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Looking For $20,000 Burial Insurance Prices? Here’s Quotes From 10 Companies.

Written by Choice Mutual | Last updated: February 11, 2019

$20,000 Burial Insurance

Have you been searching the web for quotes on a $20,000 final expense policy?

Well your search is over.

In this article, you’ll find real $20,000 burial insurance rates from multiple highly rated providers.

More and more folks today are opting to buy a $15,000 whole life policy or $20,000 instead of $10,000 life insurance plan.

In addition to the quotes, we will share some tips to help you find the best policy, and give you an insider’s look at how your health plays a role in the application process.

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  1. $20,000 Final Expense Rates
  2. Simple Steps To Get The Best Policy
  3. How Your Health Is Factored In

 

$20,000 Burial Insurance Quotes From Multiple Companies

Just below you will see actual funeral plan insurance quotes from 10 different burial insurance companies.

That’s right 10!

$20,000 Burial Insurance

Here’s a few things to keep in mind when you gander at these prices…

  • All quotes are for exactly $20,000 in final expense coverage.
  • Prices are calculated at a non tobacco rating.
  • All prices are consistent with an applicant answering no to all the health questions with each of these companies.
  • These 10 companies are just some of the many carriers that we work with. We have many more to choose from.
  • Each of these companies determines cost of final expense insurance based on your exact age. You will quickly notice that not every single age is listed. Expect that your rate won’t be too far off from whatever age you see that is nearest to you.
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$46.14$55.11
55$53.60$66.98
60$62.53$82.31
65$78.82$108.31
70$103.28$144.20
75$141.62$195.85
80$193.66$262.11
85$268.60$363.10
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$48.95$60.85
55$59.17$70.58
60$67.67$87.22
65$82.44$108.34
70$103.69$142.66
75$147.00$202.23
80$219.01$290.33
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$61.81$73.21
55$69.21$85.81
60$70.41$93.01
65$82.61$109.61
70$103.61$140.01
75$149.61$208.01
80$208.01$290.61
85$281.01$402.81
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$50.69$60.65
55$64.74$77.43
60$73.89$91.47
65$91.47$116.85
70$118.12$154.94
75$160.82$213.39
80$224.72$309.01
85$329.41$439.99
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$54.70
$65.43
55$56.27
$71.64
60$68.17
$87.95
65$85.25
$112.59
70$114.66
$155.56
75$156.78
$223.76
80$193.00$292.32
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$47.10$57.90
55$54.70$68.30
60$63.70$83.90
65$79.70$109.50
70$104.30$145.70
75$142.10$196.50
80$204.50$276.90
85$293.70$397.30
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$46.51$56.39
55$56.17$68.95
60$64.71$86.97
65$80.99$107.26
70$104.95$141.99
75$147.78 $195.67
80$213.69$288.97
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$46.78$64.68
55$56.35$88.60
60$68.50$99.54
65$85.42$109.73
70$109.66$146.13
75$150.40$201.30
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$43.10$52.44
55$50.86$65.84
60$64.57$81.84
65$81.84$104.63
70$103.23$136.84
75$149.67$191.85
80$213.59$291.13
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$68.02
$87.27
55$87.63
$114.95
60$101.20
$126.87
65$124.30
$169.40
70$150.15
$197.45
75$215.42
$278.12
80$351.82
$493.72
$20,000 Burial Insurance
AgeFemale Non TobaccoMale Non Tobacco
50$73.93
$101.85
55$95.34
$125.17
60$110.15
$138.18
65$135.37
$184.61
70$163.60
$215.24
75$234.85
$303.31
80$383.77
$538.70
85$426.51
$692.70

 

Simple Steps You Can Take To Get The Best Rates

Now you’ve seen the prices, so you know approximately what companies charge for $20000 in funeral insurance protection.

But what will YOU qualify for and which company will give YOU the best deal?

That’s the key question to answer.

So let’s discuss just that.

In the end, you’ll get the best rate on a burial policy by applying with companies where you say no or as many health questions as possible.

How do you find those companies?

Here’s how…

Finding the best final expense policy is done by going through an independent agency that represents lots of insurance companies.

An agency like this will identify which carriers have underwriting where you would say no to as many health questions as possible (hopefully all of them). Then they would give you all their quotes, so you could see conclusively which one is cheapest for you.

$20,000 Burial Insurance

Here’s something cool too

Working with an independent agency such as Choice Mutual is completely free.

We all get paid by the insurance companies (we bring them customers), so we don’t have to change you. Furthermore, you don’t pay a higher premium on your insurance either.

Having an independent agency help you with this is a win-win scenario. They win and so do you. It’s really that simple.

 

Access To Amazing Companies That You Need

The other wonderful aspect about working with an independent broker is that you are tapping into burial insurance companies that you probably didn’t even know existed.

At first that may sound bad, but it’s really not.

Here’s the deal

There are literally dozens of very reputable and financially stable life insurance companies that simply don’t advertise.

These companies would rather offer their insurance at a lower rate or offer much more relaxed underwriting. The fact that they don’t spend millions to advertise allows them to do this.

Getting access to these companies is only possible through independent agencies. In most cases, they offer much lower rates and coverage that has no waiting period.

This is especially true for folks who deal with high risk health issues.

If your goal is to pay the least amount for your coverage, you need access to these companies via an independent agency such as Choice Mutual.

 

How Your Health Plays A Role

As you are no doubt aware, your health is a major factor in the qualification process.

There are two ways to go about this.

  1. Answer health questions on an application
  2. Apply for a policy that has no health questions.

Understand, there is a massive between those two options.

First, any policy with no health questions will not cover you during the first two years. In addition, it will almost certainly cost more.

To get a life policy that has no waiting period, you must apply with a company where you do answer some questions about health. You don’t need to take an exam, but you will need to complete a health questionnaire.

For immediate coverage plans, final expense companies will use the following three things to gather the data they need to determine your eligibility.

  1. Health questionnaire
  2. Prescription history check
  3. MIB check

Once they have all of this, they can tell you definitively if you qualify or not.

$20,000 Burial Insurance Quotes

Here’s the bottom line

If you have any health conditions where you would say yes to a health question, it will mean one of two things.

  • You will pay more
  • You will pay more, and have to endure a partial or full waiting period

Ideally you want to apply with a company where you say no to every health question. This would result in the best rate they have to offer.

However there are some health conditions where you won’t be able to say no to all the health questions with any company.

For example, if you have COPD, you will always pay a higher premium because there is no company that does not ask about it.

At the end of the day, your agent will figure this all out for you. There is no way for you to determine which companies would approve you, what they would charge, and which one would be best.

You’ll need to experienced independent agent to do that for you.

Choice Mutual can certainly help you out by the way 😎. Final expense is all we do, and we contract with over 15 companies to find you the best rate every time.

Whether you’re trying to get life insurance for a parent or yourself, call us at 1-800-644-2926 and one of our friendly agents will guide you through this.

About ChoiceMutual.com
About ChoiceMutual.com

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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