Burial insurance protects the ones our loves from having to pay your final expenses.
Final expense insurance is intended to cover the cost of your end-of-life final expenses such as burial, cremation, or other medical and estate end-of-life expenses.
FIRST DAY COVERAGE burial, cremation, or final expense life insurance!
Our mission is to help our people like you find affordable funeral and burial insurance with first-day coverage so that your funeral can be worry-free for your family members and those you leave behind.
Think about it…
You wouldn’t buy a car if you couldn’t drive it for the first two years. You also wouldn’t buy a house if you couldn’t live in it for the first two years. Heck…people probably wouldn’t get married if they couldn’t have sex for the first two years!
Why on earth then, would you buy an expensive 2-year waiting period policy that won’t pay out any death benefit if you die of a health or medical reason in the first two years?
A 2-year waiting period policy is a totally stupid purchase for most consumers.
However, a 2-year waiting period policy totally is a totally brilliant example of marketing to people who are uneducated about life insurance products via television advertising and junk mail.
So don’t get suckered into a 2-year waiting period policy when you qualify for 1st-day coverage!
How important is burial insurance?
Having funeral or burial insurance is an important financial safety net for your spouse, partner, family, and loved ones.
Death often comes like a thief in the night and families and loved ones have no way to pay for your final expenses…and there will be lots of them!
We specialize in helping clients find affordable funeral and burial insurance so that their loved ones are not burdened with your final expense after you are gone.
Can you buy life insurance if I have been denied life insurance before?
Yes, but it depends on what company denied you, and why you were denied.
Some companies just deny more people than other companies, and they can easily get approved by other companies with more lenient underwriting guidelines.
How do I qualify for a funeral policy or burial insurance policy?
Your eligibility and rates are determined by your age, gender, and overall health. We will need to know more about your overall health history to get you the best policy with the lowest rates.
I already have life insurance; do I need burial insurance?
It depends if you have permanent or term life insurance.
Having a permanent whole life insurance plan is critical for funeral or burial planning as it is the only coverage that will last until age 121 years old.
Term life insurance should be avoided for your final expense needs as it generally cancels before you actually pass away.
Can I afford burial insurance?
We have plans that will fit almost every budget. Almost everyone we help is on a fixed or limited income, so we know how important it is to keep this coverage affordable.
What kind of burial policies should I avoid?
TV AND MAGAZINE ADVERTISEMENTS
Most burial policies or final expense policies you see advertised on television or in magazines have 2-year waiting periods. These policies are overpriced or often have fine print exclusions that won’t pay when you need them the most.
Some of these policies even increase in price every five years, cancel after age 80, or have a two-year waiting period for any health or medical-related death.
Burial Insurance Benefits
Here are the benefits of the burial plans:
- Your premiums will NEVER INCREASE.
- Your coverage amount will NEVER DECREASE.
- EASY QUALIFICATION even if you are sick or old.
- Your policy will NEVER EXPIRE (up until age 121 years old).
- Your family is guaranteed to get a check to cover your burial expenses when you die!
Why final expense policies help so many people
Insurance companies design these funeral and burial plans specifically for people looking for end-of-life funding for burial and funeral expenses.
There are even final expense policies that are “no questions asked” type of policies. If you have significant health problems, these policies are the best choice for you!
How much coverage can I get?
The insurance companies that will allow coverage amounts from $3,000 up to $50,000 in coverage.
If you’re planning on a cremation ceremony, $3,000 may be all you need. If you want a fancy funeral and to be buried at the cemetery, $8,000-$12,000 may be a better choice.
Why choose Funeral Funds of America for my burial policy?
We work with all the best final expense companies, so you can get qualified for the lowest-priced plan possible.
It is always in your best interest to work with an independent brokerage, such as Funeral Funds.
With access to all the best final expense insurance companies, we will help you understand your best options, given your current age, health, and financial situation.