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Truly Affordable $16,000 Burial Insurance Quotes

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

$16,000 Burial Insurance Quotes

Anyone just interested in instant burial insurance quotes can fill out the quick quote tool on this page. You will see real prices from many highly rated insurance companies in your state.

What’s the secret to finding the lowest cost $16,000 burial insurance policy?

Comparing rates from multiple companies! That’s the key. Never just accept a single quote from just one or two companies. You need to get quotes from lots of carriers.

Ultimately, you just have to find which company will accept your health issues and give you the best rate.

In this article you will see real quotes for $16,000 final expense policies from multiple companies. Also, we will explain exactly what burial insurance is, how your health comes into play, and how acting sooner than later will save you big money.

Article Quick Guide

  1. $16,000 Final Expense Quotes
  2. What Is Burial Insurance?
  3. How Health Issues Impact Your Eligibility
  4. How Time Can Save You Money


Real $16,000 Final Expense Quotes

Shown below are actual prices for $16,000 burial policies from five insurance companies. Please keep some things in mind before you view these quotes.

  1. Prices are determined by your exact age. We didn’t list the price for every single age or this article would be way too long. With that, you will see a price for an age that is really close to whatever your current age is. Expect that the premium you would pay would be really close whatever age below is closest to you.
  2. The prices displayed are for non smokers. If you have smoked cigarettes within the last year, you will pay about 30-50% more on your monthly premiums.
  3. These are not the only five companies we represent. There are many more to choose from.
  4. Your health is a big part of the equation. There are some select health issues where a person will have to a pay a higher premium. Most of our clients are able to qualify for a plan where their health does not require them to pay more.
$16,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
$16,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
50 $39.79$49.31
$16,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
$16,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
$16,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco


What Is Burial Insurance?

You can search this question online, and you will find no shortage of results. However, the vast majority of the articles that go on answer this question are completely wrong.

So let’s set the record straight on what burial insurance is.

To be very clear burial insurance is life insurance. It’ just a specific type of life insurance.

It’s important to know that burial insurance will also commonly be referred to as “final expense insurance”  and “funeral insurance”. All three terms refer to the exact same thing.

Burial insurance is always a whole life policy. It’s never a term life policy that expires after a certain number of years.

Because they are whole life, they are incredibly easy to understand.

  • They can’t expire due to age
  • The monthly price cannot increase for any reason
  • The death benefit can’t decrease for any reason


Unique Features Not Found Elsewhere

Final expense life insurance is in a class of its own. The insurance companies designed these plans knowing who will buy them and why. For this reason, there are two huge attributes to final expense policies that you will not find with traditional life insurance.

  • Super duper relaxed underwriting
  • Small face amount options


Underwriting$16,000 Burial Insurance Quotes

It cannot be overstated just how relaxed the underwriting is. The vast majority of health issues are accepted. It’s just a matter of finding which company will do it.

There are very few health scenarios where a person cannot qualify for a burial insurance plan that comes with immediate coverage. In the rare case that your health prevents you from qualifying for a plan with immediate coverage, there are even plans that have no health questions at all.

With these plans everyone is accepted no matter what health issues they deal with. At the end of the day, final expense life insurance plans make it possible for every senior to secure the coverage they need to ensure their final expenses won’t become a burden on their family.


Low Face Amount Options

These funeral insurance companies will allow you to buy as little as $1,000 in coverage. Traditional life insurance plans require you to buy no less than $25,000-$50,000 in coverage. Only burial insurance enables you to buy just as much coverage as you need to pay for your funeral costs.


How Health Issues Factor Into The Process

Every burial insurance plan that has underwriting will have a series of health questions. In addition, the insurance company will analyze your prescription history.

Here is the key thing to understand about the health questions$16,000 Burial Insurance Quotes

Final expense life insurance companies only ask about the conditions they care about. That means if they do not ask about a condition, it means they are okay with it.

For example, you will never hear of a burial insurance company ask if you have high blood pressure.

Why is that?

That’s because no burial insurance company cares about high blood pressure. Thus, they don’t ask about it.

Oh and don’t forget

If you say yes to any health question on an application with any company it will mean one of the following:

  1. You will pay more money
  2. You will pay more money and have a reduced death benefit during the first two years


Getting The Best Rate

Your goal is to find a burial insurance company where you would say no to all their health questions. That would mean you would qualify for an immediate death benefit, and you would qualify for the lowest rate possible.

$16,000 Burial Insurance Quotes

Here’s the reality of the situation

The overwhelming majority of clients are able to secure a policy with a company whereby they say no to all the health questions. The only question is: Which company will it be with?

That’s where a broker like Choice Mutual comes into play. The immense value we provide is that we work with tons of different final expense life insurance companies. Once we know about your health, we can quickly determine which ones have applications where you would say no to all their health questions.


These Health Scenarios Are A Pickle$16,000 Burial Insurance Quotes

While it’s absolutely true that most seniors can easily secure a plan where they say no to all the health questions, there are some people who cannot. There are certain health conditions where it’s impossible to find a company where you would be able to say no to all their health questions.

If you deal with any of the below conditions, you will have to pay a higher premium and likely have to endure a reduced death benefit during the first two years.

Keep in mind

Most of these are time sensitive. Time is a huge factor, so please pay attention to that.

  • Cancer (except basal cell) within the last 24 months
  • Congestive heart failure
  • Stroke (not a mini stroke TIA attack) within the last 12 months
  • Dialysis
  • Organ transplants
  • Oxygen use (except for sleep apnea)
  • Heart attack within the last 12 months
  • Any heart or circulatory surgery within the last 12 months
  • Amputation from a disease
  • Wheelchair use due to a chronic illness or disease
  • Dementia or Alzheimer’s

Outside of that stuff, you will very likely qualify for a plan where you say no to all their health questions. About the only way that wouldn’t be the case would be if you had multiple high risk impairments. That could be a challenge but we can’t say without knowing the details. Your agent will figure it out for you.


Do It Now And Save Big

One of the things we hear a lot is people who feel they can do this months or years later because they probably won’t die during that time. While that is statistically very true, there is another huge factor that most people fail to consider.

See that list of health impairments above? Those kinds of health issues happen all the time, and they can happen at any time. If you develop any of those issues, you are going to pay at least 40% more for your coverage. Not to mention, you will also have to endure a waiting period of at least 2 years before your policy pays a death benefit.

Here’s the bottom line

If you know you want coverage, do it now. You simply cannot save money by waiting a month or a year. Lock in your coverage now when you know you will qualify for a plan that has the lowest rate possible and immediate coverage.

$16,000 Burial Insurance Quotes

Oh and don’t forget

If you don’t have coverage now, you are at risk of leaving your funeral bills to your family. Honestly, that should be the biggest reason you act now.

Ultimately, your burial insurance plan is cheapest now. It simply cannot get less expensive by waiting. Please don’t become one of the hundreds of stories we have heard of the years. Even if you don’t buy through us, buy now from someone.


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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