Burial Insurance in Mississippi Final Expense in 2024

For the Magnolia State finding burial insurance in Mississippi can be done in minutes. There are plenty of companies in your state that offer excellent coverage in this guide we will go over how to obtain them and much more!

Burial insurance in Mississippi(burial, cremation insurance etc.) is a simplified issue whole life insurance plan & guaranteed issue life insurance it goes by several marketing names such as final expense life insurance, final expense insurance, and funeral insurance.

It is Whole Life insurance designed for end-of-life expenses meaning burial expense’s extra debts or bills left behind for your family to take care of.

At the time of your passing, your family is going to have to come up with the money to pay the funeral home. These expenses can average nationally anywhere between $8,000 to $12,000 or more!

This is where so many family’s wind up in debt trying to take care of their loved one’s funeral and make sure they get treated with dignity.

Even cremation, known for being cheaper averages nationally between $3,000 to $5,000 which most American families do not have laying around the house.

Related: Burial Insurance USA

Burial Insurance in Mississippi Cost for Ages 19 – 91

We are going to provide burial insurance quotes pulled directly from our quoter in Mississippi. You will also see the available companies for burial insurance in Mississippi for all these individual ages.

Age	$10,000 Male Non Smoker	$10,000 Male Smoker	$10,000 Female Non Smoker	$10,000 Female Smoker
19	$12.87	$16.59	$12.03	$13.74
20	$13.19	$17.02	$12.13	$15.40
21	$13.50	$17.46	$12.74	$17.02
22	$14.17	$18.18	$13.06	$17.05
23	$14.54	$18.51	$13.77	$17.08
24	$15.43	$19.19	$15.16	$17.10
25	$15.95	$20.00	$15.28	$17.39
26	$16.28	$20.83	$15.40	$17.69
27	$16.61	$21.75	$15.51	$17.95
28	$16.92	$22.15	$15.61	$18.22
29	$17.25	$22.54	$15.73	$18.48
30	$17.57	$23.07	$16.09	$19.06
31	$17.97	$23.60	$16.45	$19.66
32	$19.84	$24.25	$16.79	$20.21
33	$20.34	$25.00	$17.12	$20.75
34	$20.93	$25.83	$17.45	$21.28
35	$21.53	$26.59	$17.99	$21.89
36	$22.14	$27.37	$18.54	$22.50
37	$22.84	$28.18	$19.06	$23.08
38	$23.54	$29.08	$19.55	$23.62
39	$24.34	$29.87	$20.05	$24.18
40	$23.13	$30.66	$20.70	$24.98
41	$23.62	$31.43	$19.75	$25.80
42	$24.11	$32.21	$19.93	$26.57
43	$24.64	$32.93	$20.10	$27.30
44	$25.18	$33.41	$20.38	$28.03
45	$25.79	$34.00	$20.88	$28.80
46	$26.43	$34.57	$21.43	$29.55
47	$27.10	$35.17	$22.01	$28.06
48	$27.71	$35.58	$22.33	$28.56
49	$27.35	$38.27	$21.78	$29.22
50	$28.29	$39.47	$23.56	$30.14
51	$29.26	$40.77	$24.48	$31.06
52	$30.31	$42.22	$25.09	$32.72
53	$31.47	$43.83	$25.62	$34.54
54	$32.77	$45.44	$26.26	$38.99
55	$34.25	$48.12	$27.11	$40.85
56	$35.88	$52.06	$28.20	$42.71
57	$37.69	$54.25	$29.51	$42.30
58	$39.64	$56.72	$31.70	$43.61
59	$40.10	$55.60	$31.00	$44.50
60	$41.84	$56.72	$31.70	$43.61
61	$43.76	$59.64	$32.87	$45.19
62	$46.41	$63.28	$34.51	$47.48
63	$49.07	$67.72	$36.06	$49.78
64	$51.22	$69.53	$37.72	$52.07
65	$53.58	$72.72	$39.36	$54.36
66	$56.48	$76.06	$41.01	$56.66
67	$59.85	$80.53	$43.44	$60.22
68	$63.18	$84.67	$45.86	$63.60
69	$66.84	$89.65	$48.29	$66.09
70	$70.79	$94.64	$50.81	$70.45
71	$73.15	$98.31	$53.24	$72.18
72	$78.81	$103.97	$56.20	$75.86
73	$83.99	$109.94	$58.46	$79.74
74	$89.46	$116.69	$63.55	$84.14
75	$94.87	$123.65	$67.78	$88.66
76	$99.97	$132.48	$72.41	$94.42
77	$107.04	$141.32	$78.25	$101.63
78	$114.13	$150.57	$83.51	$108.24
79	$122.13	$161.81	$88.44	$115.15
80	$129.52	$171.23	$93.41	$125.01
81	$139.73	$181.75	$98.43	$135.14
82	$149.95	$192.98	$106.21	$147.04
83	$160.16	$204.65	$113.96	$160.56
84	$171.02	$219.19	$121.31	$170.76
85	$181.88	$237.28	$128.55	$179.58
86	$192.74	$257.57	$135.90	$192.35
87	$236.25	$337.32	$171.33	$237.32
88	$276.68	$353.99	$205.98	$253.99
89	$317.10	$370.65	$240.63	$278.99
90	$357.53	$378.98	$275.28	$303.99

