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WHAT EXACTLY IS A BURIAL INSURANCE POLICY / FINAL EXPENSE INSURANCE POLICY?

 

Burial Insurance and Final Expense Insurance are phrases used to describe a Permanent Whole Life Insurance Policy that usually starts around $5,000 and can go up to $50,000 for ages 50 – 89.  Any money left over after paying the funeral cost and other final expenses will be a gift to your loved ones.

 

Burial Insurance is also referred to as Simplified Life Insurance because the underwriting is simple which makes it easier for seniors to get approved for coverage.  This helps people with most health conditions still be able to qualify for coverage, giving them peace of mind knowing that there won’t be any expenses left to their family.  In fact, here are a few examples of health conditions that you can get approved for burial insurance / final expense policies:

Even though you may be able to qualify for coverage while having health conditions, there can be a wide range of the monthly premiums depending on each insurance company.  Insurance companies have their own rules that will affect your eligibility and your rates.  This is where our expertise can really help you find the burial / final expense insurance policy that will give the best rates.

 

There are also policies for people who have too many serious health conditions and do not qualify for an immediate coverage final expense insurance policy – these policies are called Guaranteed Issue Policies.  The Guaranteed Issue Policies do not have any health questions or medical underwriting at all – they are guaranteed to be approved, but usually have a 2 year waiting period.  This type of policy can be a blessing for those who have serious health issues, but can be costly if you don’t know which companies have better rates for this type of policy.  

 

We understand guaranteed issue policies are necessary for certain serious health conditions, but most of the time we are able to find our clients immediate final expense insurance coverage.  We have even helped clients who came to us for a policy review (with a guaranteed issued policy) not only save money, but find them immediate day one coverage.     

 

Since we are specialists in burial insurance / final expense / funeral insurance policies, we are able to help you find the best company for you usually with immediate coverage while saving you money.  That is our mission, and it’s truly a joy to be able to help others in this way.  

 

 

There are many reasons people buy burial type insurance policies, but the main reason is they care about their family and don’t want to leave a burden of funeral cost and other final expenses.  Or you may want to leave extra money as a gift to children, grandchildren, to a church or charity.  Or if you have a mortgage payment, you want to make sure there is money to pay the mortgage until the house can be sold (usually 6 months to a year).  Whatever your reason is, we are here to help you find the best policy for your specific situation. 

 

 

 

We can also help you apply over the phone and your voice will be your signature.  Using this method of applying for coverage, there isn’t any paperwork involved at all.  Everything is done over the phone during a 3-way call with you, your licensed agent, and the insurance company.  We set this up for you and the insurance company will ask you the application questions over the phone.  This way will also give us an immediate decision from the insurance company regarding your application.  

 

The good news is that it doesn’t cost you anything to have your own licensed agent help you with this important decision.  And all of this is done for you without an insurance agent ever having to come into your home.  We help you choose wisely without any hassle, and will be here for you and your family.