Liberty Bankers
Mutual of Omaha
Prosperity
AIG
Great Western
Gerber Life

We Specialize in Instant Approval Burial Insurance

If you are looking to purchase burial coverage fast then you are in the right place.

We have a half dozen A+ rated carriers that will approve you within minutes via voice signature.

Yes, there is no catch, we provide burial insurance approved in 30 minutes.

The application process is really simple as we ask a few questions to qualify you, then we shop you and within minutes we isolate the best rate for you.

Once we know what you qualify for and the carrier that best suits you then we do a three-way with the insurance company to approve your policy.

To finalize it you will require a voice signature, then BAMMM, you’re covered!!

Here is our fast funeral coverage comparison rates process to approval:

  • Pre-Qualify You (2 minutes)
  • Shop You, isolate low cost burial insurance quotes (1 minute)
  • A three-way with the insurance company (10-15 minutes)
  • You are approved and covered!! (Less Than 30 minutes)

It is important for seniors on a fixed income to have their monthly premium fixed and death benefit guaranteed.

Burial Insurance With No Waiting Period

When shopping for affordable burial insurance for seniors it’s important to make sure your funeral expenses are not falling in the lap of your loved ones at the worst time.

As a parent, spouse or loved one, it is our responsibility to make sure we take care of this. It is our duty.

Above all, if you are in great health as senior citizens, then funeral insurance for seniors will have no waiting period.

In fact, even if you have some high-risk health issues we have carriers that will cover you with immediate coverage.

For instance, if your plan is to cover cremation costs, we got you covered. If you are looking for low-cost burial insurance instant approval, we got you covered.

Senior life insurance with no waiting period will provide same-day coverage burial insurance.

We can provide coverage for any health impairment. Here are the benefits of these programs and benefit plans,

  • Premiums never increase
  • Make your premium payments and the policy cannot expire
  • Guaranteed Death Benefit
  • Same Day Approval, most cases in under 30 minutes!

It is very simple to acquire burial insurance for the elderly.

Final Expense Insurance Companies

Getting cheap burial insurance, cremation insurance or final expense coverage policy is very important when making sure you protect your family from a financial burden.

Above all, finding the right company is almost as equally important.

Here are the same day approval carriers we use for senior citizen burial insurance:

  • Mutual of Omaha (Instant Approval via Email)
  • Royal Neighbors of America (Voice Signature)
  • Liberty Bankers Life (Voice Signature)
  • Sentinel Security (Voice Signature)
  • Prosperity Life (Voice Signature)
  • United Home Life (Voice Signature/PHI)

These carriers above specialize in a list of impairments ranging from diabetes diagnosed before age 50, blood thinners prescribed yesterday to brain tumors, mental health issues, AFIB or metastatic cancer.

 

These carriers do not require a medical exam but only a few qualifying health questions. Face amounts are guaranteed as long as you pay your monthly premium.

Guaranteed Acceptance Life Insurance No Waiting Period

When searching for funeral coverage for senior citizens you will run into burial insurance companies that tighten the risk they want to take.

Sometimes you may have health impairments that most burial insurance companies do not want to take. This is when the guaranteed issue life insurance comes into play.

We have spoken about immediate coverage previously in this discussion. These carriers above offer life insurance without a two year waiting period.

When you purchase a guaranteed acceptance policy you will have what is called a 2 year graded period.

These policies are usually a little more expensive because of the risk the insurance company is taking due to the pre-existing medical condition you may have.

These conditions usually are related to a recent cancer history or treatment, a diagnosis of dementia.

Here are the guaranteed issue life insurance carriers we use:

 
  • AIG GIWL
  • Gerber GI
  • Prosperity Prime Term to 100

But these policies will pay for your final expenses, cremation service and or funeral cover for senior citizens. So the funeral home will be taken care of.

It is important to understand the benefit information as the first two years if death happens all the premiums paid into the policy will be refunded back to the beneficiary, plus 10%.

So at least you get more out of it then you put into it. This is the type of insurance plan that covers for the long term.

Can I Buy Burial Insurance For My Parents

I get this question all the time. Yes, you can get burial coverage for parents or a funeral policy for parents.

Obviously, they would need to know of course. But you have an insurable interest and this type of life insurance will protect you.

If parents die there are costs involved. Without having a burial policy in place then the financial burden falls in the families lap.

Not many people have $10,000+ saved in a bank account earmarked “Someone” else’s funeral.

Remember, as your parents get older the window of life insurance may be closing. For instance, trying to acquire life insurance over age 85 can be challenging as most don’t offer life insurance for seniors over 85.

People over 85 or seniors over 85 are well past mortality age, (Men 77, Women 81), so every day is a bonus day in the eyes of the insurance company.

Companies To Keep An Eye On

In most cases if you see something to be to good to be true it usually is. If you are looking for low cost same day approval yes you came to the right place.

But there are companies out there that will offer you something that will hurt you in the long run.

Imagine paying for a policy for years and you find out one year the rate goes up 300%. You are on a fixed income, either you are going to lapse the policy or they are just take away the coverage. You must watch out for these hybrid products.

AARP life insurance is notorious for this. It really is a great policy if you die before age 75. AARP final expense life insurance is not what it is cracked up to be. This company markets term aggressively to seniors as an AARP burial plan.

These AARP final expense life insurance plans are sometimes pawned off as state regulated life insurance programs, these are just a creative way to market them to seniors.

These are the fluff that they try to get the seniors to bite on. In all actuality, it is just a salesman trying to sell you a product.

Not only is AARP final expense insurance not what it is cracked up to be, let’s talk about Lincoln Heritage and the funeral advantage program assists seniors, or does it?

It’s important to realize that these programs that lincoln heritage offers are about 30% higher in price than the best rates available to you with BETTER benefits plans.

The funeral advantage program is sold to seniors usually on a fixed income claiming that they will get a discount or they will negotiate on your behalf to lower funeral costs.

As I said, you are paying 30% more in premium, so you are paying for that every single month.

What Is The Difference Between Burial and Final Expense Insurance

This is a great question, N-O-T-H-I-N-G!!!!

These policies are nothing more than a small simplified issue whole life policy. The “Burial” coverage and the “Final Expense” is a great way to market it.

The life insurance company will always dress it up for marketing purposes.