Affordable Life Insurance Protection for Your Family
Do You Want to Purchase Funeral Insurance in Virginia?
If so, you’ve come to the right place. Today, it’s quicker and easier than ever before to get the insurance you need to cover the cost of your burial expenses in Virginia.
Virginia funeral expense insurance is the means by which a resident within one of the largest populated states in the U.S.A. can buy the insurance coverage their family needs in order to properly bury the insured person. Not only does this include the casket and burial plot, but such plans also account for the type of funeral you want.
Virginia final expense funeral plans are available at affordable rates for most adults residing in the state of Virginia. These burial and funeral expense policies are designed to help you pay for all your end of life expenses relating to your death, including any outstanding medical bills and credit card debts.
With a guaranteed-issue funeral policy you won’t have to undergo any health examination, or answer any questions about your health history.
Guaranteed Issue Virginia funeral expense insurance plans will provide you with adequate final expense coverage no matter what your medical history entails. And, you cannot be denied coverage even if you have been turned down by other insurance companies in the past.
As long as you meet the age requirements for acceptance, you are guaranteed approval for a funeral policy in Virginia.
What are Funeral and Burial Expenses?
They are costs related to your passing, such as, your funeral, burial, casket, flowers, embalming, headstone, transportation, memorial service, and other related costs.
How Much Does Life Insurance for Funeral Expenses Cost?
It can be affordable, or cost more for some people depending on how old you are when you buy your policy, and how much coverage you purchase. Request a free quote.
Do I Need to Take a Medical Exam?
No, generally you are not required to take a physical exam when you apply for life insurance to pay for final expenses. However, there may or may not be some health questions to answer.
Can I Buy Funeral Coverage for My Spouse, Too?
Yes, you may request your free quote and apply today for your final expense life insurance policies for you and your spouse.
What Insurance Company Offers Life Insurance for Funeral Coverage?
There are several insurance carriers that offer life insurance plans to help you provide for your final expense costs. Some of the leading insurers include Mutual of Omaha, Met Life, AIG, AAA Life and Colonial Penn, among others.
Mutual of Omaha is rated "A+" Superior for financial strength by AM Best Company. The financial rating of your life insurance company is important because you want them to be around when the time comes to pay out on your life insurance policy.
Mutual of Omaha offers people ages 45 to 85 up to $25,000 of simplified life insurance coverage with no health exam required and no health questions asked.
If you are between 45 to 85 you cannot be turned down due to health reasons.
And, you have a money-back guarantee. They provide a 30-day money-back guarantee if you are not satisfied with your policy.
You can apply for funeral expense coverage for you and your spouse if you are married.
You can choose coverage from $3,000 up to $25,000 which will provide your family with the money needed to pay for your funeral, burial and final expenses and anything else they need.
Funeral Expense and Burial Plans in Virginia
Virginia burial expense insurance is the means in which a resident within Virginia can purchase the appropriate amount of coverage their family needs in order to properly bury the policy holder.
The average cost of a burial and related expenses is around $8,755 according to a study conducted on behalf of the National Funeral Director’s Association.
Cremation options are also available with Virginia burial insurance policies.
Virginia burial policies that cover final expenses takes the coverage a step further by providing a death benefit that can cover all of the expenses you leave behind.
This can include your hospital and medical bills, as well as credit card debts and any outstanding loans you leave behind.
In some cases, you will also want to add enough coverage to care for your family in the event of your absence.
Some burial plans offer up to $25,000 of life insurance coverage, and you may be able to purchase a policy from more than one insurance company.
NOTE: Never falsify the information on your application for burial insurance coverage. In many cases, this is grounds for immediate termination from a Virginia burial expense insurance company.
Virginia Guaranteed Issue Funeral Plans
Some Virginia burial expense insurance plans are considered "Guaranteed Issue" plans. Such policies are designed to provide Virginia applicants with coverage, no matter what their health history entails.
In fact, many of the insurance companies that issue these types of plans do not even ask any medical questions. This can be beneficial if you are a regular smoker, if you have a medical history of chronic health ailments, or if you have been denied coverage by insurers in the past.
Before signing up for this kind of Virginia burial expense policy, it is important to know that the coverage is generally a lot higher than quotes you might see for expense plans that do not come with Guaranteed Approval. This is due to the fact that some of the underwriting processes are eliminated in relation to checking your medical and health history, and that many of the Virginia policyholders are at a higher risk of premature death than those people who are in good health.
At the same time, many people with health conditions choose guaranteed insurance burial plans because the premiums may be less expensive than plans from other Virginia providers that require a medical check-up.
If you’re looking for a Virginia final expense plan that comes with guaranteed approval, then it’s important that you look for final expense or burial insurance companies that specify this fact from the start.
If you are asked for medical questions, then it is unlikely that the plan you have selected is guaranteed issue.
Virginia Funeral Insurance Quotes
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.