Blog: Page 3 of 9

Is Burial Insurance Worth It?

“Is burial insurance worth it”? is a common question we get asked from time to time. Here’s the Bottom Line: • Burial insurance costs more for less coverage than other life insurance • Many policies have waiting periods before full benefits actually pay out • Coverage amounts are small and may not cover full funeral costs • Easy approval…Read More

Diabetic Nephropathy Final Expense Life Insurance

Here’s the Bottom Line: • Diabetic nephropathy makes life insurance approval harder and more limited • Many people get pushed into expensive 2-year waiting period policies • Severe kidney damage can lead to denial or very high premiums • Applying too early after diagnosis can hurt your approval chances • The wrong company can cost you better coverage options Getting…Read More

Burial Insurance with Lung Cancer

Here’s the Bottom Line: • Lung cancer severely limits your life insurance options right now • Active or recent cancer usually leads to denial or waiting period plans • Most people get pushed into expensive guaranteed issue policies • Coverage is smaller and costs much more monthly • Applying too early can block better options later Getting burial insurance with…Read More

Burial Insurance After Breast Cancer

Here’s the Bottom Line: • Breast cancer can limit your options or increase your monthly cost • Recent diagnosis usually pushes you into 2-year waiting period policies • Active treatment often leads to denial or guaranteed issue only • Applying too soon can block better coverage later • The wrong company can overcharge you for the same policy Getting burial…Read More

Lumico Burial Insurance Review: Pros & Cons

Here’s the Bottom Line: • Lumico offers easy approval, but strict health rules limit best plans • Most people don’t qualify for first-day coverage and get worse options • Standard and modified plans come with a long 3-year waiting period • Some medications like blood thinners trigger reduced benefit policies • Coverage amounts are smaller and focused only on final…Read More

Prosperity Life Burial Insurance Review: Pros & Cons

Here’s the Bottom Line: • Prosperity offers strong first-day coverage for many health conditions • Graded plans reduce payouts in first 2 years significantly • Modified plans are expensive and come with strict waiting periods • Coverage amounts are smaller and focused on final expenses only • Choosing the wrong plan can cut your payout early on Prosperity Life burial…Read More

TruStage Burial Insurance Review: Pros & Cons

Here’s the Bottom Line: • TruStage is easy to get, but usually costs more long-term • Term life premiums increase every 5 years automatically • Guaranteed issue plans include a 2-year waiting period • Coverage amounts are lower than those of many competing companies • Convenience often means paying more for less flexibility TruStage life insurance is designed to be…Read More

TruStage Price Increase

Here’s the Bottom Line: • TruStage term life prices increase every 5 years automatically • Your monthly payment keeps rising as you get older • It starts cheap but can become expensive later on • Many people don’t realize it’s not level term coverage • Rising costs can make the policy hard to keep long-term TruStage price increases are built…Read More

How Much Does A Funeral Cost?

Here’s the Bottom Line: • Funeral costs are higher than most people expect today • Prices can range widely depending on burial or cremation choices • Add-ons like viewing and services quickly increase the total cost • Many families overspend because they don’t plan ahead • Without coverage, loved ones must pay out of pocket fast Funeral costs can easily…Read More