If you have some health issues, its best to speak with an agent who will give you accurate quotes. To do so, call our toll free number at 1-800-644-2926. However, if you only deal with minor things, run some instant final expense quotes now by using the quote form on this page. You will see prices from many different insurance companies in your state.
Did you know that at age 61 a man named Momofuku Ando was the inventor of instant noodles, instant ramen, and cup of noodles? Honestly, who doesn’t love cup of noodles. It may not be the healthiest meal, but it is good. It just goes to show that even at 61, you are still the perfect age to make a lasting impression on this world. Aside from that, it’s time for you to put a plan in place that will surely take care of your funeral expenses whenever your time should come. Sure you can wait another decade, but then it will cost a lot more and your health might also greatly affect the cost. This article will show you some cheap sample burial insurance rates for 61 year olds, so you can see just how inexpensive it will be. These prices are not exact, but they are pretty close to what most people pay at age 61.
Low Cost Sample Burial Insurance Rates for 61 Year Olds
Here is a list of sample rates for a 61 year old. Please remember that these are not exact costs. They are merely estimates that are close to what most people do end up paying at your age. Certainly, age plays a huge role in the cost, but so does your health.
If you deal with some health issues, please call us at 1-800-644-2926. A Choice Mutual agent will be able to quickly diagnose all your health conditions and give you accurate final expense prices.
Non Tobacco User- Female
Non Tobacco User- Male
Tobacco User- Female
Tobacco User- Male
How to get affordable burial insurance
Quite honestly, you need employ the services of an independent burial insurance agency like us. Only then will you have someone that can compare rates from many different insurance companies to find you which one is cheapest. Furthermore, the underwriting is different with every burial insurance company. You need an expert (like us), who is ultra familiar with the underwriting from each company. At the end of the day, an independent agency like Choice Mutual will be able to quickly and accurately diagnose your health and compare prices from various final expense companies that will accept all your health issues.
Tips to get lower prices on your final expense insurance
First and foremost, make sure you buy from an independent agency. If you don’t do this important step, you have very little chance of getting the best deal. Aside from that, only buy what you need. A lot of people try to buy a level of coverage that is more than what is needed to cover their funeral expenses. If you are on a tight budged and your income is fixed, just buy what you need.
Another thing you do to lower your rates is quit smoking. Every final expense company will ask about tobacco use within the last 12 months. If you quit or have quit smoking, talk with your agent after it’s been 12 months. They can most likely get you qualified at non smoker rates since it has been 12 months. If you look at the sample prices above, you can see just how much of a price difference there is between non tobacco use and tobacco use.
Its important to take immediate action on this. You can see that burial insurance rates won’t go up too much when you are 62. However, your health is subject to change at any time which can greatly increase burial insurance prices. With that, one of the best things you can do to get low prices on your burial insurance is to apply right away while you know you can qualify. Waiting can only make it cost more.
Lastly, make sure you review your policy with your agent every single year. Preferably, do this at least two months before your birthday. Depending on your situation, he may identify opportunities to save money. The cost of burial insurance is largely determined by your age which is why these reviews need to be done at least two months before your next birthday. At Choice Mutual, we do this for our clients. We regularly find people need to update beneficiaries, addresses, add or reduce coverage, or change policies altogether to save money. Even if you don’t buy through us, make sure you do this every year with whoever your agent is.
one final tip
Whenever you actually take out your burial insurance policy, notify your beneficiaries. You need to do this, so they know what company to call in the event of your passing. Every insurance company will need to send them the claim forms to fill out in order to get the claim processed. In addition, you should keep all your end of life documents together in one safe place. Keep all your life insurance policies, funeral plans, wills, trusts, or anything else related to passing away all together in one place. When that day comes, you want to ensure your family can easily and reliably find all the documents needed to get everything arranged according to your wishes.
Experience the Choice Mutual Difference
Choice Mutual is the most trusted burial insurance resource on the web. Nowhere else will you find a more experienced and qualified agency to guide you on your search for final expense insurance. We are not a jack of all trades. For the last five years, we have focused only on burial insurance. We always have and always will be experts in this business. Finally, you might be wondering what sets us apart from the other companies. All in all, there are 3 key elements that make Choice Mutual uniquely qualified to serve your burial insurance needs.
- We are an independent agency. This independence is why we can freely represent all the top final expense companies in the nation. In the end, we shop all the companies for you, so you get the best deal possible on your burial insurance.
- We have a P.H.D. in burial insurance underwriting due to our vast experience exclusively in this business. This intimate familiarity of burial insurance underwriting enables us to know with virtual certainly which company will provide you with the best burial insurance plan based on your individual risk.
- We are truly committed to helping you secure the best burial insurance plan possible. We do not care which insurance company happens to be your best option. All we care about is doing what’s best for you and your family.
If you need help with burial insurance, we would love to earn your business. You can call us at 1-800-644-2926. If you prefer that we call you, just fill out the quote form on this page. A licensed agent will be in touch shortly.