How to Apply For Burial Insurance

how to apply for burial insurance

If you’re in the market for burial insurance, or simply need to know how to apply for burial insurance, you have come to the right place. We will walk you through the life insurance application process to help you understand how to buy burial insurance and the easiest way to get fast approval on your policy.

Applying for burial insurance is relatively easy depending on what company you choose.

The life insurance application process can differ depending on the company, the agent processing the application, the underwriting, and the details of your medical history. In general, the application process is going to be the same as the application process for any type of life or health insurance.

You will need to supply basic details about yourself such as your name, birthday, age, gender, and address. You may also be asked about your medical history and history of a family disease or any incidents where you have been hospitalized or prescribed medications.

Some questions can be detailed, so it’s important to answer honestly to ensure you are getting the best policy suited to your needs.



Step 1 – Determine which type of burial insurance you need

Step 2 – Decide how much burial insurance you need

Step 3 – Get a free quote to compare rates from different companies

Step 4 – Choose which policy is the most affordable for you

Step 5 – Submit an application through a company like Funeral Funds

Step 6 – Phone history interview

Step 7 – Awaiting underwriting results

Step 8 – Review & Accept policy

Step 9 – Policy Issue


If you do not have available funds at the end of your life to cover your final expenses, then a burial insurance policy is all you need.

Even if you have an existing life insurance policy, you may not want your estate to be depleted by your final burial expenses. Having a burial insurance policy is one way to ensure that your whole estate will be available to your family.

A burial insurance policy will provide the necessary funds to ensure your loved ones do not have to use any out-of-pocket money to pay off your funeral expenses. This insurance policy pays cash directly to your named beneficiary to pay for your funeral services and other final expenses.

Burial insurance also called final expense insurance, cremation insurance, and funeral insurance is a form of whole life or permanent life insurance that provides a fund for the cost of burial, funeral, and other final expenses.

The coverage amount is minimal usually ranging between $2,000 and $50,000 per policy. Burial insurance offers beneficiaries a cash benefit that they can decide how to use after you pass away.

This is how burial insurance works:

  • The policy is permanent and can last your whole life.
  • The premium rate is fixed and guaranteed never to increase.
  • The death benefit is fixed and won’t decrease for any reason.
  • The policy can’t be canceled as long as premiums are paid.
  • Builds cash value on a tax-deferred basis.

Types of Burial Insurance

You have two basic options when applying for a burial insurance policy: Simplified Issue or Guaranteed Issue policies. It is essential to know the difference between the two types of final expense life insurance no exam policies, especially if you have concerns about your health issues.

Simplified Issue – There is no medical exam required for this type of policy. The insurance carrier evaluates your health based on your answers to a series of questions regarding your health.

Some of these questions include:

  • Are you currently in a nursing home or hospice care facility?
  • Have you been diagnosed with a terminal illness such as cancer?
  • Do you suffer from dementia or Alzheimer’s disease?

Health issues such as high cholesterol or any other minor health problems are just fine. The objective of asking health questions is to determine your risk level to the insurance carrier.

You can buy the simplified issue whole life insurance if you are between the ages of 45 to 85 years old.

The best funeral insurance offers immediate coverage, meaning there is no waiting period. Burial insurance with no waiting period offers first-day coverage. If you die after the policy is in force 100% of the death benefit will be given to your beneficiary. Call us if you’re looking for burial insurance for parents.

Guaranteed Issue – also called guaranteed acceptance insurance policy would accept you regardless of your health issues as long as you fall on the age category.

If you have health conditions that may preclude you from getting insurance or you do not want to share your health information, then guaranteed issue policy can be your best option.

There is no medical exam or any health questions asked with a guaranteed acceptance policy.

This policy is best for people with severe health conditions.

There is a two to four years waiting period before the death benefit becomes active. If you die before the waiting period, your beneficiary will not receive the full death benefit; instead, they will receive a return of premiums paid plus interest.


How to apply for burial insurance? Step #2

By this time we already determined what type of burial insurance to purchase. Before you go ahead and start searching the internet for the best burial insurance company, sit down and take some time to determine how much insurance coverage you need.

