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Real $19,000 Burial Insurance Quotes From Multiple “A” Rated Companies

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

$19,000 Burial Insurance Quotes

Quick tip: You can view instant burial insurance quotes by filling out the quote tool that’s on this page. If you deal with any serious health issues, it’s best to call us for a quick risk analysis. We’ll tell you which companies would be most accepting of your health issues.

If you have had any difficulty finding quotes for $19,000 in burial insurance coverage, you can now take a sigh of relief. While most website say they give instant quotes, few actually do. But not with us.

Today, we will show you quotes from a variety of insurance companies for $19,000 in final expense coverage. Additionally, we’ll help you understand the cost of a funeral, the various factors that determine the price of burial insurance, and ways show you all the ways to purchase a policy.

Article Quick Guide

  1. $19,000 Funeral Insurance Quotes
  2. Understanding Funeral Costs
  3. Factors That Determine The Price Of Burial Insurance
  4. Ways To Purchase Burial Insurance


Multiple $19,000 Burial Insurance Quotes

Here we have quotes from five different insurance companies. These prices are directly from the insurance companies. They aren’t made up.

We need to inform you a few things about these prices as you view them.

First, all these quotes are at a non tobacco rating. Second, all rates are for applicants who would say no to all the health questions with each of these companies.

Third, burial insurance rates are determined by a person’s exact age. Last but not least, these are just five of the companies that we represent. We have over 15 that we work with. It may turn out that the best policy for you might be with one of these companies. Then again, it may turn out that it would be with another one altogether.

$19,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
$19,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
60$61.71 $82.85
$19,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
$19,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco
$19,000 Burial Insurance Quotes
AgeFemale Non TobaccoMale Non Tobacco


Understanding Funeral Costs

Part of planning for end of life expenses is knowing how much your services will cost. The cost between a traditional burial and a cremation will vary greatly.

The thing you must figure out is whether or not you want a traditional burial or a cremation service. Once you have that, you can begin to estimate about how much your final expenses will be.

  • The average burial service will cost somewhere between $7,000-$10,000.
  • The average cremation service will cost roughly $2,000-$5,000.

Your exact preferences will ultimately determine the net cost. Those averages above are nationwide. In fact, the National Funeral Directors Association reported that in 2012 the average burial service cost $8,343. This number was up from 2009’s cost which came in at $7,755.

$19,000 Burial Insurance Quotes


Choosing Your Death Benefit When You Buy A Final Expense Policy

Obviously, you want to try to get enough coverage to ensure your end of life costs won’t burden your loved ones. After all, that’s the whole point behind final expense life insurance.$19,000 Burial Insurance Quotes

Here’s the most important thing

Regardless of how much coverage you want or need, there is one overriding rule you must follow when you choose your coverage amount

Whatever your benefit amount is on your policy, the monthly payments must comfortably fit in your budget.

If you can’t make your monthly payments, you have no coverage. This is how all insurance works. The day you miss your car insurance payment, your coverage ends. It’s no different with burial life insurance.

Considering the following when figuring your budget:

  • Do your utility bills rise in the summer/winter?
  • How would an unexpected bill affect your ability to make your insurance payment?
  • What if your other bills like medications rise?

As long as you feel totally comfortable with the monthly payment, buy whatever amount of coverage your heart desires 🙂


Factors That Determine The Price Of Burial Insurance

$19,000 Burial Insurance Quotes

Final expense life insurance companies calculate the price of coverage utilizing the following factors:

  1. Your exact age
  2. Your gender
  3. How much coverage you select
  4. Tobacco usage
  5. Your health

All of this combined will ultimately determine exactly how much each company charges you for their coverage.

Here’s what you need to know about your health

Most applicants can and do qualify for a burial plan with some company whereby their health does not cause them to pay more money.

However, there are some very serious health issues (HIV, Alzheimer’s, current cancer, etc) where a person will have to pay a higher premium. Fortunately, these situations are extremely rare. The fact remains that most seniors secure a policy that has the lowest rate possible.

In the end, you need to speak with an agent about all your health history. This will enable them to conclusively determine what you qualify for, and which companies will offer you the best rates.


Ways To Purchase Burial Insurance

Getting burial insurance is rather simple actually given the nature of the product. Because it’s simplified issue, there are no medical or physical exams as part of the application.

With that, you have a few different options in regards to how you purchase a policy.


Through the mail

Ever see those offers that come through the mail? Lots of life insurance companies mail these to anyone who is over the age of 50.$19,000 Burial Insurance Quotes

Here’s what they are selling you

Any offer through the mail where you never need to speak with anyone is for guaranteed issue life insurance.

These policies have no health questions and no medical background checks. They issue the policy to anyone who meets the age requirements.

So what’s the catch?

The catch with these guaranteed issue policies is:

  • They cost a lot more compared to policies that do have health questions
  • They always have a two year waiting period before the policy will pay any benefits

The fact of the matter is most applicants can easily qualify for a plan with underwriting. The only question is, which companies will take you? It’s for this reason that most folks should not be purchasing guaranteed issue life insurance.

But hey if you enjoy overpaying by a lot and not being covered for two years, go ahead and buy one of them.


Buy Online$19,000 Burial Insurance Quotes

In all honestly, there is little difference between buying online versus buying through the mail. At the end of the day, with no agent interaction, you can only buy guaranteed issue life insurance.

Companies like Mutual of Omaha for example allow you to purchase their guaranteed issue life insurance directly from their website. At no point do you have to speak with anyone.

Remember this

You cannot get coverage that has health questions without speaking to a licensed agent at some point.


Have An Agent Come To Your Home

It’s quite common for life insurance agents to go to people’s home to sign them up for coverage. The truth is, most final expense life insurance is sold this way.

Have you ever got a postcard that looks like this?

$19,000 Burial Insurance Quotes

When you send those cards back an agent will show up to your home to sell you some burial insurance. Some people like having a person come to their house, and some people don’t.

Here’s the deal

Having an agent come into your personal space is infinitely better than buying through the mail or online.

If an agent comes to your house, they will be able to offer you coverage from companies whereby there is underwriting. This will mean you answer health questions to qualify for the coverage.

The net effect is a much lower monthly premium and instant coverage (if you qualify which most do). This is way better than taking out a guaranteed issue policy.


Deal With An Agency That Operates Over The Phone And Email

In this scenario, you don’t have allow any agent into your home. Agencies like Choice Mutual operate entirely over the phone across multiple states.

With companies like us, you can get the professional assistance of a licensed agent who can help you secure plans that have underwriting.

This means instant coverage and much lower premiums.

Virtually all final expense life insurance companies have application processes now where it can be done completely over the phone or email. This means they don’t require paperwork to be involved.

At the end of the day, if you want low cost coverage that begins immediately, you have to deal with an agent. The only question is, do you want to have an agent come into your home, or do you want to speak to one over the phone?

$19,000 Burial Insurance Quotes

Here’s the absolute bottom line you need to know

You can’t get coverage that has health questions unless you deal with an agent. By law, agents have to read you all the health questions. This cannot be bypassed. If you are so bent on not speaking with an agent at any point, guaranteed issue life insurance is your only option.


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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