Can I Buy Burial Insurance for My Husband?

When Maria’s husband unexpectedly passed away, she faced not only grief but also a $10,000 funeral bill. Thankfully, she had purchased burial insurance for him years earlier—saving her from financial stress during an already painful time.

If you’re wondering, “Can I buy burial insurance for my husband?”, the answer is yes—and it could be one of the most important financial decisions you make for your family. Burial insurance (also called final expense insurance) is a simple, affordable way to ensure your spouse’s final costs are covered, protecting you from unexpected expenses when you need stability the most.

Why Burial Insurance for Your Husband Makes Sense

Losing a spouse is emotionally devastating—the last thing you need is financial strain. Here’s how burial insurance helps:

✅ No Medical Exam Needed – Most policies only ask a few health questions, so even if your husband has minor health issues, he can still qualify.

✅ Coverage That Never Expires – Unlike term life insurance, burial insurance is permanent—it lasts a lifetime as long as premiums are paid.

✅ Fast Cash for Funeral Costs – The average funeral runs $7,000–$12,000. Burial insurance pays out quickly (often within 24–48 hours) so you’re not stuck draining savings or using credit cards.

✅ Flexible Use of Funds – The money can be used for funeral services, cremation, medical bills, or any other expenses—no restrictions.

✅ Affordable Premiums – Policies start as low as $15–$50/month, making it accessible even on a tight budget.

Can You Buy a Policy Without His Permission?

In most cases, no—your husband will need to:

✔ Sign the application (unless he’s legally incapacitated).
✔ Answer health questions (if required by the insurer).

However, if he’s unwilling or unable, you may still have options, such as:

• Pre-need funeral plans (paid directly to a funeral home).

• Small guaranteed-issue policies (no health questions, but higher premiums).

Real-Life Example: How Burial Insurance Saved a Family

James, 62, had diabetes and high blood pressure—making traditional life insurance too expensive. His wife, Lisa, got him a $10,000 burial policy for just $45/month. When James passed unexpectedly, the payout covered his funeral in full, allowing Lisa to focus on healing instead of bills.

Next Steps: How to Get Covered

1. Check Eligibility – Even with health issues, many insurers offer coverage.

2. Compare Quotes – Prices vary; get multiple offers to find the best rate.

3. Apply Sooner Rather Than Later – Premiums increase with age, so locking in a rate now saves money long-term.

Buying burial insurance for your husband isn’t about planning for the worst—it’s about protecting your future peace of mind. With affordable rates and guaranteed acceptance options, there’s no reason to wait. Get a free quote today and take the first step toward securing his legacy—and your financial stability.