Affordable Burial Insurance In Montana In 2024

Lisamarie Monaco last updated on December 20, 2023

Written by Daniel Ray, Life Insurance Expert | ✅ Fact Checked by

Lisamarie Monaco | Editorial Disclosure

If you are looking for affordable burial insurance in Montana, pull up a chair, because you have come to the right place!

It’s a thought that often gets pushed aside: the inevitability of death. Even if you commit to the healthiest of lifestyles, there remains the slim possibility of not reaching old age.

Sadly, this implies that many of us will depart from this world sooner than we’d prefer, potentially leaving our loved ones grappling with substantial expenses.

Picture this: as you plan your eventual departure, what becomes of your family if they struggle to cover the burial costs? One effective strategy to alleviate this worry is a pre-planned funeral.

After all, the thought of your final resting place posing a financial burden to your family is far from comforting.

Consider burial insurance in Montana – it’s an affordable, cost-efficient strategy ensuring your last wishes get honored without a second thought about cost or logistics.

Turning to a reliable and trusted insurance company can simplify the process. They can guide you through your options and help pinpoint the right plan that suits your needs.

Whether it’s an add-on or standalone plan, buying burial insurance from a reputable insurer is a wise decision. Let’s dive into everything you need to know about burial insurance in Montana

What Is Burial Insurance In Montana?

Burial insurance in Montana is a type of life insurance that pays for the costs of your funeral and related expenses. It can be a valuable resource for your family in the event of your death.

Most life insurance policies do not cover the costs of your funeral. Burial insurance is designed to fill this gap.

It can help your loved ones cover the costs of your funeral and related expenses, such as transportation and lodging.

Burial insurance is not required in Montana. However, it can be a helpful way to ease the financial burden on your family in the event of your death.

What Does Burial Insurance Cover In Montana?

Burial insurance in Montana will generally cover the costs of your funeral and related expenses.

The cost of the funeral, including the burial plot and any headstone or marker for the grave site.
All applicable costs associated with clearing and opening a cemetery lot. This includes the removal of bodies from the burial site, and any costs related to re-interment or cremation.
The cost of transporting caskets to and from the service location (if applicable).
The cost of transporting all other final arrangements, such as flowers, pictures and other household goods (if applicable).

Why do we need Burial Insurance In Montana?

Burial insurance is a policy that covers the cost of the funeral and burial services to the family of the deceased.

The person who buys this type of policy is known as the beneficiary and it can be purchased at any time during their lifetime.

Burial insurance policies are available from most insurance companies and can be purchased in states such as Montana where it is required by law.

Burial insurance provides coverage for all expenses related to a death, including caskets and flowers, gravestones, obituaries and memorials and other costs related to a funeral service.

It also covers funeral expenses if there are no survivors or when no one is available to pay for these costs.

Burial insurance can also help families if they need assistance paying off debts associated with their loved one’s death or funeral expenses such as medical bills, funeral costs or other medical expenses or debt associated with the death

Burial insurance also covers expenses if there is nobody at all, such as cremation or cremains or scattering ashes after cremation has taken place.

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How Much Burial Insurance Do I Need In Montana?

The amount of burial insurance you need in Montana will depend on your specific situation and needs.

Some factors to consider when determining how much coverage you need include the cost of your funeral, any outstanding debts you may have, and whether you want your loved ones to have any financial cushion after you’re gone.

Some experts recommend purchasing a policy that is worth at least $10,000. This can help cover the cost of a typical funeral, as well as any outstanding debts you may have.

If you want your loved ones to have a financial cushion after you’re gone, you may want to consider a policy that is worth more than $10,000.

Burial Insurance In Other States You May Want To know About

Montana’s leading cause of death

As in many states in America, heart disease is the leading cause of death in 2017. Other leading causes are:

There are many final expense companies that we work with and each one has its own underwriting requirements, so we are able to provide coverage for all of these health conditions.

One of our companies can provide full coverage to our clients on the first day of their policy. We also have a number of guaranteed issue companies that guarantee coverage.

Montana Average Life Expectancy

As of 2019, Montana has the 27th highest average life expectancy at birth in the nation based on the most recent data that is available at the state level.

This is slightly lower than the national average life expectancy at birth, which was 79.2 years in 1999, which is now 78.7 years as of 2019.

Life expectancy is closely related to certain behavioral factors on a personal as well as a population level. Smoking is the leading cause of death in the United States, and it is more common among Montana adults.

A total of 18.9% of Montana’s adult population smokes every day or most days and has smoked at least 100 cigarettes. A total of 16.6% of the nation’s adult population smokes.

Montana Free Look Period

Free look periods must be 10 days or less in Montana.

You can review your insurance contract for a period of 10 days. This time allows you to refuse it for any reason you feel is necessary.

As well as a full refund, you are entitled to one if you decide to cancel the contract.

Cancellation is not prohibited by the insurance company, and no money has been paid to them.

