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Burial Insurance Plan

The process of buying a burial insurance plan is a rather simple procedure. The hardest part of buying a burial insurance plan is making sure we get the largest amount of death benefit insurance possible, for the least amount of insurance premiums paid. Everybody wants to get the best value for their hard earned money, so why should buying a burial insurance plan be any different?

You have your choice of two different types of life insurance products to choose from when you buy a burial insurance plan. You can buy either a term life insurance policy, or you can purchase a whole life insurance policy. There is a third option called universal life insurance, but that is really another form of whole life insurance only with some more flexible options, so for the purpose of this description we will use the definitions, term insurance, and whole life insurance.

One of the first things you will need to determine before you purchase a burial insurance plan is how long you will need this coverage to be effective. Now there are several factors at work here. Many will depend on where you are at in your stage of your life, and what kind of financial responsibilities you have. I will add here that term insurance will always be your cheapest option; however, more than likely whole life insurance will be the option that makes the most sense to purchase. While it may cost more, the whole life insurance is designed for protection for your and your family for your entire natural life, whereas, term insurance will only be effective for a set number of years.

Another benefit of whole life insurance is the ability to borrow against the cash value of the policy down the road, while term life insurance doesn’t offer this option unless you pay extra for it, then you’re just that much closer to the cost of a whole life insurance policy, so you might as well purchase the whole life burial insurance plan.

Now, within the two different types of life insurance, you have the ability to purchase this coverage in one of three ways. A fully underwritten plan, this will always be the cheapest way to purchase life insurance, whether it’s a term life plan or a whole life plan, this means you will be required to obtain a medical physical, and possibly be subject to laboratory tests. If you select a fully underwritten play, usually the burial insurance company will arrange for a visiting nurse to come to your home to do the evaluation. If you don’t feel comfortable with this procedure, you more than likely can use your own Doctor, however, this will be at your expense.

The second way you can purchase your burial insurance plan is called a simplified issue plan. With this type of policy, you will be required to answer a medical questionnaire; these can vary from 20 questions to 50 questions, and based on those answers and your current health, a premium for that policy will be established. While this option is less expensive than a full underwritten plan, the total amount of death benefit insurance may be limited.

Your third option is called a guaranteed issue policy. This type of burial insurance plan is just like it sounds, you are guaranteed to be issued a policy. If you are unfortunate to have been diagnosed with cancer, or you are suffering from any form of a terminal illness, you will still be able to obtain this type of burial insurance plan. This whole life policy does not require you to take a physical, and you will not be subjected to any laboratory testing, plus you won’t have to answer a single health question.

Many people opt for this type of burial insurance plan, either because they have current medical conditions which prohibit them from receiving any other type of life insurance coverage, or they don’t want to be bothered with any Doctor’s physicals or have to answer any medical questionnaires. However, there will be a two year waiting period before the death benefit becomes collectible.

If a guaranteed issue policy is the only burial insurance plan you can qualify for due to your health and in the event that you should pass away before your death benefit becomes payable, your beneficiaries will receive not only 100% of the premium dollars you have paid to date, but they will also receive a set amount of interest on those premium dollars. The rate of interest will vary from state to state.

Why not start the quoting process right now, and receive multiple fast and free quotes from several of the leading life insurance companies in the business. Get your free quote today; you could possibly have your coverage by tomorrow.