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Funeral Insurance Policy

What exactly is a funeral insurance policy? Basically, a funeral insurance policy is any life insurance policy purchased where the proceeds are intended to be used for one’s funeral and burial expenses. They can be purchased either as a whole life insurance policy, or as a term life insurance policy.

A funeral insurance policy can be purchased in one of three ways. As a guaranteed issue funeral insurance policy, a simplified issue funeral insurance policy, or a fully medically underwritten funeral life insurance policy.

A guaranteed issue funeral insurance policy is just that. It means you are guaranteed to be issued coverage. For the most part, there are little or no health questions asked of the insured. The downside to a guaranteed issue funeral insurance policy is the premiums are higher than with a simplified issue funeral insurance policy, and there is usually a waiting period before the benefits begin.

A one to two year waiting period is common, before your guaranteed issue funeral insurance policy would pay a death benefit payment. What if the insured should die before the benefit period begins? Most State laws dictate that a return of premiums paid will take place, meaning all the premiums that have been paid on the funeral insurance policy to date will be returned, usually bearing a small interest rate of 5% to 15%.

A simplified issue funeral insurance policy is one that asks a series of health related questions, and based on the answers of the insured to the questions, a premium rate for that funeral insurance policy is established. There is usually no physical, or Doctor’s visit involved in this type of funeral insurance policy. Do keep in mind that there can be a doctor’s visit involved with a simplified issue funeral insurance policy, it depends on the answers to your health questions, but not often.

The premium is usually less with a simplified issue funeral insurance policy than if you purchased a guaranteed issue funeral policy, however, the premiums on your simplified issue funeral insurance policy will always be higher than if you purchased a medically underwritten funeral insurance policy. Coverage with this type of policy can be issued in as little as 24 to 48 hours after your application for the funeral insurance policy is accepted.

A fully medically underwritten funeral insurance policy will always be the most affordable in terms of price, however, a Doctor’s visit, and lab work will always be required on this type of policy.