Looking for a Burial Policy: Where to Begin

Burial policies are one of the best ways to take care of important final expenses. When looking for a policy that’s right for you, here are 5 steps you can take to get started.

Step 1: What is Burial Insurance? Do I Need it?

Before seriously considering burial insurance, you first need to understand what it is and how it works. Burial insurance, often referred to as final expense, offers policies ranging anywhere from $2,000 to $50,000 depending on your goals, budget, and the provider’s options. 

This money is referred to as a death benefit and is issued to chosen beneficiaries upon the policyholder’s death. This money can then be used for anything you would like covered, such as funeral arrangements, medical bills, credit card payments, etc. 

Most people plan to have some sort of funeral service, even if they want to be cremated. Very few people, however, want to think about it and plan it ahead of time. Paying for things after you’re gone seems like an unnecessary hassle—but, this way, the burden is relieved from your loved ones to plan and pay for things themselves. 

No, it’s not pleasant to talk about, but it is priceless to have that peace of mind. If that sounds like something you are interested in, burial insurance may be right for you, and you can look forward to the next step.

Step 2: Consider Potential Eligibility

The next step is to determine whether or not you are eligible for coverage. The good news? Pretty much everyone is eligible for a final expense policy, even if you have a chronic or preexisting condition.

There are two plans to consider—guaranteed and simplified issue. Guaranteed issue costs more, but is available to older and poor-health individuals. Simplified issue costs less and serves those without serious medical concerns. 

So you have some options. When looking for a burial policy, consider which type of policy you can apply to, and how it affects your budget.

Step 3: Figure Out What You Want to Use it On

If you see yourself with a burial insurance policy, your next step should be to decide what you want to use it for. This will help you choose a policy that best fits your needs. This may require making arrangements with a funeral home now—that way, you know the base price you would like to set your death benefit. Then, if you would also like to cover any other expenses, you can plan for those as well.

Step 4: Find a Good Insurance Company

Finally, with all of these goals in mind, you can search for a good company to work with. Not all insurance companies are the same and finding the one that matches you best is important. 

Also, costs will vary between providers—as you venture further into the purchasing process, you can also compare quotes to find the best available option.

Step 5: Call Final Expense Direct

Working with a company like Final Expense Direct means good service and finding you a final expense policy you’re satisfied with. To get started, give us a call at 1-877-674-0236.

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Products and services are provided exclusively by the providers. Descriptions are for informational purposes only and subject to change. Insurance plans may not be available in all states. By submitting your phone number, you are giving Final Expense Direct permission to communicate with you via phone call, automatically-sent text message, and/or email.

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