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Company Reviews

CICA Life Burial Insurance Review (2026): The B++ Truth & Best-For Verdict

Our Verdict: Best for Niche Health & Tobacco · 4.6/5 CICA Life is one of the most flexible carriers we work with for hard-to-place health — often the one company that can approve a tough case others decline, sometimes even at a level (day-one) rate. It also doesn’t penalize tobacco. The trade-offs: a B++ (Good)…

GTL Burial Insurance Review (2026): Heritage Life Rates & Verdict

Our Verdict: Easiest Application · 4.4/5 GTL is the carrier we reach for when we want a simple, painless sign-up. The application is short, there are several easy ways to complete and sign it, and the service is fast and friendly. Its graded plan is also kinder than most — it pays a partial benefit…

Foresters Burial Insurance Review (2026): PlanRight Rates, Perks & Verdict

Our Verdict: Best Member Perks · 4.4/5 Foresters is a solid, A-rated fraternal carrier whose real edge is what comes free with the policy — help preparing a will, scholarships, and family benefits most companies don’t offer. The main limit: there’s no guaranteed-issue plan, so the hardest health cases can’t always get covered here. Most…

Royal Neighbors Burial Insurance Review (2026): Best for Hard-to-Place Health

Our Verdict: Best for Hard-to-Place Health · 4.5/5 Royal Neighbors is a specialist, not an everyday pick. When a condition like diabetic nerve damage or COPD gets you declined or graded everywhere else, Royal Neighbors will often approve it — sometimes with no waiting period. The trade-offs: customer service can be slow, and the price…

American-Amicable Burial Insurance Review (2026): Senior Choice & Verdict

Home›Reviews›American-Amicable Our Verdict: Best Underwriting · 4.9/5 American-Amicable has the most flexible, fairest underwriting we’ve seen — easy approvals, fast decisions, and it’s the rare carrier that will actually reconsider a rating if we don’t think it’s fair. The only trade-off is price: it runs a little higher than the cheapest carriers. American-Amicable isn’t a…

Gerber Life Insurance Review (2026): Guaranteed Life Rates & Verdict

Home›Reviews›Gerber Life Our Verdict: Best for Guaranteed Issue · 4.3/5 If you can’t answer health questions, Gerber is the guaranteed-issue plan we’d choose: an easy, no-questions application, A+ (Superior) strength, standout customer service, and flexible billing. The only limits are the ones every guaranteed-issue plan has — a 2-year wait — plus a health-question whole…

Aflac Burial Insurance Review (2026): Rates, the Aetna Connection & Verdict

Home›Reviews›Aflac Our Verdict: Top Pick · 4.8/5 Our 4.8/5: Aflac’s burial plan runs on the same easy, instant Aetna-administered engine — but with slightly lower rates and a top-tier A+ (Superior) rating. The only reason it’s not a clean sweep: it stops at age 80, where Aetna keeps going to 89. You know Aflac from…

Transamerica Burial Insurance Review (2026): Express Select Rates & Verdict

Home›Reviews›Transamerica Our Verdict: Use With Caution · 3/5 Financially strong (A) and unusually lenient on tough health — but you’ll pay 20–30% more than Mutual of Omaha, and its complaint record runs about 4× the industry average (mostly service, not claims). Transamerica is one of the oldest names in American insurance — over a century…

Mutual of Omaha Burial Insurance Review (2026): Living Promise Rates & Verdict

Home›Reviews›Mutual of Omaha Our Verdict: Recommended · 4.2/5 Our 4.2/5: A+ (Superior) strength, a near-spotless complaint record, and the best rates in the market when you qualify. The catch is the underwriting — it can be unpredictable, and even healthy-looking applicants don’t always land the Level (day-one) rate. Chances are you already know the name…

Aetna Burial Insurance Review (2026): Accendo Rates, Tiers & Verdict

Home›Reviews›Aetna Our Verdict: Top Pick · 4.7/5 Our 4.7/5: the easiest, most predictable application in the business — simple questions, an instant decision, and few surprises. Rates aren’t rock-bottom, but they’re competitive, and predictable approvals are what actually get people covered. You already know the name Aetna — from your health plan or the CVS…