Are there any plans available that offer coverage without having to answer any questions about my health?
Yes, actually final expense policies usually offer guaranteed approval without any exams or health questions asked of the applicant for coverage.
These policies may offer you the option of choosing up to $25,000 of insurance, but since approval is guaranteed if you meet the age requirements, there is a limited death benefit the first two years you are insured.
Some final expense policies offer guaranteed coverage for people ages 45-75, 40-80 or 45-85, depending on the insurance company.
Here's how to get a final expense policy with no medical questions asked.