Burial Insurance and Coronavirus

If you are concerned about burial insurance and coronavirus (COVID-19) and the effect it might have on you and your family, keep reading.

Getting burial insurance with coronavirus may seem like a challenge, and it may discourage you from getting a policy. If you currently contracted the virus and you’re trying to get a life insurance policy with this condition, it will be helpful to understand how life insurance companies react with this condition and how your diagnosis affects your application.

If you have COVID-19, here’s everything you need to know about burial insurance and coronavirus and how to obtain an affordable final expense policy.

Just understand that coronavirus is still not considered a pre-existing condition by most life insurance companies. You will be able to qualify for the best plan with the best rate. But read on to find out more important details.


The Center for Disease Control and Prevention (CDC) calls the virus 2019 Novel Coronavirus or COVID-19 disease.

The outbreak of the virus began in Wuhan City, Hubei Province, China.

There are more than 83,000 confirmed cases in more than 50 countries today. About 36,000 of them have recovered, the virus has killed 490 people in China and one death each in Hong Kong and the Philippines (at the time this article was written).

In the U.S., 62 people are being treated for COVID-19, most of them evacuated from Asia.

What are the symptoms of COVID-19?

Coronavirus infection is similar to flu and typically affects the throat and lungs. Common signs of coronavirus infection include respiratory symptoms like cough, sore throat, fever, cold, shortness of breath, and breathing difficulties. The fever can last over two days.

Symptoms of COVID-19 may appear in as early as two days or as long as 14 days after exposure.

If the infection is severe, your doctor may call for hospitalization. Severe cases of infection can cause pneumonia, severe acute respiratory syndrome, kidney failure, and even death.

People with heart and lung disease or weakened immune systems, especially infants and older adults, are at higher risk of infection.

How is COVID-19 transmitted?

Human coronaviruses are generally transmitted from an infected person to another through the air by coughing and sneezing. It can also be spread through close personal contact like touching or shaking hands.

How can you protect yourself from COVID-19?

There are no vaccines available to protect against human coronavirus infection. The best way to reduce your risk of infection is to avoid being exposed to the virus.

Here are some preventive actions to prevent the spread of the virus:

  • Avoid close contact with people who are sick
  • Avoid touching your eyes, mouth, and nose with unwashed hands.
  • Cover your mouth and nose with a tissue when you sneeze, then throw the tissue in the trash.
  • Stay at home when you are sick.
  • Wash your hands often with soap and water for at least 20 seconds if hands are visibly dirty, especially after going to the bathroom, before eating, and after blowing your nose, sneezing, or coughing.
  • If soap and water are not available, use alcohol-based hand sanitizer with at least 60% alcohol content.
  • Clean and disinfect frequently touched objects using regular household cleaning spray or alcohol.


The coronavirus outbreak has already reached 50 countries with the majority of cases in China. However, the world’s knowledge about this virus is still limited, including the comparative data about its death rate.

Currently, the death rate is estimated to be approximately 3% compared with the death rate of SARS at 9.6%, and Ebola was averaging 50% as per the World Health Organization

Looking at the figures, the number of cases that result in fatalities is low. The chances that you or your loved ones become infected with COVID-19 is very small.

Only those with an existing cardiovascular condition or viral illness are more susceptible to infection, and those who are elderly are at higher risk compared with people with healthy immune systems.

At this moment, COVID-19 is not a pre-existing condition of any burial insurance or final expense insurance policy because very little is known about this condition. It is not among the health questions asked on the application.

Remember, if the life insurance company never asks about a medical condition in their health questionnaire, it means they are accepting of it. You can easily qualify for the best plan with immediate first-day coverage, even if you’re diagnosed with COVID-19.

It is crucial to work with an insurance agency that knows the company that will treat your condition favorably.



You may be hospitalized after COVID-19 diagnosis. Can you get burial insurance if you are currently hospitalized? Absolutely!

The good news is that being hospitalized won’t disqualify you from getting burial insurance with coronavirus. However, you need to understand that you have a limited option.

If you are in the hospital because of coronavirus, you can still get a whole life insurance policy. There is no specific burial insurance for people who are hospitalized, but you can qualify for coverage if you are currently in hospital with coronavirus. It’s called a guaranteed issue life insurance.

With guaranteed issue whole life insurance, you will be approved for coverage regardless of your health or current situation. GI policies are very common, especially among those who are in the hospital.

If you are currently hospitalized because of COVID-19, we can help you find affordable burial insurance, funeral insurance, cremation insurance, or final expense insurance.


1. They will decline your application

There are insurance companies that will outright decline your application if you have coronavirus. These companies will not provide insurance to coronavirus patients until there is more data as to the true nature of this health hazard. They believe coronavirus is a high risk, and they don’t want to deal with the risk associated with it.

If you’ve been declined because of COVID-19, don’t worry because there are other companies that do not consider this case as a pre-existing condition.

2. They will delay your application

Some companies will put your application on hold until you are certified disease-free for a period of time. You must be fully healed with no residual symptoms and complications and cleared by a physician after diagnosis with coronavirus.