Now, When you cancel your life insurance policy during the free look period, you will receive a refund of your premium. However, if you cancel your policy after the free look period has expired, you will not receive a refund. Life insurance can be replaced at any time. Just know that you are welcome to do so after the initial free look period has passed.

If you decide to replace, be sure that you are doing it for the right reasons.

Burial Insurance Riders in Montana

There are several types of riders available for Burial Insurance in Montana that can be added to your policy to customize it to your needs. Some of these riders include:

Accidental Death Benefit Rider

This rider provides additional coverage if you die as the result of an accident. The benefit is paid on top of the death benefit and can help your loved ones cover unexpected costs associated with your death.

Accelerated Death Benefit Rider

This rider allows you to access a portion of your death benefit while you are still alive if you are diagnosed with a terminal illness.

The benefit can be used to cover the costs of your medical care or to help your loved ones with expenses associated with your care.

Child Rider

This rider provides coverage for your children until they reach the age of 26. The benefit can be used to cover the costs of their education or other expenses associated with their care.

Spousal Rider

This rider provides coverage for your spouse in the event of your death. The benefit can be used to help them with expenses associated with your death or to help them maintain their standard of living.

Burial Insurance is an important part of financial planning for your family’s future. It can help them cover the costs associated with your death and give them a financial cushion after you’re gone.

There are many factors to consider when determining how much coverage you need, but a good rule of thumb is to purchase a policy that is worth at least $10,000.

You can also add riders to your policy to customize it to your specific needs.

If you’re looking for Burial Insurance in Montana, contact us today for a free quote. We’ll help you find the right policy for your needs and budget.

How Much Does Burial Insurance Cost In Montana?

The cost of burial insurance in Montana will vary depending on a number of factors, such as your age, health, and the amount of coverage you need.

Age: Burial insurance rates tend to be more expensive for older people. This is because there is a greater chance that you will die while the policy is in effect.
Health: Burial insurance rates may also be more expensive if you have health problems. This is because there is a greater chance that you will die while the policy is in effect.
Amount of Coverage: The amount of coverage you need will also affect the cost of your policy. The more coverage you need, the more expensive your policy will be.

The best way to find out how much burial insurance will cost you is to get a quote from a reputable insurer.

Burial Insurance Cost In Montana

Females

Age of Applicant	$5,000	$10,000	$15,000
50	$12.86	$23.06	$33.08
55	$14.97	$26.94	$38.90
60	$18.04	$32.87	$47.70
65	$22.11	$41.01	$59.91
70	$28.07	$53.12	$78.18
75	$37.81	$72.41	$107.01
80	$50.82	$98.43	$146.05
85	$69.55	$135.90	$202.25
90	$149.69	$296.41	NA

Males

Age of Applicant	$5,000	$10,000	$15,000
50	$15.37	$27.73	$40.08
55	$18.72	$34.43	$50.13
60	$22.72	$42.42	$62.13
65	$28.41	$53.82	$79.22
70	$36.47	$69.93	$103.38
75	$50.22	$97.43	$144.64
80	$71.44	$139.73	$207.99
85	$97.97	$192.74	$287.51
90	$176.59	$350.21	NA

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Burial Insurance Formula in Montana

When it comes to the payment of any of the goods or services needed in life, no one wants to go overboard, and this is especially true when considering the cost of burial insurance.

The best burial insurance policy should feature three important features:

A financially stable insurer provides the policy
In the shortest amount of time possible, it protects you
Compared to other companies, its costs are lower

There is, therefore, one thing that you need to keep in mind if you are looking for the best final expense life insurance policy.

Your choice of insurance agency will determine how good of a deal you get.

To help you find burial insurance, you should look for two main qualifications in an agent or agency.

A good final expense life insurance agency should be independent and represent a number of different companies. This is undoubtedly the most important factor. Don’t work with an agency that can’t provide you with many options. You can’t be sure you’re getting the best deal when you have only a few choices.
Funeral insurance agents must have a great deal of experience in this industry. You can find the best burial insurance in Montana by looking for an agency with these qualifications. If you decide to go elsewhere, make sure you look for those qualifications to ensure you get a great deal. If you are looking for burial insurance in Montana, we hope you will allow us to earn your trust.

Conclusion

In conclusion, Affordable Burial Insurance makes arrangements in advance and pays benefits to help cover the costs of a funeral, cremation, or other end-of-life expenses.

As we navigate the later stages of life, affordable burial insurance becomes a crucial element in our financial planning. This holds particularly true for seniors over the age of 70.

By making arrangements ahead of time, burial insurance ensures the necessary funds are available to cover the costs of a funeral, cremation, or other end-of-life expenses.

Recent reviews, such as the SBLI Insurance Review and their Sequoia Funeral Free Concierge service, offers valuable insights into insurance providers.

It can help ease the financial burden on your loved ones and allow you to choose how your funds will be spent.