Burial Insurance with No Health Exam
Burial Insurance with No Health Exam
Yes—you can qualify for burial insurance with no medical exam. These final expense policies help cover funeral costs, medical bills, and small debts with a fast, hassle-free application. Approval is often quick, and coverage can be tailored to your budget.
No-Exam Burial Insurance Basics
How no medical exam final expense coverage works
No-exam burial insurance (also called final expense whole life) is designed to be simple: no paramed exam, no lab work, and a fast decision. Policies are permanent, with level premiums and guaranteed death benefits as long as payments are made.
- Permanent protection: Coverage lasts for life with fixed premiums.
- Small, practical face amounts: Typically $5,000–$50,000 to match funeral and final costs.
- Fast issue times: Many approvals occur within minutes to a few days.
For a quick overview of features and eligibility, visit our burial insurance services overview.
Guaranteed Issue vs Simplified Issue (No Exam)
When to choose guaranteed acceptance coverage
No-exam burial insurance comes in two main flavors:
- Simplified issue final expense: No exam, a handful of health questions, and often immediate level benefits if approved. Usually lower premiums than guaranteed issue.
- Guaranteed issue burial insurance: No exam, no health questions, acceptance within eligible ages. Typically includes a graded period for natural causes.
If immediate benefits are important, start with simplified issue. If health history is complex, guaranteed issue ensures you’re covered. For true day-one protection on natural causes, see burial insurance with immediate coverage.
Eligibility, Health Questions, and Approvals
What carriers look for with no-exam burial insurance
Carriers review basic disclosures (e.g., recent hospitalizations, major diagnoses) and may use prescription and MVR checks. Common conditions like diabetes or controlled heart issues can still qualify—often with simplified issue.
- Commonly approved profiles: Stable diabetes, treated hypertension, mild COPD, or past minor procedures.
- Likely guaranteed issue: Recent cancer, dialysis, late-stage COPD, or advanced cardiac events.
Condition-specific guidance: explore burial insurance for people with diabetes, burial insurance for heart conditions page, or burial insurance for disabled adults.
Costs, Premiums, and Rate Factors
What affects your monthly no-exam burial rate
Rates depend on age, state, tobacco use, coverage amount, and whether your policy is simplified or guaranteed issue. The easiest way to compare real pricing is with our instant tool.
Quotes are illustrative; final offers depend on carrier underwriting and selected riders.
Want help sizing a benefit to your budget? Start with the burial insurance calculator tool and we’ll validate the top carriers for your situation.
Coverage Amounts and Popular Policy Riders
Accidental death riders and other useful add-ons
Most no-exam policies offer $5,000–$50,000. Common riders include:
- Accidental death benefit rider: Adds an extra payout for accidental death—often doubling the benefit. Learn more on our accidental death rider overview.
- Child or grandchild riders: Small additional benefits for eligible dependents (varies by carrier).
- Accelerated benefit riders: Access a portion of the benefit with qualifying chronic or terminal illness (availability varies).
Immediate Coverage vs Graded Waiting Periods
How graded benefits work on guaranteed issue plans
Simplified issue policies can offer day-one coverage for natural and accidental causes if you qualify. Guaranteed issue usually includes a graded period (often 2 years) for natural causes where benefits are limited—many carriers still pay full accidental death from day one. If avoiding a waiting period is critical, see our page on immediate coverage burial insurance.
How to Apply Without a Medical Exam
Fast, simple process with an independent broker
- Run instant quotes to set a monthly budget you’re comfortable with.
- Choose simplified or guaranteed issue based on health history and desired start date.
- Complete a short application—usually by phone or e-signature—no lab work required.
- Get a decision quickly and receive your policy documents electronically or by mail.
Need a hand? Message us via the dedicated contact page and we’ll walk through your options together.
Real-World Examples and Scenarios
What no-exam burial insurance looks like in practice
Michael (age 72): Diabetes and prior stent. He qualified for simplified issue—and got immediate benefits—at a monthly premium he could afford.
Sophia (age 79): Multiple health conditions. She chose guaranteed issue for instant acceptance, knowing natural-cause benefits are graded for two years but accidental death pays from day one.
Angela (age 67): Limited budget. We sized a $12,000 benefit to match local costs and found a policy with a low-cost accidental death rider to boost protection.
Get personal help choosing a no-exam policy
We compare multiple carriers and match you with the most affordable plan and the clearest benefits.
FAQs: Burial Insurance with No Health Exam
Can I get no-exam burial insurance with health issues?
Yes. Many people with diabetes, heart history, COPD, or mobility concerns qualify. If simplified issue isn’t available, guaranteed issue policies accept almost everyone within eligible ages.
Does no-exam mean guaranteed approval for everyone?
Not always. Simplified issue still has a few health questions. Guaranteed issue has no questions and approves nearly all applicants in the eligible age range.
How soon does coverage start on no-exam policies?
If you qualify for simplified issue, natural and accidental causes can be covered immediately. Guaranteed issue typically has a graded period for natural causes, while accidental death is usually covered from day one.
How much burial insurance can I buy without an exam?
Most carriers offer $5,000–$50,000. We’ll help you size benefits to local funeral costs and your budget.
Do premiums ever increase or can my policy expire?
Final expense whole life has level premiums and lifetime coverage as long as payments are made on time.
Can I add an accidental death rider to a no-exam policy?
Often yes. Many carriers offer low-cost accidental death riders that add extra benefits for covered accidents. See our guide to the accidental death benefit rider.
Get Your No-Exam Burial Insurance Quote
Protect your loved ones from unexpected costs. Compare no-exam plans in minutes and choose the right fit today.
Helpful resources: compare burial insurance quotes · affordable burial insurance for low-income seniors · reach our dedicated contact team
