Why do seniors and their families buy burial insurance in Maryland? If you have made funeral arrangements lately, you probably know that average funerals can cost several thousand dollars. This is a tough burden for many middle-income families. Meanwhile, final expense insurance offers a cash benefit that the policy heirs can use in any way that they have to. This cash death benefit relieves the financial burden to pay for a suitable funeral. We can help you find the best burial insurance in Maryland online or over the phone. If you type a ZIP code into the form on the top of the page, you will see a list of top local burial insurance companies. Our experienced agents also welcome your questions over the phone.
Cost of a Maryland Burial Insurance Policy Prices depend upon the applicant's age, health, location, and their use of tobacco. For example, these are some sample prices for a Maryland man who is 49 and smokes:
Note: These prices are only examples, and you might find quotes vary because of the company, health underwriting, and exact location. Many seniors find the price affordable, but some adult children also offer to pay the premiums for their parents because they will benefit from the proceeds. Either way, these are some things to remember about applying and paying for a burial policy:
You may have heard that you can buy guaranteed issue life insurance policies, and you won't need to answer any health questions. This is true, but these types of policies do impose a waiting period of two or three years. Before that time expires, the plan only refunds premiums or pays some percentage of the death benefits. Most relatively healthy people can find an immediate death benefit and cheaper prices by answering a few health questions. While people with a very recent history of serious medical problems still might need guaranteed issue life insurance, taking the time to answer medical questions could actually save money and open up more choices. Some of these plans even accept people over 80 years old.
A burial plan might be the right choice for your family, but you need to compare both prices and benefits to find the right one. We offer quick online quotes, and you only need to supply your ZIP code to begin. Licensed agents can answer your questions over the phone too. By combining online comparison tools and friendly service, we strive to help our clients find the right benefits at an affordable price.
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