It's much easier to qualify for a final expense insurance policy than it is for traditional life insurance, but there are still some health issues that might cause an insurance company to turn down an application.
Final expense insurance is a form of life insurance that requires no medical exam, which means there are no health screenings or tests required to qualify.
There are also guaranteed issue final expense policies that guarantee your approval for coverage, but there may be limited death benefits the first two years you are insured by the policy.
Guaranteed issue final expense insurance means you cannot be turned down for coverage due to any health problems, as long as you meet the age requirements for acceptance.
Some insurance carriers guarantee approval for people 45 to 85 years of age.