Burial Life Insurance 

Burial Life Insurance is a type of insurance policy used to cover a person's final expenses. Final expenses come in the form of funeral, burial, cremation, and medical bills.  Because Burial Insuance is a life insurance policy, some indivuduals purchase extra coverage in order to gift money to a child, grandchild, or other family member.  

Features and Benefits

With the recent rise in funeral and burial costs, Burial Life Insurance has become increasingly popular.  Many find this type of coverage to be a simple way to get prepared financially for the future. By having a plan you maintain control, achieve peace of mind, and avoid potential harmful burdens on family members.  Some things to consider about Burial Insurance are;


  • No Medical Exams - There are no medical exams with this type of insurance, making it an easy and hassle free way to get coverage.  Even if you have or had a serious medical condition, you can still get covered.

  • Renewable For Life - Coverage will never cancel based on your age or health.  You can keep your plan for life as long as you pay your monthly premium.

  • Monthly Premiums Never Increase - Once you have your policy, your premium will stay locked in for life and never increase.

  • Benefits Never Decrease - Once you have your policy your coverage is guaranteed to never decrease.  For example; If you buy $10,000 in coverage, that is what it remains at for life and will not decrease when you reach a certain age.


Who Needs Burial Insurance

Most Americans can benefit from having a Burial Insurance policy in place.  Many folks just don't have the money for funeral and burial expenses sitting in their bank account, and if they do, they may not want to use it for that purpose.

Free Life Insurance Buyers  and Pre Planning Guide

One of the benefits of Burial Insurance is that it allows you to have money set aside for a single purpose.  You should consider purchasing a Burial Insurance Policy if;


  • You want to ensure your funeral and burial needs will be met without any financial and emotional burdens placed on family.

  • You want to take control and attain more peace of mind.

  • You have cash and other assets but do not want to use those for funeral and burial costs.  You would like to have a plan specifically final expenses.

  • You would like to have a simple financial plan to leave money to a spouse, children, or grandchildren.


How Much Insurance Do I need?

With Burial Insurance, the average policy ranges between $10,000 and $15,000 in coverage.  The best amount for you will depend on your personal goals, needs, and budget.  Some important things to consider when determining the right amount;

  • How much can I afford and continue to afford into the future?

  • Do I wish to be cremated or buried?

  • Would I like a simple or extravagant funeral?

  • Do I want to leave extra to my spouse or other family for general living expenses?

  • Would I like to leave a gift to children or grandchildren?


What Companies Offer Burial Insurance

There are many companies that offer some form of burial insurance and finding the right one can be a challenge.  Finding a company with the right combination of quality and price is your best bet.  There are many companies that offer insurance policies that cancel or reduce in benefits when you reach a certain age.  With these types of plans your monthly premium cost may also increase.  You should beware of these companies and the plans they offer.  Here are a few key things to look for when determining a good company and plan;

  • Can I keep the policy for the rest of my life?  It it whole or term life?

  • Will my monthly premiums and benefits stay fixed for life?

  • Is the insurance company A rated?  What is their rating and how long have they been in business?  What is their reputation?   


Over the years and after helping hundred's of clients across the country with their Burial Insurance benefits, we're able to offer some of the best burial insurance companies and plans.  Some top companies offering coverage in Texas are;


  • American Continental - An Aetna Company

  • Loyal American Life - A Cigna Company 

  • Transamerica Premier Life Insurance Company  

  • Humana  

  • Gerber Life Insurance Company