Affordable Life Insurance Protection for Your Family

Burial Insurance for Smokers

How to Buy Burial Insurance for Smokers

Can Smokers Get Burial Insurance?

Yes. In fact, smokers may purchase up to $25,000 of guaranteed approval life insurance to cover the cost of their burial and final expenses.

Today, there are several insurers that offer burial expense life insurance plans to help provide you with the protection you need, to make sure your family has the necessary funds to cover the cost if your burial. Get a free burial insurance quote.


Did You Know the Average Cost of a Burial is Around $7,848?

That’s right. Some of the most common burial related expenses include the following:

  • Burial Plot
  • Headstone
  • Casket
  • Embalming
  • Transportation
  • Memorial Service
  • Memorial Cards
  • Flowers
  • Funeral


Smokers Burial Insurance


Whether you smoke or not, you can qualify to purchase a burial insurance plan.

There are Guaranteed-Issue burial life insurance policies available that offer lifetime protection, to make certain your loved ones have the money needed to pay for your burial and related expenses.

No one wants to leave their loved ones in financial difficulties trying to find a way to pay for their burial costs. And, making sure you have the insurance plan you need to pay for your burial will ease the pain of your family, at a time they are mourning your loss.


Burial Expense Insurance Explained


Burial Expense Plans provide the security and protection you and your loved ones need, when they need it most. You can help protect your loved ones from the financial burden of paying for your final expenses.

Burial Life Insurance (also known as funeral or final insurance) is a type of life insurance policy providing $2,500-$25,000 of protection, a simple application form and hassle-free underwriting.

Your burial policy death benefit is paid to your beneficiary of choice tax-free. You can choose the amount of coverage that is right for you.

Burial expenses insurance coverage can help you provide your loved ones with the money needed to help pay for your burial, funeral, headstone, memorial service, and any other final costs associated with your passing.

According to the 2021 funeral price survey by the National Funeral Directors Association, the average cost of an adult funeral is $7,848.00. This is based on the most commonly selected items for a traditional funeral including a casket and vault. 


What is Guaranteed Issue Burial Life Insurance?

It’s simple. It is a type of permanent life insurance coverage that guarantees your approval for coverage.

It just means you cannot be denied a guaranteed life policy if you meet the age requirements for approval. And, your insurance lasts your entire lifetime.

There's no health examination required, and you won't have to answer any questions about the status of your health, or your health history.

So, even if you have a pre-existing health issue, you can still get insured.


What are the Age Requirements for Approval?

It depends on the insurance company. Mutual of Omaha offers guaranteed approval for people ages 45 to 85


How Much Burial Insurance Coverage Can I Buy?

With Mutual of Omaha you may choose from $2,000 up to $25,000 of life insurance.


What Does It Cost for Burial Policy?

The cost of life insurance for someone over 80 will depend on your gender and the amount of insurance you need. However, rates for guaranteed life insurance start as low as $8.80 per month. Request your free Burial Insurance Quote.


Can I Buy a Burial Insurance Policy for My Spouse?

Yes. You may buy burial policy for yourself, you spouse, or both of you.


What If I Change My Mind?

With Mutual of Omaha there’s a 30-day money-back guarantee. So, if you decide you are not satisfied with your policy you can return it to the insurance company within 30 days of your purchase and receive a full refund of all premiums paid. There is absolutely no risk to you.


Can the Insurance Company Cancel My Coverage If My Health Changes?

No. The insurance company cannot cancel your life insurance if your health changes after you purchase your policy.

The only way they can cancel your insurance is if you stop paying your premiums, or you contact the insurer and request that they cancel your coverage.


Burial Insurance Quotes for Smokers


Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.


  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

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