While you’re here, join the people who are downloading our free Funeral Planning Fact Sheet. It has a list of over 121 things that NEED to be considered when preplanning a funeral. We’re only able to give out a limited number of these, so don’t miss out!
Don’t tell me you haven’t done this yet…
Why don’t you have funeral insurance? It’s such an easy thing to get, especially when you consider #5 below.
Also known as burial insurance or final expense insurance, funeral insurance is a cheap way to protect your family and pay for your final expenses after your death.
Things like funeral home bills, burial plots, caskets, flower, and more cost thousands of dollars. Then when you add on any debts you may have, there are lots of reasons you need funeral insurance.
In fact, you MUST have funeral insurance. We’ll go into more detail below, but we’ll go over these fundamental reasons that you should buy it today.
No more putting it off, people! 🙂
Reasons You Need Funeral Insurance
- Funerals are expensive
- Life insurance itself doesn’t cover everything you need
- Funeral insurance has low rates when compared to life insurance
- It is SIMPLE to apply and be accepted for funeral insurance
- It is very easy to qualify for funeral insurance – much easier than typical life insurance
Lets explore each of these in more detail.
But first, don’t miss this…
#1 – Funerals Are Expensive
Have you had to pay for a funeral lately? If so, you know that funerals and final expenses can cost upwards of $20,000. Does your family have that kind of money to spend? Most people don’t.
Even if your family does have money to cover your funeral, wouldn’t you like to keep them from having to spend it? Funeral insurance keeps them from having to fork over their own money. Instead, they will get a check to pay for everything.
It’s a nice final gift to give to those you love.
And don’t think other forms of life insurance will give you what you need, because…
#2 – Life Insurance Doesn’t Cover It All
People sometimes don’t buy funeral insurance because they already have life insurance and think that they don’t need anything else.
Why? For one, many people don’t understand their life insurance policy. I’ve seen a lot of times that the life insurance policy they think they have expired or they let the premiums lapse, and the policy is no longer in force.
Is your life insurance policy a term life policy? Then it will expire when you reach a certain age. A funeral insurance policy never expires. Your family is guaranteed to get the money from the premium.
Also, when you bought that other life insurance policy, what did a funeral cost? Back then, a funeral probably cost a fraction of what it cost now. Will your policy cover it all? Even if it does, you probably want your life insurance money going to help your family with their daily living expenses, not paying more money for you.
Funeral insurance will allow them to enjoy your life insurance money while also being able to bury you with dignity.
#3 – Funeral Insurance Policies Are Cheap
A funeral insurance policy is much cheaper than other forms of life insurance. If you have another policy, it’s worth taking a look to see if you can find something better through a funeral insurance policy.
You can find face values of up to $35,000 or more, but all the way down to $1,000. You have many options to find exactly what fits your budget.
In the end, it’s a very small price to pay for helping your family get the protection you know they deserve.
#4 – It’s SIMPLE To Apply For Funeral Insurance
Most funeral insurance policies have a 2-4 page application. All it takes is to give your vital stats and answer a few health questions. Your agent can then quickly figure out your rate, and you can be covered.
In less than 20 minutes you can go from having no plan to being covered in the event of your death.
Many people don’t want to take the time to get covered, but it doesn’t take any time at all to get funeral insurance.
Which leads us to the last, and best, of the reason you need funeral insurance…
#5 – It Is Easy To Qualify For Funeral Insurance
Afraid of all the medical requirements of life insurance? Well, with funeral insurance, you have very little of that to worry about. There is no medical evaluation, and all you’ll have to answer are some minor health questions.
And even if you don’t pass all of the questions, you still will probably be eligible. You don’t have to have perfect health to qualify for funeral insurance.
Too old? Doubt it. Most funeral insurance policies cover people well into their 80s.
How Can You Get Funeral Insurance?
So you you can see there are many reasons you need funeral insurance. It’s easy to apply, it’s cheap, and you don’t want to leave that burden to the people you love.
The best way to get a funeral insurance plan is to talk to an agent. If you’d like, you can contact us or request a quote, and we’d be happy to set you up with a wonderful plan that fits your budget and protects your loved ones.
Outside of the North Texas area? No problem, we can get you set up over the phone.
And don’t forget to download our Funeral Planning Fact Sheet. It has a list of over 121 things that need to be considered when preplanning a funeral.