“Honest, trustworthy, and truly takes the time to help you find the best coverage.”
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.
How much coverage do you need?
Most families choose $10k–$15k for final expenses. Not sure? We’ll help you pick.
American-Amicable
Royal NeighborsGTLApply once, to the right carrier, with 18 years of experience on your side.
I’m Phillip Chin, an independent broker since 2008. Before you apply anywhere, I check your health and medications against how 25+ burial insurance carriers actually approve people.
Most burial insurance ads lead to a call center. The person who calls back is often new, reading from a script, and paid on how many policies they close that day. So many people get pushed into a guaranteed-issue plan with a 2-year waiting period when they could have had full coverage from day one.
Every carrier asks different health questions. One asks about heart trouble in the past 2 years, another asks about 3 years, and some never ask. Some approve controlled diabetes or COPD without oxygen at full coverage. Others don’t. After 18 years, I know which is which, so your application is never a guess.
That matters most if you have health issues or were turned down before. Carriers check your prescription history, and a decline can follow you to the next application. So I match you with the carriers that fit first. Then you apply once, with the right company.
If you qualify for day-one coverage, that’s what I’ll find you. If guaranteed issue really is your best option, I’ll tell you straight.
I know each carrier’s health questions, medication rules, age limits and waiting periods.
$0 broker fees. You always work with me, never a scripted rep, and your info is never sold to lead vendors.
Phillip Chin, licensed independent broker · NPN #8895251 · Verify at nipr.com
What families say about us on Google
“Our family had a wonderful experience with Phillip in purchasing a burial insurance policy. He was amazingly helpful and patient in guiding us through the process of finding the right policy…”
“Philip Chin was very helpful and easy to talk to. He explained the final expense insurance clearly and answered all my questions without any pressure.”
“Phillip took the time to explain every detail about my final expense insurance options. I feel so much more at ease knowing my family is covered. Highly recommend him and his team.”
Real reviews from our Google Business Profile. Read all our reviews on Google →
Have a health condition? You can still qualify.
Most conditions still qualify for coverage — often with full day-one benefits.
Don’t see your health condition? See all conditions we cover →
Have more than one condition, or not sure how yours is rated? Get an exact rate based on your health →
Not sure which kind of plan fits you? Compare level, graded and guaranteed issue →
Real Client Wins
Turned down elsewhere? See how we get tough cases approved.
An automated “no” isn’t always a real “no.” Here’s what happened when the right carrier looked at the full story.
Two flagged medications. Approved.
His prescription check flagged two drugs that are usually used for cancer and organ transplants, so nearly every carrier declined him automatically. He was only using them as skin creams for eczema. American-Amicable reviewed the facts and approved him.
Approved for coverageA “just in case” prescription. Day-one coverage.
A nitroglycerin prescription makes most carriers decline or offer a 2-year waiting period. His doctor wrote it as a precaution, and he had never needed it. Once that was documented, American-Amicable approved him at level coverage.
Approved at level (day-one)Turned down before? Let me take a real look.
Tell me your health and medications. I’ll find the carrier most likely to approve you, before you apply anywhere.
Get my exact rate Read the full client storiesEvery case is different. Approvals depend on your full health picture and the carrier, so we can’t promise a specific outcome.
How it works in 3 steps
No medical exam. No obligation. Real quotes from top-rated carriers in minutes.
Compare quotes
Tell us your coverage, age, and state. We pull real rates from 25+ carriers in seconds.
Talk to Phillip
One licensed broker walks you through the best options for your health and budget — no scripts.
Get covered today
Most applications take 10–15 minutes. Coverage can start the day your first payment processes.
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.
An easier, smarter way to shop
We work for you — not one insurance company. Here’s how that compares.
| Feature | TheBurialInsurance.com | Direct-Mail Companies | Single-Carrier Sites |
|---|---|---|---|
| Compare 25+ carriers at once | × | × | |
| Premiums locked for life — never go up | × | 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 obligation | × | Varies |
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 in dark blue to open its full local guide.
Browse all 50 state guides
We’re adding new state guides all the time — if your state isn’t highlighted yet, it’s on the way. In the meantime, we can still help you find coverage today.
Common questions
Can I get covered if I have health conditions? +
How much does coverage cost? +
Is there a waiting period before it pays out? +
Do I have to take a medical exam? +
Is there an age limit to apply? +
Can I be turned down? +
How quickly can I be covered? +
Will my rate or coverage ever change? +
Show 5 more questions
How much coverage do I need? +
Will my information be sold or shared? +
What can my family use the money for? +
How does my family actually receive the money? +
Is “burial insurance” the same as “final expense” or “funeral insurance”? +
Get your free burial insurance quote
No medical exam. No pressure. Phillip compares 25+ carriers so you don’t have to.
“Honest, trustworthy, and truly takes the time to help you find the best coverage.”★★★★★ Gordon N. · Verified Google review