First – figure out how much you will need to cover your final expenses.

You will have to decide whether you want to be buried or cremated. Your decision will significantly affect the cost of the policy you need to buy because of the difference in cost between the two.

Other costs you need to consider include:

  • Burial cost
  • Funeral service
  • Memorial service
  • Casket
  • Vault
  • Headstone
  • Flowers
  • Digging and filling of the grave
  • Cost of the plot
  • Hearse

The cost of the funeral is often the largest single cost. However, there are other final expenses to consider such as medical bills, credit card bills, legal cost, and living expenses to name a few.

You should add up all these costs to determine how much burial insurance you need.


How to apply for burial insurance? Step #3

Once you have decided on the type of policy and the amount of insurance you need, the next step in the life insurance process is to see what it will cost.

Get a free quote from different insurance companies in the market like burial insurance AARP, AIG burial insurance, Metlife burial insurance, or Colonial Penn burial insurance. Comparison shopping is the easiest way to get lower premiums on the life insurance policy.

Make sure to compare rates with multiple carriers to get the best price and avoid overpaying for coverage.

The best way to do this is to work with an independent life insurance agency like Funeral Funds to save yourself from the hassle of getting a quote from each company individually. Doing this will cost you nothing but will help you find the best insurance company for your specific needs.

Funeral Funds represents a variety of different burial insurance companies.

After we determine your health profile, we will go out to these companies and see which carrier will give you the best price and the best value of coverage. We have your best interest at heart, and we can get you more coverage for a better price even if you have health issues, assuming your health is good enough to qualify for it. That’s the benefit of working with an independent agency.

Get a FREE burial life insurance quote by answering the instant quote form on this page. We work with people like you who like to purchase affordable burial insurance rates regardless of your physical or medical condition.

With access to all the top-rated burial insurance companies, we will find you the lowest rates.


How to apply for burial insurance? Step #4

Once you have decided on your amount of coverage and received the pricing from our instant quote tool, the next step is choosing which policy is the most affordable for you.

Decide on which carrier you want to apply. You may be concerned with the financial stability of the company. To this end, we work with “A” rated or better carriers so you can be sure that the company will be there when you need it most.

If you are interested in choosing a no medical exam insurance company to avoid having blood drawn or giving a urine sample, tell us right away. Many top-rated burial insurance companies offer no medical exam. They will only ask a few health questions and pull your medical records and prescription history.

You can now request an application to compare the terms and condition of each policy more carefully.

Policy applications include the same information you see on the instant quote form, only in more detail. You’ll also be asked some health questions so the insurer can check your level of risk.

Once you received the application, take a good look at the fine print. Most policies have an array of clauses and exclusions that can protect you or limit the insurer’s responsibility.

Be mindful of the waiting period if you choose to opt for guaranteed issue policy.

Some insurance carriers have a two-year waiting period, but some like Mutual of Omaha burial insurance has a 4 year waiting period on cancer. If you have special needs, consider increasing the scope of your coverage with policy riders.


How to apply for burial insurance? Step #5

After you found a company the fits your need, it’s the perfect time to apply.

Completing an application form will be the first step after you determine what type of policy you need and how much face amount would be best for you and your budget. The application can be in a paper form, telephone application or online form.

You will need to fill out an application with an agent either by phone or in person. The application process will usually take 10 to 20 minutes. You will need to answer basic questions like your name, birthday, age and address.

You will also find a comprehensive series of questions regarding your medical history and the kind of lifestyle you live.

You will also be asked about your social security number and driver’s license number. This information is needed for the life insurance company to access your driving records and medical history.

You will need to determine your beneficiary when you submit an application.

The beneficiary is the person who will receive the death benefit payout when you pass away. You will need to enter their name on the application so that the life insurance company can confirm their identity in the event of your death.

It is always advisable to have a contingent beneficiary in case something happens to your primary beneficiary.

Be honest when answering the application form; do not provide any false information.

