Flameless cremation burial insurance is whole life insurance designed to cover burial and cremation expenses. If you decide that flameless cremation is an excellent way to go and you want an insurance policy to cover the expenses, we can help you.
In this article, we will provide the information you need about flameless cremation and how it can benefit the environment. We will also cover flameless burial cremation insurance should you decide to go this route.
Flameless cremation is an eco-friendly or green alternative to traditional burial and cremations. This disposition process is scientifically known as Alkaline Hydrolysis, which mimics the natural decomposition process and creates beneficial effects on the environment.
Flameless cremation is also called Resomation, bio cremation or water cremation using 95% water and 5% alkaline to break down the remains rapidly. With cemeteries filling up fast in the city, flameless cremation would address accessibility, space issues, and environmental issues.
Alkaline hydrolysis will benefit people who can’t afford a traditional burial. This process is generally cheaper than a burial.
In this article, we will discuss the benefits of flameless cremation and cremation insurance and why you may want to consider it.
WHAT IS FLAMELESS CREMATION?
Alkaline hydrolysis or flameless cremation is a water-based chemical resolving process that uses strong alkali and water to reduce the body to bone fragments quickly.
Experts say it’s an accelerated process of natural decomposition that would occur to a body over several years after it’s buried in the soil. This process will only take three to eight hours for the body to decompose.
The remains are placed in a specially designed unpressurized stainless-steel vessel. Warm water and potassium hydroxide are combined and circulated around the body to cremate the body completely.
This process is a lot like cremation, where powdered bones remain to be placed in an urn or scattered by the families.
Traditional cremation uses fire and 1,800 degrees of heat to cremate and releases 573 pounds of carbon dioxide into the atmosphere.
Flameless cremation has a much lower carbon footprint than traditional cremation, and it only uses 90 kW-hr of electricity. It also produces less carbon dioxide and pollutants.
Flameless cremation is also more environmentally friendly than embalming or traditional cremation.
This process of disposition is currently legal in sixteen states including California, Colorado, Florida, Georgia, Idaho, Illinois, Kansas, Maine, Maryland, Michigan, Minnesota, Nevada, Oregon, Utah, and Wyoming.
BENEFITS OF FLAMELESS CREMATION
Burial and traditional cremations have a marked environmental cost.
In the United States, burial or cremations consume:
- 1.6 million tons of concrete
- 30 million board feet of wood
- 90,000 tons of steel
- 800,000 gallons of embalming fluid
During cremation, the remains are placed in a pine box in a 1,400 to 1,800 degrees high-temperature oven. After several hours, what’s left is a gray powder with lumps of bones.
Most crematoria are fueled by gas; some of them use filters to reduce pollutants. However, the process results in carbon monoxide, soot, and trace metals like mercury to be released into the air.
The environmental impact of traditional cremation is not minor. Cremation releases 250,000 tons of carbon dioxide into the atmosphere each year, which is the same as burning 30 million gallons of gasoline.
In spite of this, traditional cremation still has an environmental advantage over burial – think of all the resources used to bury a deceased person.
Traditional cremation and burial have a higher carbon footprint than alkaline hydrolysis.
Flameless cremation produces no fumes or smoke. It also requires less energy. It only uses a quarter of the energy needed for cremation and conserve more than a metric ton of (CO2) carbon dioxide for every person that uses it. It also produces no mercury emissions.
HOW MUCH DOES A FUNERAL COST
The cost of a traditional funeral and burial is the most expensive final expense you will pay.
According to the National Funeral Directors Association (NFDA), the current funeral cost is around $8,755.
This figure consists of commonly used funeral items. It doesn’t include the burial cost. A burial plot costs about $2,000, so the average funeral can cost over $10,000.
