Best Burial Insurance Companies of 2022


Funeral insurance has been a significant topic of debate over the last three decades. Since that it is one of the most expensive aspects of dying, it should come as no surprise. How familiar are you with burial insurance, though?

Continue reading to see which firm is considered to be the finest for this kind of coverage in 2021!

According to the National Funeral Directors Association, the average cost of an adult burial in America is $7,191, but as we all know, funeral costs can reach six figures and beyond.

What is the total amount covered by your current life insurance policy? If that’s not enough, keep reading since two businesses with great rates will be mentioned.

What is Burial Insurance or Burial Expense Insurance

Lisamarie is my name. I am a field underwriter with a state licence. With this essay, I want to achieve a few things.

Initially, define burial insurance policies.

Secondly, for whom they are intended. Finally, who the leading carriers are in terms of the ultimate cost.

The practise of life insurance and ultimate expense insurance, or burial insurance as it is most commonly known, has undergone significant change in 2019.

Not at all an enjoyable subject. The first item you should truly take care of is, however, the last thing you want to worry about.

Above all, you should aim to finalise a funeral plan before becoming 75 or older.

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Who Needs Burial Insurance

We have to be ready for anything.

In general, life insurance serves this purpose. It’s not for us; it’s for the people we leave behind, our loved ones.

It is the same with burial insurance.

It is, however, frequently an add-on policy. Term or whole life insurance is something that many of our clients have.

There are also a lot of individuals who, although being in their golden years, just never purchased any kind of life insurance and now wish to give their family a little financial breathing room to aid with funeral costs.

Your face amount for burial insurance might range from $2,000 to $40,000 depending on the company and their policies. Being a financial burden to your family is the last thing you want to do.

A burial insurance coverage will assist with paying for funeral expenses, cremation expenses, hospital expenses, unpaid debts, or even legal expenses.

We always advise our clientele, something is better than nothing. even if you bought a $5,000 insurance coverage. This will undoubtedly bring your family some relief during this trying moment.

When a partner passes away, we frequently get inquiries from the widow or widower looking for information about funeral insurance.

Sadly, they come to see the value of having an insurance in place only after they have prepared for the funeral of their beloved spouse. handling those financial matters while feeling overburdened by the decision-making process when selecting funeral homes, funeral directors, etc.

You are aware that you do not want to leave your loved ones with that financial burden after your passing.

Why Do People Pre-Plan Their Funerals

Nobody enjoys discussing death. Therefore, it is advisable to make these preparations in advance.

It gives your family member/members a financial strategy. If you’ve ever had to plan a funeral, you know how difficult it can be.

Here is a suggestion for how to streamline this procedure.

Many financial choices must be made in addition to your funeral services.

Having a member of your family or a financial expert assist you in finding what has to be taken care of is advised. Your bank account, any debt, including credit card debt, and any paperwork related to tax returns are things to think about getting in order initially.

If your spouse passed away, you may be eligible for survivor benefits to support you through this trying time.


Some of the top A-rated final expenditure insurance businesses are represented by the carriers listed below. By state, availability does differ.

Your independent agent or state-licensed field underwriter can talk to you about the states and product features. Let’s look at this…


  • Royal Neighbors
  • Prosperity Life
  • Sentinel
  • Liberty Bankers

Prosperity Life:

  • A business that has been in operation since 2009.A.M. Best has rated it A- Good the following services to our clients:
  • Range of coverage: $1,500–$35,000.
  • Available for people aged 50 to 80.
  • The reassurance that the premium won’t go up
  • a 30-day money-back promise
  • You are always protected by a permanent solution.
  • The face amount you select must be suitable for you and your family.
  • Any purpose may be used to borrow cash value.
  • Lifetime premiums that are guaranteed
  • Obtain 50% of your death benefit if you are diagnosed with a terminal illness (not available in CA at this time)

Prosperity New Vista Voice

An incredibly cool and straightforward solution to finish your application is provided by Prosperity.

Unless you live in the state of New York, paper applications are no longer accepted.

