Most final expense policies use "simplified issue" underwriting, meaning there's no medical exam — instead, you answer a set of yes/no health questions about conditions like heart disease, cancer, COPD, or recent hospitalizations. Your answers place you into a rate class that determines your premium.
Tap to call now and get a straight answer from a licensed agent.
Some carriers also check a prescription drug database or the Medical Information Bureau (MIB) to verify your answers, rather than requiring blood work or a physical.
Want an answer specific to your situation? A licensed agent can walk through your options in a few minutes.
Call (844) 658-4509If your health disqualifies you from simplified issue, guaranteed issue coverage — with no health questions at all — is usually still available, typically at a higher price for the same coverage amount.
Every situation is different. Call now and a licensed agent can answer your specific questions about final expense insurance — no obligation, no pressure.
