Frequently Asked Questions About Burial Insurance

Q: What does burial insurance do?

A: Burial insurance is a form of term life insurance that provides the policy holder with a pre-determined amount of money upon their death.  Burial insurance is designed to be a low-cost alternative to life insurance that is easier to qualify for and carries cheaper monthly premiums.  Burial insurance policies are designed to cover the major costs of funeral services and products.  Learn more about burial insurance and how it works.

Q: What is funeral insurance?

A: Funeral insurance is the same thing as burial insurance.  It is a different name for the exact same product and is also often referred to as final expense insurance.

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Q: Why is a burial insurance necessary?

A: Burial insurance is necessary if you do not have any other form of life insurance.  Because burial insurance is such an affordable alternative to term or whole life insurance, it is a great choice for those who cannot afford life insurance or who have been turned down for a life insurance policy.  Similarly, with the average cost of a funeral totaling over $7,000 in 2012, many people cannot afford a proper burial.  Burial insurance helps alleviate the high cost of passing.

Q: How much burial insurance do I need?

A: The value of your policy will vary depending on the type of funeral service you anticipate having.  Some buyers take out modest policies and have small, simple services.  Others expect to have a much larger and grander service that will cost much more.  Larger policies have a larger monthly premium but give more money to the beneficiaries when the policy is paid out.  Learn more about funeral costs and find out how much burial insurance you need.

Q: Why do you offer burial insurance and life insurance quotes?  What is the difference?

A: BurialInsurance.org specializes in offering quotes to all kinds of life insurance.  Our expertise is delivering custom life insurance policy quotes to customers.  Burial insurance is a unique form of life insurance, and we offer a wide range of life insurance policy quotes.

Q: Do I have to use my burial insurance benefits on funeral expenses?

A: Once the holder of a burial insurance policy passes away, his or her beneficiaries may use the funds in any way they desire.  Funds are most commonly used to pay for funeral related services and products, but can be applied to the cost of debts, loans, vacation costs, or any other expense or bill.

Q: How do you apply for burial insurance? Is it a difficult process?

A: There are two ways to go about applying for a final expense quote:  1. Once you have decided on a company to purchase a policy from, simply contact them and receive a quote on a policy that fits your needs.  2. Fill out our free quote form.  Once you have finished, we will help you build a custom policy that fits your needs and provide you with a no-obligation quote.  We will also help you compare rates between companies to save you time and hassle.  Once you have decided on the best policy for your needs, you can decide if you would like to move forward and purchase burial insurance or not.  We have made the process as easy as possible.

Q: Do funeral insurance premiums change?

A: Once you have purchased a burial insurance policy, your premiums will remain the same until it is paid out.  Policies and premiums are issued based on your current age and health and will not change or increase as you get older or if you get sick or injured.  There are certain payout restrictions, however, and if you pass away before a certain amount of time you may not receive 100% of your policy.  You can view payout limitations here.

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Q: Is it possible to cancel a burial insurance policy?

A: Once you purchase a burial insurance policy the only way to cancel is to stop paying your premiums.  A policy holder may also cancel if their policy is found to be fraudulent.  Should the policy holder fail to pay premiums, the policy will become void and the policy holder will not be entitled to a refund of paid monthly premiums.

Q: How do I determine which company is best?

A: Each final expense insurance company will be able to offer different policy options at a different price point.  The best way to determine which company will best fit your needs is to fill out our quote form and have each company help you craft a custom funeral insurance policy.  They will then be able to prepare a free quote and you can decide which plan offers the best coverage and cost for your needs.

Q: Will a funeral home allow me to pay for their services with my burial insurance policy?

A: A burial insurance policy payout will cover any expenses incurred once the policy holder passes away.  Because a burial insurance policy is a cash-based policy, the policy beneficiaries receive a cash payment that can be used to pay for any expenses.  There are no limitations or restrictions to what items can be purchased or paid for with the funds from a burial insurance payout.

Q: Can I get burial insurance if I am sick or have health issues?

A: Burial insurance policies are built to help those with non-terminal illnesses get coverage.  Because of this, it is much easier to get a burial insurance policy than it is to get life insurance, but there are still certain health issues that might disqualify a potential candidate and prevent them from getting a policy.  Burial insurance is a form of no medical exam health insurance, which means that there are no invasive health screenings or tests required to purchase a policy.

Q: How much does a final expense insurance policy cost?

A: Rates for a final expense insurance policy will vary depending on many factors, but mainly your age, current health, location, and policy size.  If you have a family history of heart disease, stroke, or are a smoker, heavy user or alcohol, or are at risk for health issues, it might be more difficult to obtain a burial insurance policy, and will drive the cost of the monthly premiums up.  If you are young and have no history of poor health and are not a risk, your premiums will be much lower.  Many insurance companies will not issues burial insurance policies to people over the age of 85, and the closer you get to this age the higher your premiums will be.  The best way to find out exactly how much a personalized policy will cost is to fill out our form and speak to an insurance professional.

Q: How long does a burial insurance policy last?

A: A burial insurance policy will cover you until you pass away.  Once you pass away, your beneficiaries will receive a cash payout of the amount of your policy, which can be used to pay for your funeral, pay for debts, cover other expenses, or be used as an inheritance.  A burial insurance policy will not expire and can only be cancelled if you stop paying your monthly premiums.

Q: How do I find a policy in my area?

A: To find a policy in your area, fill out our form to receive a free quote and to compare available policies in your area.

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