Can I get final expense insurance without a medical exam in Nevada?

Yes. Most final expense policies in Nevada are available without a traditional medical exam, which is one of their primary appeals for older adults or those with health conditions. Two underwriting approaches are common: simplified issue and guaranteed issue.

Simplified issue policies ask a series of health questions—typically 10 to 20—and may review your prescription history or Medical Information Bureau (MIB) records. Approval or denial is based on your answers without a physical exam. Premiums are higher than medically underwritten policies but lower than guaranteed issue.

Guaranteed issue (also called guaranteed acceptance) policies ask no health questions at all. Anyone within the eligible age range—typically 50 to 85—is approved. Premiums are the highest of the three underwriting tiers. Most guaranteed issue policies include a graded death benefit: if you die within the first two to three years of the policy, beneficiaries receive returned premiums plus interest rather than the full death benefit. After the graded period, the full benefit is paid.

For applicants with manageable health conditions, simplified issue often provides a better value than guaranteed issue. Agents in our network can help you identify which carriers offer the most favorable terms given your health history, without requiring a full exam.