Should I Buy Burial Insurance for My Parents?

you should buy insurance for your parents as a gift

Burial insurance is an excellent way to plan ahead and greatly reduces the financial burden burial can cause. Burials can be expensive, and there may be more costs associated with them than you realize. Buying burial insurance for your parents can provide you with the peace of mind that comes from knowing you’re prepared and can provide them with the burial they desire. Let’s go over some things you should keep in mind when selecting a burial insurance policy.

Is Burial Insurance Important?

Many don’t realize how expensive burials and funerals can be. A funeral and burial can cost thousands of dollars, which is an expense that not everyone is prepared for. Purchasing burial insurance for your parents is a way to ensure that they’ll have the service they want, and won’t put a financial strain on you.

What If We Don’t Use the Full Death Benefit?

Some policies will offer a death benefit higher than others. If the burial doesn’t use the full death benefit, the beneficiary can use those extra funds for other costs. Those costs can include the medical bills of the deceased or any debt that they had remaining. This feature of burial insurance is incredibly beneficial.  Being able to use leftover funds can provide financial relief and ensures that the entire policy will be used, regardless of how much the burial costs. 

Being specific about how money should be spent is important. If purchasing a burial policy for yourself, keep in mind a few things. Telling your loved ones how you would like the death benefit to be spent can relieve pressure on them and is one less decision that they’ll need to make. Sharing your wishes can make a difficult time slightly easier, so be clear about what you want and make that known. Don’t be afraid to be specific and clear, outlining each desired component.

Purchasing for Your Parents

Purchasing burial insurance for your parents can be incredibly difficult. One of the things that can make the process slightly easier is to work with an insurance provider that understands the need for burial insurance. At Final Expense Direct, we’re here to provide support and help you select the best insurance policy for your loved ones. We know the importance of burial insurance and can answer any questions you may have about the enrollment process. Call 1-877-674-0236 to speak with a life insurance agent!


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