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Want To Know What It Costs For $18,000 In Burial Insurance? Here’s Your Answer.

Written by Choice Mutual | Last updated: February 13, 2019

$18,000 Burial Insurance

Your search for rates on an $18,000 final expense policy is over!

In this article, you will see real prices from multiple insurance companies.

We’ll also let you in some insider advice to help you get no waiting period coverage and secure the best rates.

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  1. $18,000 Funeral Expense Quotes
  2. Getting Immediate Coverage Vs A Waiting Period
  3. Tips To Get The Best Rates


Here’s Actual $18,000 Burial Insurance Rates

We have compiled some funeral insurance quotes online from five different insurance companies. There’s a few things to remember when you look at these rates for final life expense insurance.

  • All prices are for people who would say no to the health questions with each of these companies.
  • Burial insurance rates are determined by your exact age. Clearly not every single as is shown. However you can see prices for an age that is relatively close to however old you are right now. Expect that your rate wouldn’t be too far off from whatever age shown is closest to you.
  • We work with over 15 companies. These five were just selected at random.
$18,000 Burial Insurance
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Immediate Coverage Vs A Waiting Period

If you have spent any time researching final expense insurance, you have no doubt learned what we are about to tell you.

Some companies offer coverage that has no waiting period, and some make you wait 2 years before your policy will pay any benefits.

We get asked all time about this. People want to know why sometimes there is a waiting period and why other times there isn’t.

So here’s the deal

There are indeed some situations (health related) where a person cannot avoid a waiting period of some type. However, situations that warrant a waiting period are rare. The truth is most people can and do qualify for a burial policy that has no waiting period of any kind.

At the end of the day, there just aren’t that many situations where a waiting period cannot be avoided. Below are the majority of those reasons.


1) No Health Question Policies$18,000 Burial Insurance

If you take out a policy that has no health questions, it will have a two year waiting period. It does not matter which company you go through.

You will not find any insurer that offers a no health question policy that protects you at all during the first two years.

These are commonly referred to as guaranteed issue or guaranteed acceptance life insurance.

Basically the insurer just blind issues the policy as long as you meet the age requirements and are of sound mind to enter into a legal contract. There is no medical underwriting of any kind.

Here’s some common companies that offer this kind of coverage:

  • AARP
  • Colonial Penn
  • Gerber Life
  • AIG
  • Mass Mutual
  • Mutual Of Omaha
  • Physicians Mutual
  • AAA Life Insurance (The Auto Insurance Company)

Here’s the bottom line regarding no health question policies

The vast majority of applicants should not be buying a guaranteed issue policy. Most applicants can easily qualify with for immediate coverage with some company. The only question is, which one will do it?


2) Certain Health Issues

Some health conditions are so high risk that no insurer will offer immediate coverage. If you deal with any of the following, you cannot avoid a waiting period.

There may be some other health situations outside of this list, but this pretty much covers most of them.

$18,000 Burial Insurance

If none of the following conditions apply to you, there is very likely a company out there that has immediate coverage for you.

  • Cancer Within The Last 24 Months (Basal Cell Is Ok)
  • Full Blown Stroke Within The Last 12 Months (A Mini Stroke/ TIA Attack Does Not Count)
  • Heart Attack Within The Last 12 Months
  • A Heart Or Circulatory Surgery Within The Last 12 Months
  • Angina (Chest Pains) Within The Last 12 Months
  • Dialysis
  • HIV Or Aids
  • Organ Or Tissue Transplant
  • Congestive Heart Failure
  • Oxygen Use (Except For Sleep Apnea)
  • Currently In A Nursing Home
  • Wheelchair Usage Because Of Chronic Illness Or Disease

If you deal with any of the above conditions, a guaranteed issue policy is either your only option or your best one.


Tips To Get The Best Rates

When shopping for a funeral life insurance plan there’s some tried and true principals that will ensure you get the best rates on your policy.

But first

It’s important to know exactly what you are looking for. Rates are very important no question about it.

However they are just one piece of the puzzle.

Here’s what you want to look for

  • Coverage to be provided by a financially stable life insurance company.
  • A policy that protects you as much as possible as soon as possible.
  • You want your monthly premium to be as low as possible.

Now it’s just a matter of finding that.

So here’s how you do it…

You need to enlist the help of an experienced final expense agency that has universal access to lots of burial insurance companies. An agency like this will be able to compare quotes from dozens of companies for you to see which insurance company offers you the best deal.

Here’s the thing about working with an agency

To get your plan in place you will at some point have to speak with an agent. So why not speak to one from an agency that can connect you with multiple insurance companies?

$18,000 Burial Insurance

Obviously, we would love to earn your business. We can’t speak for other agencies. With us, you get no pressure service. All we do is ask you about your health and your goals. Then we present you with the quotes from over 15 companies, and let you make up your own mind.

Hopefully the $18,000 burial insurance quotes above gave you a good idea about what the cost would be.

If you want one of our friendly agents to help you find which company would give you the best deal on however much coverage you are looking for, give us a call at 1-800-644-2926.

Whether you want insurance to cover cremation or a traditional burial, we can help!


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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