Final Expense Burial Insurance
Finding the best burial insurance carrier is crucial for ensuring that your family is protected and taken care of when you can no longer do so.
Burial insurance is designed to cover the cost of your funeral and final expenses, so it is important to find a reliable carrier that will pay out the death benefit in a timely manner.
While it may be tempting to choose the cheapest option, this is not always the best choice.
Cheap burial insurance policies may come with long delays on death benefit payouts, which can cause financial hardship for your family at an already difficult time.
It is vital to find a quality carrier with a track record of paying death benefits fast.
While this may cost a little more upfront, the peace of mind that comes with knowing your family will be taken care of is worth it.
Best Companies for Pre Existing Conditions
Abdominal aortic aneurysm (Corrected)Mutual of Omaha (Living Promise)Level
Abdominal aortic aneurysm (Not corrected)Mutual of Omaha (Living Promise)Level
Addison’s DiseaseMutual of Omaha (Living Promise)Level
ADHDMutual of Omaha (Living Promise)Level
ADLs – Activities of Daily Living (Eating, Bathing, Dressing, etc)Royal NeighborsLevel
AIDSProsperity (PrimeTerm to 100)Graded
Alcohol Abuse / Drug AbuseMutual of Omaha (Living Promise)If treated within 2 years, Graded
AllergiesMutual of Omaha (Living Promise)Level
ALS (Lou Gehrig’s Disease)Prosperity (PrimeTerm to 100)Graded
Alzheimer’s / DementiaRoyal Arcanum (Graded Benefit)Graded
Amputation Due to AccidentRoyal Arcanum (SIWL)Level
Amputation Due to CancerAIGGuaranteed Issue
Amputation Due to Cancer (After 2yrs)Liberty BankersLevel
Amputation Due to DiabetesRoyal Arcanum (Graded Benefit)Graded
Amputation Due to Non-Diabetic DiseaseRoyal Arcanum (SIWL)Level
AmyloidosisForesters (PlanRight)Standard
Angina (Chest Pain within 2yrs)Mutual of Omaha (Living Promise)If treated within 2 years, Graded
Angina (Chest Pain after 2yrs)Mutual of Omaha (Living Promise)Level
Angioplasty within 1 yearGuarantee Trust LifeGraded
Angioplasty between 1yr and 2yrsCVS (Aetna Accendo)Standard
Angioplasty after 2yrsMutual of Omaha (Living Promise)Level
Ankylosing SpondylitisMutual of Omaha (Living Promise)Level
Anxiety DisorderMutual of Omaha (Living Promise)Level
AppendicitisMutual of Omaha (Living Promise)Level
ARC (Aids Related Complex)Prosperity (PrimeTerm to 100)Graded
Artery DiseaseMutual of Omaha (Living Promise)Level
Assisted Living FacilityRoyal NeighborsLevel
Asthma (Chronic)Royal NeighborsLevel
Asthma (Mild)Royal NeighborsLevel
Atrial Fibrillation (AFIB)CVS (Aetna Accendo)Level
Autism (High Functioning)Mutual of Omaha (Living Promise)Level
Autism (Severe)Liberty BankersLevel
Awaiting Results from Diagnostic TestingLiberty BankersLevel
Awaiting SurgeryGuarantee Trust LifeGraded
Barlow’s SyndromeCVS (Aetna Accendo)Level
Basal Cell CarcinomaMutual of Omaha (Living Promise)Level
Basal Cell Skin CancerMutual of Omaha (Living Promise)Level
Basedow’s DiseaseMutual of Omaha (Living Promise)Level
Bell’s PalsyMutual of Omaha (Living Promise)Level
Bipolar DisorderLiberty BankersLevel
Black LungCVS (Aetna Accendo)Level
Bladder PainMutual of Omaha (Living Promise)Level
Bladder Pain (Chronic)Mutual of Omaha (Living Promise)Level
Bone Marrow TransplantRoyal NeighborsLevel
