CICA Life Burial Insurance Review In 2024

In today’s digitally driven world, seniors seeking peace of mind for their final expenses have a reliable ally in CICA Life Burial Insurance product, Superior Choice!

Designed to meet the unique needs of the senior demographic, this insurance product stands out for its comprehensive coverage options, affordability, and accessibility.

Overall, they offer coverage no matter what the health is. Yep, you heard that right.

By offering a blend of traditional values and modern convenience, CICA Life addresses the common concerns of seniors regarding burial and final expenses, ensuring a legacy of financial security and dignity.

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Through this article, we aim to demystify the options available, providing clarity and confidence to those exploring burial insurance solutions, and underscore the importance of making an informed decision with CICA Life at the forefront.

What is Burial Insurance?

Burial insurance is a type of policy that covers funeral expenses, ensuring a financial safety net for your loved ones. CICA Life Superior Choice burial insurance offers plans that cater to this need, balancing affordability with comprehensive coverage.

Features of Superior Choice Life Insurance

CICA Life Superior Choice Burial Insurance provides a simplified underwriting process, making it accessible to seniors with varying health conditions. Key features include:

  1. Superior Choice – Standard:
    • A non-participating, simplified underwritten insurance product.
    • Offers level guaranteed premiums, cash values, and death benefits.
    • Available for individuals aged 0 to 85.
    • Includes a Terminal Illness Accelerated Death Benefit and a Dismemberment Benefit.
    • Face amount varies based on issue age, ranging from $1,000 to $30,000.
  2. Superior Choice – Guaranteed Issue:
    • A non-participating whole life insurance product.
    • Provides level guaranteed premiums and cash values.
    • For the first two years, the death benefit equals 110% of premiums paid, except in cases of accidental death.
    • Available for ages 0 to 85.
    • Face amount varies by age, with a maximum of $30,000 for ages 0-70 and $10,000 for ages 71-85.
    • Includes Terminal Illness Accelerated Death Benefit and Accidental Death Benefit.

CICA Life Accepts Everyone

Below are the health questions on CICA Life’s application. Answer all questions “NO” to receive standard level approval. However, is any of the answers to the question are yes, then its guaranteed issue.

If you are being treated for the following, you will receive immediate coverage without a waiting period.

Underwriting Questions

Answer “yes” to any questions for CICA Guaranteed Issue; answer “no” to all questions for CICA Standard.

I affirm that the answers provided below will be true and complete to the best of my knowledge and belief.

  1. Are you currently hospitalized, confined to a bed or nursing facility, residing in an assisted living facility, receiving hospice care, or do you have any physical or mental impairment for which you need or receive assistance or supervision in performing normal activities of daily living, unable to care for yourself, or terminally ill?
  2. Tested positive for exposure to the HIV infection or been diagnosed as having ARC or AIDS caused by the HIV infection or other sickness or condition derived from such infection.
  3. Have you been diagnosed by a licensed member of the medical profession with more than one occurrence of any cancer, a recurrence of any cancer, metastasis of any cancer, or currently being treated for cancer (excluding basal cell or squamous cell skin cancer)?
  4. In the past 10 years, have you been medically diagnosed, for which you have not been treated by a licensed member of the medical profession, or have not taken medication for the following: uncontrolled diabetes, uncontrolled high blood pressure, stroke/TIA, paralysis, Congestive Heart Failure, heart disease, cardiomyopathy, lung disease (including COPD/ emphysema), liver cirrhosis or failure, kidney (renal) failure/insufficiency, or chronic/end-stage kidney disease (including dialysis)?
  5. Have you ever been medically diagnosed, treated by a licensed member of the medical profession, or taken medication for mental disorder, disorder of the brain or nervous system, Systemic Lupus (SLE), Alzheimer’s disease, dementia, brain disease, organic brain syndrome, Lou Gehrig’s disease (ALS), Huntington’s disease, Muscular Dystrophy, Cystic Fibrosis, Pulmonary Fibrosis, or Multiple Myeloma?
  6. In the past 2 years, have you been hospitalized 2 or more times, or have you been advised or recommended to have any tests, treatment, surgery, or hospitalization which has not been received or completed?
  7. Within the last 2 years, have you been treated for or been advised by a licensed medical professional to have treatment for alcohol, drug, opioid, or controlled substance abuse, plead guilty or been convicted of a felony or misdemeanor for any reason, or attempted suicide?
  8. Within the last 5 years have you been advised to by a licensed member of the medical profession to have an organ transplant?

Addressing Senior Concerns

Coverage and Costs: Understandably, seniors are concerned about balancing costs with adequate coverage. CICA Life Superior Choice offers flexible plans to suit different budgets.

Eligibility and Age Limits: Eligibility is inclusive, catering to individuals up to 85 years old.

Premium Stability: One significant advantage is the promise of no premium increases despite age or health changes.

Unique Benefits

No Medical Exam: For those concerned about health screenings, CICA Life Superior Choice Burial Insurance offers guaranteed acceptance policies.

Policy Loans and Withdrawals: These policies offer financial flexibility, allowing policyholders to borrow against their policy if needed.

The Claims Process

Simplified and straightforward, ensuring beneficiaries can easily access funds when needed.

CICA Life Company Contact Information

Company Contact Information

Address: 11815 Alterra Pkwy, Suite 1500 Austin, TX 78758

Phone: (512) 837-7100




“Burial Insurance with CICA Life Superior Choice” stands out as a reliable option for seniors. Its balance of affordability, comprehensive coverage, and ease of access make it a prudent choice for end-of-life planning.


What age range does CICA Life Superior Choice cover?

Individuals aged 0 to 85 are eligible for coverage.

Do CICA Life Superior Choice policies require medical exams?

No, there are options available without the need for medical exams.

How does the cash value of the policy work?

Some policies accumulate cash value over time, providing additional financial benefits.

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