Final Expense Insurance with Health Conditions

Pre-existing health conditions don't have to prevent you from getting coverage. We help you find the right policy.

Coverage Options for Every Health Situation

Many people believe that health conditions disqualify them from final expense insurance. The truth is, there are options available for almost everyone, regardless of health status.

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Heart Disease

Coverage options for those with heart conditions, including past heart attacks, stents, and bypass surgery.

  • Level benefit options available
  • Graded benefit alternatives
  • No medical exam required
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Diabetes

Affordable coverage for Type 1 and Type 2 diabetes, including those using insulin.

  • Immediate coverage available
  • Competitive rates
  • Multiple carrier options
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COPD/Emphysema

Insurance options for those with chronic respiratory conditions.

  • Oxygen use accepted
  • Simplified underwriting
  • Guaranteed acceptance available
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Cancer

Coverage during treatment and for cancer survivors.

  • Options during treatment
  • Better rates post-treatment
  • Various policy types
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High Blood Pressure

Affordable rates for controlled hypertension.

  • Standard rates possible
  • Medication use accepted
  • Quick approval
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Kidney Disease

Insurance options for chronic kidney disease and dialysis patients.

  • Dialysis accepted
  • Graded benefit options
  • Guaranteed acceptance
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Types of Coverage Available

Level Benefit

Full coverage from day one for those who qualify health-wise. Best rates and immediate full death benefit.

Learn About Level Benefit

Graded Benefit

Partial coverage that increases over time. Good for moderate health issues with reasonable rates.

Learn About Graded Benefit

Guaranteed Acceptance

No health questions asked. Available to everyone within age limits, with a waiting period.

Learn About Guaranteed

Common Questions About Health Conditions

Will I be declined due to my health?

With guaranteed acceptance options available, everyone can get some form of coverage regardless of health status.

Do I need a medical exam?

No. Final expense insurance never requires a medical exam. Some policies ask health questions, others don't.

What if I have multiple conditions?

We work with carriers that specialize in high-risk cases and can often find coverage even with multiple health issues.

Are my medications a problem?

Most medications are acceptable. We'll match you with carriers that are comfortable with your specific prescriptions.

Get Personalized Help Finding Coverage

Our licensed agents specialize in helping people with health conditions find affordable final expense insurance.

Call (484) 729-8157 Get Free Quote

Licensed Agent NPN: 20704118 | No Obligation Consultation