Burial insurance
It goes by several names — burial insurance, funeral insurance, final expense. They generally describe the same thing: a small whole life policy meant to leave your family cash quickly. Here's how it actually works.
No obligation. You’ll speak with a licensed insurance agent, not a robot.
The three types
This is the single most important thing to understand before you talk to anyone. Which type you qualify for depends on your health, and it changes when the policy pays.
Full coverage from day one. Requires answering health questions favorably. If you qualify for this, it is almost always the best value.
Pays a reduced amount if death occurs in the first two or three years, then the full amount. A middle path for moderate health conditions.
No health questions and nobody is turned down. In exchange, natural-cause death is typically not covered for the first two years, and premiums are higher.
Before you sign anything
A good agent will welcome all six. Someone who rushes past them is telling you something useful about how they work.
Tell them your age and health history and they'll tell you which type you'd likely qualify for. No obligation, no pressure.
Call (855) 000-0000Mon–Fri, 9am–7pm ETCommon questions
In practice, yes. The names are used interchangeably in this market. Both usually describe a small whole life policy with a modest face amount.
Commonly somewhere between $5,000 and $25,000. The right amount depends on what you're trying to cover and what premium fits your budget.
With a guaranteed issue policy, no. With level or graded coverage, it depends on your health history and which carrier reviews the application.
No. The benefit is paid in cash to the beneficiary you name, and they can use it however they need to.
Whole life coverage generally cannot be cancelled by the carrier as long as premiums are paid. Confirm this in the policy documents you receive.
We're an education and advertising site. We're paid a marketing fee by the licensed agency we connect callers to, not by you.