Protect Your Parents, Spouse, and Family Members From Funeral Debt. Quick Approval. No Medical Exam.
The average funeral costs $7,500-$12,000. Without burial insurance, your family faces an impossible choice: go into debt, skip important funeral services, or drain savings.
Burial insurance is a simple way to protect the people you love. You purchase a policy on their behalf, and when they pass, the death benefit goes to you or another beneficiary to cover costs. No financial burden. No difficult decisions during grief.
Many adult children buy burial insurance for aging parents. It's a loving way to ensure their final wishes are honored without burdening yourself financially.
Many parents have minimal or no life insurance. Burial insurance fills this gap specifically for funeral costs.
Without insurance, you may need to pay funeral costs yourself or divide the expense among siblings. Burial insurance prevents financial strain.
With burial insurance in place, you can afford to honor their funeral wishes—whether that's a traditional service, burial location, or cremation preference.
Knowing final expenses are covered lets you focus on grieving and celebrating their life rather than worrying about money.
Even though the policy is for your parent, they need to be part of the application. Here's the process:
Spouses often buy burial insurance for each other. This ensures that if one passes, the other isn't burdened with funeral debt. Monthly costs are typically $40-$100 depending on age and health.
Adult grandchildren sometimes purchase burial insurance for aging grandparents. This protects their parents from unexpected funeral costs and honors their grandparents' legacy.
Siblings may share burial insurance costs for an aging parent or elderly relative. This distributes financial responsibility and ensures everyone can contribute appropriately.
In rare cases, parents buy burial insurance for adult children (for any reason). This is less common but absolutely allowed.
Here are realistic examples of monthly costs when buying burial insurance for parents:
Coverage Amount: $15,000
Monthly Cost: $65-$80/month
Annual Cost: $780-$960
Over 10 Years: $7,800-$9,600
Benefit: $15,000 (tax-free)
Coverage Amount: $15,000
Monthly Cost: $95-$130/month
Annual Cost: $1,140-$1,560
Over 10 Years: $11,400-$15,600
Benefit: $15,000 (tax-free)
Have an honest conversation with your parent (or loved one) about burial insurance. Explain that you want to help cover funeral costs and protect them. Most people appreciate this thoughtfulness.
Your parent answers health questions about their medical conditions, medications, and recent doctor visits. You can help them gather this information. Be honest—the insurance company verifies everything.
No medical exam. The insurance company reviews the information and makes a decision within 24 hours.
You're named as the beneficiary, and you'll pay the monthly premiums. When your parent passes, you receive the death benefit.
Coverage begins. You have peace of mind knowing funeral costs are covered.
Yes. Your parent (or loved one) must consent and answer health questions. You cannot buy burial insurance for someone without their knowledge.
Most people still qualify. 95%+ approval rate even with serious conditions. Rates may be higher, but approval is likely.
Yes. You can pay the monthly premiums on their behalf. Many families do this.
If there's a waiting period and death is from a pre-existing condition, the beneficiary receives back the premiums paid. Accidents are always fully covered.
Yes. At any point, they can cancel. You'll lose coverage, but if they cancel within 30 days, they get a full refund of premiums.
Buying burial insurance for your parents or family members is one of the most loving, responsible things you can do. No medical exam. Approved in 24 hours.
Questions? Call our agents: (503) 333-1788