What Is Burial Insurance and Who Needs It?
Talking about final expenses isn’t easy, but planning ahead can be one of the most loving things you do for your family. Burial insurance—also known as final expense insurance—is a small whole life insurance policy designed specifically to cover funeral costs, medical bills, and other end-of-life expenses. It provides immediate peace of mind and financial protection for the people you care about most.
Funeral costs in the U.S. often range between $7,000 and $12,000. Without insurance, these costs can become a sudden financial burden for loved ones. Burial insurance offers a quick payout to your beneficiaries to cover those expenses, often within days of a death certificate being submitted. It’s a simple way to ensure your family doesn’t have to deal with financial stress during a time of grief.
Most burial policies offer simplified underwriting with no medical exams—just a few health questions. In many cases, even applicants with serious health conditions can qualify for guaranteed issue coverage. That makes it a smart solution for seniors or individuals who may not qualify for traditional life insurance.
At Diversified Insurance Brokers, we help individuals and families compare burial insurance policies from over 75 top-rated carriers. Whether you’re planning for yourself or helping a loved one prepare, we make the process easy, compassionate, and pressure-free.
👉Use our Burial Calculator Here to compare carriers.
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FAQs: What Is Burial Insurance?
What is burial insurance?
Burial insurance is a small whole life insurance policy designed to cover funeral costs, medical bills, and other end-of-life expenses. It provides guaranteed coverage with no expiration and pays a tax-free death benefit to your beneficiary.
How much coverage can you get?
Most burial insurance policies offer between $5,000 and $40,000 in coverage, depending on age and health. This range is typically enough to cover funeral expenses and immediate final costs.
Do I need a medical exam?
No. Burial insurance is usually simplified issue or guaranteed issue, meaning no medical exam is required. Approval is based on basic health questions or no questions at all.
Is burial insurance the same as final expense insurance?
Yes. Burial insurance, funeral insurance, and final expense insurance generally refer to the same type of whole life policy designed for end-of-life costs.
Does the price increase as I age?
No. Burial insurance premiums are level for life. Once approved, your price never increases and coverage never decreases.
Can seniors with health conditions qualify?
Yes. Many seniors with diabetes, heart issues, COPD, or past medical concerns can still qualify for immediate coverage. Guaranteed issue options are available for high-risk applicants.
How fast is the payout?
Burial insurance pays beneficiaries quickly—often within a few days of submitting the claim—allowing families to cover funeral expenses without financial stress.
Is burial insurance worth it?
Yes, for many seniors. It provides affordable, guaranteed lifelong coverage and helps prevent financial burden on family members during a difficult time.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
