2024 Final Expense Life Insurance No Medical Exam

Final expense life insurance with no medical exam is designed specifically for individuals that need coverage approved quickly, have pre-existing health conditions and want a smaller whole life insurance policy to cover end of life expenses. No-exam life insurance means you will not have to schedule a physical exam with a paramedic company to be approved for permanent life insurance coverage.

Now lets go over the types of life insurance coverage, cost, key feature & benefits, best companies and much more.

Types of Final Expense Life Insurance No Medical Exam

There are 2 different types of burial insurance with no medical exam. They are simplified issue whole life insurance & guaranteed issue life insurance. Now both do not require a medical exam however they are both different kinds of final expense insurance. The key difference is that simplified issue whole life has health questions but no medical exam and guaranteed issue life insurance has no health questions or medical exams.

Now at first glance you may think you want to buy the guaranteed issue life policy but there is a catch. A guaranteed policy has an automatic 2 year waiting period before the life insurance will payout to your beneficiary. This is due to the fact that guaranteed issue policies are designed for extremely sick individuals (Alzheimer’s patients, current cancer patients, individuals with HIV etc.)

Since there is not underwriting at all for a guaranteed life policy the insurance companies mitigate their risk exposure with the waiting period. Now when you make it through the waiting period all bets are off and the company will pay the claim made by the beneficiary.

In addition to this a guaranteed whole life policy offers lower coverage amounts typically between $2,000 – $25,000 in whole life coverage. The only life insurance company that offers guaranteed final expense policies above $25,000 is Great Western Life Insurance.

Simplified issue whole life insurance is a different story. With simplified issue whole life there are medical questions during their application process but no medical exam is required. The life insurance company looks at your medical history and prescription history. If your medical & prescription history line up with the questions about your health you answered you will be approved.

Simplified issue coverage does not have a waiting period for your beneficiary to receive the death benefit. Coverage starts immediately with this type of burial insurance that has no waiting period there are higher coverage amounts between $2,000 – $50,000 depending on the company. Keep in mind that even if you have some health conditions you can still qualify for simplified issue coverage which we will touch on more later.

Cost of Final Expense Life Insurance with No Medical Exam

Below is going to be a table with life insurance quote samples per age. We pulled these quotes using our quoting software to give you a comprehensive idea of how much funeral insurance will cost for you. Now keep in mind that traditional life insurance with a medical exam will always be cheaper in many ways compared to simplified issue insurance products.

That being said the chances to get coverage approved are slim if you are a senior with health conditions. It is very rare for seniors over 70 and seniors over 80 to get life insurance if they have to take a medical exam.

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

Burial Final Expense Life Insurance Key Features & Benefits

Below is our table listing the features and benefits of burial insurance. 

Level PremiumsBurial insurance Premiums never increase for the life of the policy
Level Death BenefitBurial Insurance Death benefit never decreases for the life of the policy
Coverage Never ExpiresPolicy never expires as long as premiums are paid
Cash ValuePremiums paid into the policy build an additional savings to the policy’s face amount that can be borrowed against
Tax-Free Death BenefitThe Death Benefit to your beneficiary is 100% tax free
Peace of MindBurial, funeral and cremation expenses are all covered which gives you peace of mind
No Medical ExamsNo medical exams required to qualify. You only answer health questions.
Financial SecurityBurial Insurance provides the money to pay your funeral costs so your family does not have the financial burden placed on them to pay burial expenses.
Easy UnderwritingBurial Insurance is easy to qualify for. Even seniors with moderate health conditions can get a low premium.
Instant DecisionBurial Insurance uses instant decision during the application process. This means when you apply you will receive a decision of approval or denial right after the application is submitted.

Eligibility Requirements When Applying for Burial Insurance Policies

We have listed below using our table all of the eligibility requirements when applying for funeral insurance policies.

Eligibility RequirementDescription
Age & Date of BirthYour current age determines your eligibility with different policies. If you are older than age 85 for example a majority of life insurance companies will not offer you burial insurance.
Height & WeightYou current heigh and weight affect your eligibility with some life insurance companies because high risk health conditions are directly linked to obesity.
Resident StateYour resident state determines which plans are available to you. Some life insurance companies may not have their policies available in your state.
Current & Past Health HistoryYour health determines your eligibility for burial insurance. If you hav extreme current or a past history of health conditions such as cancer you are considered high risk and many life insurance companies may not accept you.
US CitizenshipYou must be a US citizen or permanent resident to buy burial insurance in the United States. If you are a citizen of a different country you are not eligible.
Current MedicationsYour current medications indicate to the life insurance company how your health is. This is how they can categorize you as a high risk applicant or not.
Criminal HistoryA criminal history indicates if you are a high risk. If you have an extensive criminal record life insurance companies will not accept you.

Health Questions & Guaranteed Acceptance Life Insurance

Now as we mentioned unlike fully underwritten life insurance, simplified & guaranteed burial insurance never requires a medical exam. Only fully underwritten life insurance are policies that require an exam with their life insurance underwriting.

That being said for simplified whole life insurance plans they will still ask you their health questions. Depending on your answer’s and their findings for your health this will determine if you can get life insurance with no waiting period. Below we are going to provide you with some tables and simplified charts to help you understand what health conditions can pass this underwriting.

