Buying The Best Burial Insurance Kansas In 2024
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
With close to 1000 life insurance carriers, buying the best burial insurance Kansas plan can be challenging. We will review the keys to getting the best final expense insurance Kansas plan available.
A burial insurance policy is an insurance policy that pays out a death benefit to cover the costs of your burial expenses. Burial insurance is also called “final expense insurance” or “funeral insurance.”
The average funeral cost in the United States ranges from $6,971 to $7,848, according to the National Funeral Directors Association. These costs can be a financial burden on your loved ones at an already difficult time.
A burial insurance policy can help relieve this burden by paying out a death benefit to cover the costs of your burial expenses. In Kansas, burial insurance policies are available from several different insurers.
Keep reading to learn more about burial insurance in Kansas and how to find the best policy for your needs.
Article Navigation
What is Burial Insurance In Kansas
Burial insurance in Kansas is a kind of life insurance that you can use to cover the costs of your funeral and burial.
It is vital to have this type of insurance in place so that your loved ones are not left with the burden of paying for your funeral.
Funeral costs can be expensive, and burial insurance can help to ease the financial burden on your loved ones.
Burial insurance is usually a whole life insurance policy, which means it does not expire. As long as you pay your premiums, the death benefit will be paid out to your beneficiaries when you die.
Some policies have a cash value component, which you can use to pay for your policy premiums or other expenses.
If you are alive in Kansas, there are a few things you should know about burial insurance in your state:
- A licensed life insurance company must issue all policies.
- The death benefit must be at least $1,000.
- You must name your beneficiaries on the policy to receive the death benefit.
How does Burial Insurance in Kansas work
When the insured dies, burial insurance will pay out a lump sum to pay for the funeral arrangements, medical expenses, and other related expenses.
If you are considering buying burial insurance in Kansas, it is vital to understand how it works. Here are some of the essential details about this type of policy:
How much does burial insurance cost in Kansas? The price of burial insurance depends on factors such as age, health, and lifestyle choices.
How long does it last? You can typically keep your burial insurance policy for up to 20 years after purchasing it. However, many people choose to renew their policies at least once during this period.
What types of coverage does it offer? There are two main types of burial policies: whole life and term life. Each type provides different levels of coverage depending on your needs and budget.
What happens if I cancel my policy? If you cancel your burial insurance policy, it will not refund any of your paid premiums. However, your beneficiary will still receive the death benefit.
How Final Expense Insurance Gives Peace Of Mind
Many people ask us about the final expense of life insurance at the beginning of the process. It’s an important question, so let’s clear the air.
It is straightforward to understand these policies.
- There is no age limit on the policy.
- You cannot reduce death benefits
- A face value of $2,000 is available
- There can be no increase in the monthly payments
- Underwriting is incredibly lax
Underwriting is undoubtedly the most notable characteristic of burial insurance plans. Having been designed for seniors, they are built to accept people with health problems.
Therefore, seniors with serious health issues can buy a policy designed to cover funeral costs in the event of their death. That feature is not available with any other type of life insurance.
Average Funeral Costs in Kansas
It is estimated that the average funeral cost in Kansas is $8,500 – but this does not include things such as a casket, flowers, transportation, or other memorial services that it may consist of, as well as local costs that may vary.
Here is the average cost of burial insurance Kansas plans for a male and female ages 50-85.
Cost of Burial Insurance For 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 |
Cost of Burial Insurance For 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 |
It’s important to talk to us as there are so many wrong paths and so few right paths to go down. You must be vigilant and avoid carriers like State farm for life insurance.
Just ask Lisa and Danny, and you will get the best answer.
The Leading Causes Of Death In Kansas
- Heart Disease
- Chronic Lower Respiratory Disease
- Cancer
- Accidents
- Alzheimer’s disease
- Stroke
- Suicide
- Diabetes
- Kidney Disease
- Flu/Pneumonia
Kansas Life Expectancy
Despite the alarming national trend, local life expectancy varies widely. Kansas has the 32nd greatest birth life expectancy at 78.5 years, just below the national average of 79.2 years.
