Final Expense Store
Burial Insurance | Final Expense Insurance | Funeral Insurance
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Life Insurance
Funeral Home Insurance
Funeral home insurance is a form of life insurance that can be either a term life insurance product or a whole life insurance product that is purchased with the intent of using the proceeds to pay for one’s final burial expenses.
Depending upon the financial situation of the individual or their family these funeral home insurance policies can be purchased with either enough death benefit coverage for a simple funeral, or with enough face value to help your family survive financially as they struggle with their loss.
These final expense insurance policies can be purchased with as little as $3,000.00 in death benefits, or up to as much as $50,000 in death benefit insurance coverage. Some funeral home insurance policies can be purchased with little or no medical questions asked, while others will require both a medical questionnaire to be filled out, and or, a Doctor’s physical and laboratory work preformed before a life insurance policy will be issued. Usually the greater amount of death benefit you wish to purchase, the greater the requirements will be to purchase that life insurance policy.
Funeral home insurance proceeds can be used to pay for any and all final expenses that you may leave behind. In fact, the proceeds of your funeral home insurance policy can, unless specifically directed by you in writing, be used by the beneficiary for any purpose they deem necessary.
Funeral home insurance has many different uses as a financial tool. Your family or loved ones that survive you will more than likely needs these funds to assist them in your absence. This is even more important if you are the only working member of the household and the sole source of income to your family.
Burial insurance, final expense insurance and death benefit insurance are other names that funeral home insurance may be referred to by other individuals, or insurance companies. They are all basically the same form of whole life, or term life insurance products designed to provide enough funds for a proper burial, and the retirement any final debts. Some good examples of these debts may include such items as mortgage loans, credit card balances, car payments, student loans, and estate taxes.
We would recommend that you purchase your funeral home insurance as a whole life insurance policy, rather than as a term life insurance product. Both types of funeral home insurance have their proper uses, and given the correct circumstances each can be used effectively.
The main difference between a whole life and a term life insurance policy is that a whole life policy is designed to provide you and your family protection for your entire natural life. Where as, a term life insurance policy will only offer protection for a set amount of time, say 10, 15, or 20 years. A whole life policy will also build cash value that could be borrowed against in the future if the need arises, and with term life insurance there is no accumulation of cash value, unless you purchase a return of premium rider with your term life insurance policy.
Currently the Federal government only provides a death benefit of $255.00. So unless you have enough personal savings in the bank, or are willing to rely on the generosity of other family members to help with your final expenses, the purchasing of a funeral home insurance policy to cover the basic needs of a burial just makes good practical sense. You can purchase a guaranteed issue funeral home insurance policy, meaning no medical questions, or Doctor’s visits, and be able to receive your life insurance coverage in as little as 24 hours.
Our funeral home insurance quotes are always fast and free. We treat every client with the utmost in respect and we are very customer service orientated. In fact, the entire process can easily be completed over the telephone, so no life insurance agent will ever show up at your door, unless of course you feel you would prefer that type of customer service, then we will be more than happy to have one of our local licensed agents visit you in your home, at your convenience. Simply fill out one of our free quote forms today, and you could possibly have your funeral home insurance policy in place by tomorrow.
Buying funeral home insurance just makes good sense.