Brain Tumor (Not Removed, Benign)Mutual of Omaha (Living Promise)Level
Brain Tumor (Not Removed, Malignant)Royal Arcanum (Graded Benefit)Graded
Brain Tumor (Removed, Benign)Mutual of Omaha (Living Promise)Level
Brain Tumor (Removed, Malignant)Royal Arcanum (Graded Benefit)Graded
Bronchitis (Acute)Mutual of Omaha (Living Promise)Level
Cardiac ablationCVS (Aetna Accendo)Level
CardiomyopathyCVS (Aetna Accendo)Level
Cardioversion TreatmentCVS (Aetna Accendo)Level
Cerebral aneurysm (Corrected) Within 2yrs/Over 2yrsCVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Level
Cerebral aneurysm (Not corrected)American Amicable (Senior Choice)Level
Cerebral PalsyMutual of Omaha (Living Promise)Level
Chemotherapy (Current)Royal Arcanum (Graded Benefit)Graded
Chemotherapy (Past) If Over 2yrsCVS (Aetna Accendo)Level
CHF (Congestive Heart Failure) within 2yrs/after 2yrsRoyal Arcanum (Graded Benefit)/Prosperity (New Vista)Graded/Level
Chronic Obstructive Pulmonary Disease (COPD)CVS (Aetna Accendo)Level
Chronic PainMutual of Omaha (Living Promise)Level
Chronic PancreatitisMutual of Omaha (Living Promise)Level
Circulatory DiseaseMutual of Omaha (Living Promise)Level
Circulatory Surgery (Heart or brain) within 1yr/2-3yrs/over 3yrsGTL/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level
Circulatory Surgery (Other)Mutual of Omaha (Living Promise)Level
Cirrhosis (Stage A or B)Foresters (PlanRight)Level
Cirrhosis (Stage C)Foresters (PlanRight)Level
ClaudicationMutual of Omaha (Living Promise)Level
Clogged ArteriesMutual of Omaha (Living Promise)Level
Coronary Artery Bypass Surgery (Within 1yr/1-2 yrs/over 3yrs)GTL/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level
Coronary Artery Disease (CAD)CVS (Aetna Accendo)Level
COVID-19 (Active)Mutual of Omaha (Living Promise)Level
COVID-19 (Awaiting test results)Mutual of Omaha (Living Promise)Level
COVID-19 (Carrier specific questions)Mutual of Omaha (Living Promise)Level
CPAP Machine Use (with oxygen canister)Mutual of Omaha (Living Promise)Level
CPAP Machine Use (without oxygen canister)Mutual of Omaha (Living Promise)Level
Crohn’s DiseaseMutual of Omaha (Living Promise)Level
Current Cancer (excluding basal/squamous cell skin cancer)Royal Arcanum (Graded Benefit)Graded
Declined for other insuranceMutual of Omaha (Living Promise)Level
Defibrillator (under 1 yr/1-2 yrs/over3 yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level
DehydrationMutual of Omaha (Living Promise)Level
Dermatological TreatmentMutual of Omaha (Living Promise)Level
Diabetes (No Complications)Mutual of Omaha (Living Promise)Level
Diabetic Coma (As Long as A1C is not over 10%)Foresters (PlanRight)Level
Diabetic Nephropathy (Kidney)Mutual of Omaha (Living Promise)Graded
Diabetic Neuropathy (Nerve)Royal NeighborsLevel
Diabetic Retinopathy (Eye)Royal NeighborsLevel
DiarrheaMutual of Omaha (Living Promise)Level
DisabilityMutual of Omaha (Living Promise)Level
Ear InfectionMutual of Omaha (Living Promise)Level
EczemaMutual of Omaha (Living Promise)Level
Edema (fluid retention)Mutual of Omaha (Living Promise)Level
EmphysemaCVS (Aetna Accendo)Level
EncephalopathyMutual of Omaha (Living Promise)Level
Enlarged HeartMutual of Omaha (Living Promise)Level
Enlarged ProstateMutual of Omaha (Living Promise)Level
Facial Nerve DisorderMutual of Omaha (Living Promise)Level
FibromyalgiaMutual of Omaha (Living Promise)Level
