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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 insurance plans are typically made up of whole life coverage, 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.
You can easily gain access to this cash value in times of need via policies loans or if you ever decide to surrender your policy.
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.
- 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