Funeral Insurers

Frequently Asked Questions


Our Funeral Insurance Frequently Asked Questions will give you quick answers to the questions we hear the most. If you have a question that doesn’t appear below, please don’t hesitate to let us know. We also encourage you to visit our Funeral Insurance page. This page offers a comprehensive discussion of options and tips on shopping for funeral insurance, including practical tools for determining how much your funeral might cost and getting a quote for funeral insurance.

The most important benefit of funeral insurance is financial security for your family. According to the 2013 General Price List Survey by the National Funeral Directors Association, the average cost of a traditional funeral is over $8,343. This number doesn’t even include cemetery costs. A traditional funeral can easily cost $10,000 or more. Covering funeral costs is a heavy financial burden for most people, especially if it comes unexpectedly and at a stressful time. Having a funeral insurance policy protects your family against this financial hardship. It also avoids the added stress of paying for final expenses while dealing with their grief.

Funeral insurance is inexpensive. Commonly available from $30-$50 per month. No matter what your budget, there is a plan for you, and our agents will find you the maximum coverage possible!

PreNeed insurance is similar to funeral insurance, but they are tied to a preneed contract with a funeral service provider. A preneed contract is a statement of goods and services contract you sign with a funeral service provider when purchasing preneed funeral insurance. It itemizes the specific funeral services and products you selected for your funeral.
For covering a funeral, in most cases we recommend a whole life policy, but we can put you in any type of policy depending on your needs. We have level plans, guaranteed issue plans, and everything in-between! (edited) 
Yes! Our agents have plans that you will qualify for no matter what, even if you have preexisting conditions!
Carriers require a form of electronic payment. This could be set up through your bank automatically through a checking or savings account. If you need to use a credit card, debit card, or direct express, we have carriers that accept that form of payment too!

Not necessarily.  When the holder of the insurance policy dies, the beneficiaries can use the funds in any way they desire.  This is why it’s important to have a plan in place with your loved ones.  Any money left over can be used how you or they wish.

It’s important to remember that funeral insurance is highly regulated, so it’s hard to score “deals.” If you find something that looks too good to be true, you probably need to look at it more closely. It probably isn’t what you want or need. You can use strategies to lower your premiums, such as scaling back your service, locking in today’s prices through a preneed contract, or choosing term over whole life. We highly recommend that you create a funeral plan to help you think about what products and services you need. You may want to visit our page on funeral costs to learn more about how much money you need to set aside.

You can purchase a funeral insurance policy through an insurance agent or a funeral service provider such as a funeral home. Some insurance companies sell the policies directly as well. Many people prefer to use an agent since it gives them a more personalized way to get customer service. There are many online sources for funeral insurance. This website, for example, offers a portal to policies provided by Gerber Life and Mutual of Omaha. We hope that you will consider requesting a quote here since we believe the policies provided by these companies are among the best out there. Click here to get an instant quote.

You may be able to do the whole process online, but it is always best to talk with an agent to ask questions, get clarifications, and make sure that you understand exactly what you are buying. One good strategy is to request a quote online and then talk with an agent. This way, you can be confident you are getting the best policy for you at the best price. An independent agent (also called a broker) is typically self-employed and represents a variety of companies. An exclusive agent represents only one company and may be an employee of the company they represent.

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