Burial Insurance in Georgia: Comprehensive Guide

For the state that is known as the cradle of winemaking finding burial insurance in Georgia does not have to be hard at all.

In this guide, we will cover some commonly asked questions concerning these policies and show you how ParamountQuote can help you secure the best coverage to protect your family.

We have clients in all 50 states, we are nationwide helping clients with burial insurance in the USA.

Also for more information on what is a burial insurance policy you can read that article.

In short burial insurance is life insurance for final expenses also known as final expense life insurance also known as whole life insurance.

Whole life is different from term life insurance, in fact, we do not recommend term life as a reliable policy for burial considering the term will expire at some point.

With Whole Life, it is permanent coverage that will always be there for your family it also builds cash value in the policy. This is perfect for burial insurance in Georgia.

It is designed for end-of-life expenses such as funeral and burial expenses.

The face amounts are typically between $1,000 – $40,000 and with the average burial across the nation being $8,000 to $12,000 and cremation being between $3,000 to $5,000 these policies pay for a funeral and much more!

These policies also payout within 24 – 48 hours of receiving a death certificate, so if the expectations in Georgia are for a quick payout, your family will receive the death benefits promptly.

Burial Insurance in Georgia Cost for Ages 19 – 91

This data comes from our agent quoting tools to give you accurate pricing for funeral insurance in Georgia. The final expense quotes are based on the age and health of the insured which means the younger and healthier you are the more affordable funeral insurance in Georgia will be for you.

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

What is the Best Life Insurance Company in Georgia?

The truth is there is no best life insurance company it comes down to what life insurance company is best for you?

In order to find the best company for you, we would have to speak with you directly and find you the best policy for your unique situation and health profile.

The best burial insurance companies we have available in Georgia:

Mutual of Omaha

Mutual of Omaha funeral life insurance is the most affordable funeral policy when it comes to Georgia final expense life insurance. Their rates are among the lowest you will see and they are very favorable to seniors with health conditions.

If you have mild health conditions like controlled diabetes you should apply for their final expense insurance in Georgia. This is their Mutual of Omaha living promise policy because it also has living benefits.

	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.

American Amicable

If you are a smoker looking for cheap final expense insurance in Georgia American Amicable burial coverage is perfect for you. They offer the lowest smoker rates for Georgia final expense life insurance on the market.

	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 or other moderate health issues you should try applying with Prosperity’s burial policy. They have some of the most liberal underwriting in the industry so individuals with health issues especially with the heart.

This means you have a strong chance of being approved for Georgia final expense life insurance.

	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.

Transamerica

If you are obese and looking for final expense insurance in Georgia then Transamerica’s burial policy is perfect for you. They do not have any height or weight requirements which means if you have been turned down in the past for Georgia final expense life insurance you should apply with them.

	Age Eligibility	Policy Brochure
★★★★★	45-85	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Graded Plan(yes) Preferred & Standard Plans(no)
	Available States: All States	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 & Nursing Home Confinement	Pays the full death benefit if the insured experiences a terminal illness or is confined to a nursing home.
Accidental Death Benefit Rider	Pays an additional coverage amount equal to the face amount for ages 18-70 in the event of death due to an accident. The policy payout doubles, e.g., a $15,000 policy becomes a $30,000 payout to the beneficiary.
Children & Grandchildren Benefit Rider	Offers coverage between $1,000 – $5,000 for children aged 15 days – 18 years, with a maximum of 9 children covered. The coverage can be converted when the child becomes an adult.

Aetna

Now if you have breathing conditions and need final expense insurance in Georgia Aetna funeral coverage is perfect for you. Seniors with COPD and other breathing conditions have a strong chance of being approved 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.

Guarantee Trust Life

There are only 5 health questions for the heritage plan from Guarantee Trust Life. This makes it the perfect plan for Georgia final expense life insurance if you quite a few health conditions.

	Age Eligibility	Policy Brochure
★★★★★	50-90	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Year 1: ROP+5% Interest Year 2: 50% of Death Benefit Paid Year 3: 100% Death Benefit Paid
	Available States: All Except NY	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $2,500-$20,000	Level Death Benefit(Death Benefit Never Decreases)

AIG

Living benefits via the terminal illness rider included in the AIG final expense policy is where this coverage really shines. If you are diagnosed with terminal illness you can use funds from this policy to pay bills(medical, living expenses etc.).

	Age Eligibility	Policy Brochure
★★★★★	50-80	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Full 2 Year Waiting Period Death Within 2 Years is ROP + 10% Interest Accidental Death Within Waiting Period is Full Policy Payout
	Available States: All Except NY	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $5.000-$25,000	Level Death Benefit(Death Benefit Never Decreases)

Gerber

Getting the cheapest guaranteed issue Georgia final expense life insurance is going to be Gerber’s burial policy. They offer the cheapest rates among their competitors.

	Age Eligibility	Policy Brochure
★★★★★	50-80	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Full 2 Year Waiting Period Death Within 2 Years is ROP + 10% Interest Accidental Death Within Waiting Period is Full Policy Payout
	Available States: All States	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $5.000-$25,000	Level Death Benefit(Death Benefit Never Decreases)

Average cost of Funeral Expenses in Georgia

According to funeralocity the average full-service burial in Georgia is $7,528 and a full-service cremation is $6,318!

