When many older people look for life insurance, what they really want is a product that is sometimes called final expense insurance or burial insurance. While burial insurance in Nebraska is fairly easy to find, it helps to understand this product to find the best prices and benefits for your own particular situation. Would you like to shop for funeral insurance for yourself or your elderly parents? If so, we can help you compare burial insurance options in Nebraska with our online quotes, and you only need to provide the system with your ZIP code to begin. As always, we are also here to provide you with professional advice if you give us a call.
The National Funeral Director's Association says that 43 percent of Americans chose a cremation in 2012, and that might be because it is cheaper. However, that might not be the solution your parents prefer, so it is a good idea to learn how to financially prepare for the dignified funeral they would rather have.
Typically, Nebraska burial insurance companies base their rates upon age and health. While you can find plans that cover people from early middle age up to seniors over 80, rates will usually be the most affordable for younger people and people in relatively good health. Here are some sample burial insurance rates for a female in Nebraska who is 51 and smokes:
Note: These are only sample burial insurance prices, and they could vary because of location, the insurer, or underwriting. Also, you are free to shop for a policy for your elderly parents, but these are some things to keep in mind. Anybody can pay for the policy, but the person who will actually be covered does need to get included in the application process. Also, it is most convenient and suggested to pay with an automatic debit from a checking or savings account to insure the policy does not lapse for non-payment.
Most large burial insurance companies offer two types of plans. Guaranteed issue life insurance policies do not ask any health questions, and they accept every qualified applicant. Simplified issue policies do ask a few questions, but they do not require a physical exam. If possible, it is better to answer a few questions because these are the key to finding cheaper premiums and better benefits. For example, guaranteed issue burial insurance policies do not offer an immediate death benefit, but the insured person will have to survive a waiting period before the full face value will be paid. Before that, the insurers might refund the premiums or pay some portion of the full face value. However, guaranteed issue life insurance can help people with serious medical problems get covered.
We work hard to help all of our clients find the right solutions for their own needs. You might want to begin by getting quotes from our online system. Simply enter your local ZIP code to begin. After that, call us and ask to speak with a licensed agent if you need more assistance. There is not one right burial insurance policy in Nebraska for everybody, but we can help you find the right choice for you and your family.
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