If you want to sign up for a final expense policy, what you will have to do is answer a few health-related questions. Such is not the same when getting traditional term or whole life insurance, and so you will not need to take a medical exam, nor will you have to offer the insurer some access to your medical records. On that note, if you possess some major issues, then you may not qualify for this.

There are some insurers give out the policies with a changed benefit or a labeled death benefit, instead than a level benefit, to those who cannot give out the health screening questions. These Insurance policies usually integrate a waiting period of two to three years until the time the full death benefit will be fully paid.