Best Burial/Final Expense Insurance & Service

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What is Final Expense/Burial Insurance and How They Work

Burial Insurance and Final Expense insurance are the same thing.  Final Expenese insurance is a whole life insurance policy.  These policies are very simple with few moving parts.  This means they are easy to understand.      
Burial Insurance never has an exam.  There is no need to go to a doctors office or have a nurse come to your home to adminsiter an exam.  You never need to provide blood or urine samples.  In fact, the application consits of only a series of yes no questions.  Many times approval and coverage can be placed on the same day applied for.  Appling is very easy too.  We do it all over the phone.

The monthly premium can never increase, even as you get older or if your health changes.

Your policy will never expire at any age. 

The Death Benefits can never decrease.  GUARANTEED!

Benefits are tax-free.

What Are My Options of Coverage

Level Benefits with First Day Coverage

A level benefit with immediate day one coverage means the benfit you purchase will never decrease and most importantly in our opion you will have coverage from the very first day.  All companies ask different health questions and becuase of our experience in the burial insurance industry, we know which companies are likely to provide a level benefit with first day coverage for certain health conditions.    For example, if you purchase a $10,000 death benefit policy and happen to pass away on the first day of your coverage being effective, the insurance company will pay the full $10,000 death benefit.  

Graded Benefit Plan

Graded Benefit plans have immediate death benefits from the first day, but they will pay a percentage of the full death benefit during the first two years.  Usually companies will pay 30% of the full death benefit if death occurs during the first 12 months of coverage and 70% of the full death benefit during the second 12 months of coverage.  Starting on the 25th month of coverage, the policy will then pay the full death benefit purchased.   A Graded Benefit plan is offered to applicants that answer at least one of the health questions on the application “yes.”

Modified Plans
Never purchase a Modified Benefit Plan (see blog post why)

Modified plans, like graded benefit plans will not pay the full death benefit during the first two years.  Instead of paying a percentage of the full death benefit, a modified plan will return the premium that was paid up until the death of the insuraneed plus a percentage.  Most companies will pay return of premium plus an additional 10%.

Applying for Coverage is easy. . .

When using the Right Professional
First Step– Use our quote engine to get an idea of death benefit and cost you are interested in.  
Second–  Contact us to have a preliminary underwriting conversation.  A list of your prescriptions will be bery helpful.  This will let us know which company will be best for you.  Remember, the main difference between companies is how they underwrite certain health conditions.
Third– Answer health questions and input your information to the online application from company that will fit your health the best.
Fourth– In most cases, a 3-way call with the health insurance company will take place next.  They will confirm your information and health.  A decision on your application could be made at this time.
This whole process usually takes around 20 minutes.    

How to Get the Best Price on Your Burial/Final Expense Insurance

Contact an independent agency specializing in Burial/FInal Expense Insurance with deep knowledege of how different companies underwrite different conditions.  Being able to shop for the best price is only a very small part of what we do. 
Our true expertise comes from our knowledge of how the different companies underwrite the different conditions. 
For example, it is important to know which companies will provide a Level Benefit with first day covereage for diabetics taking insulin. 
Those individuals that may be obese (Pro Advice.  Some companies don’t ask your height and weight). 
Which companies will offer you a Level Benefit with first day coverage if you had cancer, heart attack, stroke.
This is were the knowledge of a professional will go to work for you.