2023 Burial Insurance with Pre-Existing Conditions Guide

Here’s the good news no matter what your health problem is you cannot be denied burial insurance with pre-existing conditions. Now burial insurance is final expense life insurance, it is primarily aimed at seniors ages 60,70, and 80. Often times we will also speak with children looking for coverage for their parents.

All our clients typically have the same question if they or their loved ones will pass the health questionnaire and qualify for coverage without having to pay higher premiums or be denied coverage.

This is where our highly trained life insurance agents come in. We help 90% of our clients qualify for day one coverage and if they do not we will let them know and assist with finding the best guaranteed acceptance policy on the market.

In this article, we will cover the most important information you need to know about burial insurance with pre-existing conditions as well as policies with a 2 year waiting period and no waiting periods.

Can You Get Burial Insurance with Pre-Existing Conditions?

Yes, you can get burial insurance with pre-existing conditions. It all depends on which life insurance companies accept your pre-existing conditions. It is better for you to get burial insurance instead of traditional life insurance because your conditions could disqualify you from a traditional policy.

There are 2 different Final Expense Insurance Options

When it comes to working with the right life insurance company for the right life insurance coverage there are 2 different plans. A plan that is immediate day one coverage which usually has simplified underwriting and a plan that has no health questions or underwriting for health issues at all.

The first is a no waiting period life insurance policy and the second is a guaranteed issue life insurance policy.

These types of life insurance are used for funeral insurance, burial insurance, cremation insurance etc. They are designed to protect your loved ones from the financial burden of paying for your funeral. With simplified underwriting these policies are ideal to get burial insurance for pre-existing conditions.

Burial Insurance With Pre-Existing Conditions Has No Medical Exam

Keep in mind that even if you have pre-existing health conditions funeral insurance will not require you to take a medical exam for funeral insurance. A burial insurance policy will never require a medical exam they simply require you to answer health questions on their application.

In addition to this they will also check your medical and prescription history in reference to how you answered their health questions. Now if you answered “yes” to any of the knock out questions on the life insurance application you will be denied life insurance from that specific company.

At that point you would need to look into a different company that accepts your health condition or a graded or guaranteed issue policy. You should only buy a guaranteed acceptance burial insurance if you have a health condition that disqualifies you from all final expense life insurance companies.

No Waiting Period Day One Coverage

This is what we call level day one coverage which means if you got approved during the application process with the insurance carrier like Mutual of Omaha for example, then if you died the day after your first premium payment your beneficiary will receive a check for the death benefit of the policy in full.

Our company offers all the major carrier’s in all 50 states which would include AmAm, Prosperity, AIG, GW and RNA.

All of our carriers offer the following:

• Premiums Never Increase
• Simplified Underwriting
• Death Benefit Never Decreases
• A-ratings
• Over 100 years in Business

The best part is when it comes to most burial insurance with pre-existing health conditions if you have been without complications for more than 24 months then you have a very strong chance at being approved for day one coverage. Depending on the application questions some conditions can still be covered if it has only been 12 months without incident.

It depends on which carrier our agents will recommend for you when they ask you their specific health questions.

Guaranteed Issue Coverage with No Health Questions

There are certain health conditions that will disqualify someone from day one coverage. If you are looking for life insurance with pre-existing conditions like current cancer or HIV your only option is a guaranteed issue policy. This is coverage with no health questions or medical underwriting.

This is usually a last resort for our agents if your health conditions are just too severe for us to find day one coverage. A guaranteed issue policy has a 2 year waiting period but after the 2 years the benefit will be paid in full if you die. Now there are living benefits with some of our carriers that you can use to pay medical bills if you become terminally ill.

In addition to this if you were to die from an accident the full amount of your guaranteed acceptance policy will be paid because it was not natural causes.

Guaranteed Issue Coverage Always has a Waiting Period

It is important to note that there is no such thing as a guaranteed acceptance policy without a waiting period. We see gimmicks all the time like Colonial, Globe, AARP, and much more that make it sound like there is but there isn’t.

Again GI policies are a last resort for our clients if your health conditions are just too severe but that is something you can speak with our agents about.

Burial Insurance Cost’s

Here is some average pricing on burial insurance according to age.

