Can You Get Burial Insurance With Pre-Existing Conditions?

Many people worry that having a pre-existing medical condition will prevent them from getting burial insurance. However, burial insurance is designed to provide coverage for end-of-life expenses, and many policies are available to individuals with health issues. Whether you have diabetes, heart disease, or another condition, you can still find a burial insurance policy that meets your needs.

What Is Burial Insurance?

Burial insurance, also known as final expense insurance, is a type of life insurance that helps cover costs related to a person’s funeral, burial, and other end-of-life expenses. These policies typically offer lower coverage amounts, usually between $5,000 and $50,000, and are easier to qualify for than traditional life insurance.

Burial insurance is beneficial because it provides financial security to families, ensuring they do not have to bear the burden of funeral costs out of pocket.

Can You Get Burial Insurance With Pre-Existing Conditions?

Yes, many insurance companies offer burial insurance to individuals with pre-existing conditions. Unlike traditional life insurance, which often requires a medical exam, burial insurance policies are typically easier to obtain and may not require any medical tests.

However, the availability and cost of burial insurance depend on several factors, including the severity of your health condition, your age, and the type of policy you choose.

Types of Burial Insurance for People With Pre-Existing Conditions

Simplified Issue Burial Insurance

This type of burial insurance does not require a medical exam but does involve answering a few health-related questions. The insurer will review your medical history to determine eligibility, but many people with common health conditions can still qualify.

Key features:

• No medical exam required

• Lower premiums than guaranteed issue policies

• Immediate coverage with no waiting period in many cases

• May deny coverage for certain high-risk conditions

Best for: People with mild to moderate health conditions such as controlled diabetes, high blood pressure, or a history of minor heart problems.

Guaranteed Issue Burial Insurance

Guaranteed issue policies do not require a medical exam or health questionnaire. They are designed for individuals with severe health conditions who may not qualify for other policies.

Key features:

• No medical exam and no health questions

• Guaranteed acceptance for most applicants between ages 50 and 85

• Higher premiums due to the increased risk for the insurer

• Usually includes a waiting period of two to three years before full benefits are paid out

Best for: Individuals with serious health conditions such as advanced heart disease, cancer, kidney failure, or Alzheimer’s disease.

Common Pre-Existing Conditions Covered by Burial Insurance

Many burial insurance providers accept applicants with the following conditions:

• Diabetes (Type 1 and Type 2)

• High blood pressure or cholesterol issues

• Heart disease or past heart attacks

• Stroke survivors

• Cancer (depending on stage and treatment status)

• Chronic respiratory conditions like COPD or asthma

• Kidney disease or dialysis patients

• HIV or AIDS

• Alzheimer’s or dementia (for guaranteed issue policies)

If you have a severe condition, a guaranteed issue policy may be the best option. However, if your condition is well-managed, a simplified issue policy may offer better benefits and lower premiums.

How to Find the Best Burial Insurance With Pre-Existing Conditions

Compare Multiple Insurance Providers

Different insurers have different guidelines for pre-existing conditions. Some companies are more lenient than others, so comparing multiple quotes can help you find the best policy at the most affordable price.

Choose the Right Policy Type

• If you have a mild condition, a simplified issue policy may offer immediate coverage with lower premiums.

• If you have a severe condition, a guaranteed issue policy ensures acceptance, even though it may have a waiting period and higher premiums.

Understand the Waiting Period

Most guaranteed issue policies have a waiting period of two to three years. If the policyholder passes away during this time, the insurer will typically refund the premiums paid plus interest instead of paying the full death benefit.

Be Honest on Your Application

If applying for a simplified issue policy, answer health questions truthfully. Providing false information can lead to a denied claim when your family needs financial support.

Look for Additional Benefits

Some burial insurance policies offer additional features such as:

• Accelerated death benefits, which allow policyholders to access part of the benefit if diagnosed with a terminal illness

• Accidental death coverage

• Cash value accumulation, which allows policyholders to borrow against the policy

How Much Does Burial Insurance Cost for People With Pre-Existing Conditions?

Premiums for burial insurance depend on several factors, including age, health condition, and coverage amount. Below are average monthly costs for a $10,000 policy:

• $30 to $70 per month for relatively healthy individuals

• $50 to $120 per month for individuals with moderate health conditions

• $80 to $150 per month for guaranteed issue policies for high-risk applicants

While guaranteed issue policies cost more, they provide coverage for individuals who may otherwise be denied.

Pros and Cons of Burial Insurance With Pre-Existing Conditions

Pros

✔ No medical exam required
✔ Easy approval process
✔ Covers funeral and medical expenses
✔ Provides financial security for loved ones
✔ Premiums remain fixed for life

Cons

✘ Higher premiums for guaranteed issue policies
✘ Waiting period for certain policies
✘ Lower coverage amounts compared to traditional life insurance

Conclusion

If you have a pre-existing condition, you can still qualify for burial insurance. Whether you choose a simplified issue or guaranteed issue policy, burial insurance ensures that your funeral and end-of-life expenses are covered, easing the financial burden on your family.

By researching insurance providers, comparing quotes, and selecting the right policy, you can secure reliable and affordable coverage, even with health concerns.

Frequently Asked Questions

What is the best burial insurance for people with pre-existing conditions?

The best policy depends on your health condition. If your condition is mild, a simplified issue policy may be ideal. If you have serious health concerns, a guaranteed issue policy provides guaranteed acceptance.

Will my premiums be higher if I have a pre-existing condition?

Yes, individuals with pre-existing conditions may pay higher premiums, especially for guaranteed issue policies. However, comparing multiple insurance providers can help you find an affordable policy.

How long does it take to get approved for burial insurance?

Most burial insurance applications are approved within a few days to a few weeks. Since medical exams are not required, the process is typically fast and hassle-free.