AARP is designed to empower and guide Americans as they age. AARP’s policy is guaranteed acceptance, meaning no one who’s eligible can be turned down for coverage, regardless of any pre-existing health conditions. There’s no medical exam or health questionnaire required. The primary condition you need to meet to qualify is being an AARP member aged 50 to 80.

Globe Life may fit the bill if you’re looking for a bargain on a burial insurance policy. You can buy your first month of coverage for just $1. After that, monthly premiums are available as low as $3.49. Burial expense coverage is available in amounts ranging from $5,000 to $50,000. There’s no waiting period since you’re buying the policy direct and no medical or health exam.

If you’re anticipating having a smaller funeral or opting for cremation, you may not need $50,000 or even $25,000 in burial insurance. Mutual of Omaha offers smaller burial insurance policies, with coverage starting as low as $2,000. This is a guaranteed whole life insurance policy offered to individuals aged 45 to 85. 

AIG Direct’s Guaranteed Issue Whole Life policy is designed to help with final expenses while also covering you for chronic and terminal illness. If you’re diagnosed with a chronic illness that keeps you from going about your daily routine as usual, AIG will return all your premiums paid up to 25 percent of the policy’s face value. If you’re diagnosed with a terminal illness, AIG allows you to access 50 percent of your death benefit amount while you’re alive to help pay for medical care or other expenses.