Best Final Expense Insurance for Burial Expenses

final expense insurance

Finding affordable Final Expense Insurance for burial expenses can be a difficult task.  We will address some common questions will we address for you to make the process of finding Final Expense Insurance smoother.

  1. How to buy Final Expense Insurance?
  2. What type of Final Expense Life Insurance to buy?
  3. How to apply for Final Expense Insurance for Burial Expenses?
  4. What kind of questions will be asked on the Final Expense Insurance application?
  5. How much Final Expenses Insurance can I purchase?
  6. Which companies are best?


How to buy Final Expense Insurance?


Here are a few different ways you can purchase Final Expense Insurance:

1) Use an online Independent Insurance broker

2) Buy direct from an Insurance Company

3) Use local Agent or Broker

We suggest ALWAYS buying Final Expense Insurance for burial expenses from a local or online Independent Broker. Why is this? When you ONLY have access to ONE company unfortunately you have to accept the price given and their underwriting decision regardless. So this basically means you don’t have a lot of options but to take it or leave it. What happens when this Company doesn’t see eye to eye with your current health situation? I can tell you what will happen… you WILL pay more and more times than not you will be given less coverage than you could get elsewhere.

Using an independent broker sets you up for success.  Most independent brokers like Assurance Life have access to numerous Final Expense Insurance companies. This important for you because our licensed agents WON’T just sell you a policy but rather find you a plan that’s BEST FOR YOU. Let me repeat that… we will find you the BEST plan that fits your current health condition and ALWAYS this results in the BEST price.

What type of Final Expense Insurance to buy?


When shopping for Final Expense Insurance you will have two options to choose from: Simplified Issue and Guaranteed Issue Plans.

Simplified Issue Final Expense Insurance policies are fully underwritten whole life insurance plans. These plans DON’T require medical exams which is why the process is SIMPLE. Simplified Issue plans will ask basic yes or no health questions and your approval time will be super quick.

Guaranteed Issue Plans are Final Expense Insurance plans where the applicant is PRE-APPROVED. These plans don’t ask ANY health questions so regardless of your health situation you are accepted. The cost of these plans are more expensive and ALL have a waiting period before the death benefit is paid out. Assurance Life can offer Guaranteed Issue Plans up to age 85.

How to apply for Final Expense Insurance?

Start to Finish, this process won’t take long. First, Assurance Life will shop all of our Final Expense Insurance companies and find you the best rate based on your current health. Next, a quick health questionnaire is taken and with MOST companies this will ALL happen over the phone or online.

Of course, if you are applying for a guaranteed issue plan no health questions will be asked. Once your application is complete, some companies will require a quick phone interview. These interviews are mainly just confirming your answers from your health questions from your application. The underwriters will also take a quick look at other medical history available to them at this time also. Your approval is usually given by the end of the call. It’s that SIMPLE!

What kind of questions can I expect on the application?


The application confirms basic information such as Age, Height, Weight, Tobacco use, etc. Here are some examples of some health questions asked on Final Expense Insurance applications:

  1. Within the past 2 years have you been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for heart attack?
  2. In the past 2 years, have you been diagnosed or treated for, or are you currently under treatment for liver disease (including hepatitis B or C)
  3. Is the proposed insured currently confined to a wheelchair?
  4. Has the proposed insured used any nicotine products in the past 12 months (excluding occasional cigar/pipe use)?

How much Final Expenses Insurance can I purchase?

Assurance Life has companies that will offer amounts as low as $2000 and up to $100,000. The lower amounts are great for individuals who may already have some coverage in place but not enough to cover ALL their final expenses. Remember… your final expenses could include: funeral expenses, unpaid debts, medical bills etc. Also, you can plan ahead to leave some monies to family members or other loved ones. Most Assurance Life customers purchase $10,000 to $15,000 to cover their final expenses.

This is because most funerals will have expenses in this range. If you are currently under 50 years old and applying for Final Expense Insurance, we might recommend you choose a higher amount  since funeral costs will continue to rise. However, it’s best to let a specialist help you determine the exact amount of insurance you will need based. Contact one of our licensed specialist at the 800 number on the top of the page..

Why Assurance Life?

Assurance Life ONLY specializes in Final Expense Life Insurance and burial insurance. We’re a funeral insurance comparison service which means we don’t represent just one insurance company. We have access to over 25 of the nation’s top rated burial insurance companies including AIG, Liberty Bankers Life, and Mutual of Omaha just to name a few.

The most important thing to understand is we work on behalf of YOU and not any one company. Our goal is always to find the best rates available on the market. Let Assurance Life help you find the best Final Expense Insurance plan for your funeral expenses. When we compare quotes from many companies, we get you the best rates, regardless of your current or past health problems.

We even have GUARANTEED ISSUE plans where everyone is approved. These guaranteed issued final expense plans are great for those with severe health conditions. Regardless of your current situation, Assurance Life is here to help. Call us at 800-517-0810 and one of our licensed specialist will be happy to assist you.