Burial Insurance with a Felony Conviction


Getting burial insurance with a felony conviction could be tough with some insurance companies. However, that doesn’t mean you can’t get approved for coverage.

Most life insurance companies view applicants with felony records as higher risk applicants, but it doesn’t prevent you from getting life insurance. Depending on the nature of the conviction and the amount of time that passed, you still have options.

We work with a handful of insurance companies that don’t ask about felony convictions on their application questionnaire, and you can even qualify for level death benefit even if you have a history of a felony.

In this article, we will discuss how life insurance companies underwrite people with a felony conviction and how you can get the most affordable plan.



Felony is a crime more serious than a misdemeanor, and usually punishable by imprisonment for more than one year. A felony charge doesn’t make you a felon but being convicted does. Criminal fines will also be imposed for felony charges.

Felony charges include homicide, attempted murder, arson, rape, human trafficking, robbery, burglary, criminal damage to property, escaping from prison, assisting in a felony, and failing to inform a sex partner of HIV positive status. State and federal law may categorize various other crimes as felonies.

Life insurance companies are reluctant to insure felons because:

  • Being incarcerated is considered life-threatening.
  • High-risk lifestyle, most felons are prone to making bad choices that could endanger their life.
  • Some diseases can be contracted inside the prison walls which could ultimately result in death years after release.
  • Imprisonment can cause stress that may lead to health problems.
  • Incarceration is a traumatic experience that can take a toll on physical and mental health.
  • Incarceration increased the chance of alcohol and drug abuse.
  • Felons have a greater chance of accidental death. Violent felons are more likely to die prematurely than those without a felony record.

Any of these may result in premature death. Anything that can cause untimely death is a significant issue with life insurance companies.

Life insurance companies are cautious about giving life insurance coverage to felons because more than 50% of them will be re-incarcerated within the first three years. A felon could die while committing a new crime, and he has an increased risk of early death or poor health when he goes back to prison.

Many life insurance companies refrain from insuring those on probation because there is a higher chance of returning to jail. The criminal justice system continues to monitor someone on probation, and any small violation can cause him to return to prison again.

Even if you can prove that you are not much of a risk, being a felon you are considered a high-risk applicant compared to people who have a clean record. Felons are also expected to pay a higher premium because of the risk they carry.


There are felonies and crimes which is severe enough to prevent you from getting life insurance coverage from some companies. Here’s the list of crimes that will severely limit your coverage options to guarantee issue burial insurance:

  • Drug Trafficking
  • Murder
  • Child molestation
  • Rape
  • Kidnapping
  • Conspiracy to commit any of these crimes

Being in prison is considered life-threatening by the life insurance companies and you will be ineligible with all insurance companies.


When applying for burial insurance with a felony conviction, we will need more information about your case. Your information will help us determine what plan you will qualify for and to give you an accurate quote.

Here are some of the questions we would ask if you have a felony conviction:

  1. What type of felony were you charged with?
  2. How long ago was the felony?
  3. Have you ever been incarcerated?
  4. How much time did you spend in prison?
  5. How long ago did you leave prison?
  6. How much time has passed since you were charged with a felony and convicted of the crime?
  7. Did you serve probation or get parole?
  8. When did your probation or parole period end?
  9. What medical condition do you have?

Please be honest if you have been convicted of a felony, don’t try to hide it.

If you lie on an insurance application (this is considered insurance fraud), and the insurance company finds out later, they would decline your application.



If you’ve been denied insurance coverage because of a felony conviction, simplified issue life insurance without a medical exam may be the answer.

This plan has less underwriting than traditional life insurance, you skip the physicals, and you only need to answer some health questions.

The option for immediate full coverage is typically available after two full years have passed since you had your felony conviction and you’ve been out of jail, or you have finished parole.

Most life insurance companies are looking for a clean record of health and lifestyle over the last two years.

If your medical record shows good health, most companies will approve your application even if you have a history of felony convictions. You will have a level death benefit which means your life insurance payout will be the same throughout the life of the policy. Your beneficiary will receive your death benefit whenever you pass away.

We work with companies that don’t even ask about felony conviction in their application.

If you are generally healthy, you can easily qualify for a level death benefit. It has first-day coverage without a waiting period, and at the lowest rate, the company can offer.


Guaranteed issue (GI) policies are most commonly used if you have a felony conviction, you recently got out of jail, or you are on parole and will be for a continuous period of time.

This plan doesn’t ask any health questions or questions about felony convictions. As long as you can sign your name on the application (cannot be done if you are in jail), your coverage will be approved, and you will be covered immediately for an accidental form of death.

Guaranteed issue whole life insurance has a two year graded benefit clause, which means that if you die during the waiting period, your beneficiaries will receive your total premium paid plus 10% interest.

This plan is your best option if you cannot be eligible for a level death benefit. Whatever happens, as long as you keep paying your premiums on time, your beneficiaries are sure to receive a cash payout when you pass away.

Many life insurance companies offer guaranteed issue life insurance for people with felony convictions and those with severe medical conditions. The only difference between the companies is the amount of premium and the length of the waiting period.


Trying to find a policy with a felony conviction 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 a felony conviction, 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 for 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 a felony conviction funeral insurance, or a felony conviction burial insurance, or a felony conviction life insurance, we can help. Fill out our quote form on this page or call us at (888) 862-9456 and we can give you an accurate quote.