Premium $12,000 Burial Insurance Quotes & Expert Advice

Written by Choice Mutual | Last updated: April 20, 2017

$12,000 Burial Insurance Quotes

To see instant final expense rates, just fill out the quote form on this page. If you deal with any serious medical issues, it’s best to speak with an agent. They will find out which companies will be most accepting of your health issues.

Getting $12,000 burial insurance quotes online can be maddening because most websites don’t actually show you real prices.

Well not us!

Not only are we going to show you actual quotes for $12,000 final expense policies, but we will give you some expert advice too.

You will find all that and more in this article. Somehow some way you found our website, and thank God you did ☺. With us, you get only the truth. We don’t do the whole bait and switch game most websites do.

Article Quick Guide

  1. Real $12,000 Burial Insurance Quotes
  2. How Burial Insurance Works
  3. Tips When Shopping For Final Expense Insurance
  4. Finding The Best Policy


Real $12,000 Burial Insurance Quotes

In this section you will see quotes from five different burial insurance companies.

Please keep in mind the following when you are viewing these quotes.

  • All prices are for people who have not smoked cigarettes within the last 12 months.
  • Prices are determined by your exact age. You will quickly notice that we don’t have every single age listed. Whatever your age is, there is a price listed below that will be within 5 dollars of your exact premium.
  • These are not the only companies we represent. In fact, we have over 15. It might turn out that the best plan for you is with another company we work with. Then again, it may just be with one of the five listed below. Your Choice Mutual agent figure it out for you.
$12,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
$12,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
50 $30.63$37.77
60$41.86 $53.59
65$50.73 $66.27
$12,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
$12,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
$12,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco


What Is Burial Insurance And How Does It Work?

It’s important you understand what burial insurance is and what it is not. We say that because there are insurance companies that prey upon people who aren’t aware of these things.


What Burial Insurance Is

First and foremost, burial insurance is life insurance. More specifically, is always a whole life insurance policy. Because they are whole life, the following is true.

  • They cannot expire at any age. It will always be there.
  • The monthly premium cannot increase for any reason.
  • The death benefit cannot decrease.

Once your policy is in place, it will pay out the death benefit tax free to your beneficiary(s). This gives them the money to pay for your final expenses. If there is any money left over, it stays with your family rather than with the funeral home.


Application Process$12,000 Burial Insurance Quotes

Final expense life insurance is always done on a simplified basis. That merely means they don’t require physicals or medical exams.

Basically, you just answer some standard questions about your health. In the background, the insurance company will check your prescription history. They do this as a way to validate your health status.

Most companies don’t require any paperwork. It’s very common for the entire application to be completed entirely over the phone via the comfort of your own home. You never need to allow a stranger in your house.

Generally a decision regarding your approval is rendered within 15 minutes of submitting your application.



By far the most unique aspect of final expense life insurance is the liberal underwriting. The insurance companies designed these plans to accept many serious health issues. Developing some health conditions is a natural part of aging.

Life insurance companies are well aware of this fact, so they designed the underwriting to absorb these risks. In the end, the relaxed underwriting allows seniors to obtain the peace of mind they are seeking in spite of some serious health conditions.

This is crazy

There are some rare circumstances where someone has a health condition that will make them ineligible for coverage. For example, if you currently have a terminal illness, dialysis, or cancer right now, these are all conditions where you would either be flat out declined, or they would charge you through the nose.

In these rare cases, there are actually plans that have no underwriting at all! They are called guaranteed issue plans. Basically, these plans have no health questions, and they don’t assess your health history in any way. You are guaranteed to be accepted as long as you meet the age requirements.

These plans allow anyone in any health to obtain coverage at an affordable rate. The prices are a bit higher, but not my much in many cases. Please remember that these no health $12,000 Burial Insurance Quotesquestions policies are only a last resort because they do come with a two year waiting period.

If you die during the waiting period, the insurance company will not pay a death benefit. They will merely refund all your payments plus interest.

Here’s the bottom line

Do not prejudge yourself in any way. Please do not assume you will not qualify. You would be amazed at what kinds of serious health issues we can cover. Tell your agent all your health conditions, and they will surely let you know which type of plan is best for you.


