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Secure Your Peace of Mind

We exclusively collaborate with burial insurance companies regulated by the state, ensuring:

• Guaranteed level premiums (no premium increases over time)
• Guaranteed level death benefit (benefits never decrease) These companies include well-known names like Mutual of Omaha and AIG, along with other robust companies offering equally strong guarantees in their burial insurance plans.

Our recommendation will always steer you towards the most cost-effective plan approved in your state. Remember, each burial insurance plan assesses risk differently. Thus, the plan we offer may vary from what your friend, of the same age, has. Ours could be more or less expensive, contingent upon your health circumstances.

Now, let’s address some common queries:

What Is Burial Insurance?

Burial insurance, typically ranging from $8,000 to $15,000, constitutes a modest whole life insurance policy aimed at covering final expenses such as burial costs or outstanding debts.

The beneficiaries receive the death benefit tax-free from the insurance company, usually within days after a claim is filed, provided the policy has been active for at least two years and has surpassed the contestability period. In the unfortunate event of a claim within the initial two years, although the insurance company will still pay out, the process might take slightly longer to ensure application accuracy.

Why Should I Buy Burial Insurance?

Most individuals opt for burial insurance to alleviate potential financial strain on loved ones in the event of their passing. However, if you possess adequate savings and your loved ones wouldn’t be financially encumbered by burial expenses or any outstanding debts, burial insurance may not be necessary.

Are There Waiting Periods to Receive Benefits?

For individuals in average or better health, there are typically no waiting periods, meaning beneficiaries receive the death benefit immediately upon claim. Even if you have controlled health issues, there’s usually no waiting period.

However, severe or uncontrolled health complications may trigger a graded death benefit period, usually spanning two years. During this period, a portion of the death benefit is paid out if a claim arises. After two years, the full death benefit is disbursed. If an incident occurs within the initial two years, the insurance company would pay a partial death benefit, while beneficiaries would receive the premiums paid plus interest.