← All Articles

Can You Get Final Expense Insurance With Pre-Existing Conditions?

One of the biggest misconceptions about life insurance is that a pre-existing health condition automatically disqualifies you. With final expense insurance, that's simply not true. Most applicants with common health conditions are approved, often the same day they apply.

Conditions That Typically Don't Disqualify You

Simplified issue final expense policies — the most common type — are designed to accept applicants with managed health conditions. Here are some conditions that usually won't prevent you from getting coverage:

• Type 2 diabetes (managed with medication)
• High blood pressure
• High cholesterol
• COPD (mild to moderate)
• History of heart attack or stroke (more than 1–2 years ago)
• Arthritis
• Depression or anxiety (managed with medication)

Each carrier has different underwriting guidelines, which is why working with a licensed agent who represents multiple companies is so valuable. If one carrier declines you, another may accept you at a standard rate.

Conditions That May Require Guaranteed Issue

Some conditions may prevent you from qualifying for simplified issue coverage. These typically include active cancer treatments, current use of oxygen, organ transplant recipients, or recent nursing home stays. In these cases, guaranteed issue policies are available — no health questions asked.

The trade-off with guaranteed issue is a 2- to 3-year waiting period before the full benefit is paid, plus higher premiums. But for people who can't qualify any other way, it's an important safety net.

The Key Is Working With the Right Agent

The difference between getting approved and getting declined often comes down to which carrier your agent submits your application to. Each carrier weighs conditions differently. An experienced agent knows which companies are the best fit for your specific situation.