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Here’s How Much A $12,000 Burial Insurance Policy Will Cost

Written by Choice Mutual | Last updated: February 15, 2019

$12,000 Burial Insurance

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 to ensure you find the best rates.

You will find all that and more in this article.

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


Here Are The Rates For $12K In Funeral Insurance

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
AgeFemale Non TobaccoMale Non Tobacco
$12,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50 $30.63$37.77
60$41.86 $53.59
65$50.73 $66.27
$12,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
$12,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
$12,000 Burial Insurance
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.

First and foremost, burial insurance is life insurance. More specifically, is always a whole life insurance policy.

$12,000 Burial Insurance

Because they are whole life plans, 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 benefits cannot decrease.

Once your policy is in place, it will pay out the death benefit tax free to your beneficiary(s). This gives your family 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

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 because that is a natural part of aging.

Life insurance companies are well aware of this fact, so they designed the underwriting  of these plans to absorb a high level of risk.

In the end, the ultra lax underwriting allows seniors to obtain the peace of mind they are seeking in spite of some serious ailments.

$12,000 Burial Insurance

This is crazy

There are some rare health situations where you cannot get a plan that has underwriting.

For example, a terminal illness, dialysis, or cancer right are all decline conditions.

For these rare cases, there are actually plans that have no underwriting at all!

They are called guaranteed issue plans. Basically, they have no health questions, and they don’t assess your health history in any way.

With guaranteed acceptance, you are guaranteed to be accepted as long as you meet the age requirements (and can legally agree to a contract).

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 questions 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 life insurance plan for burial 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 or they might expire at a certain age such as at 80.

In general, term life insurance plans will usually only cover you until the age of 80.

Another thing to remember about temporary policies is some of them have increasing monthly payments as you get older.

Final expense police will never increase in price or expire at any age.


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. $12,000 Burial Insurance

For example, every time you receive mail from AARP or Globe Life you are being solicited term life insurance.

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 trade off is that your coverage will expire which leaves you uninsured one day.

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 life insurance 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.

For example, some companies will use highly deceptive advertising that says “New state regulated burial plan” or something crazy like that.

Above all else, make sure you’re dealing with an up front and honest company.


The vast majority burial insurance customers prefer a whole life policy as means of final expense protection.

$12,000 Burial Insurance

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. Do the monthly premium increase?
  3. Can the death benefit decrease?

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

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

Which insurance company is best for you depends entirely upon your health. Remember, all these companies have different underwriting and pricing.

For example, funeral insurance from Mutual of Omaha might be your best option. Then again, they may not be. It just depends on if you would qualify with them or not.

Unfortunately, there is no way for you alone to determine which company is best for you given your health.

It’s important to note that plans that have no waiting period and cost the least are only sold via insurance agencies. You cannot be them directly from the insurance companies.

For that reason, to get the best rate on a final expense insurance plan, you will have to work with a qualified independent broker who can shop the market for you.

$12,000 Burial Insurance

It’s the job of your independent agent to assess your unique situation to determine which burial insurance companies would offer you the best deal.

Best part?

Working with an independent agency costs you nothing, and won’t mean you pay higher rates.

We cannot stress enough how critically important it is to work with a qualified independent agent. There are agents out there who are bound to only one or two companies.

Avoid those agencies like the plague. What if their company does not view your health favorably? You would be completely out of luck because they have no other options.

However, when you’re working with an independent final expense broker, they will always match you with whichever carrier views your health the best.

Obviously, we’d highly recommend you allow Choice Mutual to service you. Final expense is all we do and we have access to over 15 companies. You simply will not find a more qualified agency to assist you with your final expense needs.

However, if you go elsewhere, just make sure they are independent, and have lots (10 or more) of insurance companies to choose from. As long as you do that, you’ll probably get a good deal.


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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Patricia Jordon

Keep up the HONEST work, God will reward y’all for IT…

March 10, 2019 at 7:42 pm
    Choice Mutual

    Thanks Patricia. We shall do just that!

    March 11, 2019 at 6:35 am
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