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Burial Insurance in Massachusetts

Some of our clients want to purchase life insurance for seniors, but they are concerned about preexisting medical conditions. Funeral insurance has been designed to help most older applicants qualify. That is true even if an elderly person has a health problem. There’s also another advantage to using a burial policy to plan for funerals and other final expenses. Even though these policies might get referred to as final expense insurance, the beneficiary can use the proceeds in any way that he or she chooses to. We can help you compare many different kinds of life insurance for seniors in Massachusetts, younger adults, and even children. Just enter a ZIP code in the box at the top of this page. After browsing local options, you are also welcome to call us for advice from a licensed agent.

Burial Insurance In Massachusetts Quick Facts

  • Expected MA life span: 78.76
  • Average MA household income: $56,853
  • Typical MA funeral costs: About $10,000
  • Typical MA cremation package: About $1,000
  • Boston population: 617,594
  • South Boston population: 571,281
  • Worcester population: 181,045
  • Springfield population: 153,060
  • Lowell population: 106,519

How Much Does a Burial Policy Cost in Massachusetts?

Local burial insurance companies base their rates mostly upon age, gender, smoking, health, and location. For example, these are some example rates for a Massachusetts woman who is 51 and smokes:

  • $5,000: $17.18
  • $10,000: $32.16
  • $15,000: $47.15

Note: These are only sample prices. They could vary because of location and health underwriting. Many older people find these plans affordable, but often, adult kids also offer to pay because they are the ones who will actually receive the proceeds. Either way, the individual who applies for coverage does need to get included in the process. That person might have to answer a few questions over the phone or sign papers. Also, setting up automatic payments will save you from problems and possibly save you money. It prevents policies from lapsing because a bill got missed in the mail.

Guaranteed Acceptance Life Insurance Companies in Massachusetts

You don’t have to worry about any preexisting health problems if you apply for coverage through a guaranteed acceptance life insurance company. These insurers do not even ask any health questions. They do, however, impose a waiting period before they will pay out the full benefit. These may last two or three years, and the policy will only refund premiums or pay part of the face value if the insured person passes away before the waiting period is over. However, most active seniors can still qualify for simplified issue plans. These ask a couple of health questions on the application, but they do not need a medical exam. You will also find that rates are cheaper, they offer a larger selection of benefits, and the death benefit is fully payable as soon as the insurer issues a policy.

Find the Best Final Expense Insurance for Yourself or Your Parents

You can compare quotes online for yourself, your elderly parents, or even your children. We provide life insurance solutions, and all you need to do is type a ZIP code in the form on this page to begin. We also welcome your calls, and a licensed agent will be eager to answer your questions. By offering 24/7 side-by-side company comparisons and agent support, we provide solutions to our clients from childhood to over 80.