage includes a graded benefit period but provides guaranteed acceptance.
Compare rates from top final expense insurance carriers.
Yes, most final expense insurance policies do not require a medical exam. Simplified issue policies require only health questions, while guaranteed issue policies require no health questions at all and accept everyone aged 50-85. Read more
Guaranteed issue life insurance is a policy that accepts everyone regardless of health. There are no medical exams and no health questions. The trade-off is a 2-3 year graded benefit period and higher premiums. Coverage ranges from $5,000 to $25,000. Read more
Final expense insurance is a type of whole life insurance designed to cover end-of-life costs such as funeral expenses, medical bills, and outstanding debts. Policies typically range from $5,000 to $50,000 and do not require a medical exam. Read more
Compare rates from top final expense insurance carriers.