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Best Burial Insurance from the Burial Insurance Pros
By Matt Schmidt
The older you get the more you realize it is time to start looking into final expense planning. The problem is there are so many options out there to choose from! How do you know which plan is the right one for you? Who is the best burial insurance company? Are you paying too much? Are you paying too little? Do you have the coverage you need to ensure your loved ones will not be troubled with the financial burden of unpaid funeral expenses? With all of the misinformation out there, we are here to help get to the bottom of them all and answer those questions for you.
The following article will breakdown every aspect of buying burial insurance so we can find the best burial insurance that will suit all of your needs.
When it comes straight down to it, you’re looking for the best burial insurance policy for you and your family…the best policy that won’t necessarily cost you an arm and a leg. When looking for burial insurance you will want to find a plan that has 3 critical components.
As long as you are able to find burial insurance that covers all three of those requirements, you’re already ahead of the game. You are one step closer to finding the best burial insurance company.
When looking for the best burial insurance, it is important to have a good financial track record so you know it is able to actually pay its claims. If the company you are looking at does not have a good financial track record, run for the hills. You want to be able to work with a company that is able to fulfill their promise when it comes right down to it. A company that isn’t able to pay out your claim, when it is all said and done…is not good for anyone.
This may be a no brainer, but there are a lot of burial insurance policies out there 
that don’t protect you as much as you should be. Whether they don’t protect you right away or make you wait a full two years before it will pay a death benefit you need to be aware of these issues up front.
Burial life insurance is no good to you if it does not protect you right away, if it makes you wait a certain time period, or even if it only pays out a portion of your death benefit during the first two years. There are a few outlying circumstances where your health may cause a wait period, but the majority of applicants will be able to avoid extended wait periods. As long as you are aware of that going into this process, you’ll be able to better spot possible scams. Look for the policy that protects you completely and immediately.
Finding the best burial insurance deal out there, in the sea of burial insurance companies, could be tough. However, with our help we will be able to find a company that offers you exactly what you need at the cheapest cost to you. Why pay more, for exactly the same thing at another company? It’s simple, don’t!
Compare, compare, compare! The best way to find the best burial insurance is to compare prices from multiple providers and find the one that fits you best.
The biggest factor that plays into finding the best burial life insurance is your health. It will single-handedly determine what policies you are able to choose from and the cost of that policy.
Enlisting the help of a qualified independent agency, that represents lots of different insurance companies will help you find the perfect fit to you and your health/medical needs. The best part about independent agencies is that they aren’t married to one insurance company, so they will be able to find you the best deal out there! When looking for an independent agency you want to look for the following:
If you decide to go the route of looking for burial insurance on your own, we don’t take it personally. Just keep in mind while you are looking that if any company says they do not check your personal health or medical history it may be to good to be true.
In applying for a life insurance plan that doesn’t ask about your health you need to make sure you read the fine print. Usually, we find these companies like Gerber Life’s burial insurance does not pay any death benefits if you die during the first two years and they cost a lot more compared to a burial policy that does have a few health questions.
Why pay more? Let us ask a few questions pertaining to your health so we can find the best plan that will go into effect immediately for you. Mutual of Omaha’s burial insurance plan with only a few health questions is one great option.
This questions people tend to have the most difficulty with, how much coverage you want to buy. The average traditional burial will cost anywhere from $7,000-$10,000. The NFDA reported in 2014 that the average cost of burial was $8,343. On the other hand, a cremation service will cost anywhere from $1,500-$5,000.
The biggest thing to consider for your funeral insurance plan is the monthly payment must fit your budget. Not having a monthly payment that is affordable to you could be detrimental. The moment you miss a monthly payment you will no longer be protected under your plan. If you miss a payment you lose all coverage and will have to requalify.
Buy what you can afford. It’s better to having something than nothing when it comes to burial life insurance. You can always add coverage in the future if you need to.
A burial insurance plan is always a simplified issue whole life policy. These plans cannot expire, the price cannot change, and the benefits can never decrease.
Some offers you will run into don’t work this way. There are companies that will work very hard to sell you insurance plans where the prices increase with age, and the policy expires at a certain age. Do not buy from these companies!
Although a lot of individuals hold AARP as the king for looking out for their best benefit in some cases like burial insurance that is definitely not the case. AARP is in it to make money off of their members, they are not looking out for their best interests.
First and foremost this type of insurance policy does not even include burial insurance. Although they try to push this policy as burial insurance it does not actually include any type of final expense insurance and is incredibly risky to rely on for final burial expenses. Unfortunately for the consumer, they are hoping you don’t ask too many questions when it comes to this policy.
Comparing two types of life insurance next to each other this type of policy will always be cheaper. You have one that never expires and this one that expires on your 80th birthday, but what happens if you live to be older than 80? This is where they get you. Although the quote is, in fact, cheaper than most other policies, which they hope that blinds you into asking any other questions, it is always best to read the fine print as to not get bamboozled.
Another one of the heavy hitters, Globe Life is similar to AARP. Their life insurance policy completely expires when you turn 90 and the price will increase every 5 years. Our biggest issue with Globe Life is how expensive it is. Although a reasonable price to start, as you get older that price just continues to go up to almost $200-$300 a month! This is not the best life insurance for seniors over 80.
Not to mention if you find that you can no longer find that you can afford those rates or live to 91 you’ll have to find a new policy which will end up costing you even more at that age.
Why Work with Independent Agencies?Simple, you have better things to do with your time. Let us take the legwork out of it for you! You could personally call a handful of insurance companies to get quotes. Sit through all of their sales pitches on why they are the best, but why waste your time and energy!
There are hundreds of life insurance companies out there that you probably have never even heard of. Who is the best burial insurance company? The big guys that advertise on TV or with mailers may not be the best option for you or your wallet. Lucky for you, independent agencies like us have heard about the little guys that you might not be aware of. The best part, these smaller companies can afford to charge less because they don’t spend those millions of dollars on advertising!
Sometimes it’s better to do things on your own, however when it comes to getting the best burial insurance let the professionals help you take care of your burial life insurance needs.
I’m sure at this point you’re thinking of working with an independent life insurance agency sounds like a good idea, but how much is it going to cost me?
The Time Is Now
The healthy you are the better type of life insurance you will be able to get. Not only will you be qualifying for immediate coverage while keeping your cost will be low. Every day that you continue to wait your burial insurance will increase in cost. Keep in mind that your burial insurance will never be cheaper than it is today. The sooner you have it the sooner you’ll appreciate it.
If you have ever tried to obtain burial insurance on your own, then you know that it is tough. There are more companies and more questions than one could possibly count! The process can be overwhelming and discouraging – especially if you are talking to the wrong insurance companies.
At Burial Insurance Pro’s, we have the knowledge and how it relates in the burial insurance world. We know the ins and outs of these companies, including those who may or may not approve you for a reasonably priced policy. Why waste time and energy seeking policies from companies who will just decline you or ask you to pay a ridiculously high policy rate? You just want the best burial insurance!
We have helped many people find the life insurance coverage they need at a price that is affordable. We know your options and we help you sort through them – answering any questions you may have along the way. You are not in this alone.