«The understanding of death and dying as seen by different religions»





Burial Life Insurance, or Final Expense, policies have three important characteristics:

1. The life insurance coverage is permanent

2. Life insurance premiums never change

3. The life insurance policy accumulates cash value

A Burial Insurance or Final Expense life insurance policy assures you coverage for the rest of your life. A Burial Insurance and Final Expense policy also gives those you leave behind the freedom and flexibility to pay the remaining expenses and debts that may be outstanding. This makes a Burial Insurance and Final Expense policy different from a burial protection policy exclusively covering burial costs. Burial Insurance and Final Expense polices allow you to choose the coverage amount appropriate for your circumstances. You can tailor the policy to your personal needs. Burial Insurance and Final Expense policies are simplified issue meaning there is a short application and no medical exam.

Burial expenses range between $5 and $10000

These funeral expenses include:

Burial Insurance Cemetary plot
Burial Insurance Casket
Burial Insurance Headstone
Burial Insurance Funeral Service
Burial Insurance Visitation/Viewing
Burial Insurance Minister
Burial Insurance Hearse

Additional costs are often associated with the death of an individual:

Burial Insurance Legal Fees
Burial Insurance


Burial Insurance

Doctor Bill

Burial Insurance

Pay off debts like mortgage, car, credit cards

Burial Insurance Legal costs at death (probate, taxes, etc.)


Burial Insurance
Ages 40-85
(funeral insurance or final expenses)

Most seniors can usually qualify and afford our low cost burial insurance plans!!

Guaranteed rates and benefits.

In most cases, $5,000-$15,000 is plenty for burial. Why buy more??
Burial insurance - Peace of mind for your future.
       Peace of mind.

At any time you can begin your multiple, no hassle Quotes by filling in the box to the far right. Servicing all 50 states, ages 40-85, we can help!

Burial Life Insurance



Burial Insurance

The average cost of a funeral is easily $6,500. Why burden your heirs when you can cover the cost with an easy to obtain whole life policy. From $3,000 to $50,000 in coverage without a medical exam. Coverage is guaranteed for life. It will never be reduced or canceled because of age, health or occupation. Best of all there is no medical exam required.


Life and Burial InsuranceBy Mark Scherzer, Esq.
October 20, 2004


Why Buy Life Insurance?

Life and Burial Insurance


  1. Life insurance allows you to leave money to someone after you die.


    • This can help support a loved one after you die or pay off outstanding bills so that your family is not left with a financial burden.


  2. Life insurance policies may pay you some benefits while you are still alive.


    • These "accelerated benefits" can be paid if you become so sick that you are likely to die within a short period of time.


    • It may also be possible to sell the policy to someone who will give you money now in order to get the death benefit when you die (this is called a "viatical settlement").


How Can You Get Life Insurance?


  1. The easiest way to get life insurance is to take a job where insurance is part of your benefits. This is known as "group life insurance."

    Many big employers offer a basic amount of life insurance. Sometimes you can choose to buy more just by signing up and agreeing to have money taken from your paycheck. Sometimes you will have to answer questions about your health. If you are HIV positive, they can refuse to give you extra insurance, but in many cases you can get at least the basic insurance without any questions.

    If you have life insurance as part of your job, you can usually take it with you ("convert" it) by paying the insurance company directly when you stop working.

    To make sure you get the insurance, you should sign up for it as soon as you can. If you do not sign up within the first 30 days or if you do not ask to take the group insurance with you within the first 30 days after you stop working, you may lose your chance.

    Tip: Look in your employee handbook or the "summary plan description" to see what rights you have to group insurance. If in doubt, ask your human resources person.


  2. If you cannot get insurance through work, some insurance companies will sell you an individual policy. For most life insurance, the company can ask you questions about your health, look at your medical records, have you examined and even take a blood sample. Most companies will not sell you a policy if you are HIV positive, and lying is not recommended.

    There are some companies that will sell you a policy, even if they know you are HIV positive. One company that is licensed in most states is Guarantee Trust Life Insurance Company. They sell life insurance to HIV-positive people under certain conditions.

    To find this type of life insurance coverage, ask an insurance broker for a referral to a "special risk" or "impaired risk" broker in your state. These brokers may also be able to sell you other coverage with no questions asked, but policies sold without any questions usually will not pay any benefits if you die in the first few years.


Why Buy Burial Insurance?


  1. Burial insurance also pays money to someone you name when you die, but it is to cover the cost of your burial. Burial insurance is usually sold in smaller amounts than life insurance (between $5,000 and $25,000).


  2. Some burial policies also have "accelerated benefits" that can be paid if you become so sick that you are likely to die within a short period of time.


How Can You Get Burial Insurance?

You can buy burial insurance through a broker or directly from an insurance company. Burial insurance, sometimes called "pre-need" insurance, is easier to get than regular life insurance, but usually costs more for the same amount of benefit.

Some burial insurance companies ask lots of questions about your health, others have just a few questions and others ask no questions at all. The greater the amount of the benefit, the more questions are likely to be asked. If they are willing to sell with no questions asked or knowing that you are HIV positive, the policy may not pay any benefits if you should die in the first couple of years.

Premiums for insurance that you get without questions asked are usually more expensive than premiums for regular insurance. But if you want this coverage, you can search for it online, through special risk brokers or by asking the Insurance Commission in the state where you live for a list of the companies selling burial insurance.

Mark Scherzer is an attorney in private practice in New York City who advocates for the insurance rights of consumers.

Burial Insurance-What Is It and Do I Need It?

It's not cheap to die. Funeral homes, headstones, cremation and all of the things associated with death are often considered morbid cost money-and can cost more than you think. The following is helpful information about burial insurance and how it can help you afford your final expenses:

What is "burial insurance"?
Burial insurance usually refers to a "Whole Life" insurance policy with a death benefit that typically ranges from $5,000 to $25,000.

Why buy burial insurance?
People buy burial insurance to cover burial and funeral costs for themselves. A burial policy can cover the burial costs of one person or an entire family.

Funeral and burial costs can be very expensive. Acquiring a burial insurance policy can help determine how much you will need to pay for a funeral. In addition, certain types of burial insurance may help "lock in" costs at today's prices.

What kind of expenses does it cover?
Some funeral expenses that burial insurance may cover include:

  1. Casket or urn
  2. Cost of cremation
  3. Cost of embalming
  4. Headstone
  5. Hearse or other vehicles needed for your service
  6. Digging and filling the grave
  7. Flowers
  8. Cost of the plot

If I have life insurance do I need burial insurance?
Many people do not factor funeral and burial costs when calculating their family's need for life insurance. Similarly, many people do not intend for their beneficiaries to use life insurance to cover burial expenses.

Burial insurance is a great option for someone who does not want their beneficiaries to dip into funds from a life insurance policy to cover costly funeral and burial expenses.

When should I purchase burial insurance?
Similar to life insurance, burial insurance is cheaper when purchased at a younger age. Although it may not be fun to think about, the time for you to buy burial insurance is today.