Behavioral variables affect individual and group life expectancy. Smoking is the most significant cause of mortality in the U.S., and Kansas adults smoke more than average.
17.9% of the state’s 18-and-older population smokes daily or most days and has smoked 100 cigarettes or more. 16.6% of adults smoke.
Free Look Period
Insurers must give consumers a chance to test a policy before purchasing one. Free look periods last for a certain period. Kansas offers a 10-day free trial period.
You can return any life insurance policy during this time, and you will refund premiums.
Remember that you can still cancel your life insurance even after the free look period has ended. You cannot be locked into a policy by any insurance company.
However, any premiums you pay will not be refunded.
Funeral & Burial Expectations In Kansas
State laws govern what happens to a corpse after death. It covers embalming, cremation, and burial. Here are Kansas’s laws.
Death Certificates
Kansas’s IDRS records all deaths. The funeral director initiates them. When they’re done, the documentation is sent to the medical certifier, who might be a coroner, doctor, or health officer.
They submit their medical information and PIN. Death certificates are sent to local health departments. When accepted, it’s sent to the State Department of Health for acceptance, then recorded and filed.
Embalming, Refrigeration
There are no embalming laws in Kansas. When needed, refrigeration may be utilized, although no rule governs it.
Burial Requirements
Kansas has burial laws like other states. State law doesn’t require a coffin, but your cemetery may. State law doesn’t require a coffin, but your cemetery might be.
If you want a casket from another business, the funeral home must take it. Kansas law says funerals must happen in a “reasonable” time.
Before a dead person can be buried on private property, the local government must build a cemetery.
Cremation Services
A body may be buried or cremated by the following people in Kansas:
- The deceased
- A spouse
- A person who has a power of attorney for health care
- Children
- Parents
- Someone in the next degree of kinship
You must file a form with the county recorder within ten days of scattering the ashes in Kansas.
Kansas burial insurance bulletproof plan
We must define something before we reveal our time-tested plan for helping you find the right and most affordable insurance plan.
Is there a suitable burial insurance policy?
There is a lot of information about “affordable burial insurance,” but what exactly does it entail?
There are three factors to consider to determine if a burial policy is right for YOU.
- The insurance company is in good financial standing.
- Make sure to find a coverage plan with no waiting period.
- We offer a competitive rate compared to other insurance companies.
You’ve found the greatest if you can obtain a policy with all three.
How To Find It
When you need legal advice or health care, you consult with your lawyer. When it comes to insurance, you consult your doctor.
The best way to find burial insurance is to work with a licensed agent specializing in final expense policies.
An independent broker representing multiple final expense companies can help you find the best burial insurance in Kansas.
Their job is to find the best policy for your needs by comparing policies from multiple companies.
Crazy, but true.
InsuranceForBurial.com is an independent agency that does not charge you anything. Unlike a lawyer or doctor, you don’t have to pay a dime to work with an insurance agent.
It is how we can provide free services since we are paid directly by insurance companies.
Related Articles
How InsuranceForBurial.com Can Save You A Bundle
It’s no secret that you have many choices when purchasing insurance. Maybe you’re looking for personal insurance, or perhaps you’re buying funeral insurance for someone else.
Choosing the right company for your project is essential, no matter who you buy for. What makes us the best choice?
Having an answer to this question would be greatly appreciated. We believe we should be allowed to assist you in such a crucial manner for three reasons.
- With over 21 different final expense life insurance companies to choose from, we are an independent agency for the foreseeable future.
- In other words, we are committed to helping you achieve your goals. We can do some things to make more money for ourselves, but that is not how we do things. We will survey the market and find you a policy that pays us less than any other agency can offer you after we are done helping you.
- Due to our vast experience and skill in underwriting, we know how each of these 21 companies operates. We have the knowledge and expertise necessary to deliver the value you deserve when dealing with insurers who respond to your health issues.
When you choose another agent, make sure they are a specialized funeral life insurance agency with access to at least ten companies.
It is always up to you whether you make the best choice with funeral insurance in Kansas for you and your family.
More States Burial Insurance Information
