Burial Insurance FAQ:



  • Do I need a medical exam to qualify for coverage? No.
  • Do I have to answer health questions in order to qualify? No
  • Do I need to give blood and urine specimens to the insurance company? No, just contact information.
  • Will the company look at my medical records? No. They assume your health is bad
  • Once I get coverage, can my premiums increase? No. Most policies offer level premiums.
  • Can my policy be cancelled? Only if you don't pay your premiums.
  • Can I be declined? Never.
  • Can anyone get graded life insurance? Yes, unless you are over 85-90 years of age.
  • When does my coverage begin?  The postmark on the payment, and if you answer no to all the questions.
  • What if we aren't ready to make funeral plans?  Burial policy benefits usually get paid out to the beneficiary, so you don't have to make plans at the moment.
  • Do I qualify?  Yes, unless you have a serious illness or are in a nursing home. In that case, you would want a guaranteed issue or graded life product.
  • How expensive is it?  Because burial coverage is low benefit, premiums usually run from $10-80 per month.
  • Shouldn't I buy a graded policy?  Only if you have a serious illness that will get you rejected from a burial policy.

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