Burial Insurance Quote By A Live Licensed Agent In Your State

Need a low cost Burial Insurance Quote from a live agent – CALL 678-468-5163, OR fill out the contact form for a Quick Quote from a Life Insurance agent Licensed in Your State. Your policy can cost as little as $1 a day. Our A+ Rated Burial Insurance Carriers will provide you with a low cost burial Insurance policy. No Medical Exam Required. Qualifying age 50 to 85.

Burial Insurance Quote Examples  

Senior Female
Non Smoker – Level Plan
Coverage
Amount
Monthly
Premium
Age 50 $5,000 $11.23 p/m
Age 55 $5,000 $14.01 p/m
Age 60 $5,000 $17.82 p/m

GET A FREE QUOTE FROM A STATE LICENSED AGENT

Live Agent Assistance Will Get You The Best Burial Insurance Rate

Many seniors suffer from age related illness such as Heart Disease, Diabetes, Renal Failure, Cancer and other major diseases for which sometimes they are unable to get a final expense or burial insurance coverage.  Sometimes if they do get coverage, the monthly premium is at a very high cost. Our live Licensed Life Insurance agents are specialized in getting our you best low cost burial insurance coverage available through our A Rated Life Insurance carriers regardless of your health condition. Qualifying Coverage Age 50 to 85 – No Medical Exam Required.

Benefits of having a Burial Insurance Policy:

    • Your burial policy last your whole life
    • You policy face value never decrease
    • Your burial policy builds cash value
    • Permanent Life Insurance coverage
    • Your monthly premium (payments) will never increase
    • You can never outlive your burial policy
    • Pays your beneficiary as long as premiums have been paid
    • Policy cannot be revoked by the life insurance company
    • Guaranteed Death Benefit
    • Level Premiums
    • Burial Policy cannot be cancelled except for lack of payment

You Can Get Burial Insurance Coverage
UP TO AGE 85 CAN QUALIFY WITH NO MEDICAL EXAM

Burial-Insurance-1Our live agents can get you a Whole Life Burial Insurance Policy with No Medical Exam. Even if you have serious related illness. 

We shop the lowest premium rates in Burial Insurance or Final Expense Life Insurance Policies with major A+ rated companies. Our policies require no medical exam to qualify for coverage. 

Burial Insurance Quote Examples

Female,
Non Smoker – Level Plan
Coverage
Amount
Monthly
Premium
Age 65 $5,000 $22.11 p/m
Age 70 $5,000 $28.22 p/m
Age 75 $5,000 $37.81 p/m

There are No health questions required to qualify for your burial insurance coverage. Your Premium Rates will never increase. Your Benefits are never reduced because of your age or health. Benefits paid directly to your beneficiaries and may be used as you requested.

Coverage requires No Medical Exam to Qualify. Qualifying age 50 to 85

Fill out our Contact Form above to request a free quote. Start protecting your loved ones from today’s High Funeral Cost.

Burial Insurance Quote Examples

Female,
Non Smoker – Level Plan
Coverage
Amount
Monthly
Premium
Age 80 $5,000 $50.82 p/m
Age 83 $5,000 $62.26 p/m
Age 85 $5,000 $69.55 p/m

As your Burial Insurance agent, our job is get you the lowest rate for your condition. You may qualify for A:

Standard Senior Life Insurance Coverage – Full Death Benefit Coverage that begins on the policy issue date with no waiting period. No Medical Exam – Health Questions

Sub-Standard Senior Life Insurance Coverage – Full Death Benefit Coverage that begins on the policy issue date with no waiting period. (With rates a bit more than Standard) No Medical Exam – Health Questions

Graded Benefit Senior Life Insurance Coverage – Policy pays 110% of total premiums for non accidental death within first 2 years. Full Death Benefit any time after the first 2 years for non accidental death. (Full Death Benefit paid at any time for accidental death) No Medical Exam – Health Questions

