Get answers to common questions about burial insurance
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Burial insurance is a type of final expense insurance designed to cover funeral and burial costs ($5,000-$25,000). It offers quick approval with no medical exam and fixed rates for life.
Burial insurance is ideal for anyone who wants to protect their family from unexpected funeral costs. It's especially valuable for seniors, people with pre-existing health conditions, and anyone over age 50.
Monthly costs vary from $12-$180+ depending on age, health, and coverage amount. A typical 65-year-old might pay $50-$70/month for $15,000 coverage. Exact pricing is determined after your application.
Yes! We provide burial insurance nationwide through our licensed partner agents. Coverage is available in all 50 states with nationwide appointment authority.
Yes! Many people buy burial insurance for parents, spouses, or other family members. The person being insured must consent and answer health questions, but you pay the premiums and receive the death benefit.
Burial insurance covers funeral home services, casket or cremation, transportation, and flowers. The exact coverage depends on your plan amount. Leftover money goes to your beneficiary for other expenses.
Higher coverage amounts allow more comprehensive funeral services. $10K covers basic cremation. $15K covers a traditional funeral. $20K and $25K include premium options and leave a cushion for unexpected costs.
Yes! Many of our plans allow coverage increases after the initial approval period. Contact your agent to discuss options for your situation.
Most policies have a waiting period of 2 years for death from pre-existing conditions. However, accidents are covered immediately. Ask your agent about specific waiting period details.
Any leftover money goes directly to your beneficiary. There's no "use it or lose it" requirement. Your family can use any extra funds for grief counseling, travel, or other needs.
Most applications are approved within 24 hours. Some approvals happen within just a few hours. You'll hear back quickly - no lengthy waiting period like traditional life insurance.
No! We don't require any medical exam. You answer some health questions online or by phone, and that's it. No doctors, no blood tests, no hassle.
Yes! We approve 95%+ of applicants regardless of health conditions. Whether you have diabetes, heart disease, cancer, or other conditions, you can likely qualify. No medical exam means no surprises.
Just basic information: your age, coverage amount, state, and answers to a few health questions. The whole process takes about 10-15 minutes. You can apply online or by phone.
It's rare, but theoretically possible. With our high approval rates (95%+), most people qualify. If denied, we'll explain why and discuss options with you.
Most people set up automatic monthly payments (bank account or credit card). You can also pay quarterly, semi-annually, or annually if you prefer. Automatic payment is easy and ensures you never miss a payment.
You have a grace period (usually 30-60 days) to make up a missed payment before the policy lapses. Just contact your agent right away if you miss a payment.
Yes, at any time. You have a 30-day money-back guarantee after approval. If you cancel within 30 days, you get a full refund. After that, you can cancel anytime, but you'll lose coverage.
When you pass away, your beneficiary simply calls our company or the funeral home with the policy details. We send the death benefit directly to them or the funeral home. The process usually takes a few business days.
No! Your rates are locked in for life. You'll pay the same monthly amount at age 65 that you pay at age 85. This is one of the biggest benefits of getting burial insurance early.
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