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Written by Kim Wilhelm
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Burial insurance is a small whole life insurance policy made specifically to cover funeral and end-of-life expenses for seniors. These plans typically start around age 50. Your coverage may vary based on your age and health when you apply.
At Final Expense Direct, we specialize in burial insurance, making us a reliable source for covering your end-of-life expenses. Our licensed and caring agents can help you find a plan that fits your situation and budget.
What Is Burial Insurance for Seniors?
Burial life insurance covers funeral expenses and other small debts. These policies allow your loved ones to pay for your funeral if you don't have money saved for your end-of-life expenses. It is a permanent life insurance policy, so it covers you your whole life as long as you continue to pay the fixed premiums. This is different than term life insurance, which ends after a certain number of years.
This insurance type offers easy approval. You only need to answer a few health questions and don't need to take a medical exam. Seniors can even get approved the same day.
Coverage for this insurance typically ranges from $3,000 to $35,000 and can be used to pay for burial, cremation, funeral services, medical bills, headstones and other expenses. The amount paid depends on the type of policy.
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How Burial Insurance Works
A burial insurance policy for seniors involves a contract between the policyholder and the life insurance company. The policyholder pays a premium and receives a death benefit when they pass away. This benefit goes to whomever the policyholder chooses to be the beneficiary.
At the end of your life, the beneficiary will fill out a claim form and provide your death certificate. Upon receipt, the insurance company will process the claim and forward the funds to the beneficiary or the funeral home.
Burial Insurance Planning Considerations
When choosing burial insurance for seniors, you should consider multiple companies and their offerings. You will receive the best options when you speak with a licensed agent. Other factors to consider include:
- Premiums: Your premiums may vary based on your age, health and the plan you choose. Look at your options to find an affordable rate.
- Coverage: Anticipate your final expenses as much as you can. Most policies cover costs like your medical fees, casket, funeral and burial, so work with your agent to determine how much coverage you want to leave to your loved ones.
- Beneficiary: As you set up your final expense insurance policy, you must choose a beneficiary to manage the money.
A Must Read: The Best Final Expense Insurance Companies
- Will the premiums ever increase?
- Will the policy terminate at any age?
- Will the coverage ever decrease in value?
- Is there a waiting period for non-accidental death
If you’re working with another insurance company or agency, and they answer “Yes” to any of these questions, give us a call at Final Expense Direct. We’ll work with you to get you covered with no surprises—now or in the future!
Burial Insurance vs. Final Expense Insurance
Burial and final expense insurance are both whole life insurance, just under different names. You may also hear the term “funeral insurance."
Whatever you think final expense costs...
It's probably less.
No money down • No medical exam
Why Trust Us for Burial Insurance?
Since 1984, Final Expense Direct has been providing affordable protection that meets customers' needs. Thousands of positive reviews demonstrate our commitment to excellence in final expense insurance. We were also the first company to provide policies directly to customers over the phone beginning in 2007.
Reach out to Final Expense Direct
Give your family the gift of peace of mind with burial insurance for seniors from Final Expense Direct. Call us about our services.
