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Why Burial Insurance?

No health questions or Medical Exam

Rates starting as little as $4.90 a month

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Burial Insurance – What is it and do I need it?

Burial Insurance—also called Final Expense Insurance or Funeral Insurance—covers the cost of your funeral and burial or cremation. These terms are just retailing expressions: All refer to a type of whole life insurance that provides a payout of $2,000 to $50,000 designed not to support your survivors but to spare them the burden of your post-death expenses, especially if your estate can’t cover the cost.
For example, if you have a $15,000 burial insurance policy and funeral expenses came in at $10,000, your beneficiary might choose to use the additional funds to pay for other final expenses such as outstanding medical bills, legal costs, or any other outstanding debts you may owe.

Types of
Final Expense Insurance

Simplified Issue:

Simplified issue is considered the best type of permanent insurance for people who deal with minor health issues and may not qualify for traditional plans. Instead of a medical exam, applicants answer a health questionnaire as part of the approval process.
Simplified issue is also generally the most affordable type of final expense insurance and offers higher coverage amounts than other no-exam policies.

Guaranteed Issue:

Guaranteed issue works best for people with serious health conditions who aren’t able to qualify for any other type of insurance.
This plan is quick to issue with no medical exam, health questions, or any other health requirements. Because the risk is higher, these plans generally offer lower coverage amounts and you may pay significantly more for your coverage than a simplified issue plan.

What about Premiums
and Medical Exams?

With final expense insurance, you will not be subject to a medical exam, nor will your medical records be accessed. However, you do need to answer some health-related questions, and as a result, not everyone will qualify for this type of insurance.

Premiums for final expense insurance are based on criteria like your health and age, similar to other life insurance policies. If allowed by state law, gender can also impact premiums since men have a shorter average life expectancy than women. Rates will be higher for those who are older and suffer from additional health-related issues. Some policies also charge higher premiums for those who use tobacco products.

Is There an
Age Requirement?

Some companies have an age minimum and maximum, like 40 and 85, respectively, at the time you apply for coverage. Other companies issue final expense insurance to anyone from birth onward. Your benefit amount is typically tied to your age the older you are at the time of application, the smaller your maximum death benefit might be.

The younger you are when you apply, the larger your maximum benefit can be. Some, for example, might be able to get a policy with a payout of up to $50,000 if under the age of 55 but might only be able to get a policy of $25,000 when over the age of 75. Still, some insurances will offer the same death benefit options to all applicants, regardless of age.

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