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There is a NEW 2023 state Regulated program that’s payable to you in addition to the $255 Death Benefit that social security pays, Available in your state
The Federal Government only pays a maximum of just $255 towards funeral expenses. The average funeral is over $9,000. *.

* Source: NFDA, National Funeral Directors Association Security Lump-Sum Death Payment Social Security Lump-Sum Death Payment (LSDP) Benefits are a federally funded program managed by the U.S. Social Security Administration (SSA). A surviving spouse or child may receive a special lump-sum death payment of $255 if they meet certain requirements.


You’ll instantly see multiple quotes from top-rated final expense companies in your state. Commonly known as burial insurance or funeral insurance, final expense insurance is designed to help cover end-of-life expenses.

No health examinations are necessary– only a few health questions on a one-page application. Most people get coverage, even with health issues.

  • You may qualify for a state-regulated burial program to pay for your final expenses regardless of your medical condition even if you have been turned down before.
  • Benefits available to seniors ages 50-85 for all funeral expenses.
  • It is important you know how to qualify for this benefit available to you.
  • This benefit will pay 100% of all funeral expenses up to $35000. upon passing away.
  • This payment is tax-free for Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming residents.
  • You are entitled to receive this free information as a resident
  • Final expense insurance program.

Start a free No Obligation quote and compare rates from top-rated final expense companies

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Your free Benefits information for Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming residents’

Affordable burial insurance for seniors, If all you want is an instant final expense insurance quote, feel free to use the quote form on this page.

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The simple fact is that Medicare coverage ends, well, when your one dies. And Social Security’s death benefit is a mere $255. According to the National Funeral Directors Association, the average cost of a funeral in 2022 was $10,508, not including the cemetery, monument, or market costs.

Relying on retirement assets left to your estate to pay the bill is 1 option. or Purchasing a final expense or Funeral expense insurance policy

Final expense insurance, burial insurance, or funeral insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. Final expense insurance is also known as burial insurance.

Unfortunately, even bare-bones funerals can cost thousands of dollars. A final expense policy– also called burial insurance, funeral insurance, or end-of-life insurance– gives your loved ones a sum of money upon your death that can be used to cover any expenses you leave behind, such as medical bills and funeral costs. We all know that losing a loved one is tough and that funerals are expensive.

So here’s the bottom line. You’re on our website for a reason because you care about your loved ones and you would never want to burden them with unpaid funeral costs. Well, you are in luck because we can show you a simple and affordable way to ensure that never happens.

It’s called final expense life insurance. If you currently do not have a way to ensure your end-of-life costs are paid for, a final expense life insurance plan is the answer.


state-regulated life insurance program

The Best Final Expense Whole Life Insurance and Burial Insurance Companies Lincoln Heritage,unitedhomelife AIG; Americo; Fidelity life, Phoenix, Assurity; Foresters; Gerber; Mutual of Omaha; Royal neighbors,

When looking for the best whole life final expense insurance or burial insurance for 2022 we believe that it is imperative that you choose a company that specializes in the niche area of final expense whole life insurance

Final expense insurance is used to cover the charges of affairs specifically related to your death. This may include the cost of a funeral service, burial, and other expenses associated with your “final expenses.” This coverage is often known as “burial insurance” or “funeral insurance.” The face amount of this coverage isn’t high, with benefits usually varying between $5,000 and $50,000 per policy.

Final Expense Insurance is often purchased with the purpose of having funds available to pay off any remaining debts or final expenses. Final expenses may include medical bills; long-term care costs, credit card balances, loans, remaining mortgage balance, and other financial debts.

Burial Insurance and Final Expense Life Insurance Policies-BENEFIT INFORMATION AZ RESIDENTS

  • Whole life insurance
  • Guaranteed cash values
  • Fixed premium payments
  • Designed for senior citizens
  • Death benefits range from $2,000– $100,000.
  • Simplified issue meaning no exam required.
  • Easy application process.
  • Often approved quickly.
  • Relatively affordable rates.

Is there a difference between burial insurance and final expense insurance? The quick and simple answer is no.

Request your free benefit information Today

There really is no difference other than the actual name. You may have seen life insurance coverage being offered by the names of burial insurance, final expense insurance, and even pre-need funeral insurance. All of these names are commonly used terms to describe what is really whole life insurance policies for seniors.

Although burial and final expense insurance are the same type of life insurance coverage one could argue that there is a difference in how the death benefit is intended to be used and we couldn’t agree more.


CompanyPolicy typeIssue agesCoverage amountsType of death benefit
qa1The Funeral Advantage Program40-85$5,000 up to $20,000level and graded
qa2LifeScape ® Simplified Whole LifeLevel 0-80$5,000-- $50,000 Depending on Type of Death BenefitLevel, 2 Year Graded & 2 Year Modified Death Benefit
qa3RAPIDecision ® Senior Life Term & Whole Life50-85 Depending on Type of Death Benefit$10,000-$ 150,00010, 20 & 30 Year Term or Whole Life
qa4Gerber Life Guaranteed Life50-80$5,000-$ 25,0002 Year Graded Death Benefit
e1Phoenix Remembrance Life ®30-80$10,000-$ 100,000 depends on ageLevel Death Benefit
e2Guaranteed Issue Whole Life50-85$5,000-$ 25,0002 Year Graded Death Benefit
ea1Simplified Issue Whole Life50-85$3,000-$ 25,000simplified and graded
ea2Foresters PlanRight Whole Life Insurance50-85 depends on Type of Death Benefit$2,000-$35,000Level, 2 Year Graded and 2 Year Modified Death Benefit
disability income insurance companiesLiving Promise Whole Life Insurance45-85$2,000-$40,000Level and 2 Year Graded Death Benefit
ea6Ultra Protector I, II & III Non-Participating Whole Life50-85 Depending on Type of Death BenefitI & II: $2,000 – $30,000 III: $2,000 – $10,000Level & 3 Year Graded Benefit

Depending on how your policy is structured, a whole life burial policy may or may not allow you to accumulate a cash value that you can borrow against. Burial insurance policies typically range from $4,000 to $45,000 and this death benefit can be paid directly to your beneficiaries to manage burial costs.

This is different from traditional life insurance, which may offer $1 million or more in coverage and can be used to pay burial expenses, as well as everyday living expenses, college costs or mortgages, and other debts. If burial insurance is a missing piece of your financial plan, consider these companies for getting the coverage you need to pay for final expenses.

” Burial insurance” usually refers to a whole life insurance policy with a death benefit of from $5,000 to $25,000. As its nickname implies, people buy this type of policy to provide money for funeral and burial costs for themselves and/or family members. It is possible to buy a policy after answering a few health-related questions on the application and with no medical exam.

Premiums are payable weekly or monthly. The premium is usually collected at the policy owner’s home or workplace, and the premium is usually a small round number, such as $2 or $3 per week; the death benefit is whatever that premium will buy given the insured’s current age.

For example, a $3 per week premium might buy a $6,000 death benefit for a 36-year-old man or an $18,000 death benefit for a 10-year-old boy.
Burial policies may be designed to cover one person or everyone in a family.

Under some state laws, funeral homes may be licensed to sell burial insurance, funeral insurance Arizona but it is mainly sold through brokers and agents of insurance companies licensed to sell life insurance.

An approach that is similar to burial life insurance (and sometimes called burial or “pre-need” insurance) is pre-payment of your funeral arrangements. Under this program, you may select the funeral home, type of service, casket (or cremation), flowers, headstone