Buying burial insurance in Louisiana can be one way for seniors and their families to prepare for the high cost of funerals in this state. Sometimes burial insurance for seniors is also called funeral insurance or final expense insurance, and it provides a way to make monthly payments while the insured person is still alive. When that person passes away, the plans pay cash to the beneficiary that can be used to finance a dignified funeral. Any money that is left over can get spent in any way that the policy beneficiary chooses. We can make it easy to find the best burial insurance in Louisiana for yourself or for your elderly parents. Begin by entering your ZIP code in the quote box at the top of this page. After comparing local burial insurance companies, you are also welcome to call us for assistance and information.
For many families, funerals are the most expensive thing that they ever need to buy after a home and an auto. Cremations are cheaper than burials, but that is not what everybody wants for themselves or their loved ones. Final expense insurance provides a way to make monthly payments and be certain that there is plenty of cash to make funeral arrangements.
The cost of burial insurance plans will depend upon the applicant's age, health, the company, and some other factors. However, it might be interesting to compare some example monthly premiums for 79-year-old male nonsmoker in Louisiana:
Please note that these are only example burial insurance rates for LA, and these premiums could depend upon underwriting and are subject to change. Who usually pays for a burial policy? Some seniors will purchase a plan for themselves, and they do this to ensure that their family has the money to take care of funeral arrangements. In other cases, adult children will offer to pay the premiums for their parents because the beneficiaries are actually the ones who will gain from having this protection. While adult children are free to help their parents shop for a burial plan, it is important to note that the person that will get covered does need to be included in the process. The insured person, for example, might need to take a short phone interview or sign a form.
Even older people who are not in good health can qualify for this type of insurance. While some companies do ask a few health questions on the application, others have guaranteed acceptance burial plans that do not require any medical information at all. The right choice really depends upon the price, benefits, and the age and health of the applicant. Also, since these plans are offered to elderly people, they are usually open to applicants from about 50 to 80. However, some companies may offer plans for people over 80 in relatively good health.
You do not have to travel to get help searching for the right plan. Start comparing options by keying your ZIP code into the form at the top of this page. After viewing a list burial insurance companies in your Louisiana city, you are also free to call us for more information. By providing both online insurance quotes and personal service from licensed agents, we work hard to help our clients find the right coverage at the right price.
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