If you’ve been told you can’t get covered — or you got rated up to a number you can’t justify — this is exactly why we built our independent final expense brokerage. Health conditions that look like a decline at one carrier are often a standard-rate approval at another. The trick is knowing where to send the application.
High-Risk Coverage
Declined or Rated Up? We Find the Carriers Who Still Say Yes
Coverage for people declined or rated up for health reasons. Carriers view the same condition very differently — we find the ones who approve you.
Last updated
- Carrier-shopping for diabetes, COPD, cancer history, heart disease, and multiple medications
- Re-placement after a decline or rating at another carrier
- Honest assessment of simplified issue vs guaranteed issue for your situation
★ 4.9 (200+ Reviews) · 11+ Years Experience · Multiple A-Rated Carriers · No Obligation · Coverage from $50/mo
Sound familiar?
Why People Come to Us for High-Risk Coverage
You Were Declined and Don't Know What to Do Next
A decline at one carrier feels like the end. It often isn't. Carriers underwrite the same conditions very differently.
Your Condition Keeps Coming Up as a Problem
Diabetes, COPD, cancer history, heart disease. One carrier's automatic decline is another carrier's standard-rate approval.
You're Being Steered Toward Guaranteed Issue by Default
When health is complex, some agents jump straight to the most expensive option. We try simplified issue first, always.
You Don't Know Which Carriers Will Actually Say Yes
That knowledge comes from placing these policies for over a decade across dozens of carriers. We put it to work for you.
Our entire reason for existing is helping people who've been told 'no.' A diabetes diagnosis, COPD, a cancer history, or a heart condition can get you declined or rated up by one carrier and approved at standard rates by another — for the exact same condition. That gap in underwriting is where an independent agent who shops multiple carriers makes the biggest difference. A decline at one company is not a decline everywhere. We connect you with licensed agents who know which carriers tend to be lenient on diabetics, which ones to consider for COPD, and which to avoid after a cancer diagnosis — knowledge that comes from over a decade of actually placing these policies.
What High-Risk Coverage Coverage Includes
Carrier-shopping for diabetes, COPD, cancer history, heart disease, and multiple medications
Re-placement after a decline or rating at another carrier
Honest assessment of simplified issue vs guaranteed issue for your situation
Access to multiple A-rated carriers, not one company's underwriting
Built on 11+ years of direct underwriting experience
Free, no-obligation comparison — no cold calls, no pressure
Typical Pricing
Typical High-Risk Coverage Premium Ranges
Typically $50–$200
per month (varies by condition, age, and carrier)
Actual rates depend on age, health, tobacco use, and which carrier the policy is placed with. A licensed agent can shop A-rated carriers to find your real best rate. No cost, no obligation.
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Why independent matters
Why Buyers Choose Independent Over Captive for High-Risk Coverage
Real Underwriting Knowledge
Our content is written by someone who actually placed these policies for over a decade, not scraped from carrier brochures.
Independent — Not Captive
Agents shop multiple A-rated carriers (Mutual of Omaha, Aflac, Aetna, American Amicable, Americo, TruStage), not one company's products.
Honest Recommendations
We'll tell you when a popular option is a bad deal. Guaranteed issue is a last resort, not a starting point. That's the kind of honesty this space is missing.
No Cost, No Obligation
Free to use. We earn a referral fee from the licensed agent, never from you. No cold calls, no high-pressure follow-up.
How it works
How to Get High-Risk Coverage Coverage in 4 Steps
1
Submit a quote request
Age, state, coverage amount, a few health details. Two minutes, no medical exam.
2
We match you to a licensed agent
An independent agent who can shop multiple A-rated carriers for your situation.
3
Compare real quotes
You see honest rates side by side, with an explanation of which fits best. Not a sales pitch.
4
Place coverage on your schedule
When you're ready, the agent walks the application through. Premiums lock in for life.
See if you qualify — takes about two minutes.
Free quote, no obligation, no cold calls. Licensed agents shop multiple A-rated carriers.
Real customers
What Customers Say After Getting Covered
★★★★★
"I have Type 2 diabetes and high blood pressure, and a couple of places made it sound impossible. They walked me through it honestly and got me matched with a carrier that approved me at a good rate. Such a relief for my kids."
James M.
Houston, TX
Questions
Common Questions About High-Risk / Hard-to-Place Burial Insurance
I was declined at another company. Can I still get covered?
Almost always, yes. A decline at one carrier is not a decline everywhere. Different carriers underwrite the same conditions very differently — one company might decline you for a diabetes diagnosis while another approves you at standard rates. And if simplified issue isn't possible anywhere, guaranteed issue still offers 100% acceptance for ages 50–85.
Which conditions do you place most often?
Type 2 diabetes (controlled and insulin-dependent), COPD, cancer history beyond the lookback window, heart attack and stent/bypass history once stable, high blood pressure, and combinations of multiple medications. We work with agents who specifically know which carriers are most lenient on each condition.
Do you do the underwriting yourselves?
No — we're an educational resource and marketplace. When you submit a quote request, we connect you with a licensed independent agent who handles the application and shopping. They have direct access to carrier underwriting and can match your specific health profile to the carrier most likely to approve you at the best rate.
What if my health is too severe for simplified issue anywhere?
Guaranteed issue is the realistic path. It approves everyone aged 50–85 with no health questions, in exchange for a two- to three-year graded benefit period. We'll tell you honestly when that's the right call — and when it's worth trying simplified issue first.
Will I have to do a medical exam?
No. Most final expense placements (including hard-to-place cases) use simplified issue, which means a short health questionnaire — no doctor visit, no blood work, no needles. Guaranteed issue skips even the questionnaire.
Go Deeper
Guides on High-Risk Coverage
Burial Insurance After a Cancer Diagnosis or History
How time since treatment changes options after cancer: look-back windows, treatment vs remission, which carriers to avoid and which to consider.
Burial Insurance for Diabetics: Which Carriers Approve You
Controlled or insulin-dependent diabetes? Approval exists. How carriers view A1C and medications, and why one declines while another approves.
Declined for Life Insurance? What to Do Next
A decline at one carrier isn't a decline everywhere. Common decline reasons, how to read your denial, and the independent broker re-shop process.
Final Expense Insurance With Heart Disease or a Heart Attack History
Heart attack, stent, or bypass history? How recent cardiac events affect underwriting, carriers lenient on stable heart conditions.
Life Insurance With COPD or Breathing Conditions
Have COPD or use oxygen? Your real options: how severity and oxygen use affect placement, lenient simplified-issue carriers, and when guaranteed becomes realistic.
Rated Up by One Carrier? Why an Independent Broker Can Find a Better Class
Got an offer but suspect you can do better? What a rating/table is, how the same applicant lands in different classes across carriers.
Related Coverage
Guaranteed Issue Life Insurance
100% acceptance coverage for ages 50-85 with no health questions and no exam — the fallback when you can't qualify for simplified issue.
Read more →Simplified Issue (No Exam) Life Insurance
Skip the medical exam. Answer a short health questionnaire and, if you qualify, get full coverage from day one — the best value for manageable conditions.
Read more →Ready to See Your Real Options?
Get matched with a licensed agent who shops multiple A-rated carriers for your situation. Free, no obligation, no medical exam.