Can I purchase a Funeral Insurance policy without taking any medical examination? That depends on your age. There are guaranteed approval funeral insurance plans available for people who meet the age requirements of the insurance carrier offering the coverage. For example, one highly-rated insurer offers guaranteed funeral coverage for people age 45-85. With guaranteed funeral insurance you cannot be denied coverage if you meet the age requirement. There's no health exam and no health questions asked, it's easy to get insured. You select the amount of coverage you need and apply for a policy. You may be able to get up to $25,000 of funeral coverage.