If the insurance company discovers that you lied about your health status, or any risky sports that you participate in your policy can be canceled, and your premiums will not be returned.

Lying on your life insurance application is a fraud, and if the insurer finds out after your death, your policy will be nullified.


How to apply for burial insurance? Step #6

In some cases, you will receive a telephone health history interview with the staff member of the insurance companies to clarify some of the questions in reference to the information you give that they reviewed on your application form or medical records. A phone interview is a basic part of the insurance application process.

Phone screening is easy, and if you’re prepared, you can get it over within no time.

The life insurance interview is a way for the carriers to get a more accurate look at your risk, and make sure they have all the data they will need about you. The interview will also determine your final rates or how much it will be to insure your life.

In many cases, you will get a tentative approval on the phone after completing your phone interview.

Everything that’s said during the phone interview is confidential, so there’s no need to fear your personal information will be leaked.

The phone interview will only take 15 to 30 minutes, and it won’t take up much of your day. Also, if you have all the information at hand, it goes even faster.

Here’s the information you need to prepare:

  • Social security number
  • Driver’s license
  • Medical history information, including the doctor’s name and treatments
  • Prescription drugs
  • Other life insurance policies you have
  • Financial information like income and net worth
  • Citizenship documentation

Simplified issue and guaranteed issue life insurance policies are often approved on the spot with a telephone interview.


How to apply for burial insurance? Step #7

Purchasing a no medical exam option on a simplified issue policy does not mean you avoid the underwriting process. The life insurance companies will still check your medical background.

There are four ways to check your medical background:

  • Medical Information Bureau (MIB)
  • Prescription Check
  • Medical Records
  • Motor Vehicle Report

The underwriting results are dependent on several factors ranging from the insurance carrier, the type of policy, your health, and the face amount you requested.

Insurance carrier you choose – some carriers do a better job of getting applications turned around fast. Due to the volume of sales, the number of staff, and company culture, some carriers may take more time to process applications.

The type of policy – no exam policies simplified issue and guaranteed issue policies are generally turned around in less than 72 hours.

Since there is no medical exam, the underwriters have less to evaluate. They will only need to look at your prescription history and driving history. After the telephone interview, the application is generally approved.

Your health – applicants with more health issues often take longer to complete the application process. It is because APS or attending physician’s statements are often requested.  Doctor’s offices may ignore these requests unless you make a follow-up.

Face amount requested – the face amount requested also affects the turn-around time. The amounts may vary depending on your age and the carrier involved.

Simplified issue and guaranteed issue policies are often approved on the spot with a telephone interview.


How to apply for burial insurance? Step #8

The delivery requirement is the only thing that remains in the application process. It is usually made through an electronic signature. The application form will be emailed to you for a secure electronic signature.

You will also need to prepare a check if you did not submit the payment with the application form (or if you are having the premiums auto drafted out of your bank account).

Also, you will need to apply your signatures on any amendments to the policy. This might take a few minutes.


How to apply for burial insurance? Step #9

You are now finished with the application process. You can now sit back and relax. Once you are approved for insurance coverage, you will generally receive your policy within 10 days.

When you get the policy, you’ll have to sign it, set up payment, and send it back (unless you are having the premiums auto drafted out of your bank account…we recommend you pay your premiums this way).

After the first payment, you’re officially covered for life insurance!

You have a 30-day free look period to review your policy if there is something which isn’t to your liking you can change it, or you can get your money back. So whether you paid monthly, quarterly or annually, you will get your money back.

The nine steps listed here are fairly standard procedures on how to apply for burial insurance throughout the life insurance industry.

We understand how important a life insurance plan purchase is to our clients, so we strive to help you through this process quickly and efficiently.

We will streamline the life insurance application process to make it easy and hassle-free for you to let you have the policy in your hands as fast as possible.

It is best to work with an independent agency like Funeral Funds who can guide you through the entire process without you stressing out over every detail yourself.

If you’re ready to get burial insurance for seniors, you can start comparing quotes with the instant final expense quote on your left. If you want to request applications, give us a call at (888) 862-9456, and we will walk you through the entire process.


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