Pulmonary Sequestration and Final Expense Insurance Options in 2026

Getting Life Insurance with Pulmonary Sequestration Is Difficult, but Not Impossible

Let’s be straightforward. Pulmonary sequestration is a rare lung condition that makes traditional life insurance very hard to obtain. If you’ve already been turned down by one or more carriers, you’re not alone in that experience, and it doesn’t mean you’re out of options.

Most traditional and simplified issue life insurance products involve health questions or medical underwriting that flag pulmonary conditions. A rare diagnosis like pulmonary sequestration, whether you had surgical treatment or are being monitored, often falls outside the comfort zone of standard underwriting. That’s not a reflection of your worth. It’s simply a product fit issue.

The good news is that guaranteed issue final expense insurance was designed for exactly this situation.

How Guaranteed Issue Final Expense Insurance Works

Guaranteed issue policies are different from any other type of life insurance on the market. Here’s what sets them apart.

• There are no health questions on the application (or only very minimal ones unrelated to your condition).
• There is no medical exam required.
• Acceptance is guaranteed if you fall within the eligible age range, which is typically 45 to 85.
• The entire application process often takes just minutes.

The name says it all. If you apply and meet the basic age requirements, you are approved. Your pulmonary sequestration diagnosis, surgical history, or ongoing monitoring will not be held against you.

What to Expect from Coverage and Cost

Guaranteed issue policies are designed to cover final expenses rather than replace income. That’s an important distinction, and setting realistic expectations upfront helps you make the best decision for your family.

Coverage amounts typically range from $5,000 to $25,000, with some carriers offering up to $50,000. You can sometimes combine policies from different carriers to build a higher total benefit if needed.

The graded benefit period is something every applicant should understand. Most guaranteed issue policies include a waiting period of two to three years. If death occurs from natural causes during that window, the policy returns all premiums paid plus interest (typically around 10%) rather than paying the full death benefit. After that graded period ends, the full face amount is payable. Accidental death is usually covered immediately at the full benefit amount from day one.

Cost reality. Guaranteed issue coverage costs more per dollar of coverage than traditional policies. That’s the tradeoff for guaranteed acceptance with no health screening. To put it in concrete terms, a $15,000 policy might cost between $70 and $100 per month depending on your age. Premiums are locked in once you’re approved and will never increase.

Is it more expensive than a standard policy? Yes. But it’s available to you right now, and that matters more than a cheaper policy you can’t qualify for.

Why an Independent Agency Makes a Difference

Even within guaranteed issue products, there are real differences between carriers. Graded benefit periods vary. Maximum face amounts differ. Monthly premiums can swing significantly from one company to the next. Working with an independent agency means someone compares those options across many carriers on your behalf, rather than offering you a single product from a single company.

At Insurance by Heroes, our agency was founded by a former first responder and military spouse. Every member of our team comes from a background in public service. That “service first” mindset shapes how we treat every person who reaches out to us, regardless of background or health history. We apply the same level of care and dedication to helping you find the right guaranteed issue policy as we would for anyone walking through our door. When you request a quote through our site, we shop many different carriers to find the best fit for your specific situation.

Making the Decision That Protects Your Family

If you’re considering guaranteed issue final expense insurance, here are a few things worth thinking about.

Apply while you can. Your health situation may change over time, and every birthday increases your premium. Locking in a policy now secures coverage at today’s rate.

Think about what expenses you want to cover. Funeral and burial costs, outstanding medical bills, or simply leaving a small financial cushion for your loved ones are all valid reasons to get a policy in place.

Be realistic about what guaranteed issue coverage is and is not. It’s not a large income replacement tool. It is a focused product that gives your family breathing room during one of the hardest moments they’ll face.

Some people hesitate because the premiums feel high. That’s understandable. But consider the alternative. Leaving your family to cover thousands of dollars in final expenses out of pocket is a burden you have the power to prevent right now. Even a modest policy can make a meaningful difference.

Getting a quote costs nothing and takes just a few minutes. It’s one of the simplest steps you can take to make sure your family is protected.

FAQ

Can I get life insurance with pulmonary sequestration?

Yes. Guaranteed issue final expense insurance requires no health questions and no medical exam. Your diagnosis will not prevent you from being approved as long as you meet the age requirements, which are typically 45 to 85.

How much does guaranteed issue life insurance cost?

Costs depend on your age and the amount of coverage you choose. As a general example, a $15,000 policy might run between $70 and $100 per month. Premiums are fixed once your policy is issued.

What is the graded benefit period?

Most guaranteed issue policies have a two to three year waiting period. If natural death occurs during this time, the policy pays back all premiums plus interest rather than the full death benefit. After the graded period, the full benefit amount applies. Accidental death is typically covered at full value from day one.

How much coverage can I get with a guaranteed issue policy?

Most guaranteed issue policies offer between $5,000 and $25,000 in coverage, with some carriers going up to $50,000. You may also be able to combine policies from multiple carriers to reach a higher total amount. An independent agent can help you explore all available options.

Related health conditions

The same guaranteed-issue route to final expense coverage applies to other diagnoses that make traditional underwriting difficult, including Polymyositis final expense insurance, final expense insurance for arteriosclerosis, Pulmonary Valve Stenosis final expense insurance, final expense coverage for pulmonary nodule and Pulmonary Embolism final expense insurance.