Planning ahead for final expenses is one of the simplest ways to protect your family from financial stress. At Diversified Insurance Brokers, we make it easy to compare options with our Burial Insurance Calculator. With decades of experience and access to 100+ top-rated carriers, we’ll help you find a policy that fits your budget, health, and goals—without pressure or guesswork.

What This Calculator Helps You Do

• See real-time estimates for common coverage amounts ($5,000–$50,000+).
• Compare policy types like level benefit (day-one coverage) vs. graded/modified (limited in first years).
• Understand pricing factors such as age, tobacco use, and health conditions.
• Preview riders that may add living benefits or accidental death coverage.

Who Burial Insurance Is a Good Fit For

• Individuals who want guaranteed protection for funeral, burial, or cremation costs.
• People who prefer simplified underwriting (often no exam; a few health questions).
• Seniors seeking a permanent policy with level premiums that never increase.
• Families that want to avoid out-of-pocket expenses or fundraising during a difficult time.

Why Consider Burial Insurance

• Peace of mind: Loved ones receive a tax-free benefit to cover final expenses and small debts.
• Day-one coverage options: For many applicants, level benefits start immediately.
• Flexible amounts: Choose a benefit that matches your expected costs and budget.
• Lifetime protection: Permanent coverage that won’t expire as long as premiums are paid.

Example Scenarios (Illustrative)

• Age 58, non-smoker: $15,000 level benefit policy with fixed premiums designed to stay affordable over time.
• Age 67, treated diabetes: $10,000 graded benefit policy—limited coverage in years 1–2, full thereafter.
• Age 74, no exam preferred: $8,000 simplified issue policy for immediate peace of mind.

How We Help

Every situation is unique. We compare options across 100+ carriers, explain the differences between level and graded benefits, and match you with a policy that balances cost, coverage, and approval likelihood. Our goal is simple: permanent, predictable protection your family can rely on.