Whether burial insurance is worth buying depends on your savings, existing coverage, the written policy, and funeral prices from providers you might use.
Compare the total premiums you could pay with the benefits and limits in the written policy. Consider savings and other coverage available to your family. The amount payable can depend on when death occurs and any waiting or graded-benefit period.
For funeral costs, request itemized General Price Lists from local providers. The FTC Funeral Rule explains your right to price information. A sitewide funeral estimate is not a written local provider price.
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