Modified Benefit Senior Life Insurance Coverage – Policy pays 110% of total premiums for non accidental death within first 2 years. Full Death Benefit any time after the first 2 years for non accidental death. (Full Death Benefit paid at any time for accidental death) No Medical Exam – Health Questions

Benefits you will enjoy with your Burial Insurance Policy:
  • Up to $25,000 Immediate death benefit.
  • Low Premium Whole Life Final Expense Insurance for seniors.
  • Low Monthly Premium for seniors – Premium will never increase.
  • Your Policy Face value will never decrease.
  • No Medical Exam for seniors to qualify for coverage.
  • Quick and Easy Phone Application – Quick Approval
  • No agent will visit you.
  • Policy will never cancel because of senior’s age.
  • Senior Policy Builds Cash Value and loan value for borrowing.
  • Coverage last for your whole life and will never change.
  • 30 Day Money Back Guarantee.
Some expenses associated with burial for seniors include:
    • Hiring a Minister
    • Casket cost
    • Cost of Cemetery Plot
    • Cost of Headstone and Engraving
    • Funeral Service cost
    • Wake and Visitation cost
    • Casket and family Transportation Cost
    • Legal Fees and probate costs
    • Last Physician and Hospital bills
    • Outstanding Debts to be paid
    • Credit card balances Mortgage pay-off, car loans,

Average Burial Cost – $8,000 to $10,000

National Median Cost of an Adult Funeral with Viewing and Burial: 2004 vs. 2014
Item 2014* 2004* % Change
Nondeclinable basic services fee $2,000 $1,460 37.0%
Removal/transfer of remains to funeral home $310 $195 59.0%
Embalming $695 $498 39.6%
Other preparation of the body $250 $174 42.9%
Use of facilities/staff for viewing $420 $339 23.9%
Use of facilities/staff for funeral ceremony $495 $395 25.3%
Hearse $318 $225 41.1%
Service car/van $143 $100 42.5%
Basic memorial printed package $155 $95 63.2%
Metal casket $2,395 $2,100 14.0%
Median Cost of a Funeral With Viewing and Burial
$7,181 $5,582 28.6%
Vault $1,327 $998 33.0%
Total with vault $8,508 $6,580 29.3%
2004 prices have not been adjusted for inflation.

* Median Price – The amount at which half of the figures fall below and half are above. according to http://nfda.org/about-funeral-service-/trends-and-statistics.html

Simplifies Issue Whole Life Burial Policy

All our burial policies are Simplified issue Whole Life. A Simplified issue policy makes it easier to qualify for coverage as there is No Medical Exam required. You do not have the inconvenience of having to go see a doctor and do a medical exam to qualify for coverage.

Some Types Of Health Questions To Qualify For Best Rate

  1. In the past 12 months, you used any form of tobacco, or nicotine replacement therapy?
  2. Are you currently bedridden or confined to any hospital, nursing home, long-term care facility?
  3. Do you require assistance with activities such as taking medications, bathing, dressing, eating, toileting, getting in and out of a chair or bed?
  4. Have you ever been diagnosed as having Acquired Immune Deficiency Syndrome (AIDS)?
  5. Have you ever been diagnosed with diagnosed with or receive treatment for Alzheimer’s

These are just a sample of some of the health questions the life insurance company may ask on the application for coverage. The insurance company will check your prescription records on the MIB (Medical Information Bureau Inc) against the answers you gave to their health questions on the application for coverage. The insurance company will check your prescription records on the MIB (Medical Information Bureau Inc) against the answers you gave to their health questions on the application for coverage.

  • MIB – The insurance consumer reporting agency that shares consumer medical information among member insurance companies in the US.

After looking at the MIB records, the insurance company can either:

  1. Approve your application for whole life insurance coverage
  2. Offer you the same coverage at a higher rate
  3. Offer you a policy with some restriction – A Graded Benefit Policy
  4. Deny you coverage.