What Burial Insurance Is Not

A burial insurance plan is never a policy that expires at some point. You may or may not know this, but there are life insurance policies that expire. These are called term life insurance plans.

They will either expire after a certain number of years such as 1, 5, 10, or 20, or they might expire at a certain age such as at 80. In general, term life plans will usually only cover you until the age of 80.

Another thing to remember about these plans is that some of them have increasing monthly payments as you get older.


Be Careful

There are many companies that will attempt to market you “burial insurance”, but what they are really offering you is term life insurance. For example, every time you receive mail from AARP or Globe Life you are being solicited term life insurance. That’s what they sell.

They are banking on two things:

  1. That you do not know the difference between a term life and whole life policy.
  2. That you will be so attracted to the lower price of the term life plan that you will not think to ask why it’s so much cheaper.

Term life insurance is absolutely cheaper per month (for the same amount of coverage) compared to a whole life policy. The tradeoff is that your coverage will expire which leaves you uninsured.

Here’s the deal

If you want to take the risk of going with a policy that expires around the age of 80 so you can save some money each month, go for it. It’s a free country. Just know that the vast majority of folks do outlive term life policies.

Once your coverage is gone, you can’t opt to get a new one. Your only option at age 80 would be to take out a whole life burial insurance policy. At that age, the cost would be much higher. Not to mention, who knows what your health will be like at that point.


Tips When Shopping For Final Expense Insurance

No matter who you speak with, us included, there are certain questions you must ask about what you are being offered. This is important because there’s a lot of misleading and dishonest companies out there that won’t exactly be forward with you.

The vast majority of our clients prefer a whole life policy as means of final expense protection. Below are the questions you should ask everyone to ensure that your policy is indeed whole life.

  1. Can the policy expire at any point?
  2. Can the monthly premium increase?
  3. Can the death benefit decrease?

$12,000 Burial Insurance Quotes

Here’s the deal

The answer to all three of those questions must be No. If any of them aren’t no, you are being sold something other than a whole life final expense policy.

You should also ask: When does the policy pay out its full death benefit? Ask this because some companies will sell you a whole life policy that has a waiting period, and fail to tell you.


What To Do After You Have Applied With Someone

When you formally apply, the insurance company will come to a final decision regarding your eligibility. Usually, it’s nearly instant. Some companies may take a few days at the most. Either way, you will know very quickly if you have been approved.

If you are approved, the insurance company will mail you a policy. It’s at this point, where you have one final job to do.$12,000 Burial Insurance Quotes

When you get your policy, you need to open it up and verify that everything you have been told is in that policy.

Check the following:

  • The monthly premium is what you were quoted, and that it does not change (if it changes, you don’t have a whole life plan).
  • The death benefit matches what you were told.
  • The policy won’t expire at a certain age. You should see the words “whole life” somewhere in the first few pages of your policy.

If any of that does not match up, rest assured you have options. You can return it and get your money back if you have paid any premiums. Insurance law mandates you have this option.


Finding The Best Policy At The Best Price

There are dozens of final expense life insurance companies to choose from. The central question to ask is: Which one is best for you?

Truthfully, most of these companies you have never heard of. They don’t advertise on TV or in magazines, so you don’t know their names. They are still very trustworthy and reliable.

We tell you this because you can only get access to these companies by working with an agency such as Choice Mutual.

In the end, an independent agency like us represents multiple insurance companies. We have the freedom to choose any insurance company we want, so that we can match you with whichever one is best for your individual situation.

$12,000 Burial Insurance Quotes

It may turn out that Mutual of Omaha is best for you. Then again, it may be another company altogether. Everyone has a different situation. It’s our job to assess your unique situation to determine which burial insurance companies would offer you the best deal.

Working with an independent agency is critically important. Working with one that represents lots of insurance companies will all but ensure you get the best plan at the best price.

You don’t have to work with us (although we hope we can earn your business). However, if you go elsewhere, just make sure they are independent, and have lots of insurance companies to choose from.


Choice Mutual is an independent agency licensed in all 50 states including DC. We work with over 20 highly rated final expense life insurance companies, so that we can compare offers from all of them to find you the best deal.

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