What is Funeral Insurance?

Funeral insurance is a type of permanent life insurance plan that provides a limited amount of insurance to pay for your final expenses, including the cost of your funeral and burial.

Usually, these funeral plans are guaranteed issue, which means you will not have to take a health exam or answer any questions about your health.

Many funeral policies offer from $3,000 up to $20,000 of life insurance protection.

Approval for funeral plans may be guaranteed, but the age requirements for guaranteed acceptance will vary by insurance carrier.

You may be able to buy a funeral insurance policy for yourself, your spouse, and/or your parents.

Learn more about how funeral insurance works.

Funeral Insurance without Medical Exam?

Is it possible to get a funeral insurance plan without taking a medical examination?

Yes, in fact, there are guaranteed approval funeral insurance plans available for those meeting the age requirements for acceptance.

Several insurers offer guaranteed funeral insurance, but ages may vary by insurer.

For example, one highly-rated insurance company offers up to $25,000 of guaranteed approval coverage for people ages 45 to 85.

With guaranteed coverage there's no health exam required and you won't have to answer any questions about your health.

However, these plans may have limited benefits the first two years you are insured by your policy - that's how they can accept everyone who meets the age requirements.

Learn more about how to get funeral insurance without a medical exam.

Where to find Cheap Funeral Insurance?

Where can I find cheap insurance to cover funeral costs?

There are several good insurance companies that offer funeral expense insurance plans. However, each carrier has their own pricing approach based on your age, gender, the amount of coverage, and a few other factors that go into determining your premium.

However, some insurers offer coverage for funeral insurance starting as low as $8.80 to $10 per month, but this is for the lowest amount of coverage.

You may be able to choose from $3,000 up to $25,000 of funeral life insurance. Some of the leading providers of funeral insurance include United of Omaha, Gerber, AARP/NewYork Life and Colonial Penn.

Here's how to learn more about finding a cheap funeral insurance policy.