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION:
- $725 – Embalming
- $325 – Removal of the body to funeral home
- $250 – Other preparation of the body
- $2,100 – Non-declinable funeral services fee
- $435 – Use of staff and funeral facilities for viewing
- $500 – Use of staff and funeral facilities for a funeral ceremony
- $150 – Service car
- $160 – Basic memorial printed package
- $350 – Cremation fee
- $1,000 – Cremation Casket
- $275 – Urn
- $6,260 – TOTAL
Cost of Direct Cremation with viewing – $1,400-$3,200
Average Basic Cremation fee – $350-$1,200 this low-cost cremation does not include a traditional funeral. The remains are cremated in a simple container. There no viewing or wake that’s why the cost of embalming and body preparation is eliminated.
COST OF FLAMELESS CREMATION
Traditional cremation is considerably cheaper than the cost of burial, which is about $1,500-$2,500 compared with $10,000 for burial.
Depending on the state, the cost of alkaline hydrolysis differs.
In Minnesota, flameless cremation cost about $2,400
In Illinois, AquaGreen Disposition offers flameless cremation package with paperwork, urn, and transport for $1,795
Flameless cremation is cheaper than burial and is price competitive with traditional cremation. This process will benefit those people who can’t afford burial or those who don’t want to be cremated.
Most American families don’t have enough funds to pay the cost of funeral and burial.
A study shows that about 62% of Americans have less than $1,000 in savings. How can most families afford to pay the cost associated with a funeral if it cost more than $10,000?
This is the reason why having flameless burial cremation insurance is important. Cremation insurance can protect your family from the financial stress associated with dying.
WHAT IS FLAMELESS CREMATION BURIAL INSURANCE?
Flameless burial cremation insurance is a whole life insurance policy designed to cover the cost of a cremation and other end-of-life expenses.
Cremation insurance is also called funeral insurance, burial insurance, and final expense insurance. Purchasing cremation insurance can protect your loved ones from the financial burden when you die.
Once you pass away, the life insurance company will pay a tax-free amount to your chosen beneficiary.
The amount is not limited to your funeral or cremation cost. Your loved ones can use the money; however, they want, and if there’s anything left, it stays with your family.
You can easily qualify for flameless burial cremation insurance because of the lenient underwriting process.
If you have some health issues, you can still be eligible for this plan because it does not require a medical exam to get coverage. You only need to answer basic health question.
Applying for cremation insurance is simple; it can be done online or over the phone. Approval is instant, and you don’t need to wait a month or longer to know if you qualify.
Cremation insurance can be an excellent alternative to people who won’t qualify for fully underwritten life insurance because of some medical conditions.
You can be eligible for cremation insurance regardless of your pre-existing conditions because some cremation plans do not ask health questions.
Features of Cremation Insurance:
No medical exam – only health questions to answer
Level premium – premiums are guaranteed never to increase
Fixed death benefit – benefit amount is guaranteed never to decrease
The policy will not expire – it will never expire, and lasts up to age 121 years old.
Cash value builds up – accumulates cash value over the years
If you do not expect to have enough money at the end of your life to cover your funeral or burial expenses, then a cremation insurance policy might make sense to you.
Even if you expect to leave enough funds to your family, you may not want your estate to shoulder your final expenses. Having cremation insurance is one way to ensure that your estate will be available to your family.
WHO CAN APPLY FOR CREMATION INSURANCE?
Age requirement – you must be 50 to 85 years old to be eligible for cremation insurance.
U.S citizen – you must be a U.S. citizen or a permanent resident to be able to buy cremation insurance
Mental capacity – you must have a mental ability to enter into a legal contract to qualify for cremation insurance.
DIFFERENT TYPES OF CREMATION INSURANCE
You can either apply for cremation insurance with underwriting (answer health questions) or you can apply for a policy that does not have health questions.
Cremation insurance with underwriting has three different plans. Which type you will be eligible for will depend on your general health.
Here are the different types of cremation insurance with underwriting:
LEVEL BENEFIT CREMATION INSURANCE
You will qualify for a level benefit plan if you can answer no to all the health questions on the application.
