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Funeral Expense Insurance

If we dropped dead today, where would the money come from for to pay for your final expense coverage? The fact is, even in death, we might not be able to pay for our own funeral expense with outright cash. And for that reason, funeral expense insurance is what we need. Now you might be saying to yourself, I already have life insurance for my family, what do I need this for? Well unlike regular life insurance, funeral expense insurance is readily available right after you pass away. It is designed to cover your funeral expenses so your family members do not have to wait painstakingly for the funds to be delivered. Life insurance can leave a huge amount of money, but the death benefit payment might not be received in time for the funeral of the insured.

Usually, people 40 to 80 years old are good candidates for funeral expense insurance. As mentioned earlier, the benefits are given at the time the insured dies, not a few months later. It differs from life insurance in another aspect, if you have a life threatening sickness, or you are simply older, you won’t be turned down for final expense coverage. Many low cost burial insurance plans don’t require health physicals or blood tests and certainly have liberal age limit requirements. This is because a burial insurance plan has a low face value with benefits amounts that are much lower than regular life insurance. Think of funeral expense insurance as fast cash for that time in your life. Most funeral expense plans offer $15k to $40k in death benefit insurance and many have very low monthly payments.  

What are some of the things to consider in choosing the right funeral expense insurance? First thing to consider is make sure you are getting access to free final expense quotes. We will always provide you with a free final expense insurance quote. Second, make sure you are dealing with a licensed final expense agent from national burial insurance company. We provide that for you as well. All of our final expense agents are licensed, and we only work with the best of the final expense insurance companies in the industry.

Typically, a funeral expense insurance policy will have level premiums, and can only be canceled for a lack of premium payment, or fraudulent information submitted on the policy application. You might also want to consider the type of payment schedule they offer. Many funeral insurance companies will allow monthly, quarterly, or annual payments.

Remember to ask questions of your final expense agent and make sure you understand the burial insurance policy before you commit to your purchase. We want you to know and understand your rights and obligations, as well as the rights and obligations of the burial insurance company.

One last thing, there are three different ways you can purchase a funeral expense insurance policy. Each type of burial insurance plan will provide the same type of coverage; it’s just the manner in which the final expense plan is issued. Your options include; a guaranteed issue plan, this is the type of final expense policy you will have to purchase if you suffer from many health related issues, it’s the most expensive way to purchase coverage, but you are guaranteed a policy and there is a one or two year waiting period before the death benefit begins. A simplified issue plan will ask you a series of medical questions, and based on your answers, a policy premium will be established, usually with no death benefit waiting period. And finally a medically underwritten plan, this is the least expensive way to purchase a funeral expense insurance policy, however, you will only qualify if you are in good physical health, and willing to participate in both a doctors’ physical, and be subjected to laboratory testing.

Remember, funeral expense insurance is not for you, it’s for the loved ones that you will leave behind.