When it comes to getting a burial policy from insurers you would not need to have a medical exam but you will sure answer a lot of questions about your health on the application which will be filled by your agent.
You would need to be eligible if you are looking for the lowest rate for a traditional final expense policy. This will give you a good level of death benefits.
The fact is that almost all insurer will give coverage even when you have some health issues. However there are some health issues that when given a yes answer to the questions will make the insurance company decline their converge.
These diseases include the following.
Angina or Chest pains present in the last 12 months
When an insured is wheelchair-bound because of any chronic illness
An insurer that is tested positive to HIV or AIDS
It one had or on a waiting list for organ transplant
Another decline will be if you are Currentlyin the Hospice care , a nursing home, hospital or facility
If you are presently on Dialysis
Diagnosed with any kind of Terminal Illness
Another decline will be if one has Stroke in the last 12 months
One with dementia or Alzheimer
A person under treatment for Cancer
What's do you think?
You would need to be eligible if you are looking for the lowest rate for a traditional final expense policy. This will give you a good level of death benefits.
The fact is that almost all insurer will give coverage even when you have some health issues. However there are some health issues that when given a yes answer to the questions will make the insurance company decline their converge.
These diseases include the following.
Angina or Chest pains present in the last 12 months
When an insured is wheelchair-bound because of any chronic illness
An insurer that is tested positive to HIV or AIDS
It one had or on a waiting list for organ transplant
Another decline will be if you are Currentlyin the Hospice care , a nursing home, hospital or facility
If you are presently on Dialysis
Diagnosed with any kind of Terminal Illness
Another decline will be if one has Stroke in the last 12 months
One with dementia or Alzheimer
A person under treatment for Cancer
What's do you think?
