Burial Insurance Questions
Answers to the most common questions about burial and final expense insurance.
What Does Burial Insurance Cover?
Burial insurance covers funeral and final expenses — cremation or burial, casket, funeral home services, flowers, transp...
Read Answer →How Much Does Burial Insurance Cost Per Month?
Burial insurance costs $30-$70 per month for $10,000 in coverage, depending on your age, gender, and health. A 65-year-o...
Read Answer →Is Burial Insurance Worth It?
Yes, burial insurance is worth it if you don't have savings to cover funeral costs ($7,000-$12,000) and don't want to bu...
Read Answer →What Is the Difference Between Burial Insurance and Life Insurance?
Burial insurance is a type of whole life insurance with smaller coverage ($5,000-$25,000), no medical exam, and simplifi...
Read Answer →Can You Be Denied Burial Insurance?
You can be denied simplified issue burial insurance if you have serious health conditions like terminal illness, recent ...
Read Answer →What Happens If You Can't Afford a Funeral?
If you can't afford a funeral, options include direct cremation ($1,000-$2,000), county burial assistance, Medicaid fune...
Read Answer →Do You Need a Medical Exam for Burial Insurance?
No. Most burial insurance policies do not require a medical exam. Simplified issue policies ask 8-15 health questions bu...
Read Answer →How Long Does It Take to Get Burial Insurance?
Burial insurance approval takes 1-7 days for simplified issue policies. Many carriers offer same-day approval with cover...
Read Answer →Can I Get Burial Insurance for My Parents?
Yes, you can buy burial insurance for your parents, but they must consent and sign the application. You can pay the prem...
Read Answer →What Is Guaranteed Issue Life Insurance?
Guaranteed issue life insurance accepts everyone ages 50-85 with no health questions and no medical exam. Approval is au...
Read Answer →What Is Simplified Issue Life Insurance?
Simplified issue life insurance requires answering 8-15 health questions but no medical exam. If you qualify, coverage s...
Read Answer →Does Burial Insurance Have a Waiting Period?
Simplified issue burial insurance has no waiting period — coverage starts immediately. Guaranteed issue policies have a ...
Read Answer →Can I Cancel Burial Insurance and Get My Money Back?
Yes, you can cancel burial insurance anytime. During the "free look" period (10-30 days), you get a full refund. After t...
Read Answer →What Is the Best Age to Buy Burial Insurance?
The best age to buy burial insurance is as soon as you need it — ideally in your 50s or early 60s. Rates increase signif...
Read Answer →Does Burial Insurance Pay for Cremation?
Yes. Burial insurance covers any final expense, including cremation. Despite the name, "burial" insurance isn't limited ...
Read Answer →Who Pays for a Funeral If There Is No Money?
If there's no money, funerals are paid by the estate (any assets), family members (not legally required but often expect...
Read Answer →What Is Final Expense Insurance?
Final expense insurance is whole life insurance with small coverage amounts ($5,000-$25,000) designed to cover funeral c...
Read Answer →Is AARP Burial Insurance Any Good?
AARP burial insurance (underwritten by New York Life) is legitimate and financially stable, but rates are not the lowest...
Read Answer →What Is the Cheapest Burial Insurance?
The cheapest burial insurance comes from simplified issue policies with independent carriers — not big brand names. Rate...
Read Answer →How Do I Choose the Right Burial Insurance?
Choose burial insurance by: 1) determining coverage needed ($10,000-$15,000 for most), 2) comparing 3+ carriers, 3) choo...
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