Are you trying to decide if a burial insurance plan in Arizona is the right solution to plan for the high cost of a funeral and other final expenses? The advantage of final expense insurance, sometimes called funeral insurance, is that the premiums are affordable for many seniors or their families. Also, it is not always easy to predict the future, and these policies pay cash to the beneficiaries that they can use in any way that they need to. We would like to help you compare burial insurance companies rates to make sure you find the right benefits and cheapest premiums.
Many elderly parents live on a fixed income, so saving for their own funeral may not be possible. The expense can also be a burden for many families with average incomes. Burial insurance for seniors can provide a way to plan for this expense.
The cost of coverage depends upon many individual factors, but these are some example monthly premiums for a 56-year-old male who smokes in Arizona:
Seniors may purchase a plan for themselves, and they do it because they want to be sure their family does not have to worry about coming up with extra money for a funeral. In other cases, grown children will pay for coverage. Even though adult children can help their elderly parents shop for burial plans, the person that will get insured does need to get involved at the end of the process. This might involve signing a policy or answering a few questions in a telephone interview.
Many insurers offer plans for individuals from about age 50 to individuals over 80. With almost all of these burial insurance products, the application process is kept very short and simple. However, you might wonder if some medical condition will get an application declined. The answer is that there is a plan on the market for almost everybody. Consider the two basic kinds of burial insurance in AZ:
Answering some health questions will probably gain somewhat lower rates and an immediate death benefit. Companies that don't ask any questions may charge more and include a waiting period that the insured person must survive before the full face value is payable. Before that two or three-year waiting period expires, the policy might refund premiums or pay some percentage of the death benefit back to the beneficiaries.
As you can see, prices and benefits can vary because of the location of the individual applicant. Provide our online quote form with your ZIP code to see a list of good companies in your town or city. If you have questions about covering yourself or your parents, give us a call. Our licensed agents are eager to help all of our clients find the right burial policy at an affordable price.
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