Can I Get Final Expense Insurance With No Medical Exam?
Yes. Most final expense insurance policies require no medical exam — only a few health questions. Guaranteed issue policies are also available for ages 50–85 with absolutely no health questions.
One of the most appealing features of final expense insurance is that it does not require a medical exam. This makes it accessible to seniors who might be declined for traditional life insurance due to health conditions.
Types of No-Exam Final Expense Insurance
1. Simplified Issue (Most Common) - Requires answers to 5–15 health questions - No blood tests, no doctor visits, no physical examination - Approval typically within 24–48 hours - Best rates of the three options - Coverage available: $2,000–$50,000
2. Graded Benefit - Fewer health questions than simplified issue - Designed for applicants with moderate health conditions - Full death benefit after a 2-year waiting period - Years 1–2: typically 110% of premiums paid returned if death occurs - Coverage available: $2,000–$25,000
3. Guaranteed Issue (No Questions) - No health questions whatsoever - Cannot be declined for any health reason - 2-year waiting period before full benefits are paid - Highest premiums of the three options - Coverage available: $2,000–$25,000 - Best for: applicants with serious health conditions (cancer, COPD, recent heart attack)
Common Health Questions Asked
For simplified issue policies, typical questions include: - Are you currently hospitalized or in a nursing home? - Have you been diagnosed with terminal illness? - Do you have HIV/AIDS? - Have you had a stroke or heart attack in the past 12–24 months? - Do you require assistance with daily living activities?
Most common conditions — including diabetes, high blood pressure, arthritis, and controlled heart disease — do not disqualify you from simplified issue coverage.
Who Should Choose Guaranteed Issue?
Guaranteed issue is best for applicants who: - Have been declined for other life insurance - Have active cancer (other than skin cancer) - Have had a heart attack or stroke within the past 12 months - Have COPD, emphysema, or are on oxygen - Have kidney failure or are on dialysis - Have Alzheimer's or dementia
How to Apply
Applying for no-exam final expense insurance takes 5–10 minutes online or by phone. You'll need: - Your date of birth and Social Security number - Basic health history answers - Beneficiary information - Payment method for monthly premiums
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