Buy Burial Insurance Online

What is Burial Insurance?

Burial Insurance is a terminology used to describe small amounts of whole life insurance, typically from $5,000 to $25,000.  It means the same thing as Final Expense Insurance, Life Insurance, and Funeral Insurance.  When you die, the money is paid to the person or entity you named on the application as your beneficiary.

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How To Purchase Burial Insurance Online

The first thing you need to do is figure out how much you’ll need to cover the cost of your burial, cremation and funeral service. When you buy Burial insurance, it’s actually a life insurance policy.  You may want to include a little extra if there’s room in your budget to pay for things like transportation and hotel reservations for you family.  If you’re planning a cremation or burial in another city or state, make sure you include the cost of shipping your remains too.

After you know how much you need, answer these basic questions:

Have you been treated, including taking medications for any of the following in the past 2 years:

  1. Heart or vascular conditions
  2. Diabetes with any heart condition or neuropathy from the diabetes
  3. Lung or any respiratory disorders
  4. Cancer, other than basil cell skin cancer
  5. Assistance with eating, dressing, bathing, toileting, continence or transferring from a bed or chair
  6. Neuromuscular disorders
  7. Memory or cognative disorders

If you answered “YES” to any of them,  you should apply for a guaranteed acceptance life insurance policy with no health questions.  Here’s the link if you want to apply for a Guaranteed Issue Burial Plan online

If you answered “NO” to all the questions, you’ll likely qualify for a “Level” death benefit and you should talk with an independent insurance agent to get the lowest premiums.

Preparation To Complete Your Application

  1. Compare quotes online using a Final Expense or life insurance quoting tool.  You shouldn’t need to enter any personal information to get a basic quote. Choose an amount that costs about 25% less than what you budgeted for.  You’ll want to give yourself a little leeway in case you don’t qualify for the preffered rates. You can always increase the amount of coverage after your approved.

  2. Decide who to name as your primary and contingent beneficiaries. Most people list a spouse or child over the age of 18 as the primary beneficiary A contingent beneficiary is the next person in line to receive the funds if the primary beneficiary is deceased.  In addition to your beneficiary’s name, you may need to provide some additional information like their relationship to you,  date of birth, address and phone number.

  3. Make a list of all the medical providers and facilities you used in the last two years. Include the reason why you saw them.
  4. Gather all of your prescription you filled in the last 5 years.

  5. Decide how you want to pay for you insurance policy.  You’ll need to enter your banking or card information securely online to complete the application.

Our #1 Recommendation for Guaranteed Acceptance Online Burial Insurance

Gerber Life an A+ rated company by A.M. Best offers up to $25,000 of Life Insurance.  There are no health questions! The amount is up to you,and the money is paid directly to your beneficiary.  If you choose to name a funeral home as the beneficiary thats OK too. You’re in control as long as you are the owner of the policy.

Gerber life has a several life insurance plans for children starting at birth and more recently Senior Guaranteed Acceptance Whole Life insurance.  The products are competitively priced and a good value for the money.  If you are looking for yourself late in life, consider purchasing it for your children or grandchildren too.  Gerber Life is is one of the best Final Expense Burial policies on the market today.

Guaranteed Acceptance with Gerber Life Final Expense Insurance

  • Whole Life insurance is offereed for ages 50 – 80
  • Choice of a Death Benefit from $5,000 – $25,000
  • Your acceptance is guaranteed
  • Pay by credit card, debit card, savings account or checking account
  • Builds cash value
  • Rates will never increase and the death benefit will never decrease
  • Available in all states except Montana

For the kids…The Grow-Up plan (Available for Parents and Grandparents to purchase)

  • Whole Life insurance for ages 14 days to 14 years
  • Death Benefit from $5,000 – $50,000 to age 121
  • Acceptance is not guaranteed* (see below)
  • Coverage doubles at no extra charge at age 18 with no premium increase
  • Builds cash value
  • Guaranteed optional increases with no health underwriting at ages 21, 25, 30, 35 and 40 up to a total of $450,000

*The Whole Life Grow-Up plan is not a guaranteed acceptance life insurance policy. Limited health underwriting applies.

Pros and Cons of Buying Burial Insurance Without an Agent

Pros of buying life insurance direct:

1. Convenience: Buying life insurance directly allows you to skip the hassle of dealing with intermediaries or agents. You can research, compare, and purchase policies without talking with an agent.

2. Cost savings: The cost is the same whether you use an agent or complete the process yourself.

3. Control: Buying life insurance directly gives you complete control over the decision-making process. You can choose the coverage that best suits your needs without any external influence.

4. Time: Complete the application process at your convenience whenever you have the time.

Cons of buying life insurance direct:

1. Limited guidance: Without an agent’s expertise, it may be challenging to navigate through complex policy options and understand all aspects of your coverage.

2. Lack of personalized advice: Direct purchases often lack personalized recommendations tailored specifically to your unique financial situation and goals.

3. Limited product range: Some insurers may only offer a limited range of policies when selling directly, which could restrict your options compared to working with an agent who has access to multiple insurers’ products.

4. Potential for mistakes: Without professional guidance, there is a higher risk of making mistakes during the application process or misunderstanding certain policy provisions.

It’s important to carefully consider these pros and cons before deciding whether buying life insurance directly is the right choice for you.

Should You Purchase Final Expense Burial Insurance Online?

Whether you’re considering a term life policy, whole life coverage, burial or funeral insurance, universal life, or final expense insurance, understanding these benefits can help you make an informed decision about your financial future.

Some consumers prefer not to talk to anyone and want a DYI experience for buying burial insurance.  This is a hassle free experience without any outside influence. With just a few clicks from the comfort of your own home or office, you can compare different policies from various insurers and choose one that best suits your needs.

You’ll have the same control over your policy management. You can easily update beneficiary information or make changes to your coverage as needed by accessing your account online or calling the company’s customer service department.

If you have any questions before or after you apply, you can always call and talk with our licensed agents at (614) 402-5160.

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