We Shop ALL Burial Insurance Companies For You!

What is Burial Insurance?
Burial Insurance is a whole life insurance policy that has a guaranteed premium till age 121 that you can use towards burial costs.

In 2012, the average cost of a funeral and burial was about $10,000.  That doesn't include the cost for a gravesite or memorial marker.  Social Security provides only around $250 for burial benefits.

Advantages of Burial Life Insurance
No Cancellations or Benefit Reductions.  Just pay your premiums on time and the insurance company cannot cancel your final expense insurance coverage under any circumstances. 

They will never reduce your benefits due to your age or any health issues that arise. 

Tax-Free Benefits.  Your beneficiary will receive all benefits from your insurance policy free from federal income tax.

Without Burial/Final Expense Insurance, your loved ones could be facing bills they simply cannot afford to pay.  When it comes to finding the right coverage, we're here to help make it easy.  As long as premiums are paid on time, policies guarantee cash benefits between $2,000-$50,000.

There Are 3 Ways These Policies Are Underwritten:

1.  Simplified Underwriting
No medical exam required, just an application and some companies do a 10 minute phone interview.  You can have minor health conditions, but no major health conditions.  Policies are generally issued within 1-4 weeks.  Lowest cost.

2.  Simplified Underwriting (Graded Policy)
No medical exam required.  The policy is graded, meaning the death benefit is partially payable the first and second year.  For an example, if someone was issued a graded life insurance policy and passed away the first year, most companies will pay out 20% or give you back your premiums plus 5-20%.  If someone passed away the 2nd year, the policy would pay out around 70% or give you back all your premium plus 5-20% depending on the company.  The full death benefit is paid the 3rd year on.

3.  Simplified Underwriting (Guaranteed Issue)
The only difference between these types of policies and #3 is: They are issued immediately as long as you are not in a nursing home or terminally ill and the premiums are a little more.  No exam required and the easiest to be approved for. This type of policy is commonly advertised on television and should only be used when someone cannot qualify for the other types of policies.  The policy is graded, meaning the death benefit is partially payable the first and second year.  For an example, if someone was issued a graded life insurance policy and passed away the first year, most companies will pay out 20% or give you back your premiums plus 5-20%.  If someone passed away the 2nd year, the policy would pay out around 70% or give you back all your premium plus 5-20% depending on the company.  The full death benefit is paid the 3rd year on.