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Burial Insurance | Final Expense Insurance | Funeral Insurance

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Life Insurance

Burial Insurance | Final Expense Insurance | Funeral Insurance

Burial Insurance | Final Expense Insurance | Funeral Insurance

Burial Insurance | Final Expense Insurance | Funeral Insurance

Final expense insurance, burial insurance, and funeral insurance plans are designed to help ease the financial strain that often accompanies a death, whether it’s an expected death, or an unexpected death.

Final expense insurance, burial insurance and funeral insurance plans offer a cost-effective means to pay for one’s final expense details. Proceeds from a final expense insurance, burial insurance, or funeral insurance policy, can also be used to provide the necessary money to pay off any of your final debts; mortgage payments, credit card debt, car loans, or used as income replacement while your family is in a transition period.

Final expense insurance, burial insurance and funeral insurance plans are especially important if there is only one source of income for the entire family, or a family with little or no savings.

Let’s talk about funeral burial expenses for a moment.

It’s not always a pretty subject to discuss, but one everybody will face at one time or another in their life.  Doesn’t matter if you’re going to be buried or cremated, there will be final expenses involved.  Commonly, a funeral or cremation can range from $5,000 to $12,000 and can create a significant burden on your loved ones.

This is exactly the reason that burial insurance, final expense insurance and funeral insurance products were developed. To deal with the financial difficulties that often accompanies such life changing events. Funeral insurance, final expense insurance or burial insurance plans are simply forms of life insurance. These life insurance policies can be sold as a term life insurance product, or the most preferred manner, as a whole life insurance product.

It’s possible to obtain final expense insurance, burial insurance, or funeral insurance even if you had or are currently suffering from cancer, diabetes, heart disease, or any other chronic medical condition. With a guaranteed issue funeral insurance policy, you can’t be turned down for coverage, your insurance rates will never increase, and your death benefits will never decrease. Of course, this assumes your policy payments will be maintained current.

Remember, burial insurance, funeral insurance, and final expense insurance policies, can be purchased as a whole life insurance product, or as a term life insurance product.

Coverage is available up to the age of 85 years old; a few life insurance companies are even insuring people older than 85 years of age now.  

A whole life insurance plan is just like the name sounds, it’s a life insurance plan designed to protect you, and your family for your entire life. A whole life final expense policy can also build cash value which may be borrowed against in the future. Yes, a final expense insurance policy can even be used as a financial tool while the insured is still alive.

Whole life burial insurance policies can be sold as a guaranteed issue policy, with no medical questions, blood tests or Doctor’s exams required. As a simplified issue life insurance policy, where you will have to answer a series of medical questions, but usually are not subjected to a doctor’s office visit or laboratory work, or as a fully medical underwritten plan subjected to usually both a doctor’s visit, and medical laboratory work.

A fully underwritten final expense insurance policy will be the least expensive type of coverage to purchase. A guaranteed issue burial insurance plan will be the most expensive type of coverage to purchase. And a simplified issue funeral insurance policy will fall somewhere in the middle.  

Final expense insurance sold as a term life insurance plan is usually designed for protection for a set amount of years. A 20 year term life insurance policy for example. A burial insurance plan sold as a term life policy usually builds no cash value, and expires at the end of the 20 year term. This type of life insurance coverage is usually the most affordable; however, you receive no cash value at the end of the life insurance policy, unless you have purchased a return of premium rider. This will add to the cost of the life insurance, but at the end of the policy, you receive all of your premiums paid during the 20 years.

Now you have a little better understanding about how final expense insurance, burial insurance and funeral insurance policies work. Why not receive your free quote today?