Burial insurance for mom and dad is one of the simplest and most practical ways to help aging parents protect their family from unexpected funeral and end-of-life expenses. These policies—often called final expense insurance—are designed to be affordable, easy to qualify for, and reliable when your family needs them most.

At Diversified Insurance Brokers, we help adult children secure burial insurance for parents nationwide, even when health concerns, age, or fixed income make traditional life insurance difficult. Our role is to guide you through the process so coverage is put in place quickly, respectfully, and correctly.

Why Burial Insurance Is So Important for Parents

Funeral and burial costs continue to rise, often totaling $8,000–$15,000 or more when services, burial plots, cremation, and final medical bills are included. Without insurance, these expenses usually fall on adult children—often at the worst possible time emotionally and financially.

Burial insurance helps ensure your parents leave behind peace of mind, not bills. The death benefit can be used for funeral costs, outstanding medical expenses, small debts, or anything else your family needs during that transition.

What Is Burial Insurance for Mom and Dad?

Burial insurance is a type of whole life insurance specifically designed for older adults. Coverage amounts are smaller than traditional life insurance, premiums are typically fixed for life, and policies are structured to be easy to qualify for—even with health conditions.

Unlike employer life insurance or term policies that expire, burial insurance stays in force for life as long as premiums are paid.

Who Can Be Covered?

Burial insurance is available for most parents between the ages of 50 and 85. Many carriers accept applicants with:

• High blood pressure or cholesterol
• Diabetes
• Heart disease or history of stroke
• Arthritis, COPD, or asthma
• Past cancer (depending on type and timeline)

Even parents with more serious conditions may still qualify through simplified or guaranteed-issue options.

How Burial Insurance for Parents Works

Once approved, the policy is owned by your parent, and a beneficiary—often an adult child—is named. When your parent passes away, the insurance company pays the benefit directly to the beneficiary, usually within days.

That money can be used immediately to cover funeral home costs, cremation or burial expenses, headstones, transportation, or any related end-of-life needs.

Coverage Amounts That Make Sense

Most burial insurance policies range from $5,000 to $25,000. The right amount depends on your parents’ wishes and local funeral costs.

Many families choose coverage that:

• Pays for funeral and burial or cremation
• Covers final medical bills
• Eliminates small debts or personal expenses

Our advisors help you match coverage amounts to real costs—without overspending.

Do You Need to Live With Your Parents to Help?

No. Adult children can help parents apply for burial insurance even if they live in another state. The policy must be applied for with the parent’s consent, but we regularly work with families coordinating coverage remotely.

Paying for Burial Insurance

In most cases, premiums are paid monthly and are designed to be affordable on a fixed income. Some adult children choose to help pay the premium as part of supporting their parents and ensuring expenses are handled later.

Premiums are level, meaning they do not increase with age, and the coverage never expires.

Burial Insurance Calculator

Use the calculator below to estimate burial insurance costs and see available options based on age and coverage amount.

Why Families Work With Diversified Insurance Brokers

Since 1980, Diversified Insurance Brokers has helped families nationwide navigate life and burial insurance decisions with clarity and compassion. We are an independent, family-owned agency licensed in all 50 states, with access to dozens of top-rated final expense carriers.

That means we shop the market for your parents—so you don’t have to guess, overpay, or risk a denial.

Helping Your Parents Plan Ahead

Having this conversation isn’t always easy, but it’s one of the most loving steps you can take. Burial insurance allows mom and dad to maintain dignity, independence, and control—while protecting the family they worked so hard to provide for.