2024 Burial Insurance with a Felony Conviction

Getting burial insurance with a felony conviction could be easier than you think.

We work with a handful of insurance companies that don’t ask about felony convictions on their application questionnaire, and you can even qualify for level death benefit even if you have a history of a felony.

This article will discuss how life insurance companies underwrite people with felony convictions and how you can get the most affordable plan.

What Is My Best Insurance Option If I Have A History Of Felony Convictions?

Several companies will approve your application even if you have a history of felony convictions. You will have a level death benefit which means your life insurance payout will be the same throughout the life of the policy. Your beneficiary will receive your death benefit when you pass away.

We work with companies that don’t even ask about felony convictions in their application.

You can easily qualify for a level death benefit if you are generally healthy. It has first-day coverage without a waiting period, and at the lowest rate, the company can offer.

Best Option: Level death benefit plan with first-day coverage

What Types Of Burial Insurance Should I Avoid?

PLANS TO AVOID	WHY?
Term life	Premiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plans	Expensive
Universal life	Tied with stocks
No health questions policies	With 2-year waiting period
Plans offering "teaser rates"	$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plans	Insurance from TV and junk mail
Plans that accept mail-in payments	Risky
Plans that accept Direct Express	High lapse rate
Plans that accept Credit Cards	High lapse rate

What Type Of Burial Insurance Is Best?

FUNERAL FUNDS PLAN BENEFITS	INCLUDED
1st Day Coverage	YES
Rates NEVER Increase	YES
Coverage NEVER Decreases	YES
Easy to get approved	YES
No Medical Exam	YES
Same Day Approval	YES
Death Claims Pay Fast	YES
Builds cash value	YES
Coverage Up To Age 121	YES

If I Have A Felony Conviction, Do I Need A Medical Exam To Qualify For Burial Insurance?

You are NOT required to take a medical exam to qualify for burial insurance with a felony conviction.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple; you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!

Burial Insurance Underwriting If You Have A Felony Conviction

Burial insurance companies have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.

You will rarely see felony convictions asked on the application questionnaire. Very few insurance companies care about felony convictions. So, if you have a history of felony convictions but are generally healthy or have some pre-existing medication condition, you will still qualify for affordable burial insurance.

How Much Insurance Do I Need If I Have A Felony Conviction?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL
Non-declinable basic services	$2,300
Removal/ transfer of remains to funeral home	$350
Embalming & preparation of the body	$1,050
Use of facilities for viewing & funeral ceremony	$965
Hearse	$325
Service car/van	$150
Basic memorial printed package	$183
Metal casket	$2,500
Vault	$1,572
Median Cost of a Funeral With Viewing and Burial	$9,420

AVERAGE FUNERAL COST WITH VIEWING AND CREMATION
Non-declinable basic services fee	$2,300
Removal/ transfer of remains to funeral home	$350
Embalming & preparation of the body	$1,050
Use of facilities for viewing & funeral ceremony	$965
Service car/van	$150
Basic memorial printed package	$183
Cremation fee (if firm uses a third-party crematory)	$368
Cremation Casket	$1,310
Urn	$295
Median Cost of a Funeral with Viewing and Cremation	$6,970
Rental Casket	$995
Alternate Cremation Container	$150

How Should I Pay My Premiums?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you don’t need to worry about your policy lapsing due to non-payment.

Felony Conviction And Burial Insurance Riders

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

FUNERAL FUNDS ADD-ONS	AVAILABILITY
Terminal Illness Add-On Benefit	Included with most plans
Nursing Home Care Add-On Benefit	Included with most plans

Benefits Of Burial & Funeral Insurance

Here are some of the benefits of purchasing a burial or funeral policy:

• No medical exam or doctor’s visit is required – easy to get approved.
• Ease of issue – easy to qualify and get insurance coverage.
• No Money Down to get approved – have your policy start whenever you want.
• Level premium – your premium will never increase.
• Fixed death benefit – your death benefit will never decrease for any reason.
• Permanent protection – your policy can not be canceled by the life insurance company if you continue to pay your premiums.
• Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death.
• Cash value builds up – burial insurance is a whole life policy that builds cash value over time.

