# Does final expense insurance require a medical exam?

> **Direct answer.** No — final expense insurance does not require a medical exam; simplified-issue policies ask health questions with no exam, and guaranteed-issue policies ask no health questions at all.

There are two mainstream underwriting paths in this product category, and neither uses a paramedical exam. Simplified-issue policies rely on a short application questionnaire and third-party database checks (prescription history, MIB) to decide. Guaranteed-issue policies waive the health questions entirely in exchange for a two-year graded death benefit.
Full underwriting with an exam is rare for final expense because the face amounts are modest — the cost of a paramedical visit is disproportionate to a $10,000–$25,000 policy. If a carrier does ask for records, it is usually a targeted database review, not an in-person exam.

## People also ask
### What does the insurer check besides my answers?

Typically prescription-history databases and the MIB (Medical Information Bureau), which flags previous insurance applications and undisclosed conditions.

## Sources
- National Association of Insurance Commissioners — [NAIC — Consumer resources & state insurance regulator directory](https://content.naic.org/consumer)

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- Author / Reviewed by: Jason Burns, Editorial Steward — https://finalexpensedirectanswers.com/steward
- Published: 2026-07-24
- Modified: 2026-07-24
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