We now have voice signature apps in 2019! New Vista Voice is the brand name of this item. It simply cannot get any better than that, in my opinion. Most of my clients—95%—are elderly. Few people have access to personal computers at home.

As a result, in this scenario, if my customer is eligible for numerous carriers but lacks a computer or email to electronically sign their application (we will also talk about this later), I can recommend a provider that offers voice signature.

The procedure is excellent.

We conduct a three-way chat with an insurance company representative, your agent, and of course you.

In addition to requesting some basic information like name, phone number, and address, they will also ask a brief series of medical and lifestyle questions.

This phone call lasts between 15 and 20 minutes.

Immediately after completion, authorisation will be granted.

These may, on rare occasions, require additional underwriting review.

To get more information from you, the representative will get in touch with an underwriter.

You will either receive an approval or a denial at the conclusion of the call.

Mutual of Omaha:

  • A top-notch business with an A+ Superior rating from AM Best.
  • Living Promise offers two strategies:
  • Age 45–85 level benefit scheme.
  • Face Amounts of $2,000 to $40,000 ($5,000 to $40,000 in Washington)
  • if you have a terminal illness or are confined to a nursing home, you will receive the hastened death benefit.
  • Meaning that if you are ultimately found to have a terminal condition that will cause your death within 12 months or fewer after the date a doctor signs a statement of proof of sickness, you will receive a one-time expedited benefit.

Plan with Graded Benefits from Mutual of Omaha

  • Available to people 45 to 80. (in NY 50-75)
  • Face sums between $2,000 and $20,000 ($5,000 to $20,000 in WA)
  • With a graded death benefit, the beneficiary will get all premiums paid into the insurance plus 10% if death occurs during the first two years due to natural causes. The full benefit will be provided for deaths from all causes after two years.
  • The beneficiary will be given the whole payment if an accident kills them during the first two years.

Royal Neighbors of America:

  • 50-85 (age last birthday) (age last birthday)
  • 20-day free look period for face amounts ranging from $5,000 to $25,000.
  • One problem, entire life
  • Complete face death benefit. Face amount + any post-death premium payments. Past-due premiums through the month of death will be subtracted from the face amount before the payment is made if the policy is in the grace period.
  • Graduated Death Benefit: Unless death is accidental, the death benefit is restricted for the first two years.
  • in the first year, 30% of the face amount
  • Second year: 70% of the face amount
  • Except in Arkansas, the death compensation is 100% in cases of accidental death.
  • Through a telephone chat, sponsored

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Sentinel Security Life Insurance Company

New Vantage I:

  • Optimum health
  • After insurance issuance, immediate full whole life coverage
  • Reasonable prices

Vantage II:

  • Once obtained, whole life insurance covers minor health conditions.
  • A modified benefit plan that pays a death benefit of 70% of face value in the second policy year and 30% of face value in the first policy year if the policyholder dies during the first policy year.
  • If a death occurs during the third policy year, the entire face amount of the insurance is payable.

Latest Vantage III:

  • Affordable health insurance for people in need.
  • A modified benefit plan that, in the event of a death within the first or second policy year, pays out 100% of the premiums paid plus 10%.
  • If a death occurs during the third policy year, the beneficiary will be given the full face value of the policy.

Corporation for Sentinel Security Life Insurance

PO Box 27248

84127 Salt Lake City, Utah

(801) 484-8514

AIG (American General life insurance company)

There may be situations when your health isn’t ideal and you don’t meet the requirements of the aforementioned carriers.

It’s a great idea to consider AIG Guaranteed Issue Life Insurance Company. This is a Guaranteed Acceptance Policy. There are no health-related questions or tests, either.

24 months are evaluated in the general life insurance company’s time frame. This means that all premiums put into the policy will be reimbursed to the beneficiary PLUS 10% if death happens during the first 24 months due to natural causes.

When an accident results in death, the issuing insurance company pays the beneficiary the entire death benefit.


You can, indeed.