This will help you make an informed decision on purchasing a life insurance policy that can accept your health profile.

Health Conditions That Only Qualify for Guaranteed Acceptance

Health ConditionGuaranteed Issue Life Insurance Only
Kidney DialysisYes
Use of Oxygen Tanks (Does not Include Oxygen Concentrator or CPAP)Yes
Organ TransplantYes
Alzheimers & DementiaYes
Current Cancer or Cancer Within 12 MonthsYes
Nursing Home Confinement, Hospital, Mental Health Facility, HospiceYes
Terminal IllnessYes

Best No Exam Life Insurance Companies

We are now going to list below the best final expense life insurance companies for seniors. These companies all offer life insurance products that requires no medical exam. In addition to this they offer the cheapest burial permanent life insurance policies due to their competitive life insurance premiums. The best no-exam life insurance companies are as follows.

Mutual of Omaha

Mutual of Omaha final expense insurance is one of the cheapest burial insurance products on the market. Their living promise whole life policy offers up to $40,000 in coverage. Now their underwriting is more strict compared to other companies which is why you can get cheaper rates with them. They are friendly when it comes to life insurance for diabetes but not so much toward heart issue’s or lung issues. 


Transamerica funeral insurance is another extremely affordable option however their coverage amounts get lower depending on your age. For seniors over 50 you can get their maximum coverage amount of $50,000 in whole life. Now if you are 56 years old or over 60 you can get a maximum amount of $40,000 in coverage. 

If you are a senior over 75 the life insurance amount you can apply for is $25,000. Now Their underwriting is more liberal, they will offer you coverage with COPD, heart attack and even kidney disease.


Aetna Accendo final expense is perfect for seniors over 85 years old. Now their maximum coverage amounts do decrease with age so if you or a loved one are over 85 years of age your maximum amount of coverage will be $25,000. Aetna really stands out based on the fact that they will offer life insurance coverage to individuals with COPD and even Parkinson’s disease.

American Amicable

The major highlight of American Amicable Senior Choice is the lower smoker rates. Most life insurance companies will charge you more per month if you are a smoker. American Amicable has lower smoker rates compared to all other funeral insurance companies. 

They are accepting towards seniors with AFIB and Pacemakers.

Prosperity Life

Prosperities New Vista product is the best for seniors with heart conditions. They offer a maximum of $35,000 in coverage and are probably the only life insurance company you should apply with if you have Congestive Heart Failure.

Royal Neighbors of America

Royal Neighbors of America burial insurance is our top recommendation if you have breathing issues. They will accept COPD and  the use of an oxygen concentrator(not tanks) in most cases. They offer up to $30,000 in coverage.

Guarantee Trust Life

Guarantee Trust Life funeral insurance has a partial waiting period due to it being a modified plan. Instead of a 2 year waiting period if you live through the policy on year 1 it will pay 50% of the face amount. If you live through year 2 the full face amount will be paid. There are only 5 health questions on the application which makes it much easier to qualify for if you are extremely sick.

Gerber Life Insurance

Gerber final expense insurance offers up to $25,000 in coverage and is the most affordable guaranteed issue product. It is cheaper than its competitors however does not offer as high a maximum amount of coverage as Great Western. There is a 2 year waiting period.

American General (AIG)

AIG has living benefits included with their guaranteed policy. There is a terminal and chronic illness rider which means if you get terminally ill while having this policy you can use the money in it to pay hospital bills etc. AIG offers a maximum of $25,000.

Great Western Life Insurance

Great Western final expense offers a maximum of $40,000 in coverage. That being said they are more expensive compared to both AIG and Gerber but you can get much higher face amounts with them.

No Exam Life Insurance Policy Exclusions for Funeral Insurance

The most common exclusion for funeral insurance is suicide. If suicide is committed with no-exam life insurance policies within the first 2 years the policy will not pay the full death benefit. This exclusion is found on no-exam policies which is a key point to know about life insurance & suicide.

How to Buy Life Insurance Without a Medical Exam Online

To buy life insurance online work with a licensed life insurance expert like us. Below is going to be a table listing the exact steps to buy burial insurance with us. It is simple and takes less than 30 minutes to apply.

Steps to ApplyDescription
1. Speak with a Licensed Insurance Agent or AgencyIn order to buy burial insurance you must speak with a licensed life insurance agent that sells the product. You cannot apply for majority of burial insurance products on your own.
2. Answer Health Questions & Provide Your PrescriptionsYou must answer the health questions on the burial insurance application & provide your medications. The Life Insurance company will look at the Medical Information Bureau Health Report and run a Script Check on you using your Social Security Number provided on the application. This allows them to asses your risk and determine if they will approve you.
3. Provide the Name of your DoctorThe life insurance company will want to know the name of your doctor. In most cases they will never contact your doctor however, in some rare cases they can depending on what is found in the MIB reports.
4. Electronically Sign your Life Insurance ApplicationWhen applying for burial insurance online you will sign for your application using an electronic signature. Depending on the company you apply it will be a voice signature, e-mail signature or Text message signature.
Instant Decision of Approval or DenialBurial insurance does not require a medical exam which means when you submit your application to the life insurance company it is the last step. Depending on which company you applied with you will receive an instant decision on your application. Some companies or situations may take a few days for a decision.