For over a decade, Burial Senior Insurance has helped seniors and families nationwide plan ahead with honest, affordable final expense coverage — no medical exams, no waiting periods, and no pressure. Our licensed agents guide you to the plan that fits your budget and your family’s needs.
Families Protected
Average Client Rating
Top-Rated Carriers
Average Approval Time
30+
years helping families plan ahead
No exam life insurance provides immediate financial protection without requiring a medical checkup, blood draw, or urine test. Through streamlined digital underwriting, your application is processed using simplified health questions and medical database checks.
This modern coverage option is perfect for busy individuals, those who dislike needles or doctor visits, or anyone needing quick life insurance approval to cover a mortgage, business loan, or family safety net.
Cremation costs continue to rise. Having a dedicated policy ensures your family isn’t left paying out-of-pocket.
Get policy approval in minutes or days instead of waiting weeks or months.
Skip invasive physicals, blood draws, weight check-ins, and needle pricks.
Apply entirely online or over the phone from the comfort of your home.
Fast coverage delivery to satisfy mortgage or business loan requirements.
Enjoy fixed monthly premiums that never increase once approved.
Full cash benefits delivered directly to your loved ones free of income tax.
Explore non-medical underwriting structures designed for different health profiles and coverage timelines.
Requires answering a few basic health questions with no physical exam. Offers high benefit limits at competitive rates for healthy applicants.
Offers guaranteed approval with zero medical exams and zero health questions. Designed specifically for applicants with underlying health conditions.
Uses advanced algorithmic underwriting to instantly approve healthy buyers for traditional term life rates without requiring an exam.
Ideal for busy adults and seniors who value speed, convenience, and privacy.
People who don't have time to schedule and attend doctor appointments.
Individuals who avoid medical checkups due to blood draws or needles.
Buyers needing fast life insurance proof to finalize a mortgage loan.
Older adults wanting quick whole life protection for burial costs.
People looking for hassle-free approval without intrusive lab tests.
Buyers seeking immediate family protection without long waiting periods.
Traditional life insurance applications can take anywhere from 4 to 8 weeks, involving lab technicians visiting your home, blood tests, and lengthy medical record requests. No exam life insurance eliminates these roadblocks using modern data underwriting.
By reviewing electronic health databases and prescription histories in real time, top-rated carriers can approve your policy in minutes. You get the same locked-in rates and high payout limits without ever stepping onto a scale or taking a blood test.
Practical advantages designed for maximum speed, convenience, and security.
Zero blood work, urine tests, or physical checkups
Get active coverage in minutes, hours, or a few short days.
Access up to $1,000,000+ in term or whole life benefits.
Your monthly premium stays completely fixed once approved.
Complete the entire application online from your phone or computer.
Beneficiaries receive the full cash payout free of federal income tax.
(800) 718-4568
Simple steps to secure instant non-medical life insurance.
1
Choose between Simplified Issue, Guaranteed Acceptance, or Accelerated Term.
2
Answer basic personal and health questions online.
3
Modern digital underwriting reviews your application instantly.
4
Pay your first monthly premium to secure immediate protection.
Estimated monthly premiums for a $250,000 no-exam term policy for healthy applicants.
|
AGE
|
FEMALE RATE
|
MALE RATE
|
|---|---|---|
|
55
|
$24/mo
|
$29/mo
|
|
60
|
$29/mo
|
$36/mo
|
|
65
|
$37/mo
|
$46/mo
|
|
70
|
$48/mo
|
$61/mo
|
|
75
|
$68/mo
|
$87/mo
|
Sample rates are for illustrative purposes. Actual rates depend on exact age, health questionnaire responses, selected plan type, and carrier.
We partner with leading digital carriers to ensure you get the fastest approval at the lowest rate.
Access no-exam plans backed by financially strong, A-rated insurance companies.
Compare top non-medical rates in seconds to find maximum value.
Simple, transparent guidance that lets you apply at your own pace.
Accelerated application handling for immediate peace of mind.
Start with a few basic details — takes less than a minute.
945+ Reviews
Or Call: (800)-718-4568
Answer a few quick questions and one of our licensed agents will help you compare real quotes from top-rated carriers — no obligation, no pressure.
✓ 100% Free Quote
✓ No Obligation
✓ Licensed Agents
Not necessarily! For healthy individuals, Accelerated Underwriting term policies cost the exact same as traditional policies that require exams. Guaranteed Issue policies may cost slightly more due to higher risk.
Insurance carriers use secure electronic databases to check medical records, prescription histories, and driving records alongside your application answers.
Many applicants receive instant approval within minutes. Other simplified applications are usually processed within 24 to 48 hours.
Yes! Both Simplified Issue Whole Life and Guaranteed Issue Whole Life offer permanent coverage with zero doctor physicals.
Qualified applicants can secure up to $1,000,000 to $3,000,000+ in term coverage without a medical exam depending on age and health history.
Burial Senior Insurance provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
Copyright © Burial Senior Insurance 2026. All Right Reserved.
