• Contact local funeral homes or look up regional price estimates to understand the typical cost of a burial or cremation service.
• Factor in additional expenses like flowers, a headstone, an obituary notice, or reception costs.

• Unpaid medical bills, credit card balances, and other debts may add to the overall end-oflife costs.
• Choose a coverage amount that covers both funeral arrangements and any outstanding financial responsibilities.

• Calculate how much you can comfortably spend each month on insurance premiums.
• Keep in mind that most burial insurance policies have fixed premiums, meaning the cost won’t go up as you age.

• Review current expenses like rent, mortgage, utilities, and subscriptions.
• Make sure the premium you select won’t compromise your overall financial stability.

• No medical exam, just a short health questionnaire.
• Approval is often quick, and premiums may be more affordable than guaranteed issue.
• Ideal if you have relatively minor health issues.

• No health questions asked; acceptance is guaranteed if you’re within the eligible age range.
• Often includes a waiting period (graded benefit) for the first 1–2 years.
• Higher premiums, but suitable for those with significant health concerns.

• Purchased directly from a funeral home.
• Locks in costs for specific funeral services, but less flexibility if you move or change funeral providers.

• Personal Details: Full legal name, address, and contact info.
• Date of Birth and Social Security Number: Insurers need this for records and verification.
• Health History: If applying for a simplified issue policy, be prepared to answer basic health questions.
• Banking Details: You’ll typically pay premiums via bank draft or credit card.

• Get quotes from multiple insurance companies.
• Specialized websites like AffordableBurialInsurance.com can help you compare options quickly.

• Coverage Amount: Make sure it aligns with your funeral cost estimates.
• Premiums and Payment Schedule: Monthly, quarterly, or annual premium options.
• Waiting Period: Especially important for guaranteed issue policies—understand how benefits are paid if you pass away during this timeframe.
• Exclusions: Read the fine print to see if any cause of death (e.g., suicide within the first two years) might invalidate the policy.

• You can name a family member or even the funeral home as the beneficiary.
• Most people choose a trusted relative or close friend to ensure the death benefit is handled properly.

• Let your beneficiary know about the policy details—policy number, insurer name, and how to file a claim.
• Provide instructions for how you’d like the funds to be used, whether for burial, cremation, or other final expenses.

• Provide accurate information about your identity, contact details, and health status.
• Make sure to double-check forms for accuracy—mistakes can delay approval.

• Your policy usually becomes active after you make the initial premium payment.
• Set up a convenient payment method (e.g., automatic bank draft) to avoid missing any due dates.

• Note any waiting periods or graded benefits if you chose a guaranteed issue plan.
• Mark your calendar with important policy milestones or renewal dates.

• Store a physical copy of your policy in a secure place.
• Inform a trusted family member or friend of its location.
• Consider making digital copies for backup in case of loss or damage.

• Marriage, divorce, a new child, or a significant health change might lead you to adjust your coverage amount or update beneficiary information.
• Funeral costs and personal preferences can change over time—stay informed about local pricing trends.

• If your budget changes or you need to explore other options, don’t hesitate to reach out for an updated quote or policy review.

• Discuss end-of-life wishes openly, including funeral service preferences.
• Make sure key family members understand the purpose of your burial insurance policy and how to file a claim.

• Include a reference to your burial insurance in your will or living trust.
• Keep details consistent across all legal and financial records to avoid confusion.

Purchasing burial insurance provides financial reassurance and helps your family avoid lastminute decisions about funeral costs. By following this checklist, you’ll be well on your way to choosing a policy that fits your budget, health status, and end-of-life wishes.

If you’re ready to compare quotes or learn more about your final expense insurance options, visit AffordableBurialInsurance.com. A little planning now can offer a lifetime of peace of mind—not just for you, but for everyone who cares about you.