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★★★★★ 4.9 Verified Google reviews · 1,000+ families helped
“Honest, trustworthy, and truly takes the time to help you find the best coverage.”
— Gordon N. · Verified Google review

Find the right burial insurance for your family.

Compare real final-expense rates from 25+ A-rated carriers — even with health conditions. No medical exam, no pressure.

Phillip Chin, licensed broker
You work directly with Phillip Chin Licensed broker · NPN #8895251 Verify license at nipr.com
Step 1 of 4 · takes about a minute

How much coverage do you need?

Most families choose $10k–$15k for final expenses. Not sure? We’ll help you pick.

$10k
$15kpopular
$20k
$25k
$30k+
Not sure
No health quiz, no contact info to start
25+ A-rated carriers No medical exam No fees · never sold to lead vendors
Comparing top-rated carriers including
AetnaAmerican-AmicableGerber LifeCorebridgeAflacForesters FinancialRoyal NeighborsGTL
Phillip Chin, licensed insurance broker
Verified Licensed Broker
Meet your broker

You’re not calling a call center. You’re working with Phillip.

I’m Phillip Chin, an independent licensed broker serving families since 2008. I compare 25+ A-rated carriers to find the right fit for your health and budget — and I’m paid by the carriers, never by you. If guaranteed-issue isn’t your best option, I’ll tell you honestly.

NPN #8895251Independent brokerServing families since 2008No cost to you
Read Phillip’s story →
Simple & fast

How it works in 3 steps

No medical exam. No obligation. Real quotes from top-rated carriers in minutes.

1

Compare quotes

Tell us your coverage, age, and state. We pull real rates from 25+ carriers in seconds.

2

Talk to Phillip

One licensed broker walks you through the best options for your health and budget — no scripts.

3

Get covered today

Most applications take 10–15 minutes. Coverage can start the day your first payment processes.

Find coverage in your state

Burial insurance, state by state

Click your state to see the best final expense carriers, rates, and rules where you live.

Tap any state for a free quote. States in dark blue have a full local guide.

Coverage by health condition

Have a health condition? You can still qualify.

Most conditions still qualify for coverage — often with full day-one benefits.

Diabetes
Day-one likely
Heart Disease
Day-one if stable
AFib
Day-one coverage
Sleep Apnea
Easy day-one
Cancer History
Day-one after remission
Stroke
Day-one if not recent
COPD
Coverage available
Kidney Disease
Coverage at every stage

Don’t see your condition? We compare 25+ carriers to find one that covers you. Get a free quote →

4.9
★★★★★
Verified Google reviews · 1,000+ families helped

What families say about us on Google

K
Kelley S.
3 weeks ago
★★★★★

Very helpful with every question I had. Will recommend.

G
Gordon N.
3 weeks ago
★★★★★

Honest, trustworthy, and truly takes the time to help you find the best coverage.

C
Carolyn C.
3 months ago
★★★★★

My experience was great — Phillip was very knowledgeable about what I needed.

Live from Google via Trustindex — real, verified reviews.

Instant estimate

What might coverage cost you?

Adjust the options for a ballpark monthly rate. Final pricing depends on your health — get an exact quote in about two minutes.

Your age
Coverage
Tobacco use
$—/mo
Estimated whole-life final expense premium. Not a quote or offer of coverage.
Get my exact rate
Why families choose us

An easier, smarter way to shop

We work for you — not one insurance company. Here’s how that compares.

FeatureTheBurialInsurance.comDirect-Mail CompaniesSingle-Carrier Sites
Compare 25+ carriers at once✓××
No locked-in premiums or rising rates✓×Varies
Day-one full coverage options✓×Varies
Accepts hard-to-insure health conditions✓××
No high-pressure sales tactics✓×Varies
Licensed agent who knows your case✓××
Free quotes — no personal info required✓×Varies
Plan your coverage

Free tools to plan your final expense coverage

No personal info needed — get a ballpark in under a minute.

Will I likely qualify?

Answer 3 quick questions to see your likely path.

1. Your age

2. Serious conditions? (recent cancer, CHF, oxygen, dialysis)

3. Currently hospitalized or in a nursing home?

You’ll likely qualify for Level (day-one) coverage — full benefits from day one and the best rates.
See my real rates

Compare your three paths

The three main types of final expense coverage.

