Stay informed and empowered. Our blog features helpful tips, real-life stories, and expert insights on Final Expense insurance, legacy planning, and financial wellness for families. Whether you're just starting to explore coverage or want to better protect your loved ones, our articles are here to guide you—clearly, honestly, and without the jargon.

 

 

IS a Medical Exam required for Final Expense Life Insurance?

If you’ve been putting off buying final expense life insurance because you think you’ll need to take a physical exam, there’s good news: most policies don’t require a medical exam at all.

 

What Is Simplified Issue Life Insurance?

Final expense policies are typically offered as "simplified issue" policies. That means:

  • No physical or lab work required

  • A short health questionnaire

  • Faster approval process (sometimes same-day)

This is great news if you have a medical condition or want to avoid the hassle of doctor visits.

 

Why Is No Exam Needed?

Insurers design final expense plans to be accessible for older adults and those who may not qualify for traditional coverage. Because the coverage amount is smaller (typically under $25,000), there’s less risk involved.

 

 

 

 

What Questions Will You Be Asked?

While you won’t need to see a doctor, you may be asked questions like:

  • Do you smoke?

  • Have you been diagnosed with a terminal illness?

  • Are you currently receiving home health care or living in a nursing facility?

Your answers help determine your eligibility and whether your policy has a waiting period before full death benefits are payable.

 

Guaranteed Issue vs. Simplified Issue

There are also "guaranteed issue" plans available—no health questions at all. But these always include a waiting period and may have higher premiums.

 

Choosing the Right Type of Coverage

If you’re in reasonably good health, a simplified issue plan with no medical exam and immediate coverage is often best. If you have serious health concerns, a guaranteed issue policy ensures coverage, even with a medical condition.

 

The Bottom Line

You don’t have to fear the doctor’s office to qualify for burial insurance. With final expense life insurance, most people can apply, get coverage, and gain peace of mind without ever being poked or prodded.

 

 

 

 

 

Disclaimer: This content is for informational purposes only and does not constitute legal or financial advice. Insurance policies, rates, and availability vary by provider and location. Please consult a licensed insurance agent to learn more.

Ready to learn more? Call 702-748-8489 or visit HackettLegacyInsurance.com today.