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What Is Burial Insurance?



Burial insurance also referred to as final expense insurance, funeral insurance, cremation insurance, or end of life insurance is a type of specialized life insurance coverage that is generally purchased by individuals to help protect their families and loved ones from the high cost of a funeral, burial, cremation and other miscellaneous final expenses.

These final expense plans are typically made up of whole life insurance, offer permanent coverage, have smaller face amounts (death benefits) between $5,000 – $25,000, and feature simplified-issue underwriting; which simply means that you do not have to take a health exam or answer a bunch of medical questions to apply.

These insurance policies also feature premiums that never increase, death benefits that do not decrease, and cash value accumulation accounts that increase overtime as your premiums are paid.

Although burial insurance policies are usually purchased to cover one’s final expenses, they can also be used to provide extra funds for other purposes as well.

Things like:

  • Outstanding Medical bills
  • Probate fees & Attorney bills
  • Unpaid loans & Credit cards
  • Replacement Income for a surviving spouse
  • Financial gifts to family members & loved ones
  • Mortgage and/or Rent payments
  • Charitable donations


How Burial Insurance Can Benefits You!…



Permanent Whole Life Burial Insurance

Permanent Protection

Enjoy a lifetime of “whole life” protection that can provide you with “peace of mind” and eliminate the worry of you ever outliving your coverage.

“Locked-In” Benefits

The burial insurance plans that we offer, provides you with “premiums that never increase” and “coverage that won’t decrease”.

Locked In Whole Life Burial Insurance Benefits
Up To $50,000 Cash Value Whole Life Insurance

Access To Cash Value

With whole life insurance burial plans, your policy builds “equity” or cash value that you have access to and can use in times of need.

No Medical Exams

Just a few simple yes/no health questions are all that’s required, and in many cases, you can have a decision within a matter of minutes and be on your way!

No Medical Exam Burial Insurance

FAQ

Frequently Asked Burial Insurance Questions

According to the National Funeral Directors Association, the average cost of a funeral in the United States ranges anywhere between $8,000 to $10,000. This price generally covers all of the basics like:

  • Basic Services Fee
  • Use of funeral home facilities & staff
  • Transportation of the body
  • Casket
  • Embalming & Cosmetic preparation of the body
  • Burial Plot
  • Opening & Closing of the grave

The above price range may differ considerably of course, based on the funeral home and cemetery, the products & services selected, and the part of the country where the funeral service and burial take place.

You should also keep in mind, that the average prices listed above may not include such things as:

  • Burial clothing
  • Burial vault/grave liner
  • Funeral reception / Repass
  • Flowers & Reaves
  • Obituaries
  • Headstone / Grave marker
  • Transfer of the body to a distant state.

The average cost of a direct cremation, without an urn or traditional funeral service for the viewing of the body, costs around $1,100 according to the cremation research council.

Of course, this price can vary greatly, depending on the choice of crematory that’s used, and the part of the country and/or city that the cremation takes place in.

Most people typically use burial insurance to cover the funeral, burial, and other final expenses of a family member or loved one.

However, you may also take out a burial / final expense insurance policy for the purpose of leaving a financial gift behind to a loved one or charity, to pay off debts, or for spousal support.

The death benefit from these types of insurance plans, like with any other life insurance policy, can generally be used for any purpose whatsoever without restriction.

There is no major difference between regular or standard life insurance and burial insurance, other than the smaller face amounts, and easier and faster underwriting.

As mentioned earlier, burial insurance plans typically offer plans with death benefits that range from $5,000 to $25,000; while traditional whole life insurance policies generally start at around 25,000 and can have upper limits that can reach into the millions of dollars.

Also, most burial insurance policies tend to be whole life insurance, whereas regular life insurance can be whole life, term life, or universal life insurance plans.

When it comes to the cost of burial insurance, as with any other type of life insurance, the price will usually be based on your age, sex, health, and whether or not you smoke or use tobacco.

Prices can also vary greatly based on the amount of coverage that you are applying for, and the insurance company that you are applying for coverage with.

Therefore, it is always advisable, to get a personalized quote from an experienced licensed professional or agency that represents more than one company, and as a result, can shop around for the best policy to meet your needs and budget.

In most cases, the best burial insurance for seniors (or anyone for that matter) is burial insurance plan that consists of whole life insurance.

This is because, unlike term life insurance, whole life insurance policies offer permanent coverage that does not terminate once you reach a certain age.

Whole life insurance also provides you with “locked-in” benefits such as premiums that never increase, death benefits that do not decrease, and cash value accumulation.

This cash value increases over the years, and you can use it to receive cash when it’s needed.

The short answer to this question is yes.

Most life insurance companies deem anyone that has what is called an “insurable interest” as being eligible to take out coverage on another individual.

In most cases, this ability is limited to close family members, such as parents, legal guardians, children, grandparents, grandchildren, and spouses.

The answer is yes.

While burial insurance is essentially nothing more than a fancy name for a specialized type of whole life insurance, that features smaller face amounts, and that is used primarily to cover one’s final expenses.

There are a few plans on the market today that do not consist of “whole life insurance”, but rather, are either “term life insurance” or “universal life insurance”.

With most term life burial insurance plans, the premiums are not “locked-in” and generally increase every 5 years.

There’s also no cash value accumulation, and coverage is not permanent, due to the fact that they usually terminate when you hit a certain age (ex: age 80 ).

The universal life versions, on the other hand, are very similar to whole life insurance burial plans, in that they do offer “cash value accumulation” and are typically “designed” to provide permanent coverage along with “locked-in” premiums.

However, if the market, which they are based on, underperforms, you could potentially see a rise in your premiums and a premature termination of your policy if you are unable to pay the increase.


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