You will be immediately covered upon insurance approval. Your beneficiary would receive 100% death benefit when you pass away.
You will never have a waiting period if you will qualify for this plan!
If you are healthy or with some minor health issues like high blood pressure or high cholesterol, you will easily qualify for a level benefit plan.
This is the best cremation insurance plan you can receive because this plan comes with the lowest premium possible.
GRADED BENEFIT CREMATION INSURANCE
A graded benefit plan is your next best option if you can’t qualify for a level benefit plan.
You will be offered this plan is you said yes to some of the health questions in the graded section of the application. You will be charged 15-40% more for this plan.
The graded benefit plan provides partial benefit during the first two years of the policy.
For example: If you’re approved for a $10,000 face amount, the company will pay your beneficiary 30% if you die on the first year. 70% of the death benefit in the second year and the 100% death benefit will be given if you die on the third year or after that.
Important note: Every insurance company has different benefit schedule, so it’s important to read and understand the fine print before making any purchase.
MODIFIED CREMATION INSURANCE
A modified plan is designed for the highest risk applicants with pre-existing medical conditions.
The insurance company will charge 30-50% more on premiums. If you answer yes to any health issues in the modified section, you will be offered this plan.
Recent heart attack, stroke, or cancer diagnosis may put you in this plan.
The modified plan has a two-year waiting period.
If you pass away from natural causes during the waiting period, the company will not pay the full death benefit. Instead, they will return 100% of your premiums plus 7-10% interest. For accidental death, the insurance company will pay the full death benefit even during the waiting period.
GUARANTEED ISSUE CREMATION INSURANCE (NO HEALTH QUESTIONS)
Cremation insurance has a lenient underwriting. However, some medical conditions are considered uninsurable.
Guaranteed issue cremation insurance with no health questions is the only insurance option for people with severe medication conditions. GI policy requires no medical exam and health questions. Your approval is guaranteed if you pass the age requirement.
Guaranteed issue cremation insurance is your only insurance option if you have any of the following medical conditions:
- Alzheimer’s or Dementia
- Cancer in the last 12 months
- Circulatory surgery within the previous 12 months
- Currently in a hospital, nursing facility or Hospice Care
- Congestive heart failure
- Heart attack
- HIV or AIDS
- Kidney failure requiring dialysis
- Oxygen use
- Terminal Illness
- Recommended to have an organ transplant
- Needing assistance with activities of daily living such as bathing, dressing, toileting, continence and transferring
Guaranteed issue cremation insurance has a two-year waiting period. If you die from natural causes during the first two years, the company would only refund your premiums plus 7-10% interest.
WHAT TO LOOK FOR IN A CREMATION INSURANCE POLICY
If you’re shopping for cremation insurance, you need to pay attention to the price and the fine print.
The price is important for you to save money. Compare prices and make sure the price fits your budget so that you will never have a problem missing a payment or losing the policy when you’re older.
Cremation insurance is not a one size fits all thing, so be sure to work with an independent insurance agency like Funeral Funds. We can give you insurance quotes from different companies so you can choose which one fits your needs and budget.
Look for cremation insurance with these features:
- No medical exam but with health questions
- Top-rated insurance company – with an “A” rating or better from financial rating agencies
- Fixed premiums – your premiums will never increase as you get older
- Fixed death benefit – the benefit amount will not decrease with age or declining health
- Whole life policy – your policy will not expire until age 121 years old
Before you decide which cremation insurance to buy, answer the instant pricing estimate box. This way, you can compare prices from different insurance companies and choose the one that fits your needs.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy if you want cremation insurance needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history or pre-existing medical condition, let us help you; we will work with you side by side to find a plan that fits your needs.
We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.
We will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will 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 cremation funeral insurance, or cremation burial insurance, or flameless burial cremation life insurance.
Fill out our quote form on this page or call us at 888) 862-9456 and we can give you an accurate quote.