Age	$10,000 Male Non Smoker Sample Quotes	$10,000 Male Smoker Sample Quotes	$10,000 Female Non Smoker Sample Quotes	$10,000 Female Smoker Sample Quotes
50	$28.29	$39.47	$23.56	$30.14
51	$29.26	$40.77	$24.48	$31.06
52	$30.31	$42.22	$25.09	$32.72
53	$31.47	$43.83	$25.62	$34.54
54	$32.77	$45.44	$26.26	$38.99
55	$34.25	$48.12	$27.11	$40.85
56	$35.88	$52.06	$28.20	$42.71
57	$37.69	$54.25	$29.51	$42.30
58	$39.64	$56.72	$31.70	$43.61
59	$40.10	$55.60	$31.00	$44.50
60	$41.84	$56.72	$31.70	$43.61
61	$43.76	$59.64	$32.87	$45.19
62	$46.41	$63.28	$34.51	$47.48
63	$49.07	$67.72	$36.06	$49.78
64	$51.22	$69.53	$37.72	$52.07
65	$53.58	$72.72	$39.36	$54.36
66	$56.48	$76.06	$41.01	$56.66
67	$59.85	$80.53	$43.44	$60.22
68	$63.18	$84.67	$45.86	$63.60
69	$66.84	$89.65	$48.29	$66.09
70	$70.79	$94.64	$50.81	$70.45
71	$73.15	$98.31	$53.24	$72.18
72	$78.81	$103.97	$56.20	$75.86
73	$83.99	$109.94	$58.46	$79.74
74	$89.46	$116.69	$63.55	$84.14
75	$94.87	$123.65	$67.78	$88.66
76	$99.97	$132.48	$72.41	$94.42
77	$107.04	$141.32	$78.25	$101.63
78	$114.13	$150.57	$83.51	$108.24
79	$122.13	$161.81	$88.44	$115.15
80	$129.52	$171.23	$93.41	$125.01
81	$139.73	$181.75	$98.43	$135.14
82	$149.95	$192.98	$106.21	$147.04
83	$160.16	$204.65	$113.96	$160.56
84	$171.02	$219.19	$121.31	$170.76
85	$181.88	$237.28	$128.55	$179.58
86	$192.74	$257.57	$135.90	$192.35
87	$236.25	$337.32	$171.33	$237.32
88	$276.68	$353.99	$205.98	$253.99
89	$317.10	$370.65	$240.63	$278.99
90	$357.53	$378.98	$275.28	$303.99

To see accurate quotes for your specific age fill out the form to your right.

Burial Insurance with Pre-Existing Health Conditions Table & List

Below you will find links to health conditions we have covered and whether or not you can get coverage without a waiting period for them. You will also find a table showing which health conditions can qualify for no waiting period final expense insurance and final expense insurance with a waiting period.
Hodgkins, Sickle Cell, Liver Failure, Heart Murmur, Afib, Pacemaker, Heart Stent, Aneurysm, Angina, CHF, Heart Attack, COPD

Health Condition	Eligible for No Waiting Period Burial Insurance	Eligible Only for a Waiting Period Burial Insurance
ADL’s(Assistance of Daily Living Eating, Dressing, Toileting, Bathing)	Yes	No
AIDS & HIV	No	Yes
ALS	No	Yes
Alcohol Abuse	Yes	No
Alzheimers & Dementia	No	Yes
Amputation Caused by Accident (No ADLS Needed)	Yes	No
Amputation Caused by Accident(ADL’s Needed)	No	Yes
Amputation Caused by Diabetes or Disease(No ADL’s Needed)	Yes	No
Amputation Caused by Diabetes or Disease(ADL’s Needed)	No	Yes
Aneurysm	Yes	No
Angina	Yes	No
Angioplasty	Yes	No
Assisted Living Facility	Yes	No
Asthma	Yes	No
AFIB (Atrial Fibrillation)	Yes	No
Autism	Yes	No
Brain Tumer(Non Cancerous)	Yes	No
Bipolar Disorder	Yes	No
Brain Tumor(Cancerous)	Yes	No
Bronchitis (Chronic)	Yes	No
Cancer	Yes	No
Coronary Bypass Surgery	Yes	No
Cardiomyopathy	Yes	No
Cerebral Palsy
COPD Chronic Obstructive Pulmonary Disease	Yes	No
Circulatory Surgery	Yes	No
Cirrhosis	Yes	No
Congestive Heart Failure	Yes	No
Cystic Fibrosis	Yes	No
Defibrillator	Yes	No
Depression	Yes	No
Diabetes(Without Complications)	Yes	No
Diabetes(With Complications)	Yes	No
Dialysis	No	Yes
Down Syndrome	Yes	No
Drug & Alcohol Abuse	Yes	No
Emphysema	Yes	No
Heart Attack	Yes	No
Heart Disease	Yes	No
Obesity & Under Weight	Yes	No
Hepatitis C	Yes	No
Hospitlization(Current)	No	Yes
Huntington’s Disease	Yes	No
Kidney Disease Stage 1 – 3	Yes	No
Kidney Disease Stage 4 – 5	Yes	No
Lupus (Systemic)	Yes	No
Multiple Sclerosis	Yes	No
Muscular Dystrophy	Yes	No
Organ Transplant	No	Yes
Oxygen Tanks	No	Yes
Oxygen Concentrator	Yes	No
Pacemaker Implant	Yes	No
Pancreatitis	Yes	No
Parkinson’s Disease	Yes	No
Pending Surgery	No	Yes
Schizophrenia	Yes	No
Scleroderma	Yes	No
Seizures	Yes	No
Sickle Cell Anemia	Yes	No
Sleep Apnea	Yes	No
Stroke	Yes	No
Stent	Yes	No
TIA Mini Stroke	Yes	No
Tumor Cancerous	No	Yes
Tumor Non-Cancerous	Yes	No
Ulcerative Colitis	Yes	No