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Are you searching for burial insurance and have pre-existing health conditions and want to know how it will impact your eligibility? Whatever health issue(s) you may have, there's a policy for you, guaranteed.

In this article we'll explain how health issues affect your eligibility, and what burial insurance plans are available with pre-existing conditions.

Can You Get Burial Insurance With Pre-Existing Conditions?

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What is Final Expense Insurance Exactly?

Insurance Agent

Final Expense insurance aka burial or funeral insurance is a whole life insurance policy with a smaller death benefit, and is easier for you to get approved for, than traditional whole life insurance.

The policies pay out the benefit money to your beneficiary typically within 48 hours which makes them ideal for funeral, burial, cremation, and end of life expenses.

The price of the policies are locked-in for life and never increase, the benefit money will always be there as long as the premiums are paid, and you can never be dropped due to health conditions.


They're also called 'Simplified Issue' meaning you don't have to undergo a medical or physical exam to be approved for the policy.


What Plans Are Offered For Pre-Existing Conditions?

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During the sign up process for an insurance policy, your agent will assess your health conditions beforehand to determine which policy type and insurance carrier you qualify for.  

Once your agent finds a company that is right for you, regardless if you have health conditions, or not, the company will review your prescription history and your Medical Information Bureau (MIB) file and any relevant records to confirm discrepancies. 

Your answers to the health questions, and the results from the prescription and MIB checks, will determine the policy type you qualify for with that particular company.

Now there are three (3) Final Expense policy types offered by most insurance companies:

Level (Preferred or Standard) Benefit: The lowest-cost options, with benefit coverage that begins immediately, is offered to those with a fair amount to no health conditions.

Graded (or Modified) Benefit: The mid-range cost option, with benefit coverage suspended for the first 2 years, is available to those with a fair amount to severe health conditions.


Guaranteed Issue (GI) Benefit: The highest-priced option, with benefit coverage suspended 1-2 years, are for those with severe to critical health conditions.


They will ALL cover pre-existing conditions, but the condition you have will determine the policy you can get. 


The difference between Graded and Guaranteed Issue plans is that you'll need to qualify for a Graded plan, but a Guaranteed Issue plan will insure you with NO health questions asked.

Here's The Important Points To Know

Every insurance carrier has different criteria as to what they  consider Level or Graded health conditions, however, most carriers all agree on Guaranteed Issue conditions, see those here.


And while one carrier may consider a particular condition to be Level, another carrier may not.  For example, while one company may consider COPD to be Level, another may consider it Graded

Both Level and Graded are plans you must qualify for. You won’t have to take a physical exam, but at minimum you will have to answer health questions. It's not just the condition that would qualify, or disqualify, you for these plans, it would be when you were diagnosed, and when you were last treated for it.

For example, if someone had a heart attack 13 months ago they could qualify for Level coverage with one company, but have to wait 18 months or 24 months with another.


How do you get the company that is right for you?  Use an insurance broker, like AffinityQuotes,  and the best part is you don't pay us for our services as insurance companies compensate us for bringing them clients. 


More Information On Guaranteed Issue Policies 

Unfortunately, a Guaranteed Issue policy is your only option if you have any of the following conditions:


  • AIDS or HIV

  • Alzheimer's

  • Currently in the Hospital or a Nursing Facility

  • Currently receiving Hospice Care

  • Dementia

  • On Dialysis

  • Terminal Illness diagnosis

  • Recommended to or have had an Organ Transplant

  • Current mental facility care


What Determines The Insurance Plan You Qualify For?

Using a Computer

The plan a person qualifies for is determined through underwriting.


Underwriting is the risk assessment performed on you during the application process which are medical questions about your health. The questions are typically asked by your insurance agent or an agent with the insurance carrier.


The unique element to burial insurance is the lenient underwriting. Insurance carriers accept most of the health issues that would be declinable with traditional whole life insurance.


The lenient underwriting enables people with high-risk conditions to qualify for a policy which makes final expense insurance a great option for those with health conditions. Here are health conditions that you can have that will still allow you to have a Level life insurance policy that begins immediately with first day coverage.


Health Conditions Where You Can Still Get Immediate Coverage

Patient with Healthcare Nurse


  • Anxiety Medications

  • Arthritis (All Kinds)

  • Asthma

  • Atrial Fibrillation

  • Bi-Polar Disorder

  • Blindness

  • Blood Clots

  • Blood Thinners

  • Cancer over 2 Years Ago

  • Cholesterol Issues

  • Chronic Kidney Disease

  • COPD, Emphysema, & Chronic Bronchitis

  • Cystic Fibrosis

  • Defibrillator or Inserted Pacemaker

  • Depression

  • Diabetic Nephropathy

  • Diabetic Neuropathy

  • Diabetic Retinopathy

  • Epilepsy

  • Fibromyalgia

  • Strokes over 1 Year Ago

  • Heart Attacks over 1 Year Ago

  • Hepatitis A, B, or C

  • High Blood Pressure

  • Insulin Usage

  • Liver Cirrhosis

  • Mental Disorders

  • Mini Strokes (TIA's)

  • Morbid Obesity

  • Multiple Sclerosis

  • Non-Cancerous Tumors

  • Parkinson’s Disease

  • Schizophrenia

  • Seizure(s)

  • Sleep Apnea

  • Systemic Lupus (SLE)

  • Type 1 Diabetes

  • Type 2 Diabetes

  • Water Pills


How To Apply With Pre-Existing Conditions

Smiling Senior Couple



It's really very simple to apply for a Final Expense policy. You'll need to speak to a licensed broker, like AffinityQuotes, or agent and they'll guide you through the entire process. The benefit of using a broker is that they have access to multiple carriers while an agent typically only one works for one insurance carrier.


A broker or agent will collect your basic contact information, then ask about health and tobacco usage. This information will help them select the plan that is right for you. There is never a medical exam, and you're not required to give your medical records.

After a carrier is selected a broker typically calls the insurance carrier on a 3-way phone call, and the carrier will verify your information. After that, the carrier will ask for permission to access your medical records to verify your health. In most cases you'll receive an answer immediately regarding your eligibility.

You'll also need to provide banking information or other payment method, so be sure to have that information ready. A prescription history check will be ran on you, but most applications can be completed in 20 minutes,  If accepted, you can have insurance coverage as soon as you've made your first payment.

How Can AffinityQuotes Assist You?



If you were diagnosed with a medical condition, AffinityQuotes will help determine if you need a Level, Graded, or Guaranteed Issue policy and then find the BEST insurance carrier for you.

Here’s why we believe that…

We are independent agency and represent dozens of different insurance carriers, and we're not obligated to any one carrier which gives us the freedom to shop the best deal for YOU.

Call 855-400-7766 to see what a licensed AQ agent can do for you.

We'll happily answer your questions for you at no-charge.

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