You can purchase a kind of burial insurance policy in Oregon, often called final expense insurance, that has been specifically designed to help families pay for final expenses. Since this is senior life insurance, it has a cash benefit that heirs to the policy are free to use in any way they need to after their loved one passes away. Unlike some other life insurance, it is usually very easy to apply for and accepts most applicants. If you would like to compare burial insurance in Oregon, we can help. Enter your ZIP code in our quote form to compare local plans and quotes. After you view available burial insurance companies, you are free to give us a call for more assistance.
The National Funeral Directors Association says that Oregon is one of the top states where cremations are popular. In 2012, 70.9 percent of deaths were cremated rather than buried. However, cremation is still not the first choice of every family, and there are many end-of-life expenses to consider besides grave sites.
Local burial insurance companies consider age, health, and location when they set prices and benefits. These plans are kept affordable for many families, but they will be cheaper for younger people and people without serious medical conditions. Consider some examples burial insurance rates for an Oregon woman is 71 and smokes:
Note: These are just example burial insurance prices for Oregon, and they could be different because of health underwriting, location, or company. Either adult children or their elderly parents might offer to pay the premiums. Regardless of who pays or shops for a policy, the individual who gets insurance does need to get involved in the process. He or she might be asked to take a quick telephone interview or sign the application. Also, it is most convenient if payments get handled via an ACH debit from a savings or checking account.
There are burial insurance plans for almost everybody, and that even includes people who already have serious illnesses. This is because you can find both simplified and guaranteed acceptance life insurance. With simplified issue, the applicant needs to answer a few health questions, but these are not concerned with minor medical issues like controlled high blood pressure and probably not even Type 2 diabetes. By answering a few questions, you might qualify for cheaper rates and an immediate death benefit. Guaranteed acceptance life insurance asks absolutely no health questions, and every qualified applicant gets accepted. But the insured person must survive a waiting period, and this can last two or three years before full benefits get paid. Before this waiting period ends, the burial insurance plan in Oregon may pay some portion of the full benefit or offer to return premiums to the beneficiary.
We can help you find the right solution for people of all ages, and that includes many seniors over 80. Compare burial insurance plans and rates online with our handy quote system by entering your local ZIP code. If you prefer speaking with a licensed agent, give us a call at your earliest convenience. You are free to shop for yourself or your parents. We strive to provide you with the right solutions for your family.
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