Are you looking for a $15000 life insurance policy?

Honestly, lots of folks are buying coverage in this amount these days in light of how funeral expenses keep rising.

In this article, you will see actual $15,000 life insurance quotes from 7 different highly rated insurance companies.

Then we will give you a complete guide to finding the best final expense life insurance policy. Lastly, we’ll explain to you how working with Choice Mutual can save you big money on your policy.

No matter what, you will walk away from this article with the knowledge needed to ensure you get the best policy for yourself and your family.

$15000 Life Insurance Policy Quotes

In this section you will find a list of quotes from seven different funeral insurance companies. These are real prices taken directly from the carrier.

Before you view these quotes, there are few things to keep in mind.

  1. All rates are for people who have no smoked cigarettes within the last 12 months. If you have smoked, you will have to pay higher premiums.
  2. All quotes shown are for $15,000 in coverage.
  3. Your health plays a rather large role in the pricing of burial insurance. It’s critically important that you disclose all your health issues with your agent, so they can determine which companies will accept you.
  4. We have many more companies other than these seven listed. We say that because it may turn out that your best policy might be with one of these companies. Then again, it may not be. Your health will be the deciding factor that dictates which burial insurance companies are best for you.
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15000 life insurance policyGerber Life only sells guaranteed issue life insurance. This is a policy that has no health questions or medical history checks. While that may sound good, it comes with a cost. There is a two year waiting period before the policy will pay out any benefits. In addition, the cost per month is higher as you can see. The vast majority of clients should not go with a policy like this. There are some select health situations where a guaranteed acceptance policy is necessary, but it’s rare. Your Choice Mutual agent will absolutely figure this out for you.

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15000 life insurance policyJust like Gerber, AIG also only sells guaranteed issue burial insurance. It’s great to have when necessary, but it’s very infrequent that our clients are best served by a policy like this.

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Ultimate Guide To Finding The Best Life Insurance For Funeral & Burial Expenses

First things first. Abandon what you’ve read from other final expense life insurance websites. Most of them give completely misleading and self serving information.

Finding the best final expense policy is actually rather simple. You will learn what to look for, why our formula works so well, and how to do it.


What Makes A Policy “The Best”?

This is important because you can’t really hit a target that you can’t see. Many websites will advise you to look for companies that are well known or have strong financials. While those are good to have, they alone are not enough.

So here’s the anatomy of the best funeral insurance policy.


  1. It’s cheaper than what other companies will offer
  2. The policy is underwritten by a financially secure insurance company
  3. The policy covers you as much as possible as soon as possible

that is what you are looking for. Don’t accept an overpriced policy from AARP just because they spend millions on advertising to ensure you know their name.

A $5,000 life policy from AARP (or any other well known company) pays out the same amount as a $5,000 policy from other companies. The only difference is the price. So why spend more when you don’t have to?

Oh and in case you are wondering, almost every life insurance company today is financially stable. Life insurance is so heavily regulated that it’s very difficult for them to get in hot water financially. It’s important to double check to be sure. You will have to look long and hard to find one that does not have good financials.


Getting Access To Companies That May Have Your Best Plan

Earlier in this article we showed you prices from seven different final expense companies. Of those, how many of them have you not heard of?

If we had to guess, you have probably heard of Mutual of Omaha, Gerber Life, AIG, and Transamerica. But what about Foresters Financial, Royal Neighbors of America, or Sentinel Security Life. Have you ever heard of them?

So here’s the deal

There are dozens of final expense life insurance companies that offer amazing plans. The only catch is, you have never heard of them just like you haven’t heard of Foresters Financial, Royal Neighbors of America, or Sentinel Security Life.

The difference really comes down to advertising. Some insurance companies spend millions on advertising to ensure you know their name. At the same time, there are way more companies that don’t advertise which means you don’t know their names.

These “hidden” companies are not less credible or untrustworthy. They just have a different business model.

Here’s the kicker

These unknown companies are usually much more price competitive, and they typically offer much better underwriting.

You want access to these companies to see if they can offer you a plan that meets the above criteria for the best burial insurance.

And you know what?

Chances are, your best policy is indeed with one of these companies that you have never once heard of.

So here’s the obvious question: How do you get access to these kinds of companies so you put yourself in the best position possible to find your best burial policy?

The next section discusses just that.


A Bullet Proof Plan To Secure The Best Final Expense Policy

Now you know exactly what you are on the hunt for. Furthermore, you also know that you need to explore insurance companies that aren’t necessarily house hold names.

Here’s the formula

To find the best burial insurance policy you must work with an independent final expense agency that has unrestricted access to lots of burial insurance companies. They will shop around and figure out which insurance companies will offer you the best deal.

An independent agency isn’t tied to one or two insurance companies. They represent lots of them specifically so they can recommend which one is best for your individual situation.

Oh and don’t forget

Only through an independent final expense agency will you have access to those final expense companies that don’t advertise on a mass scale.


Here’s a few important things to look for in an agency before you allow them to help you with this:

  1. They must represent at least 10 different burial insurance companies
  2. They must focus on final expense insurance
  3. They need to have at least one year of experience doing just this business

Ultimately, an agency like this will do all the work for you. They will compare prices to determine which insurance company will be best for you.

The only work you must do is finding the agency who will assist you. We’d like to think that everyone would contact us to have them help them with their burial insurance needs.

If you should go elsewhere, just make sure you find an agency that has all the elements we suggested.


How Choice Mutual Can Get You The Best Deal

You have the quotes and you have a formula to find the best policy. Even if you close your web browser now, you have the tools needed to ensure you find a really good final expense policy.

But don’t go yet!

If you truly are searching for the best final expense life insurance, we can absolutely help you and ensure you get a rock bottom rate. Below are the three main reason why working with us will save money and help you get the best burial plan.

  1. We work with lots of companies because we are independent. With over 15 companies to choose from, we survey the market to find you the best offer.
  2. Experience is not in short supply. We have been doing this for years, and have helped literally thousands of clients. This ample experience we know the underwriting ins and outs. When we apply with a company, we know it’s going to be approved. We don’t guess.
  3. Our only objective is you. We serve no other master. We aim to ensure that no other agent or agency will be able to come in after us and get you a better deal.


Over 90% of our clients are approved for a plan that covers them in full immediately. This is only possible because of our business model.

You have lots of companies to choose from who will sell you a policy. Many of them are designed to serve themselves. That is not how it works with us.

If you enjoy hassle-free no pressure help, give us a call. It doesn’t matter how much coverage you want. Maybe you want a whole life insurance policy worth $50,000 or just one for $15,000.

We will go to work to find you the lowest cost policy for however much coverage you desire.