If you are denied coverage You Still Have OptionsYou always qualify for a Guaranteed Issue Whole Life Burial Insurance Policy. That’s because a Guaranteed Issue Policy requires No Health Questions AND No Medical Exam to qualify for coverage. As always, there are qualifying age limits on these policies and the Maximum Age to Qualify is usually age 80. Once you are approved, you are covered for life and your premium will not increase. Your policy Face Value stays the same for life and will also not decrease.

Smoking Will Increase The Premium On Your Policy

Your life insurance premium will increase by about 15-20% if your smoke. The smoker will pay more on the premium as the insurance company classify you for a higher risk of lung disease or lung cancer. These higher premiums over non-smokers are equivalent with demographics and health conditions. If the annual premium for a non-smoker is for example $500 per year, it will be upwards of $600 per year for a smoker.

Basic Life Insurance Knowledge That Seniors Need To Know

  • Term Life – Usually the cheapest cost life insurance coverage as the coverage expires after a certain period of time or at a specific age. Premium increase as you get older – No cash value build up.
  • Whole Life – Usually cost a bit more than term policy as coverage last for the whole life of the insured. Policy builds cash value. Premium does not increase.
  • Burial Insurance Policy – A burial insurance policy (sometimes referred to as a Final Expense Policy) is a small whole life policy for which the death benefit is paid to the senior’s beneficiary upon the death of the insured.
  • Graded Death Benefit Policy Limitations – The insurance company grantees to accept all policy applicants of age 50 to 80. The company make’s this possible with a Graded Death Benefit Limitation. During these first two years the policy pays 110% of total premiums for non accidental death. Full Death Benefit any time after the first 2 years for non accidental death. (Full Death Benefit paid at any time for accidental death).
  • Accidental Death – Most insurance companies define Accidental Death as death that occurs as a direct result of and within 180 days of an accident. Death must have occurred while the policy is active.
  • Suicidal Death – Suicidal Death is usually covered if the suicidal death was committed after the first two years that the policy was issued and policy active at the time of the suicide.

Burial Insurance Policy Face Amounts 

The proceeds of a burial insurance policy are generally used to pay for funeral expenses and other final expense bills. The typical coverage amount seniors request is usually $10000 to $15000. We have carriers that offer more that the $25000 seen in our quote request form. There are no restrictions on how the beneficiary can use these funds. Call us and ask for more coverage if you need a higher face value coverage.

Life Insurance Company Ratings

It is very important to look at a companies financial strength when shopping for a senior whole life insurance policy. You want to make sure that the company is strong financially, has a strong positive rating and has a long history of paying it’s claims and obligations promptly. Some great companies to look at are:

Mutual of Omaha Insurance Company Ratings 10/2015

  • A+ Superior Ratings with A.M. Best Company, Inc for overall financial strength and ability to meet ongoing obligations.
  • A1 Good Ratings with Moody’s Investors Service for current financial strength and ability to withstand financial stress.
  • AA- Ratings with Standard & Poor’s for financial strength to meet obligations

Transamerica Life Insurance Company Ratings 6/2015

  • A.M. Best A+
  • FITCH AA-
  • MOODY’S A1
  • STANDARD & POOR’S AA-

Gerber Life Insurance Company Ratings 4/2015

  • A.M. Best A+
Get A Free Low Cost Burial Insurance Quote From A Licensed Life Insurance Agent In Your State!

Final Expense Insurance 2By requesting “A Free Burial Insurance Quote” I understand that I will get a call from a Live independent Licensed Life Insurance Agent. I understand that I am not required to make a purchase. I consent to receive offers of life insurance from
matched partners that provide burial insurance for seniors. Carriers may include but not limited to Lincoln Heritage, AIG, Foresters, Cigna, Baltimore Life, Monumental Life, Mutual Of Omaha and more at the email and phone number I provide, including my wireless number if provided.

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Call A Licensed Life Insurance Agent For A Free Quote on A Low Cost Burial Insurance Policy With NO MEDICAL EXAM at 678-468-5163. Call Today!