Some policies have waiting or graded-benefit periods. The length and amount payable during that period depend on the written policy; do not assume full benefits start on day one.
Waiting periods and benefit schedules differ by insurer and policy. Some policies may provide a full benefit from the effective date; others limit benefits for an initial period.
Questions to ask
- When does the policy become effective?
- When does the full death benefit begin?
- What would a beneficiary receive during any limited-benefit period?
Review the written policy with an insurer or licensed agent before applying. Guaranteed issue acceptance, where offered, still depends on meeting the policy’s eligibility rules.
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Burial Insurance Rates in Your Area
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