Other Common Uses For Final Expense Life Insurance With A Felony Conviction

All of these examples are appropriate uses for Final Expense Life Insurance:

• Burial insurance plan with a felony conviction
• Cremation insurance plan with a felony conviction
• Funeral home insurance plan with a felony conviction
• Final Expense insurance plan with a felony conviction
• Prepaid funeral plan insurance with a felony conviction
• Mortgage payment protection plan with a felony conviction
• Mortgage payoff life insurance plan with a felony conviction
• Deceased spouse’s income replacement plan with a felony conviction
• Legacy insurance gift plan to family or loved ones with a felony conviction
• Medical or doctor bill life insurance plan with a felony conviction

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.

How Can Funeral Funds Help Me?

Finding a policy with a felony conviction needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.

We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies anymore because we will do the work for you.

We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search for all those companies and match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for felony conviction funeral insurance, felony conviction burial insurance, or felony conviction life insurance, we can help. Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate quote.

Additional Questions & Answers On Burial Insurance With A Felony Conviction

Can you get life insurance with a felony conviction?

Yes, you can get life insurance with a felony conviction if you go with the right insurance company.

Is life insurance available for felons?

There are many life insurance companies that will offer coverage to felons.

What type of life insurance can a felon get?

A felon can get term life insurance, whole life insurance, or universal life insurance.

How can you get life insurance with a felony conviction?

The best way to get life insurance with a felony conviction is to work with qualified insurance agents or brokers who can help you find a policy that meets your needs and budget.

Do life insurance companies check criminal records?

Some life insurance companies will check your criminal record when you apply for coverage. However, they may not consider all convictions, and the impact of a conviction on your premium will vary from company to company.

What if I don’t disclose my felony conviction?

If you don’t disclose your felony conviction when you apply for life insurance, the company may deny your claim or cancel your policy if they find out later. You should never withhold this information when applying for life insurance, as it could put your coverage at risk.

Do I need to take a medical exam to qualify for burial insurance?

No, you don’t need a medical exam to qualify for burial insurance. This type of insurance is typically available to people with pre-existing medical conditions, and the coverage amount is typically lower than for a traditional life insurance policy.

What are the benefits of burial insurance for people with felony convictions?

Burial insurance can help cover the costs of your funeral and other end-of-life expenses. This type of coverage is typically available to people with pre-existing medical conditions and felony convictions.

Can you qualify for burial insurance with a felony?

Yes, you can qualify for burial insurance with a felony conviction. In fact, some insurance companies do not ask about felony convictions on their application questionnaire.

Is burial insurance available for felons?

Several life insurance companies will offer coverage to felons.

Can I qualify for first-day coverage insurance if I have a felony conviction?

Yes, you may be able to qualify for first-day coverage if you have a felony conviction. Some insurance companies will offer this type of coverage to people with pre-existing medical conditions or criminal histories.

Is life insurance no background check available?

There are a number of life insurance companies that will not check your criminal background when you apply for coverage.

Is burial insurance available with no medical exam?

Yes, burial insurance is typically available with no medical exam. This type of insurance is typically available to people with pre-existing medical conditions, and the coverage amount is typically lower than for a traditional life insurance policy.

How do insurance companies underwrite people with a felony conviction?

Insurance companies typically use several factors to determine your premium, including your criminal history. However, the impact of a felony conviction on your premium will vary from company to company.

Is there a waiting period for felons to apply for life insurance?

No, there is not typically a waiting period for felons to apply for life insurance.

What type of policy should I get if I have a felony?

The best type of policy for you will depend on your needs, budget, and the insurance company’s application requirements.

What is the impact of misdemeanors on life insurance?

The impact of misdemeanors on your life insurance premium will vary from company to company. However, some companies may consider all convictions, while others may only consider certain types of convictions.

Can you qualify for funeral insurance if you have a criminal offense?

