Protect Your Family from Funeral Costs with Affordable Burial Insurance

Give your loved ones peace of mind—not financial stress. Burial insurance helps cover funeral expenses, medical bills, and other end-of-life costs, so your family isn’t left with the burden.
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Burial Insurance: Peace of Mind For You and Your Family

Planning ahead for final expenses is one of the most thoughtful and practical ways to protect your loved ones. Burial insurance—also called final expense insurance—is a simple, affordable form of life insurance designed to cover funeral costs, medical bills, small debts, and other end-of-life expenses. With coverage amounts typically ranging from $5,000 to $50,000, these policies provide quick, accessible funds when your family needs them most.

Unlike traditional life insurance, burial insurance is easy to qualify for. Most plans offer simplified underwriting with no medical exam required—just a few basic health questions. Some even guarantee acceptance regardless of your health history, making this an ideal option for seniors or individuals with pre-existing conditions who may not qualify for standard policies.

At Diversified Insurance Brokers, we help you compare top burial insurance plans so you can find the right coverage—fast, affordable, and tailored to your needs.

How We Can Help You Secure the Best Coverage

At Diversified Insurance Brokers, we partner with over 75 top-rated burial insurance carriers—giving you access to a wide range of options that most agencies simply can’t offer. We don’t push one-size-fits-all solutions. Instead, we take the time to understand your health history, budget, and goals—then match you with the policy that offers the best value and coverage for your situation.

With so many carriers in the market, it’s essential to work with experienced specialists who know which companies are most favorable for your unique needs. Our team has helped thousands of clients find affordable, reliable coverage—even in high-risk cases—and we’re here to help you do the same.

Hard to Place Life Insurance and Burial Insurance Medical Conditions

Expert Knowledge of Carrier Guidelines

One of the biggest challenges in securing burial insurance is knowing which carriers are the right fit for your health profile. Every insurance company has different underwriting rules—and applying with the wrong one can result in higher premiums, unnecessary delays, or outright declines.

At Diversified Insurance Brokers, we specialize in navigating these differences. With decades of experience and deep industry insight, we know exactly which carriers are most favorable for specific medical conditions. For example:

Some carriers don’t ask about diabetes at all—making them ideal for individuals managing the condition.
Others don’t use build charts, meaning your weight or BMI won’t affect your eligibility.
Certain companies are more flexible when it comes to heart history, tobacco use, or past cancer diagnoses.

Because we know these underwriting nuances upfront, we can match you with the right carrier from the start—saving you time, reducing costs, and increasing your chances of approval. We don’t guess. We guide—with precision and purpose.

Exploring Better Options Beyond Burial Insurance

Many people assume burial insurance is their only choice—especially if they’ve been told they’re high-risk or have pre-existing conditions. But at Diversified Insurance Brokers, we look beyond the basics. In many cases, we’re able to help clients qualify for fully underwritten life insurance policies—even if they believed they wouldn’t.

These policies often offer significantly more coverage at a lower monthly cost than traditional burial insurance. And because we understand the nuances of each carrier’s underwriting guidelines, we know how to position your application for the best possible outcome.

If you’ve been told burial insurance is your only option, don’t settle. Our expertise allows us to uncover better, more affordable alternatives that fit your health profile and long-term goals.

Burial Insurance FAQs

What is burial insurance?

Burial insurance, also known as final expense insurance, is a type of whole life insurance designed to cover end-of-life expenses such as funeral costs, medical bills, and other outstanding debts.
How much coverage do I need for burial insurance
What is the difference between burial insurance and traditional life insurance?
Do I need a medical exam to qualify for burial insurance
What are the different types of burial insurance?

Level Benefit: Offers full coverage from day one and is typically available to those in good health.
Graded Benefit: Pays a partial benefit if death occurs within the first 2-3 years, then full benefits after that period.
Guaranteed Issue: No health questions, but a waiting period (usually 2-3 years) before full benefits are paid.
Can my burial insurance premiums increase over time?
Can I purchase burial insurance for someone else?
Are burial insurance benefits taxable?
How quickly are burial insurance benefits paid out?
Can burial insurance be used for anything other than funeral expenses?

No-Obligation Consultation

Whether you need a straightforward burial insurance policy or want to explore broader life insurance options, Diversified Insurance Brokers is here to help. We offer honest, expert guidance with no pressure—just clear answers and customized solutions. Our team works diligently to find the right coverage at the most competitive rate for your unique situation.

Contact us today to discuss your options and take the first step toward lasting peace of mind and financial security for your loved ones.

Need More Information?

We’re here to help you plan with confidence.

Use our Lifetime Income Calculator to explore your retirement options, or complete the form to connect with our expert team. We’ll guide you step-by-step—no pressure, no obligation.

Additional Burial Insurance (Final Expense) — FAQs

What is burial (final expense) insurance?

A small whole life policy—typically $5,000–$25,000—built to cover funeral costs, medical bills, and small debts. Premiums are usually level for life and coverage doesn’t expire.

Who is burial insurance best for?

Seniors or anyone wanting affordable, permanent coverage to handle final expenses without burdening family—especially those who don’t need large face amounts.

How much coverage should I choose?

Add up expected funeral and burial costs, medical bills, and any small debts, then select the next available benefit amount (e.g., $10k, $15k, $20k, $25k) to match that need.

Are premiums fixed?

Yes—most final expense whole life plans have level premiums and guaranteed coverage amounts that won’t change as you age or if your health declines.

Will I need a medical exam?

Usually not. Most burial policies use simplified underwriting (health questions only). Guaranteed issue options are available if health issues make approval difficult.

What’s the difference between simplified issue and guaranteed issue?

Simplified issue asks a few health questions and may offer lower premiums. Guaranteed issue asks no health questions but typically has a graded death benefit for the first two years.

What is a graded death benefit?

A waiting period (often two years) during which natural-cause deaths pay a limited benefit (e.g., return of premium plus interest). Accidental death is typically covered for the full amount from day one.

How fast are claims paid?

Once the insurer receives the death certificate and required forms, payouts often occur within days to a few weeks, helping families cover expenses quickly.

Can I name a funeral home or a person as beneficiary?

Yes. You can name a person (or trust) as beneficiary, or assign some/all proceeds to a funeral home. Many prefer a person as primary beneficiary for flexibility.

Does burial insurance build cash value?

Yes—whole life policies build modest cash value over time, which you can access via policy loans or surrender (tax and policy impacts may apply).

Can I get coverage if I’ve been declined elsewhere?

Often yes. We work with multiple carriers; simplified or guaranteed issue plans can offer options even after a prior decline.

How do I get the best rate?

Compare multiple carriers, choose only the benefit amount you truly need, answer health questions accurately, and consider simplified issue if you qualify.

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