re: What is the best kind of insurance to get for a 67 yr old male

The prudent advice is for the ensured to make his policy payable to the family or funeral home directly, in the event this is his burial nest egg.

To the OP, depending on a 3-5 year medical history, critical/catastrophic illness is the best policy. Perhaps a term life but that's about as good as a burial award given his age and payout vs premium. But at his age, it's reduced and age banded. For anyone else reading, these policies are very cheap in your 40's. Well worth the time as men have a >50% CI rate these days. Much better than begging in a go fund me.

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One of you best to fess being the phony insurance salesperson

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We are both agents I have no doubt, but we have differing views based on the companies we represent

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You’re confusing owner with payor

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Nope. The Owner is the party to the contract and must have an insurable interest. If you have anything that states otherwise, please post it. You can redact company info, etc.
The OP can be a Payor, or a beneficiary, but not the Owner if insurable interest doesn’t exist.

I’m not arguing that at all. The OP says his friend is going to get a life insurance policy and he is going to be both payor and beneficiary. There is nothing wrong with that with many final expense insurers. At least not in the states I do business in.

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So find a local company and be honest? He thinks he has cancer but i think he will make 2 years. Can you explain the underwriting part and what i have to do

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Find a local agent who isn’t with a named agency like State Farm. Captive agents can only sell products within the company’s product offering. Independent agents have a lot more tools in their belt to write different cases.

Does he have a cancer diagnosis or is he waiting on pending test results? If no to both of those, you should act quickly BEFORE something cancer related shows up on his medical records.

Underwriting means the insurance company will ask certain health related questions on the application, then once received, it will run medical history and prescription checks. Once done, the company will either offer a product, modify the benefit, or decline coverage altogether. He should not lie in underwriting, but he should only answer “yes” to questions for things he’s received a proper medical diagnosis for, not things he thinks he might have.

Even with health conditions, finding immediate coverage isn’t impossible, but it becomes more difficult — it just depends on the diagnosis, medications prescribed, and what kind of doctor writes the script.