Quick tip: If you need burial insurance in Georgia, fill out the quote form on this page, and you will see real prices from multiple insurance companies in your state.
Shopping for burial insurance in the Peach State doesn’t have to be complicated. In fact, you will soon learn how easy it is.
Georgia is one of the most competitive states in the entire U.S. for final expense life insurance.
What’s the bottom line here?
With so many insurance companies to choose from you win! All these burial insurance companies competing for your business means you stand a really good chance at finding a low cost burial policy that covers you in full immediately.
You just need to know how to find the right policy for you. Well today we are going to show you exactly how to do that.
In this article, we will give you some important information about Georgia, teach you how to always find the best burial plan, and show you why Choice Mutual can help you in a way that no other company can.
Quick Article Guide
- Causes Of Death In Georgia
- Georgia Life Expectancy
- Free Look Period
- How Burial Insurance Stands Apart
- How To Find The Best Policy
- Why Choose Choice Mutual
|Rank||Cause of Death||Total Deaths|
|3||Lower Respiratory Disease (COPD & Emphysema)||4,172|
Here’s the key thing to remember when you look at that list.
We have multiple companies that will willing accept someone with these health issues. No matter what health conditions you deal with, we always have options for you. There is no medical condition that we can’t insure.
Oh and check this out.
At no point will you ever have to take a physical or medical exam when you apply. You will only answer some questions about your health. In most cases, we can have you officially approved in less than 20 minutes.
The average life span for someone living in Georgia is 77.2 years. Here’s the thing about life expectancy. Don’t let the number scare you if you happen to be close to 77. In the end, nobody knows what God has planned for us.
Here’s the deal
If you have no burial insurance currently, you need to jump on this as soon as possible. As you get older the cost will rise. In addition, you are more likely to develop health issues that could cause your premiums to increase.
Most importantly, without coverage you are at risk of leaving your family with the burden of unpaid funeral expenses.
Unfortunately, Georgia has one of the shortest free look periods of all U.S. states. You have 10 days from the day you purchased your insurance. During this time, you can return your policy and receive a full return of any premiums paid.
You do not have to give a reason why you want to cancel. By law the insurer has to process the cancellation and give you your money back.
This is important
No insurance company can lock you into a life insurance contract for any period of time. This means you can cancel your policy at any time you choose. The free look period simply entitles you to a refund should you cancel within the specified time frame.
If you ever cancel a policy outside of the free look period, you just won’t get any premiums back that you have paid. For more information on this topic, visit the Georgia Department of Insurance.
A lot of articles online will tell you simply to look for insurance companies that have been in business a really long time and have high ratings. This is how they say you can find the best burial plan. While this advice is good, it doesn’t give you the complete story. To settle this matter, we will give you a clear cut formula regarding what constitutes the best burial insurance.
The best burial insurance is a plan that is provided by a financially stable company with strong ratings. In addition, it costs less than competitor plans, and it covers you as much as possible as soon as possible.
See the difference in that definition?
Now that you know what you are looking for, let’s talk about how you find it.
In essence, finding the best final expense life insurance is a lot like hiring a lawyer to help you with a legal matter. What you need is a qualified professional who can help you find what you are looking for.
To truly get the best deal on your burial policy, you need to enlist the services of an independent agency that represents lots of different burial insurance companies. They will shop the market and compare rates from multiple providers. In the end, they will help you isolate which burial insurance company comes in with the cheapest rate for your individual situation.
Why An Agency Is So Helpful
First, going through an agency like Choice Mutual is completely free. Furthermore, your insurance won’t be more expensive just because you bought through an agency. Whether you buy your insurance directly from the insurance company (which most carriers do not allow), or you buy through an agency, the monthly price will be the same. Insurance law mandates that pricing is the same regardless of who you buy from.
Here’s the deal
Only an agency gives you access to multiple funeral insurance companies that you simply don’t know exist. There are literally dozens of burial insurance companies out there that offer wonderful plans at very competitive prices. The thing is; you don’t know their names.
These companies don’t advertise on a mass scale which is why you don’t know their names. Make no mistake, these companies are very trustworthy, and very financially stable. They just don’t spend billions to make their names a household commodity.
There is 95% chance that YOUR best final expense life insurance plan exists with one of these companies that you aren’t familiar with. Because they don’t spend all that money on advertising, they can afford to charge less for their insurance. In addition, they can build their underwriting to accept some serious health issues that the big well known companies cannot.
At the end of the day, if you like shopping around, buying through an independent agency does just that. They shop the market for you, and they give you access to tons of burial insurance companies that you would have never heard of had you tried to do this on your own.
Other than the instant peace of mind that comes along with a burial policy, there are many features to these plans that are truly unique.
The insurance companies created these plans particularly to pay for a person’s end of life costs. It’s for this reason that they designed their features in a such as way that you won’t find in other life policies.
- Chief among them is the incredibly liberal underwriting. This cannot be over stated. These plans are build to absorb the risk of some major medical issues.
- The payments are fixed for life which is perfect for those on a fixed income.
- The policy will never expire due to age. There are plans (like with AARP or Globe Life) that do expire at a certain age. These do not.
- The death benefit is guaranteed to never decrease.
- The death benefit options go incredibly low. You can elect to buy as little as $1,000 in coverage.
If you are shopping for burial insurance in Georgia, we would love the opportunity to earn your business. We realize that you have lots of options, but we fully believe that you cannot find a more qualified agency to help you with this.
Below are the three main reasons why you should allow us to be your burial insurance advisor.
- Our sole objective is to find you the best plan at the best price. We have no hidden agenda here. All we care about is getting you the best deal, so you can feel confident that you didn’t overpay.
- We are independent. This means we are not limited to just one insurance company. In fact, we represent lots of companies. We do this because having lots of choices is key to finding you the best deal. Every burial insurance company has different underwriting. The key to getting you the best deal is by finding which final expense companies look at your health the best. Ultimately, we compare quotes from multiple companies in Georgia to see which one is the lowest.
- This is all we do. We specialize in final expense life insurance. We do not sell any other type of insurance. When you speak with us, you can feel comfortable knowing that you are dealing with experts that live breathe and eat this business.