2024 Burial Insurance No Questions Asked

Burial insurance with no questions asked is available from many life insurance companies, and they have no medical exam or health questions. If you’ve been declined coverage because of pre-existing medical conditions, burial insurance with no questions asked is your only option to get life insurance coverage.

Burial insurance that asks no questions is also called Guaranteed Issue Life Insurance with a 2-year waiting period. Guaranteed acceptance insurance is a type of life insurance that should only be used if you have serious health issues. 

In this article, we will explore everything you need to know about burial insurance that requires no health questions and how you can apply to the best company with the best price.


Key Learning Points

  • No Questions Asked Insurance is designed to cover burial costs and final expenses without requiring you to take a medical exam or health questionnaires.
  • It is ideal for individuals with pre-existing health conditions or those who prefer a quick and convenient application process.
  • The cost of burial insurance policies varies based on age, gender, and the desired coverage amount, with premiums higher for older individuals and higher coverage amounts.
  • Guaranteed Acceptance Life Insurance is available with a two-year waiting period and is designed for individuals with health issues or difficulty qualifying for traditional policies, providing coverage regardless of health condition or history.
  • Funeral Funds of America is a life insurance broker that can help you compare policies from different life insurance companies to get the lowest pricing.

How Does No Questions Ask Life Insurance Work? 

When you’re doing your research, you may see any of the following phrases used to describe no questions asked burial insurance:

  • Guaranteed issue life insurance
  • Guaranteed whole life insurance
  • Guaranteed issue burial insurance
  • Guaranteed issue funeral insurance
  • Guaranteed issue final expense insurance
  • Guaranteed acceptance life insurance
  • Guaranteed acceptance burial insurance
  • Guaranteed acceptance final expense insurance
  • No questions life insurance
  • No questions asked burial life insurance
  • No health questions burial insurance
  • No questions funeral insurance
  • No questions final expense insurance
  • Burial insurance no questions asked
  • Burial insurance no health questions
  • Burial insurance no medical questions

Guaranteed issue, also called guaranteed acceptance life insurance is a type of whole life insurance policy offered to people who can’t qualify for traditional term life or whole life policies insurance because of severe medical conditions.

Guaranteed issue life insurance is designed to cover your burial costs and other final expenses. Unlike traditional life insurance policies, which may require medical exams and detailed health questionnaires, burial insurance with no questions asked offers a simple and streamlined application process.

Approval is guaranteed without a medical exam or health questions. Your premium is fixed for the rest of your life, and the death benefit will never decrease. This policy does not have an expiration as long as premiums are paid.

This life insurance plan can cover the funeral, medical bills, and final expenses regardless of health. Typical coverage amounts are $10,000 to $20,000 but can go as low as $2,000 of coverage and as high as $25,000.

What Is The Difference Between No Medical Exam And No Health Questions Insurance?

  • No Exam Life Insurance:  Simplified issue insurance life insurance does not require a medical exam. Insurance providers will issue a policy based solely on your age, gender, and other basic information. You will only need to answer health questions. This burial insurance with health questions and no waiting period starts from the first day. 
  • Life Insurance With No Health Questions: With guaranteed acceptance life insurance with no exam, there are no health questions. Insurance companies will issue a policy without considering your medical history. Guaranteed issue policies are the best options for individuals with pre-existing conditions or concerns about their health being a factor in obtaining coverage. The downside of this policy is that it comes with a higher premium and a two-year waiting period.

Benefits Of Guaranteed Issue Final Expense Life Insurance

Ease of issue

The application process is straightforward. You will only need to supply your personal information, beneficiary, and payment information when you apply for guaranteed issue whole life insurance.

You will never see any health-related questions on the application. The company will never check your prescription and medical history or request an attending physician statement.

You only need to sign your name on the application and make a payment to qualify. You can apply on the phone or through your computer. Wait a few minutes, and you’ll be approved; it’s easy.

