What Is Burial Insurance and why do I need it?
Burial insurance — also called final expense insurance — is a small whole life policy designed to cover one specific cost: dying. A funeral in the U.S. averages $7,000 to $12,000. That bill arrives at the worst possible moment, when your family is already grieving. A burial insurance policy puts cash in their hands within days so they can focus on each other instead of scrambling for money.
Policies typically range from $5,000 to $40,000. No medical exam is required. Your premium is locked in for life and never goes up. The coverage never expires. Most applicants get approved the same day they apply.
Why use theBurialInsurance.com to acquire coverage?
Most insurance websites you find online are owned by a single carrier. They show you one option: theirs. We are an independent agency. We work with 25+ top-rated companies and our only job is to find the policy that actually fits your age, health history, and budget — not the one that pays the highest commission.
What benefits are there to getting it?
People buy burial insurance for one reason: they do not want their family to deal with a $10,000 bill the week they are also planning a funeral. The policy pays out fast, it never expires, and it costs far less than most people expect. Here is what you actually get.
Real rates, real conditions, real people
We can help even if you’ve been turned down before
Many of our clients were told they couldn’t get coverage — by a direct-mail company, a bank, or an agent who only worked with one carrier. The truth is that different insurance companies look at the same health history very differently. We know which ones say yes.
Sample rates by age — $10,000 coverage (non-smoker)
Rates below are approximate for healthy applicants. Your exact rate depends on health history. Call us or get a quote online for your specific number.
| Age | ★ AFLAC | Aetna | Am. Amicable | Transamerica |
|---|---|---|---|---|
| 60 | ~$33/mo | ~$41/mo | ~$36/mo | ~$38/mo |
| 65 | ~$42/mo | ~$56/mo | ~$46/mo | ~$49/mo |
| 70 | ~$52/mo | ~$75/mo | ~$57/mo | ~$63/mo |
| 75 | ~$71/mo | ~$98/mo | ~$77/mo | ~$85/mo |
| 80 | ~$96/mo | ~$130/mo | ~$104/mo | ~$118/mo |
* Rates are estimates for female non-smokers in standard health. Men pay 15–25% more. Call (866) 255-5775 for your exact quote.
What our clients say
“I had diabetes and assumed I couldn’t get coverage. They found me a level-benefit policy the same day I called. The agent was patient and never pushed me toward anything I didn’t need.”
“My mom is 81 and was turned down by Colonial Penn. They got her covered with Aetna at a rate I could actually afford. The whole process took less than 20 minutes.”
“I shopped around online for two weeks and got nowhere. One call here and I had three quotes in front of me and was covered by the end of the day. Wish I had called sooner.”