Level / Day-One

Waiting period: NoneBest for: Good–fair healthPrice: Lowest

Graded / Modified

Waiting period: ~2 years partialBest for: Some health issuesPrice: Moderate

Guaranteed Issue

Waiting period: 2–3 yearsBest for: Serious conditionsPrice: Highest — always approved
Good to know

Common questions

Can I get covered if I have health conditions? +
Almost always yes. Most conditions — including diabetes, heart disease, and COPD — still qualify, often with full day-one coverage. We compare 25+ carriers to find the one most likely to approve you at the best rate.
Do I have to take a medical exam? +
No. These are no-exam policies — approval is based on a few health questions, and many applications are approved the same day.
Will my information be sold or shared? +
Never. Your information is used only to prepare your quote and is never sold to third-party lead vendors. You work directly with Phillip.
How much does coverage cost? +
Most final-expense policies run roughly $30–$185/month depending on your age, coverage amount, and health. Your exact rate is confirmed on application — no exam required.
How quickly can I be covered? +
Often the same day. Most applications take just 10–15 minutes by phone, and many are approved on the spot. Once your first payment goes through, your coverage is active — your family is protected right away.
Will my rate or coverage ever change? +
No. These are whole-life policies, so your premium is locked in for life and never goes up — even as you get older or your health changes. The coverage never expires as long as the premiums are paid.
How much coverage do I need? +
Most families choose between $10,000 and $20,000 — enough to cover a funeral (which averages $7,000–$12,000) plus a little extra for final bills. Phillip will help you pick an amount that fits your budget, with no upselling.
Is there a waiting period before it pays out? +
Not always. If you’re in reasonable health, many policies pay full benefits from day one. If you have serious health conditions, some plans have a two-year waiting period — Phillip will tell you up front which one applies to you and find your best option.
What can my family use the money for? +
Anything they need. The payout goes straight to your beneficiary with no restrictions — funeral and burial costs, medical or credit-card bills, or everyday living expenses. They decide how to use it.
Is “burial insurance” the same as “final expense” or “funeral insurance”? +
Yes — those are all names for the same thing: a small whole-life policy built to cover funeral and end-of-life costs. Pre-need or pre-paid funeral plans are different — those are tied to one funeral home. Burial insurance pays cash directly to your family, so they can use any funeral home and keep whatever is left over.
Is there an age limit to apply? +
Most carriers accept applicants from about age 45 to 85, and some go up to 89. Even if you have been turned down elsewhere because of your age, Phillip works with companies that specialize in older applicants — there is almost always an option.
Can I be turned down? +
Rarely. Most people qualify for standard coverage, and for those with serious health issues there are guaranteed-acceptance plans that cannot deny you for health reasons. Phillip compares 25+ carriers to find the one most likely to approve you.
How does my family actually receive the money? +
It is simple. Your beneficiary calls the insurance company, sends in a copy of the death certificate, and the company pays the claim — usually within days, by check or direct deposit. There is no probate and no long wait.

Get your free burial insurance quote

No medical exam. No pressure. Phillip compares 25+ carriers so you don’t have to.

Get my free quote

Questions? Talk directly with Phillip.

Call (866) 255-5775
TheBurialInsurance · NPN #8895251
No Medical ExamFree Service25+ Carriers
Phillip Chin is a licensed independent insurance broker (NPN #8895251). Verify anytime at nipr.com. TheBurialInsurance.com is an independent brokerage and is not affiliated with or endorsed by any government agency, including Medicare, Medicaid, or the Social Security Administration. Guaranteed acceptance (graded death benefit) policies do not pay the full death benefit if death occurs within the first two years from non-accidental causes. Your information is never sold to third-party lead vendors.
© 2026 TheBurialInsurance.com — All rights reserved.
Carriers We Work With
Comparing 25+ top-rated burial insurance carriers — so you don’t have to
Mutual of Omaha Aetna Transamerica Gerber Life American Amicable Foresters Financial SBLI Prosperity Life Baltimore Life Royal Neighbors
17+Years Experience
25+Carriers Compared
50States Licensed
$0Broker Fee

Independent burial insurance specialists helping families find affordable final expense coverage since 2008.

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Mon – Fri, 9am – 6pm CT

NPN: #8895251

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TheBurialInsurance.com is an independent brokerage specializing in final expense insurance. We compare 25+ A-rated carriers to find the most affordable burial insurance for families. Our service is completely free — we are compensated by the carriers, never by you.

✓ No Medical Exam ✓ Free Service ✓ 25+ Carriers

Phillip Chin is a licensed independent insurance broker (NPN #8895251). You can verify this license anytime at nipr.com.

TheBurialInsurance.com is an independent brokerage and is not affiliated with or endorsed by any government agency, including Medicare, Medicaid, or the Social Security Administration.

Guaranteed acceptance (graded death benefit) policies do not pay the full death benefit if death occurs within the first two years from non-accidental causes. During that period, most carriers return all premiums paid plus 7–10% interest. Ask for the exact terms of any policy before you buy.

Your information is never sold to third-party lead vendors.

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