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Burial Insurance with Pre-Existing Conditions

Get covered regardless of your health status

Coverage by Medical Condition

You can get approved with pre-existing conditions. Select your condition below to learn more about coverage and approval odds.

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Diabetes (Type 1 & 2)

βœ“ 95%+ Approval Rate

Diabetes is one of the most common pre-existing conditions, and we approve thousands of applicants with diabetes every year.

Coverage Details:

  • Type 1 & Type 2 diabetes fully covered
  • No medical exam required
  • Fast approval in 24 hours or less
  • Medication status doesn't affect approval
  • No restrictions on coverage amount

What We Ask About:

  • Year of diagnosis
  • Current medications
  • Blood sugar control status
  • Any diabetes-related complications
πŸ’‘ Example: A 72-year-old with Type 2 diabetes was approved for $15,000 coverage at $85/month. Approval took 2 hours.
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Heart Disease & Cardiac Conditions

βœ“ 90%+ Approval Rate

Heart disease is serious, but it doesn't disqualify you from getting burial insurance. We approve applicants with heart conditions daily.

Covered Conditions:

  • History of heart attack
  • Coronary artery disease
  • Heart failure (mild to moderate)
  • Arrhythmia (irregular heartbeat)
  • High blood pressure
  • Stent or bypass surgery history

What We Ask About:

  • Type of heart condition
  • Year of diagnosis or event
  • Current medications
  • Recent hospitalizations
  • Doctor visits and treatment
πŸ’‘ Example: A 68-year-old with a history of bypass surgery was approved for $20,000 coverage at $110/month. Approval took 6 hours.
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Cancer & Cancer Survivors

βœ“ 85%+ Approval Rate

Cancer diagnosis doesn't automatically disqualify you. Many cancer survivors and those currently undergoing treatment get approved.

Coverage Details:

  • Cancer survivors eligible for coverage
  • Some current treatment cases approved
  • Time since diagnosis matters (typically 5+ years better)
  • Type of cancer and stage reviewed individually
  • Remission status improves odds significantly

What We Ask About:

  • Type and stage of cancer
  • Year of diagnosis
  • Current treatment status
  • Remission status (if applicable)
  • Recent oncology visits
πŸ’‘ Example: A 65-year-old breast cancer survivor (3 years in remission) was approved for $15,000 coverage at $95/month.
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Other Medical Conditions

βœ“ 95%+ Approval Rate

If your condition isn't listed above, you can still likely get approved. Here are other conditions we commonly approve:

Commonly Approved Conditions:

  • COPD (Chronic Obstructive Pulmonary Disease)
  • Asthma and respiratory conditions
  • Kidney disease (early to moderate stages)
  • Liver disease (non-severe)
  • Arthritis and joint conditions
  • Thyroid disease
  • Osteoporosis
  • Sleep apnea
  • Depression and mental health conditions
  • Parkinson's and neurological conditions

Even With Serious Conditions:

Conditions like stroke recovery, Alzheimer's, and other serious illnesses may still qualify. Our agents review each application individually.

πŸ’‘ The Bottom Line: With a 95%+ approval rate, most people with pre-existing conditions can get approved. The worst they can say is "no" - so it's worth applying!
❓ Don't see your condition listed?

No problem! Call our licensed agents to discuss your specific situation. They review 100+ different medical conditions and know how to get people approved.

Call (503) 333-1788 to speak with an agent about your condition.

No Matter Your Health, We're Here

Our goal is to get you covered so your family is protected.

βœ“ No Medical Exam

We don't require exams. Just answer health questions - that's it.

βœ“ Fast Approval

Most approvals in 24 hours or less, regardless of health status.

βœ“ Fair Pricing

Your rate locked in for life based on honest health disclosure.

βœ“ Honest Agents

We tell you truthfully if we can cover your condition.