Funeral Insurance

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What is Funeral Insurance?

Death is an emotional event and the organisation of a funeral can be a strain to everyone who is involved. Funeral insurance takes care of all the fine details of a funeral. The flowers, cask, service, and every aspect in between is covered by funeral insurance.

What options are there with Funeral Insurance?

1. Whole life insurance. When you see commercials for funeral insurance or burial insurance, they are usually advertising whole life insurance. Whole life insurance is a life insurance policy that remains in place for the insured's whole life and often requires premiums to be paid every year into the policy.
2. Term life insurance. It provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments and/or conditions.
3. Pre-need insurance. This insurance offers a way for consumers to pre-pay funeral and burial expenses prior to death. Pre-paying funeral expenses removes the burden of funeral costs from surviving family members after a loved one's death.

Does Funeral Insurance differ across different insurers?

Funeral insurance across different insurers will only really differ in price. Every funeral insurer should provide insurance using one of the three previously listed types of funeral insurance.

How much does Funeral Insurance cost?

Funeral insurance can vary widely in price according to the products and services desired for the funeral. These include:

• A casket/urn
• Cremation or embalming
• A burial vault or grave liner
• A grave marker
• Arrangements for flowers
• Arrangements for a hearse and other funeral vehicles
• Arrangements for digging and filling a grave site
• Purchase of a burial plot

These specifications can change the price of your policy greatly.

Why You Should Get Funeral Insurance

Funeral insurance is not very expensive and offers your family the protection that they need when your time comes to die. The insurance has many varieties and gives you the peace of mind knowing that's when your time comes, your family won't have to deal with a lot of expenses. The last thing you want your family to have to do is using their own savings for your funeral.

Alternative names for Funeral Insurance

Also known as Burial Insurance.

See also: funeral insurance quote