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Life Insurance

Burial Life Insurance

Burial life insurance is a form of life insurance, to be more exact, it is usually sold as a whole life insurance policy.

Burial life insurance is also known by many other names; Funeral Expense Insurance, Final Expense Insurance, Senior Life Insurance, Preneed Insurance. These policies basically all serve the same purpose, to provide the funding for your burial or final expenses.

The proceeds or death benefit from these types of burial life insurance policies can be designed to provide not only the necessary amount of money needed to pay for one’s final expenses; they can also be tailored to provide extra money that can be used to pay off any existing debit the insured may leave behind.

Estate taxes, mortgage loans, credit card balances, these are just some of the many different uses for the excess money that can be created through the use of a burial life insurance policy. It’s hard enough to think about leaving your family, friends and loved ones behind, it’s becomes even more difficult when begin to realize you will also be leaving them saddled with some of your personal debt.

The amount of burial life insurance you may need will depend on what you wish to accomplish with the money from the death benefit. If you have no outstanding debt and simply wish for enough funds for a proper burial, this can be accomplished with a burial life insurance policy value of $7,500 to $10,000.

A $10,000 burial life insurance policy should, depending on the extent of the funeral plans that have been made, produce enough money for a proper burial, as well as provide a few thousand dollars left over to help with any transitional costs. Any excess funds left over from the burial expenses, are free to be used in any manner as the beneficiary may see fit.

Burial life insurance policies can be issued in many cases up to the age of 90 years old, however, at this age your life insurance coverage options may be somewhat limited by the number of burial life insurance companies willing to write this type of policy.

Another great feature of a burial life insurance policy is the ease in which one can become insured for this type of policy. Many of these funeral expense policies are sold in what is called a guaranteed issue form of coverage, meaning that you won’t be turned down for coverage due to health issues.

The ability of person, who suffers from some form of a chronic medical condition, such as, cancer, stroke, heart disease, or diabetes, to obtain a life insurance policy, is what makes the guaranteed issue final expense policy so attractive.

With a guaranteed issue burial life insurance policy, there are no medical exams required, and no health questions will be asked. All that is needed is for the insured to have the ability to maintain the policy payments in good standing.

In some cases, an entire family will often spilt the cost of the burial life insurance policy among themselves to help provide the necessary money needed to make the premium payments and provide a proper burial for a family member or loved one. In extreme cases where there are no funds available to make policy payments, some have even turned to their local church for these funds, and in return, gift the balance of the policy, if there is any funds left over from the burial, back to the church.

Assuming the proposed insured doesn’t suffer from any chronic medical conditions, they may also be eligible for a Modified Issue policy, or in the case of good general health, may even qualify for a Fully Underwritten burial life insurance policy.

These types of policies will have a greater amount of health questions asked, and may even require the insured to under go a physical examination, however, in exchange for these conditions; the policy premium amounts will be lower, and the amount of death benefits you may receive should be higher. These policies will usually allow a death benefit of $25,000 to $50,000.

Not sure what type of policy you will qualify for, or how much of a death benefit you will need? Not a problem, that’s what we do for a living everyday. We will provide you with fast, free, no obligation, quotes from many of the top life insurance carriers available.

By providing you with multiple free burial life insurance quotes, this will ensure that you are getting the most competitively priced burial life insurance policy that is available. You can start your online quote right now, and possibly have your burial life insurance policy in force coverage by tomorrow.

Burial Life Insurance

Burial Life Insurance