3. They will offer you a guaranteed issue burial insurance

You are considered under the highest risk category because of coronavirus. The insurance company will only approve your application for a guaranteed issue life insurance.

Guaranteed issue whole life insurance comes with a two-year waiting period. If you die during the waiting period, your beneficiary will only receive a return of premiums paid plus 10% interest. This limited benefit period is to prevent people with a terminal illness from buying a policy that the insurers need to pay sooner than later.

4. They will approve your application with first-day coverage

Some insurance companies do not mind COVID-19 because it is lower risk compared with other diseases. These companies will offer you the lowest rate and first-day coverage.

Hopefully, you have no other health issues that may prevent you from qualifying with one of these companies.


There are two burial insurance options with coronavirus:

Simplified Issue Life Insurance (Level Benefit Plan)

You don’t need to have a physical or medical exam to be eligible for simplified issue burial insurance. Insurance companies won’t even require a blood or urine sample from you to qualify.

You will only need to answer a simple health questionnaire to qualify. Most of the time, you will only need to answer about 15 to 20 easy health questions to be eligible.

The best feature of this plan is first-day coverage without a waiting period. You are fully covered, and your beneficiary would receive your 100% death benefit immediately when you pass away.

You don’t even need to undergo a medical exam!

Instead of a medical exam, the company will check your:

  1. Prescription medication history through Rx database
  2. Medical history through the Medical Information Bureau
  3. Driving record through the Department of Motor Vehicle

Some companies may want to do a phone interview during the application. Depending on the company, they often issue an approval right on the phone interview.

Getting burial insurance with no waiting period is super easy; all you need to do is apply to a company where you just answer health questions on the application.

Guaranteed Issue Burial Insurance (Graded Benefit Plan)

If you are currently hospitalized because of coronavirus, you will only qualify for a guaranteed issue burial insurance policy. You will be approved for coverage regardless of your health and current hospitalization.

When you apply for GI policy, the insurance companies will not ask any health questions, nor will you be required to take a medical exam, provide blood and urine samples.

They will also not check your prescription history or MIB, nor will they call you for a phone interview. So, even if you’re in the hospital, you will still qualify for coverage!


No Medical Exam

You are not required to take a medical exam to qualify for burial insurance. You will not be required to answer a few health questions. The guaranteed issue plan doesn’t even have health questions.

Easy to Qualify

Burial insurance has a simple application process. All you need to do is sign the application over the phone, your computer, or laptop. You will only need to provide your personal information, beneficiary, and payment information. We will send it to the insurance company and wait a few minutes to get approved.

Level Premium

Burial insurance is whole life insurance policies with a fixed monthly premium. Your monthly insurance bill will never increase because it is locked in at your current age, and it will remain fixed for the rest of your life. It will never increase for any reason as long as you keep paying your premiums on time.

Level Death Benefit

Your death benefit is also fixed and guaranteed never to decrease. Your beneficiaries will receive your 100% death benefit payout.

Not Cancellable

Some policyholders complain that their policy was canceled when they reached 80 years old. Burial insurance is whole life insurance that will not cancel and will remain in force as long as you live (up to 121 years old).

Cash Value Accumulation

Whole life insurance policies accumulate cash value over the years. This accumulated amount can be used to pay the premium, or you can borrow the cash value to be used for whatever purpose.

You Can Purchase Minimal Coverage

If you want a policy to cover your funeral, burial, or end of life expenses, burial insurance allows you to buy as little as you need. You can choose a face amount between $2,000 to a maximum of $25,000.



Most companies offering burial insurance plans accept applicants who are 50-85 years old, although some companies offer policies to those younger than 50 and older than 85 years old.

State Availability

Some insurance companies are not licensed in all states. Make sure that the company you apply is licensed in your state before you apply for coverage.

Ability to Enter a Legal Contract

Mental capacity to enter into a legal contract is a requirement to qualify for burial insurance. People with cognitive impairments who can’t give legal consent may be declined for coverage.


When you’re ready to take the next step and purchase burial insurance coverage amid coronavirus, we advise you to do some shopping around. Take your time and compare dozens of different insurance companies for pricing. Choose that one that offers first-day coverage with the lowest rate.

At this moment, little is still known about coronavirus; that’s why it is essential to find a life insurance company that is going to view your condition more favorably. We will help you find the company that does not have any exclusion on flu-like epidemics.

If you are healthy, apply for life insurance now. Do not let an epidemic force you to get insurance coverage. Getting insurance before coronavirus diagnosis will allow you to qualify for the best plan with the best rate.

Work with an experienced independent insurance agency like Funeral Funds. Instead of having to call multiple companies yourself, let us help you through the process. Working with us is like contacting 40 companies all at once. It is the quickest way to be the lowest rate on burial insurance.


Trying to find a policy if you have coronavirus needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

If you have a health history of coronavirus or COVID-19, let us help you; we will work with you side by side to find a plan that fits your needs.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We will shop your case to different insurance carriers and get you the best price.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies to get the best rate. We will match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for coronavirus funeral insurance, or coronavirus burial insurance, or coronavirus life insurance.

Fill out our quote form on this page or call us at 888) 862-9456 and we can give you an accurate quote.