Best Burial Life insurance Companies in Mississippi

When it comes to the best burial insurance company what really matters is what is the best company for you?

Your unique needs and health profile will determine what the best company is for you and your rates. This is not a “one size fits all situation.” we do NOT just put all of our clients into a guaranteed issue policy with a waiting period and send them on their way.

Finding the best plan for you varies depending on what your goals are for your family, Your current health conditions if any, and your age.

You can also read some of our guides here for seniors 70 & 80 years of age.

Seniors over 70

Seniors over 80

Here are the best burial Insurance companies in Mississippi :

Mutual of Omaha

Your top choice for Mississippi final expense life insurance should be Mutual of Omaha’s elderly life insurance policy. Living promise from Mutual of Omaha offers living benefits and its the most affordable for seniors.

	Age Eligibility	Policy Brochure
★★★★★	45-85	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Graded Plan(yes) Level Plan(no)
	Death Benefit Amounts: $2,000-$50,000	Level Death Benefit(Death Benefit Never Decreases)
	Available States: All Except NY	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
Accelerated Death Benefit Rider	Allows the insured to access a portion of the policy’s death benefit while alive for various needs such as medical bills, living expenses, and funeral expenses.
Eligibility	Applicable when the insured is diagnosed with a terminal illness (12 months to live) or has been confined to a nursing home for more than 90 days without the expectation of leaving.
Inclusion	Automatically included in the policy at no extra cost.
Accidental Death Benefit Rider	Provides an extra death benefit equal to the policy’s death benefit in case of death resulting from an accident.
Inclusion	Requires an additional charge to be added to the policy.

Aetna

Now when it comes to Mississippi final expense life insurance for seniors over 85 Aetna Accendo burial coverage is your best option. They are particularly favorable to applicants with breathing conditions.

If you have been turned down in the past for breathing conditions this is your best option for no waiting periods.

	Age Eligibility	Policy Brochure
★★★★★	40-89(Preferred & Standard Plans) 40-75(Modified Plan)	Brochure
Policy Features & Benefits	Type of Policy: Whole Life (Lifetime Coverage)	Waiting Period: Preferred & Standard Plan(No) Modified Plan(Yes)
	Available States: All Except NY	Level Premiums (Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $2,000-$50,000	Level Death Benefit (Death Benefit Never Decreases)
Accelerated Death Benefit Rider	Allows the insured diagnosed with terminal, critical, or chronic illness with an expected death within 12 months to access 50% of the policy death benefit for various purposes such as bills or funeral planning.
Accidental Death Benefit Rider	Pays out an amount equal to the policy death benefit for accidental death if the insured is between 40 and 70 years old.
Children’s Term Insurance Rider	Children and grandchildren aged 30 days to under 18 years old can be covered for amounts ranging from $2,500 to $10,000 each. The policy can be converted to a whole life policy for the child between the ages of 22 and 25.