Yes, you may be able to qualify for funeral insurance even if you have a criminal offense on your record. Some insurance companies will not consider your felony or misdemeanor conviction when determining your eligibility for coverage.

What are the life insurance companies that accept felons?

Many life insurance companies accept felons. You can compare quotes from different companies to find the best option for your needs.

Do life insurance companies consider felons as high-risk?

Generally speaking, felons may be considered high-risk applicants by some companies, but many providers offer coverage to people with criminal records.

Do life insurance companies care about your criminal records?

The impact of your criminal record on your life insurance coverage will vary from company to company. Some companies may not consider your felony or misdemeanor convictions when determining your eligibility for coverage, while others may consider all convictions.

How does a criminal record affect your life insurance application?

The impact of your criminal record on your life insurance application will vary from company to company. Some companies may not consider your felony or misdemeanor convictions when determining your eligibility for coverage.

Can you qualify for cremation insurance with a felony conviction?

Yes, you may be able to qualify for cremation insurance even if you have a felony conviction. Not all life insurance companies will consider your criminal history when underwriting your application.

Do I need to tell the life insurance company about my felony conviction?

Yes, you need to tell the life insurance company if they ask for it.

What are the consequences if I lie about my felony conviction?

If you lie about your felony conviction, you may be denied coverage, or your application could be canceled once the company discovers the truth. Additionally, misrepresenting information on an insurance application can lead to financial penalties or criminal charges in some cases.

Can misdemeanors impact your insurance rates?

Misdemeanors may impact your insurance rates to varying degrees, depending on the company and the specific circumstances of your case. Some companies may consider all convictions when calculating your rate, while others may only consider certain types of offenses.

Can I get life insurance if I’m currently on probation?

It depends. Some companies may not offer coverage to people who are currently on probation, while others may consider your application on a case-by-case basis.

Will my premium be expensive if I have a felony conviction?

Your rates will generally be the same as for anyone else. Your insurance premium will be determined by a number of factors, including your age, health status, and the type and amount of coverage you choose.

Can I qualify for final expense insurance with a felony conviction?

Yes, many companies offer final expense insurance to applicants with felony convictions. You will need to compare quotes from different providers to find the best option for your needs.

Will my life insurance company consider my misdemeanor convictions?

It depends on the company and the specific circumstances of your case. Some companies may only consider certain types of convictions when calculating your rate, while others may consider all convictions.

Will life insurance companies ask about my criminal record?

Yes, some companies may ask about your criminal record as part of the application process. You will need to be honest and provide any relevant information to qualify for coverage.

What is the best life insurance policy for felons?

The best life insurance policy for felons will depend on several factors, including your age, health status, and financial needs. Your best option is to work with a qualified insurance agent who can compare quotes from different providers to find the most affordable and suitable coverage.

How much does life insurance cost for felons?

The cost of life insurance for felons will depend on several factors, including your age, health status, and the amount and type of coverage you choose.

How can I get affordable life insurance if I have a criminal record?

There are a number of ways to get affordable life insurance if you have a criminal record, including working with a qualified agent who will compare quotes from different providers. You may also be able to get discounts on your premium if you have taken steps to rehabilitate yourself since your conviction.

Can I get life insurance if I’ve been to prison?

Yes, you can get life insurance if you’ve been to prison. Some life insurance companies do not ask about your criminal history, while others may consider your application case-by-case basis.

What is the best life insurance for ex-offenders?

The best life insurance for ex-offenders will depend on several factors, including your age, health status, and financial needs. You will need to work with a qualified insurance agent who can compare quotes from different providers to find the most affordable and suitable coverage.

What are the chances of being approved for life insurance with a felony?

The chances of being approved for life insurance with a felony are good. Some life insurance companies do not even consider your criminal history when determining your eligibility.

What is the process for applying for life insurance with a criminal record?

Applying for life insurance with a criminal record will vary depending on the life insurance company you choose. Typically, you will need to fill out an application and provide relevant information about your criminal history and any other personal information.