Do you have questions about burial insurance in Utah? Burial policies help seniors and their families prepare financially for the cost of funerals and other expenses that crop up when a loved one passes away. Because they are a type of senior life insurance, they actually pay the beneficiaries in cash, so the beneficiary is not tied to any particular funeral home or type of funeral. Can we help you shop for a Utah burial insurance policy for your elderly parents or yourself? If so, begin at any time by entering your ZIP code in the form to get local insurance quotes. If you would rather speak with a licensed professional, give us a call. We are eager to answer your questions and help you enroll.
According to the National Funeral Directors Association, about 27 percent of people in Utah opt for a cremation, possibly to save money. However, even cremation packages can cost thousands of dollars, and that is not the type of funeral every family wants.
Premiums depend upon health, age, and the amount of coverage. Of course, different burial insurance companies have different rate charts. To give you an idea, consider a list of sample burial insurance rates for a 59-year-old Utah woman who smokes:
Note: These monthly burial insurance rates in Utah are only examples. They could vary because of your age, health, the insurance company you choose, and your location. It also doesn't matter if an older person purchases a policy for himself or adult kids offer to pay the premiums. But we suggest paying with an automatic debit from a bank account to prevent the policy from lapsing. Even if grown children offer to pay, the parents still have to participate in the process. They might be required to take a short telephone interview or sign an application.
You can find a burial insurance policy in Utah for almost everybody, but choosing the right plan might save money and get you better benefits. For example, you can buy guaranteed acceptance life insurance plans that accept any qualified person from about age 50 to over 80. However, these plans impose a waiting period, and the insured person must survive it in order to qualify for full benefits. If the insured person dies before this waiting period ends, the plan may only return premiums or pay some percentage of the face value. In some cases, it might be better to answer a few health questions and try to qualify for cheaper rates and immediate benefits.
We'll help you find the right funeral insurance for yourself or your parents. Use our online senior life insurance quotes 24/7. If you would prefer to speak with a live agent, give us a call. We offer both web quote tools and personal service, so all of our clients can find the right plan at the right price.
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