Finding the right burial insurance in Oklahoma does not have to be difficult, and final expense insurance policies can make certain that your family has plenty of money to pay for a variety of final expenses. These might include the cost of a funeral and burial, but they also might include settling a loved one's debts or even paying doctor bills. We encourage every Oklahoman to take a little time to learn about funeral insurance to make the best choice for themselves or elderly parents. We can help you shop for life insurance for seniors or younger people in your family. Simply enter your home ZIP code in the box on this website to access free online quotes. Contact us by phone if you would like to ask questions or to get help signing up.
A burial policy provides a way for seniors or their families to help plan for the expenses that tend to occur after a loved one passes away.
Burial insurance companies charge a monthly premium, and it is based upon the amount of coverage and the health and age of the applicant. While some insurers offer these plans beginning almost at birth, many are only open to people from about 45 to over 80 years old. These are some sample monthly premiums for a burial insurance plan Oklahoma for a man who is 71 and does not smoke:
Important: These sample prices could vary by insurer, location, and underwriting. Who pays for a final expense insurance policy? Some older folks buy a policy for themselves, but very often, adult kids will offer to pay premiums for their parents. No matter who actually pays, the person who will get covered needs to participate in the application process. Also, we suggest setting up automatic ACH debit payments to make sure the policy stays in force.
Many companies offer burial insurance in Oklahoma, but there are two basic types. Selecting the right one can impact your price quotes and benefits. Some burial insurance companies require the answers to a few health questions, but they still accept the majority of applicants who are relatively healthy for their age. Guaranteed issue life insurance policies do not require the answer to any health questions at all, and they might be the right choice for people who have severe medical issues. If possible, it is better to take the time to answer a few medical questions. These plans will be cheaper and offer the full death benefit as soon as the coverage gets issued. Guaranteed issue life insurance policies have a waiting period that the insured person must outlive before they pay the full death benefit. Before that, the plans will either pay out some percentage of the full death benefit or offer to return premiums paid, sometimes with interest.
Get online comparisons right on our website. The quote system only requires your ZIP code to get started. If you have more questions, please call and ask to speak with a licensed agent. We work hard to help our clients find the right burial policy for their own unique needs.
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