No medical exam or health questions

Traditional life insurance requires a medical exam and asks questions about your health to determine your level of risk and how much you will pay. You can now apply for life insurance without undergoing extensive medical exams with urine and blood samples.

With guaranteed issue no exam burial insurance, no health questions are asked.

Guaranteed approval

Many life insurance companies may classify you as high-risk or uninsurable if you have medical issues. A guaranteed issue life insurance for seniors is designed for people with health issues. Your approval is guaranteed regardless of your medical conditions. 

Quick application process

The application process becomes quicker since there are no medical exams and underwriting. You don’t have to wait for so long to get your policy. With this insurance option, you will get coverage within a few minutes to a couple of days instead of several weeks.

Fixed premium

A benefit of no health questions life insurance or guaranteed acceptance life insurance is that your monthly insurance premium is fixed. Your premium will never increase because you locked it at your current age, and it will remain level for the rest of your life.

As long as you keep paying your premium on time, it is guaranteed to never increase for any reason.

Not cancellable

You don’t have to worry because guaranteed acceptance permanent life insurance will never be canceled because of your age or declining health condition as long as you pay your premiums on time.

Your death benefit will never decrease.

Your death benefit is fixed and guaranteed never to decrease when you pass away. Your beneficiaries will get 100% of the face amount of your benefit right away if you die from an accident or after the two-year waiting period if you die from natural death.

The death benefit is tax-free and your beneficiaries will receive your full death benefit free of tax when you pass away after waiting.

Your policy will never expire after 80 years old.

A guaranteed issue policy is whole life insurance that will last your lifetime. The policy will not terminate if you keep paying your monthly premiums on time.

Cash value accumulation

Your accumulated cash value can be used to pay your premiums or pull it out as a loan if you have small emergencies.

Guaranteed issue is good bridge insurance product.

You can get a guaranteed issue policy to ensure coverage while you’re on a waiting period to apply for traditional life insurance.

Some guaranteed issue burial insurance companies offer living benefits

Seniors diagnosed by their doctors as having a chronic illness or severe cognitive impairment like dementia can qualify for living benefits.

Medical Conditions That Will Only Qualify For Guaranteed Issue Burial Insurance Coverage

Life insurance companies will assess your risk depending on your current health condition. The company considers some medical conditions high risk because they lower your life expectancy.

If you deal with any of these issues, guaranteed issue burial insurance with no health questions is your best option for burial or life insurance coverage.

  • Terminal illness (your life expectancy is 24 months or less)
  • You have cancer within the last 24 months
  • Diagnosed with AIDS or HIV
  • Alzheimer’s or dementia
  • Confined to a wheelchair or bed because of chronic illness
  • Currently in the hospital, nursing home, skilled nursing facility, or hospice care
  • Needing help with activities of daily living such as eating, bathing, dressing, transferring, and continence
  • Drug or alcohol abuse in the last 24 months

No life insurance companies will approve your application with these medical conditions and issues.

GI policies have no medical questions, so your insurance application will be approved even with these high-risk conditions.

Who Should Buy Guaranteed Issue Burial Insurance No Questions Asked?

  1. People with severe medical conditions, please read the list above for the different health and other issues that will qualify for guaranteed issue life insurance.
  2. If you need life insurance quickly and cannot wait to purchase a fully underwritten policy, a guaranteed issue policy with no medical questions asked may be a good option. Your approval is fast, and you can be approved within 15 minutes.
  3. You have mobility problems and are confined to a bed or wheelchair. Also, if you need help with activities of daily living such as eating, bathing, dressing, transferring, and continence, your only option for life insurance coverage is to take a GI policy.

Requirements To Qualify For Guaranteed Issue Burial Insurance

Age Requirement

Every burial insurance company has its age limitations, but most guaranteed issue whole life insurance companies accept applicants 0 to 85 years old (company and State dependant).

State Availability

Not every insurance company has its insurance products licensed in every state.