This means at the time of your passing your family would have to come up with this money upon the funeral home’s request.

This is NOT something a credit card can take care of, Your family would need to take out loans, sell some personal belongings or launch a GoFundMe. We have seen families do this many times.

This is why these burial insurance in Georgia policies provide the protection needed to ensure this never happens to your family.

Burial Insurance in Georgia Do these Policies require a Medical Exam?

In short no they do not applying is easy and approval can be done in minutes!

Here’s how the process works:

1. One of our highly trained agents gives you a call.
2. The agent confirms some basic information you filled out.
3. Asks some basic health questions.
4. Confirms the amount you are applying for.
5. Proceeds with an e-signature or e-mail signature depending on the company.
6. Then the carrier confirms your approval.

These are simplified issue policies meaning there are no physical exams or blood tests required.

We also pride ourselves on helping clients with health conditions such as COPD, CHF, Diabetes, Stroke, and much more get approved for coverage!

Our agents make it their prime mission to help you qualify and secure the best coverage with the best monthly premium available in Georgia. We specialize in burial insurance in Georgia.

Working with the Right Insurance Agency

Working with the right agency like ours is paramount to achieving your vision for your family’s financial future when your time comes.

The right insurance agency would be a national independent agency. This means our agents are not bound by one particular policy or carrier.

We represent multiple carriers and have an option for any client we work with. We are not bound by state lines or any particular company we work for YOU.

Extended Reading: Life Insurance for Seniors over 80, Life Insurance for Seniors over 85, Life Insurance for Seniors over 75, Life Insurance for Seniors over 70

Our agents become your personal service agents for life, always here to help answer any questions and provide any extra service concerning your policy.

Cost of Cremation in GA

According to us-funerals.com

A Georgia cremation can range up to around $4,000 with a service.

Whether it is a burial or a cremation these burial policies will pay out just the same regardless of Georgia funeral laws.

They are not bound by any state laws because the insurance companies are in control of paying their client’s claims.

It is up to you to specify your beneficiary so they receive the money and can carry out your final wishes as you see fit. So if you want to be buried in Lincoln Cemetery Atlanta make sure you tell your beneficiary this.

Depending on the carrier you choose they will verify insurance in Georgia to be able to substantially pay your family’s claim.

Our clients ask us all of the time if there is free cremation in Georgia and consider things like the casket’s or for example specific cities like the Atlanta embalming service’s. The answer is a simple no.

“There will always be a funeral cost in Georgia no matter if you select a burial or cremation.”

That being said there are always factors to consider when looking into the average funeral cost in Georgia.

1. What are the body preparation services?
2. How much is the casket?
3. How much is the reception dinner?

This is why the cost varies so much from state to state. So when consumers ask them questions like:

“How much does a cremation cost in Georgia?”

or

“How much is cremation in Georgia?”

The answer is usually given in a range of pricing. It can be anywhere between $3,000 – $5,000 or more. Depending on the funeral home and services you want.

Affordability

Final expense insurance in GA is extremely affordable which is the best part of burial insurance in the first place. The rates for seniors are dependent on age, health, and lifestyle.

The truth is the healthier and younger you are the more affordable it gets with the state of Georgia life insurance.

Another source which is georgiafuneralcare.com says the cost of cremation is $1,095 – $3,890.

What is the best Life of Georgia Insurance Company

The answer to this is very simple.

The best burial insurance companies have niches for different individuals and health conditions. So if you are an individual with moderate health conditions like for example, COPD.

Then you need to fill out the form to your right and one of our licensed agents will reach out to you and help you with potentially qualifying for our carrier that will give you day one coverage for Chronic Obstructive Pulmonary Disease.

Cremation Prices in Georgia & Laws

In most cases, cremation is known to be extremely affordable. This is an alternative to traditional funeral services because most family members cannot come up with the extra money to pay a huge funeral bill.

We see this on a daily basis when talking with our clients about burial insurance in Georgia. The average cost of cremation in Georgia vary’s depending on what funeral home you go to. Each one has a different price list.

They would factor in the memorial service if it is included. In addition, this would include the cremated remains and if they are going to be put into a cremation casket. This is all discussed with the funeral director and priced into the cremation service this also would include the grave marker.

With all of that being considered the average cremation costs in Georgia would be around $2,527.

You can get a pricing sheet for cremation packages from the local funeral home to assist you in your pre-planning. We have spoken with many clients that have received their loved one’s death certificate and the final arrangements were already taken care of.

This is why burial insurance in Georgia is designed to cover the cost of a funeral and help with an affordable cremation or pay the whole thing altogether. These types of policies are perfect for cover your final expenses if you are on a fixed income like social security.

The ParamountQuote Mission

If you are looking for burial insurance in Georgia you are in the perfect place. Allow us to earn your business.

1. We are a national independent agency with access to all the top major carriers to find the best rate and coverage guaranteed!
2. We specialize in burial insurance and helping clients find day one coverage.
3. Our agents become your personal service agent for life. Meaning we are always there for our clients!