Affordable Burial Insurance with No Medical Exam

For many families, planning ahead with burial insurance ensures that loved ones will not be left with unexpected expenses during a difficult time. At Diversified Insurance Brokers, we specialize in helping clients secure affordable burial insurance with no medical exam, making the process fast, easy, and stress-free. These policies are designed to provide peace of mind, covering funeral costs, medical bills, or outstanding debts without requiring lengthy medical tests or invasive underwriting.

What Is “No Medical Exam” Burial Insurance?

No-exam burial insurance (often called final expense insurance) is typically a small permanent life policy designed to cover end-of-life costs. Premiums are level, coverage lasts a lifetime, and underwriting is simplified—meaning no paramed exam. Some carriers ask a short health questionnaire (simplified issue), while others offer guaranteed issue with no health questions at all. Both options are built to approve more people quickly.

Why Choose No Medical Exam Burial Insurance?

No medical exam burial insurance is a practical option for individuals who may have health conditions, are older, or simply prefer a quicker approval process. Instead of a full exam, approval is typically based on answers to a few health questions—or in the case of guaranteed issue policies, no health questions at all. This means that more people can qualify, regardless of health history.

Key Benefits

• ✅ Guaranteed coverage options, even with health issues
• ✅ No medical tests, needles, or doctor visits
• ✅ Fast approval process, often within days
• ✅ Fixed premiums that never increase
• ✅ Permanent coverage that lasts a lifetime
• ✅ Flexible benefit amounts to match your family’s needs

Who Is It Right For?

This type of coverage is especially valuable for seniors, those with health concerns, or anyone who wants to secure affordable protection quickly. Burial insurance ensures that your loved ones are not burdened by final expenses, giving you peace of mind knowing everything is handled. It can also complement existing life insurance by reserving a dedicated amount for funeral and related costs.

How Approvals Work (Simplified vs. Guaranteed Issue)

Simplified Issue: Short application with yes/no health questions and database checks (e.g., prescriptions). If approved, coverage can start quickly and may include level benefit from day one.

Guaranteed Issue: No health questions or exams. Everyone in the eligible age range qualifies. In exchange for easy approval, most policies include a graded benefit during the first two years (see below).

Graded vs. Level Benefit

Level Benefit: Full death benefit is available immediately upon approval (subject to policy terms). Often available through simplified issue for applicants who meet the health guidelines.

Graded Benefit: A waiting period (commonly two years) applies for natural-cause deaths; the policy may return premiums plus interest or pay a portion of the face amount during that period. Accidental death is typically covered for the full benefit from day one. After the graded period, natural-cause deaths pay the full face amount.

Coverage Amounts & Cost Drivers

Final expense policies usually range from $5,000 to $50,000, sized to typical end-of-life needs. Your premium depends on age, tobacco use, coverage amount, and whether the policy is level or graded. Choosing a slightly smaller face amount or paying annually can help manage costs. Riders (like accidental death or accelerated benefits) add features but can raise premiums—use them when they solve a specific need.

How Much Coverage Should I Choose?

1. Estimate total expenses: Funeral/memorial, cemetery/cremation, medical bills, travel for family, outstanding debts.
2. Check existing resources: Savings, small policies, or veteran benefits that might offset costs.
3. Pick a comfortable premium: Select a face amount that balances needs and budget—coverage is only helpful if it’s sustainable long-term.

Application Steps

1. Quick profile: Age, basic health overview, desired coverage amount.
2. Carrier match: We compare simplified vs. guaranteed issue options from multiple carriers to find the best fit and price.
3. Issue & delivery: E-app, quick approvals, and a policy built to last for life.

Burial Insurance Calculator

Use this calculator to compare affordable policies designed for seniors with health concerns.

Common Questions

Why Work With Diversified Insurance Brokers?

Since 1980, our family-owned firm has helped thousands of families nationwide secure affordable burial and final expense insurance. With access to over 75 top-rated carriers, we compare policies side-by-side to ensure you get the best coverage at the best price—without pressure or gimmicks. Our advisors make the process simple and transparent, so you can focus on what matters most.