Reasons Why You Need Burial Insurance Over Life Insurance

Kim Wilhelm CEO of Final Expense Direct Life Insurance
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Written by Kim Wilhelm

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Last Updated 06 Jun 2023

Life insurance and burial insurance are both important and valuable resources. However, they have some very distinct differences.

Traditional life Insurance covers a broad range of expenses in the event of death whereas burial insurance is a type of life insurance designed strictly for seniors to cover funeral and burial costs only.

In this article, we look at the difference between burial insurance and life insurance, as well as try to understand some of the reasons why if you’re a senior, you should seriously consider burial insurance over life insurance.  


The Difference Between Burial Insurance and Life Insurance

There are 3 main differences between burial insurance and life insurance: 


Simply put, burial insurance is a small whole life insurance policy designed for seniors. It offers smaller death benefits to cover your funeral, and other end-of-life expenses when you pass. 

On the other hand, A traditional life insurance policy, will offer a larger death benefits that is meant to pay off mortgages, replace income, or even cover retirement.  


The other difference between burial and life insurance is affordability. Burial insurance policies are much more affordable than a traditional life insurance policy. 


With burial insurance, you will never be denied coverage. You will always get approved. With traditional life insurance, you can be denied coverage based on your health status or what a medical exam reports. 

Reasons Why You Need Burial Insurance Over Life Insurance

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Now that we have discussed the main differences between burial insurance and life insurance, it’s time to go over the features of burial insurance. 

Some of the key features of burial insurance include:

Small Coverage Amount

Since burial insurance is designed strictly for end-of-life expenses, the coverage amount is typically lower - while some policies can go up to $40,000, most seniors secure a plan with a death benefit between $3,000 and $25,000 depending on their specific end-of-life needs. Keep in mind, the average funeral alone is $9,000 as of 2023. 

Simplified Underwriting

The application process is usually simple, with limited medical questions and no medical exams required. At Final Expense Direct, the approval and application process is done entirely over the phone. There is no medical exam and no in-person meetings.

Guaranteed Acceptance

Some policies may offer guaranteed acceptance, meaning that anyone can purchase coverage regardless of their health condition.

Premiums That Never Increase

The premium amount remains the same throughout the policy term, regardless of the policyholder's age or health condition.

Coverage for Immediate Expenses

There are certain types of burial insurance that provide immediate coverage, meaning the death benefit is paid out to the designated beneficiary as soon as the policy is in force.


Burial insurance is portable, meaning the policy can be taken with the policyholder from one place to another, regardless of their location.

Final Expense Coverage

The death benefit can be used to pay for funeral and burial expenses, as well as other final expenses such as medical bills and debts.

No Medical Exams Required

With burial insurance, there are no medical exams needed to be approved or receive a policy. 

On the other hand, a traditional life insurance policy will require you to take a medical exam to get approved. 

This means if you have any pre-existing health conditions, you can be denied coverage and therefore will not get the benefits that come with a policy.  

Peace of Mind 

Peace of mind is one of the most common reasons people get burial insurance. 

Burial insurance provides peace of mind for you and your loved ones by covering the costs associated with funeral and burial expenses, so your loved ones won't have to bear the financial burden.

Fixed Rates

Burial insurance plans have fixed rates. The price you pay today is locked in as long as you maintain your premium payments.

Steps to Receive Burial Insurance 

If you’re wondering how you can get burial insurance, here is how you can apply and get same-day approval now:  

Determine Your Coverage Needs

Determine how much coverage you need to pay for your funeral and burial expenses, as well as any other final expenses.

Research Different Policies and Companies 

Shop around to compare policies and insurance companies. 

At Final Expense Direct, we work with all of the top companies so that we are able to do the shopping for you.

If you’d like to use our online tool to see plans and rates that you qualify for, click here to compare rates.

Complete the Application

Most burial insurance companies require you meet in person, face-to-face to get approved for a policy. At Final Expense Direct, you can get approved over the phone in minutes!  

You can either call us directly or schedule a call now.


Burial insurance is a great way to help your loved ones avoid financial burdens after your passing. It's important to note that the coverage provided by this type of policy isn't as comprehensive as life insurance. 

However, burial insurance still provides some peace of mind knowing that your family won't have to spend money on funeral costs.

If you're looking for more information about burial insurance policies or any other type of coverage, please speak to us today. 


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