Ability to Enter into a Legal Contract

You must possess a mental capacity to enter into a legal contract. For example, suppose you have a cognitive impairment like dementia or Alzheimer’s disease and may not be able to consent to an agreement legally. The company would not accept or approve your insurance application in that case.

Most guaranteed issue life insurance companies only require your gender, age, resident state, and whether or not you use tobacco products. As simple as that, there’s nothing more when applying for coverage.

Is There Guaranteed Acceptance Life Insurance With No Waiting Period?

No. All guaranteed issue life insurance policies come with at least a 2-year waiting period.

We only recommend buying guaranteed issue life insurance if you have severe medical conditions because this is the only insurance coverage you will qualify for. Even if you have a terminal illness and are expected to expire in the next 24 months, these life insurance options are best for you.

A guaranteed issue policy may be a little more expensive than plans with full medical underwriting, but you don’t need to worry about being declined for coverage. Your approval is guaranteed, and you have insurance protection whatever happens to you in the future.

Commonly Advertised Insurance Options In TV and Magazines To Avoid

  1. Increasing premium – Many of these life insurance companies on TV offer premium increases every five years. A real guaranteed acceptance whole life insurance has a fixed premium throughout the life of the policy.
  2. Policy ends after age 80 – Some policies terminate when you pass 80. Guaranteed acceptance burial insurance is a type of whole life insurance policy that lasts a lifetime.
  3. 3-year waiting period – Avoid these GI plans at all costs. The best-guaranteed issue life insurance has only a two-year waiting period. It is important to work with an independent life insurance agency like Funeral Funds of America that will prevent you from being led into agreeing to buy life insurance with a 3-year waiting period.

How Can Funeral Funds Help Me?

Finding a policy with no questions asked needn’t be frustrating; working with an independent agency like Funeral Funds, which works with all the best burial and final expense insurance companies to make the process easier and more affordable.

If you have a health history and need a no-questions-asked policy, let our licensed life insurance agents help you. Just answer a few questions, and we will work with you to find a plan that fits your life insurance needs.

Let a licensed life insurance expert at Funeral Funds find the plan that fits your needs and budget. We will shop your case at different insurance carriers and get you the best price.

We work with many A+-rated insurance carriers specializing in covering high-risk clients like you. We will search for all those companies to get the best rate. We will get you the best burial insurance with no waiting period and 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 no questions asked funeral insurance, or no questions asked burial insurance, or no questions asked life insurance, we can help.

Fill out our quote form on this page or call (888) 862-9456, and we can give you accurate funeral insurance quotes.

Frequently Asked Questions:

What Is the Process for Applying for Burial Insurance With No Questions Asked?

If you don’t qualify for traditional life insurance, applying for burial insurance with no questions asked is a good alternative. It never requires a medical exam, and you can easily get coverage without any health inquiries. Simply provide your basic information and choose a plan that suits your needs.

Can I Still Qualify for Burial Insurance With No Questions Asked if I Have Pre-Existing Health Conditions?

If you have pre-existing health conditions, you can still qualify for life insurance with no medical exam. This type of coverage allows you to secure financial protection without worrying about your medical history.

Are There Any Age Restrictions for Obtaining Burial Insurance With No Questions Asked?

There are no age restrictions for obtaining burial insurance with no questions asked. You can qualify regardless of your age, making it a convenient option for anyone looking to secure funeral expenses.

How Does the Coverage Amount for Burial Insurance With No Questions Asked Compare to Traditional Burial Insurance?

When comparing the coverage amount for burial insurance with no questions asked to traditional term life insurance, you’ll find that they can vary. It’s important to carefully review the terms and conditions to ensure you’re getting the coverage you need.

Are There Any Limitations or Exclusions to Consider With Burial Insurance With No Questions Asked?

There are limitations and exclusions to consider with burial insurance with no questions asked. It’s important to review the policy carefully to understand what is covered and what is not.


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