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Final Expense Insurance

Do I need a medical exam to qualify for final expense insurance?

No. One of the main appeals of final expense insurance is that most policies do not require a medical exam. Instead, carriers typically use a short list of health questions to determine your rate class.

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Depending on your answers, you may qualify for simplified issue coverage (a handful of health questions, no exam) or guaranteed issue coverage (no health questions and no exam, though it usually comes with a waiting period and a smaller face amount).

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An agent can review your health history in a few minutes on the phone and tell you which type of policy you're likely to qualify for and at what price.

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