American Ammicable

If you are a smoker and need cheap Mississippi final expense life insurance you need American Amicable’s burial insurance for seniors. They offer the cheapest smoking rates for burial insurance out of any other company.

	Age Eligibility	Policy Brochure
★ ★ ★ ★ ★	50-85	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Immediate Benefit Plan(No) Graded & ROP Plans(Yes)
	Available States: All Except NY	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $2,000-$50,000	Level Death Benefit(Death Benefit Never Decreases)
Terminal Ilness Accelerated Death Benefit Rider	Allows the insured diagnosed with a terminal illness to use the entire policy death benefit (100%) for any purpose. If you have a $10,000 policy and are diagnosed with a terminal illness, you can access the full $10,000 for various needs.
Accelerated Death Benefit Rider Confined Care	Provides 5% of the death benefit in monthly payments if the insured is confined to a nursing home 30 days after the policy starts. Can be used for monthly bills or other smaller expenses.
Grandchild Rider	Offers $5,000 life insurance coverage per unit for a grandchild or great grandchild, with a maximum of 2 units totaling $10,000 in coverage. Costs an additional $1.00 on the monthly policy premium per unit for each grandchild.
Children’s Insurance Agreement	Provides up to $6,000 in coverage for each child below age 25. Can be converted to a whole life or endowment policy when the child is over 25. Allows coverage up to 5 times the coverage amount, totaling $30,000, without demonstrating insurability.
Nursing Home Waiver of Premium Rider	Waives premium payments on the policy if the insured is confined to a nursing home for over 90 days, making the insurance essentially free.
Accidental Death Benefit Rider	Doubles the death benefit payout if the insured or loved one dies from an accident, with no additional cost to be added.

Prosperity Life

If you have heart conditions and need a final expense policy in Mississippi Prosperity New Vista is the best plan for you. They are very liberal in underwriting especially to seniors with heart conditions.

	Age Eligibility	Policy Brochure
★★★★★	55-80	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Graded & Modified Plans(yes) Level Plan(no)
	Available States: All Except SC,SD,CT,MT,NY,ND	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exam Required
	Death Benefit Amounts: $5,000-$35,000	Level Death Benefit(Death Benefit Never Decreases)
Accelerated Death Benefit Rider	Allows the insured to access the policy death benefit in the event of a terminal illness, providing funds for various needs such as living expenses or early funeral expenses.
Accidental Death Benefit Rider	Doubles the policy payout if death is a result of an accident, operating similarly to other accidental riders.

The companies listed offer the best burial insurance with no waiting period. This is the best life insurance in Mississippi available. You can also see a burial insurance quote in Mississippi by filling out or quote form to the right.

Lincoln Heritage and State Farm Final expense are not companies we work with nor do we recommend for various reasons.

Extended Reading: The Colonial Penn Final Expense 995 Plan is not a good product.

Mississippi Life Expectancy

Mississippi residents on average live to be about 75 years old. Now as you get older you will be looking at higher premiums this is why it is essential to get life insurance coverage from an insurance agency like ours to protect your loved ones.

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

The older you get the bigger of a chance you have of being classified as a high risk case because you are getting closer to death. Term life insurance is also not a good option when you are higher in age because it gets harder to qualify. This is why whole life is your best option when purchasing life insurance.

Your rate will lock in and never increase on you the moment you get approved for coverage as long as premiums remain paid. Our agency is an online insurance marketplace so all you have to do is fill out the form to your right see life insurance quotes, pick your plan and our agents get you enrolled it is that easy.

The Average cost of a Funeral in Mississippi

According to worldpopulationreview a funeral cost can be $6,684 with a total cost of $18,509!

Thank God this coverage exists, no one family should EVER have to handle bills that large. This is a burden many families face on a daily basis.

