Can You Qualify for Final Expense Insurance with Health Conditions?

Good news: You probably can — even with pre-existing issues.

Many people worry that their health history might prevent them from getting life insurance — but final expense insurance is different. At Safeguard Insurance Group, we work with clients who have medical conditions every day and still help them find affordable, no-hassle coverage.

So if you’ve been asking, “Can I qualify for final expense insurance with health issues?” — the answer is: most likely, yes.

Here’s what you need to know.

💡 What Makes Final Expense Insurance Different?

Unlike traditional life insurance, final expense insurance doesn’t require a medical exam for most applicants. Instead, you’ll answer a few yes/no health questions on the application.

Depending on your answers, you’ll typically qualify for:

• Level benefit coverage (full payout from day one)

• Graded or modified coverage (payout increases after 1–2 years)

• Or a guaranteed issue policy (approval with no questions at all)

🩺 Common Health Conditions That Are Still Eligible

Even with the following conditions, many applicants can qualify:

• High blood pressure

• Type 2 diabetes

• High cholesterol

• Mild anxiety or depression

• Arthritis

• Past surgeries or hospital stays

• Controlled heart conditions

• COPD or asthma (in some cases)

Each insurer has different rules, but we help you match with the right carrier for your situation.

❌ Health Issues That Might Delay Full Coverage

Some conditions may still qualify you — but with a waiting period (usually 2 years) before the full benefit is available. These include:

• Cancer within the past 2 years

• Congestive heart failure

• Kidney disease

• Stroke or heart attack within the past year

• Alzheimer’s or dementia

• Terminal illness

Even in these cases, guaranteed acceptance plans are available — you just need to know where to look.

📦 Guaranteed Issue Plans: No Health Questions at All

If you've been turned down elsewhere, guaranteed issue final expense insurance might be your best option. These policies:

• Have no health questions

• Are approved almost instantly

• Have a 2-year waiting period before the full benefit is available

• Are ideal for those with serious or multiple conditions

They’re not for everyone — but they can be life-saving for families with no other coverage options.

🧠 The Bottom Line

Yes, you can still qualify for final expense insurance even with health conditions. The key is working with a provider like Safeguard Insurance Group that understands how to match your health profile with the right plan.

👉 Get a free, no-pressure quote today, and see what you qualify for — you might be surprised at how easy it is.