Keys To Finding Affordable Burial Insurance In California

Written on March 15, 2017 by Choice Mutual

Fill out the quick quote form and you will see real final expense prices from many different insurance companies in California.

Looking for low cost burial insurance in California?

Of course you are! Why else would you even be on this site?

The thing is, you need to work with a company that is equipped to help you find the lowest cost final expense policy possible. Who you work with is the single greatest factor that determines how good of a deal you get.

You are in luck because today we are going to give it all away. Not only are we going to show you how to find the best policy. We will also show you important data specific to California, and teach you what kind of agency you must look for to ensure you get the best deal on a burial policy.

Quick Article Guide

  1. Leading Causes Of Death
  2. Average Life Span In California
  3. The Free Look Period
  4. The Amazing Value Of Funeral Insurance
  5. A Bulletproof Plan To Find The Best Burial Policy
  6. Why Choosing Choice Mutual Will Save You Big Money

 

The Leading Causes Of Death In 2013

RankCause of DeathTotal Deaths
1Heart Disease60,299
2Cancer57,714
3Lower Respiratory Disease (COPD & Emphysema)13,598
4Accidents11,538
5Stroke13,698
6Alzheimer's Disease11,891
7Diabetes8,057
8Influenza6,551

When you read that list, please remember something. We work with lots of burial insurance companies. We have a company that will cover you no matter which health issue on that list you might deal with.

In fact, we can cover anyone!

Please never make the mistake of assuming you won’t be approved. The nature of final expense insurance is relaxed underwriting. The vast majority of people are easily approved in spite of serious health issues.

 

Average Life Span In California

California ranks among the highest in the nation for longest average life expectancy. Coming in at 4th, Californian’s live to be an average age of 80.8 years.

If you are close to 80 or even above it do not worry. You can be as old as 85 and still qualify for a new final expense policy. Obviously, the older you are the more it will cost, so you should put your plan in place as soon as possible if you currently do not have one.

Source: List of U.S. states by life expectancy

 

The Free Look Period

The free look period is basically a time for you to investigate and ensure everything matches up. In California the free look period begins 10 days after the policy has been delivered to you. At this point, the free look period will last for a total of 30 days.

Burial Insurance In California

During this time, you can return the policy for any reason, and the insurance company must return any premiums that have paid.

It’s important to remember that you can cancel any life insurance policy at any time regardless of how long you have had it. However, if you cancel after the free look period, you will not receive a refund of premiums paid.

Check out the California department of insurance website for more information.

 

The Amazing Value Of Funeral Insurance

Across the web there are all sorts of articles that mischaracterize burial insurance. Few people actually realize how truly unique it is, and why it’s so valuable.

A burial insurance policy is a smaller face value whole life policy that does not require a physical or medical exam to qualify.

These plans were designed specifically to cover a person’s end of life expenses.

  • The policy can’t expire at any age
  • The monthly payments can’t increase
  • The underwriting is unbelievably relaxed
  • The face value options are super low
  • The death benefits cannot decrease

All of these features combined result in immense value that cannot be found elsewhere.

Here’s the bottom line

Burial Insurance In California

The health of most senior citizens all but locks them out of most traditional life insurance policies. Not to mention, traditional life insurance policies typically make you buy at least $25,000 in coverage or more.

Only final expense life insurance gives you the option to buy as little or as much coverage as you like, and has the liberal underwriting that enables you to qualify for it.

 

Finding The Best Burial Insurance In California

You have a choice in front of you. You can say to yourself that you will call 20 insurance companies on your own to get quotes, and determine for yourself which one is cheapest.

But here’s the kicker

Insurance companies don’t sell their competitive products direct to consumer. Their low priced plans are only sold through agencies. When you call them, they will merely refer you to one of their agents who can in fact give you a single quote.

You will literally spend hours upon hours calling each carrier and waiting for an agent to call you back with quotes.

Or

You can utilize the free services of an independent agency like Choice Mutual that represents multiple insurance companies. They will compare quotes for you from all the various insurance companies they represent.

They will give you all the quotes within a few minutes so you can see for yourself which one is cheapest.

Honestly, which option sounds better to you?

Burial Insurance In California

Our clients love the fact that we do all the heavy lifting for them. It saves them time and money, and because we represent so many companies, they can feel confident they got a really competitive rate.

Even if you choose not to work with Choice Mutual, just work with any final expense agency that has free access to lots of burial insurance companies.

 

Why Choosing Choice Mutual Will Save You Big Money

Searching for burial insurance can be frustrating depending on who you speak with. The crappy part is the internet is riddle with super high priced companies, lead vendors, and spammy websites.

But have faith!

Somehow some way you found us, and we are different. We wholeheartedly believe that you cannot find a more qualified agency to help you find the best burial insurance policy on the market. Below are the three biggest reasons why we say that.

  1. Burial insurance is all we do. Our goal has always been to be masters of this product and nothing else. When you speak with us, you can feel totally confident that we know literally everything there is to know about this business.
  2. We are an independent agency, and we work with lots of burial insurance companies. The freedom to choose from all these insurance companies is the primary reason why we can always find you the best plan possible.
  3. YOU are our objective. We are no partial to any of the insurance companies that we represent. We are solely committed to helping you do what’s best for you and your family.
About ChoiceMutual.com
About ChoiceMutual.com

Choice Mutual works with all the top burial insurance companies throughout the nation to secure you the best price possible.

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