No, you will not be required to complete a medical exam. Most policies are approved and issued the same day.
Just a simple health questionnaire and database check and you will be on your way!
Underwriting is much simpler than a traditional life insurance policy because of the smaller death benefit amounts. Final Expense policies typically will have fewer than fifteen medical questions and never require a medical exam.
Most carriers will issue an approval on the spot.
In fact, with many carriers, you can complete the application process entirely over the phone, and the insurance company will approve the policy by the end of the phone call!
Simple underwriting, no medical exam, and quick approval. Final expense insurance is a practical solution for those in need of a smaller amount of life insurance coverage.