You will experience some form of financial loss in the event that your parents pass away as long as there is “insurable interest,” according to what this term signifies.

In other words, you are in charge of your financial obligations.

A whole life inexpensive burial policy is the best option at this point.

Having a million-dollar policy or a 30-year term policy would be pointless.

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The loss of our parents will be painful.

One of the most crucial things you can do for your parent or parents is to be financially prepared in case you have a financial responsibility for funeral expenses.

Life insurance purchases can be intimidating.

There are a lot of options, including universal life insurance, permanent life insurance, and term life insurance with maturities of 10, 20, and 30 years.

More than ever, getting a life insurance quotation is straightforward. You choose the level of coverage you require, give us a call, and permit us to inquire about your health and lifestyle.

This aids in identifying the ideal final expense insurance for your demands and those of your family.

Can I buy Burial Insurance for my Parents

A last expense or burial policy is the best alternative for our parents’ life insurance, to put it briefly.

Of course, call me if you have any questions.

I’m here to respond to all of your inquiries and walk you step-by-step through the purchasing of burial insurance.

Burial Insurance with Pre-Existing Conditions

Not all medical ailments or health issues will be a concern when requesting life insurance coverage.

You must, however, tell your independent agent the truth in all respects.

In order to accurately establish the rate class and narrow down the best carrier, the information you supply throughout the insurance application process is essential.

Your price will ultimately depend on this as well.

Many clients believe that they will face a high chance of denial if they disclose to the agent that they have heart illness. The opposite is not always true. There are certainly a lot of health issues that could result in a graded policy or even an option that is restricted, like a guaranteed acceptance policy.

It is advisable to be completely honest while applying for final expense insurance. You don’t want any unpleasant shocks while underwriting is being done and a MIB check is being done.

Whether you qualify for a level, graded, or guaranteed acceptance coverage will affect your insurance costs. As there is no “one size fits all” approach to life insurance, it is crucial that your agent gather all relevant data during the process in order to help you the most.

Facts about Buying Burial Insurance

  • The term “final expense insurance” also applies to burial insurance.
  • A streamlined whole life insurance policy that stays level over the course of your life is burial insurance.
  • Depending on the carrier you select, typical coverage amounts range from $1,500 to $40,000.
  • No medical checkup is necessary.
  • The recipient will get the entire death benefit within 48 to 72 hours of the insurance company receiving copies of the death certificate.
  • Assurance that you have taken the necessary steps to shield your family from financial hardship.


The typical funeral expense in most states is roughly $9,000.

I represent you as a comparison shopper with different insurance providers/plans.

You will know if you qualify, the best plan that is accessible to you, and the most reasonable charges at the conclusion of a call with me.

Never again will prices be as low as they are right now. Why? since rates increase as you age. Better than nothing is having something in place.

Note that “Go Fund Me” is not a form of funeral insurance.

Lisamarie is my name. I work at PinnacleQuote Life Insurance Specialists as YOUR PERSONAL State-Licensed Field Underwriter.

The headquarters of PinnacleQuote are in St. Johns County, St. Augustine, Florida. 49 states have granted us licences.

We are a family-run company. PinnacleQuote’s owner, agent, and founder, Danny Ray, has more than 25 years of experience. I have therefore gained knowledge from the very finest!

I work as a senior specialist with PinnacleQuote. I handle the field underwriting for the best insurance companies, so I’ll know exactly who to help you qualify with and who can provide you with the BEST burial insurance estimates.

Helping you reach your goals for burial insurance is my passion.

For further details, give me a call or send me an email. 2. (855) 380-3300.

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It is never too early to begin considering life insurance. After you pass away, the Best Burial Insurance Companies of 2021 will look after your family, but they won’t do it for nothing. You must have a strategy in place, and the best way to do so is to collect quotations from as many businesses as you can in order to select the ideal one with affordable prices particularly for you! Since 1887, our team has provided high-quality funeral coverage, and we want to do the same for you. Fill out our quotation request form or contact us at (855) 380-3300 to get started right now.