GallstonesMutual of Omaha (Living Promise)Level
Gastrointestinal InfectionMutual of Omaha (Living Promise)Level
Gaucher’s DiseaseMutual of Omaha (Living Promise)Level
GERD (Acid Reflux)Mutual of Omaha (Living Promise)Level
GlaucomaMutual of Omaha (Living Promise)Level
GonorrheaMutual of Omaha (Living Promise)Level
Grave’s DiseaseMutual of Omaha (Living Promise)Level
Guillain-Barre SyndromeMutual of Omaha (Living Promise)Level
Hashimoto’s DiseaseMutual of Omaha (Living Promise)Level
Heart ArrhythmiaRoyal NeighborsLevel
Heart Attack (Within 1 yr/1-2yrs/over 2yrsMutual of Omaha (Living Promise)/CVS (Aetna Accendo)
/Mutual of Omaha (Living Promise)Graded/Level
Heart BlockageMutual of Omaha (Living Promise)Level
Heart CatheterizationMutual of Omaha (Living Promise)Level
Heart DiseaseCVS (Aetna Accendo)Level
Heart Murmur (Functional)CVS (Aetna Accendo)Level
Heart Murmur (Innocent)Mutual of Omaha (Living Promise)Level
Heart Surgery (under 1 yr/1-2 yrs/over 2yrs)Guarantee Trust Life/CVS (Aetna Accendo)Graded/Level
Heart Valve SurgeryGuarantee Trust Life/CVS (Aetna Accendo)Graded/Level
HeartburnMutual of Omaha (Living Promise)Level
HemophiliaMutual of Omaha (Living Promise)Level
Hemorrhagic StrokeMutual of Omaha (Living Promise)Graded
Hepatitis A (Chronic)Mutual of Omaha (Living Promise)Level
Hepatitis A (Cured)Mutual of Omaha (Living Promise)Level
Hepatitis B (Chronic)Mutual of Omaha (Living Promise)Level
Hepatitis B (Cured)Mutual of Omaha (Living Promise)Level
Hepatitis C (Chronic)Foresters (PlanRight)Level
Hepatitis C (Cured)Foresters (PlanRight)Level
High Blood Pressure (Pulmonary)Mutual of Omaha (Living Promise)Level
Hodgkin’s Lymphoma (Current)Royal Arcanum (Graded Benefit)Graded
Hodgkin’s Lymphoma (Past) (0-24 months/Over 24 months)Royal Arcanum (Graded Benefit)/RNAGraded/Level
Home Health CareRoyal NeighborsLevel
HospitalizationTBDTBD
Huntington’s Disease (If ADL’s/No ADL’s)Royal Arcanum (Graded Benefit)/American Amicable (Senior Choice)Graded/Level
Hypertrophic Cardiomyopathy (within 1yr/1-2 yrs/Over 2yrs)Mutual of Omaha (Living Promise)/CVS (Aetna Accendo)Graded/Level
HyponatremiaMutual of Omaha (Living Promise)Level
Idiopathic thrombocytopenic purpuraMutual of Omaha (Living Promise)Level
Illegal Drug UseRoyal NeighborsLevel
Influenza AMutual of Omaha (Living Promise)Level
InsomniaMutual of Omaha (Living Promise)Level
Intracerebral Hemorrhage (Under 1yr/1-2 yrs/Over 2yrs)GTL/CVS (Aetna Accendo)/MOOGraded/Level
Iron Deficiency AnemiaCVS (Aetna Accendo)Level
Irregular HeartbeatRoyal NeighborsLevel
Irritable Bowel Syndrome (IBS)Mutual of Omaha (Living Promise)Level
Kidney Dialysis (Current treatment/Over 1yr/Over 2yrs)Royal Arcanum (Graded Benefit)/Foresters (PlanRight)
/CVS (Aetna Accendo)Graded/Level
Kidney Disease (Stage 1) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level
Kidney Disease (Stage 2) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level
Kidney Disease (Stage 3) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level
Kidney Disease (Stage 4) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level
Kidney Disease (Stage 5) (Under 2yrs/Over 2yrs)Foresters (PlanRight)/CVS (Aetna Accendo)Level
Kidney FailureForesters (PlanRight)Level
Lambert-Eaton Myasthenic SyndromeMutual of Omaha (Living Promise)Level
Leukemia (Current)Royal Arcanum (Graded Benefit)Graded