Imagine this bill falling in your family’s lap while grieving you at the same time! Very unpleasant.

Insurable Health Conditions

Above all, many seniors think that because they have health conditions they cannot obtain coverage. This is not the case!

These are simplified issue plans for burial insurance in Mississippi meaning there is no medical exam just a few health questions and coverage is approved in minutes not days!

We pride ourselves on our expert-level training, we know exactly how these companies work and specialize in helping you get day one coverage in most cases.

We have helped clients get coverage for health conditions such as:

1. COPD
2. CHF
3. Diabetes
4. Heart attack
5. Stroke

It’s not about just having these conditions the carriers understand that it is about how mild are they and how are they being treated?

When our agents speak with you they will ask these types of questions to get you the right company.

What is a Burial Society Policy?

A burial society policy is a form of funeral assistance we do not recommend. It is basically a savings account you must contribute to every month to save money for the burial expenses with a community the funds are considered a “pot”.

It does not compare to burial insurance in Mississippi policies.

This puts your family members at risk because simply put… What if you die tomorrow?

If you die tomorrow your family will receive no death benefit from any kind of final expense life insurance because you did not have any. If you have any outstanding bills like medical bills, debt balances, car payments, etc. A funeral society policy will not help with that.

Furthermore, If you die outside of where the funeral home is or the funeral home shuts down this makes it very difficult to cover the burial.

Burial insurance offers a quick payout for the death benefits upon receiving death certificates from your named beneficiary. This means it covers the cost quickly and provides your family with the peace of mind they deserve.

Burial Insurance Policy Riders

In addition to the products and services, funeral insurance companies offer there are additional riders depending on the type of coverage and carrier you choose.

• Accelerated Living Benefits – This rider means not only does your policy cover the funeral costs but it will also allow you to take from the face amount early to pay for things you may need if you are diagnosed as terminally ill.
  
  With this rider, you can do things such as prepaying the funeral expenses early paying for experimental medical treatments normal health insurance may not cover, etc.
• Accidental Death Benefit – This rider can offer additional coverage from your policy if you die in an accident this can usually double the face amount.

Government Burial Insurance

There is no government burial insurance. Now there is government assistance for families affected by COVID – 19 according to fema.gov for burial.

But if you are looking for the government to pay all of your funeral expenses of $10,000 or more there is nothing offered that will cover that whole bill.

This is why picking a good life insurance company is crucial to protecting your family from the burden of your final expenses. Insurance covers everything related to your funeral depending on the policy you pick and insurance type.

This pays out to your beneficiary, not some funeral home that could go out of business so they can take care of your final wishes.

It provides a very quick payout within 24 – 48 hours no matter how much you have paid into it or how long you have had it. So It is the perfect solution to covering your burial.

Is there Free Burial Insurance?

No there is no free burial insurance in Mississippi. However, the rates are very affordable depending on your age health, and lifestyle, and our agents are trained to find you the best coverage at the best rate available.

Fill out the form to your right to see pricing and speak with one of our agents.

Why Work with an Independent Agency?

Working with an independent agency like ours means we are not restricted to any one product or company. We represent and have contracts with top A-rated carriers in MS to secure you the best rate and best policy for your unique profile.

That means We are not bound by state lines we don’t work for the insurance companies we work for you! We pride ourselves in our agents becoming your personal advisors for life!

Non-independent agency

Working with a non-independent agency means they typically are limited to 3 maybe 4 companies therefore they will not find the best rate. They are typically limited to state lines so when it comes to assisting your family members with getting the coverage they simply won’t be there.

Quick Q/A

Is burial insurance the same product as funeral insurance?

Yes they are both life insurance

Is there a waiting period for burial insurance?

It depends on the health status if you are in extremely poor health then yes there can be a waiting period.

Why Choose ParamountQuote?

1. Our agency is national and independent. With all of our top major carriers, we guarantee the best rate and coverage!
2. We specialize in burial insurance and top underwriting placement.
3. You get our agents as your personal agents for life! They are on call any time you have a question or need service with your policy.