Leukemia (Past) (Under 1yr/1-2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)Graded/Level
Liver Disease (Cirrhosis/No cirrhosis)Foresters (PlanRight)
/Mutual of Omaha (Living Promise)Level
Liver FailureForesters (PlanRight)Level
MalariaMutual of Omaha (Living Promise)Level
Male Pattern BaldnessMutual of Omaha (Living Promise)Level
Melanoma (Current)Royal Arcanum (Graded Benefit)Graded
Melanoma (Past) (Under 2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)Graded/Level
MenopauseMutual of Omaha (Living Promise)Level
Mental IncapacityRoyal Arcanum (Graded Benefit)Graded
MigrainesMutual of Omaha (Living Promise)Level
Mitral Valve ProlapseCVS (Aetna Accendo)Level
Mountain SicknessMutual of Omaha (Living Promise)Level
MRSA InfectionMutual of Omaha (Living Promise)Level
Multiple Myeloma (Current)Royal Arcanum (Graded Benefit)Graded
Multiple Myeloma (Past) (Under 2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)/CVS (Aetna Accendo)Graded/Level
Muscle SpasmsMutual of Omaha (Living Promise)Level
Muscular DystrophyMutual of Omaha (Living Promise)Level
Myasthenia GravisMutual of Omaha (Living Promise)Level
Myocarditis (Under 1yr/1-2yrs/Over 2yrs)Royal Arcanum (Graded Benefit)
/CVS (Aetna Accendo)/Mutual of Omaha (Living Promise)Graded/Level
NarcolepsyMutual of Omaha (Living Promise)Level
NauseaMutual of Omaha (Living Promise)Level
Nerve DamageMutual of Omaha (Living Promise)Level
Neuropathy (Non-Diabetic)Mutual of Omaha (Living Promise)Level
Non-Hodgkin’s Lymphoma (Current)Royal Arcanum (Graded Benefit)Graded
Non-Hodgkin’s Lymphoma (Past) (Over 2yrs)CVS (Aetna Accendo)/Royal NeighborsLevel
Ocular PemphigoidMutual of Omaha (Living Promise)Level
Organ Transplant (Awaiting)Royal Arcanum (Graded Benefit)Graded
Organ Transplant (Completed) (Over 2yrs)Prosperity (New Vista)Level
OsteoarthritisMutual of Omaha (Living Promise)Level
Overactive BladderMutual of Omaha (Living Promise)Level
Oxygen (Sleep apnea use only)Mutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred
PacemakerCVS (Aetna AccendoIf implanted within 1 year, Modified, between 1 and 2 years ago, Standard
Paget’s disease of the boneMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred
PainMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred
Pancreatic InsufficiencyMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred
Panic DisorderMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel, Preferred
ParalysisRoyal NeighborsLevel
ParaplegiaGreat WesternPlus
Parkinson’sCVS (Aetna Accendo) Royal ArcanumStandard/Graded
Parole / ProbationMutual of Omaha (Living Promise) CVS Aetna Accendo Royal NeighborsLevel/Preferred
Past Cancer (excluding basal/squamous cell skin cancer)Royal ArcanumGraded
Pending HospitalizationGreat WesternPlus
Pericardial EffusionRoyal NeighborsLevel
Peripheral Artery Disease (PAD)Mutual of Omaha (Living Promise) CVS(Aetna Accendo Royal NeighborsLevel/Preferred
Peripheral Vascular Disease (PVD)Mutual of Omaha (Living Promise) CVS (Aetna AccendoLevel, Preferred
Pernicious anemiaForesters (PlanRight)Preferred
PheochromocytomaCVS (Aetna Accendo) Royal NeighborsPreferred, Level
Plaque PsoriasisMutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred
PneumoniaMutual of Omaha (Living Promise) CVS (Aetna Accendo Royal NeighborsLevel/Preferred
Postpartum HemorrhageMutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred
PregnancyMutual of Omaha (Living Promise) CVS (Aetna AccendoLevel/Preferred
Primary Thyroid DisorderMutual of Omaha (Living Promise CVS (Aetna Accendo Royal NeighborsLevel/Preferred
PsoriasisMutual of Omaha (Living Promise) CVS(Aetna Accendo Royal NeighborsLevel/Preferred
Psoriatic ArthritisMutual of Omaha (Living Promise) CVS(Aetna Accendo Royal NeighborsLevel/Preferred
Pulmonary EmbolismMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred
Pulmonary FibrosisRoyal ArcanumGraded
Pulmonary SarcoidosisMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred
QuadriplegiaRoyal ArcanumGraded
Radiation Therapy (Current)Royal ArcanumGraded
Radiation Therapy (Past)Royal ArcanumGraded
Raynaud’s SyndromeMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred
Rehab Facility (Illness or Injury)CVS (Aetna Accendo)If Currently, Decline
Rehab Facility (Substance Abuse)Foresters (PlanRight)If treated within 2 years, Basic
Respiratory FailureRoyal NeighborsLevel
Rheumatoid ArthritisMutual of Omaha (Living Promise) CVS(Aetna AccendoLevel/Preferred
SchizophreniaCVS (Aetna Accendo)Preferred
SclerodermaCVS (Aetna Accendo)Preferred
Secondary Thyroid DisorderMutual of Omaha (Living Promise)Level
Seizures (lifetime total of one)CVS (Aetna Accendo)Preferred
Seizures (lifetime total of two or more)CVS (Aetna Accendo)Preferred
Sickle Cell AnemiaGreat WesternPlus
Sleep Apnea (not requiring oxygen use)Mutual of Omaha (Living Promise)Level
Sleep Apnea (requiring oxygen use)Mutual of Omaha (Living Promise)Level
Spina BifidaMutual of Omaha (Living Promise)Level
Spinal Cord DisorderCVS (Aetna Accendo)Preferred
Spinal StenosisCVS (Aetna Accendo)Preferred
Squamous cell skin cancerMutual of Omaha (Living Promise)Level
Stem Cell TransplantCVS (Aetna Accendo)Preferred
Stent Placement (Heart or brain)CVS (Aetna Accendo)if placement within 1 year, Modified, 1 and 2 years, Standard
Stent Placement (Other)Mutual of Omaha (Living Promise)Level
Stomach DisorderMutual of Omaha (Living Promise)Level
Suicide AttemptCVS (Aetna Accendo)Preferred
Terminal IllnessNoneDecline
Thoracic aortic aneurysm (Corrected)Mutual of Omaha (Living Promise)Level
Thoracic aortic aneurysm (Not corrected)Mutual of Omaha (Living Promise)Level
ThrombocythemiaCVS (Aetna Accendo)Preferred
ThrombocytopeniaCVS (Aetna Accendo)Preferred
Transient Ischemic Attack (TIA or Mini-Stroke)Royal NeighborsLevel
Ulcerative ColitisMutual of Omaha (Living Promise)Level
Unexplained Weight Loss (greater than 10 pounds)CVS (Aetna Accendo)Preferred
Unexplained Weight Loss (less than 10 pounds)CVS (Aetna Accendo)Preferred
Urinary SpasmMutual of Omaha (Living Promise)Level
WalkerMutual of Omaha (Living Promise)Level
Watchman ImplantMutual of Omaha (Living Promise)If treated within 1 year, Decline. If treated between 1 and 2 years ago, Graded
Wegener’s granulomatosisCVS (Aetna Accendo)Preferred
Wet Macular DegenerationCVS (Aetna Accendo)Preferred
Wheelchair (Confined)Great WesternPlus
Wheelchair (Not Confined)Royal NeighborsLevel
Wilson’s DiseaseMutual of Omaha (Living Promise)Level
Wolff-Parkinson-White SyndromeMutual of Omaha (Living Promise)Level
Out of 249 health impairments, Mutual of Omaha’s Living Promise would give you a level death benefit 137 times. No wonder why they are our Go-To carrier.
They also give level coverage for seniors up to age 85!