Burial Insurance Delaware The Truth 2022

If you are looking for quick insurance quotes for burial insurance Delaware fill out the form to your right.

First and foremost, if you are looking to buy burial insurance in Delaware you are on the right track.

Finding the right company to protect your family from your burial expenses can be challenging to say the least. This is where we as the experts come in, we have assisted thousands of residents in Delaware. We make finding the best burial insurance available in the second smallest state of the U.S.A simple.

According to nfda.org

The 2021 cremation rate is projected to be 57.5% and the burial rate is projected to be 36.6%.

Furthermore, burial insurance, as well as cremation insurance, is a marketing term for final expense whole life insurance. So whether you are going to do a burial or cremation the policy will work for both.

Common Causes of Death In Delaware

There are many causes of death in America, tomorrow is not promised. This is why having coverage in place to protect them from the funeral cost is the best thing for your family’s peace of mind.

According to cdc.gov

The leading causes of death in Delaware are as follows:

  1. Cancer
  2. Heart Disease
  3. Accidents
  4. Stroke
  5. Chronic Lower Respiratory Disease
  6. Alzheimer’s Disease
  7. Diabetes
  8. Kidney Disease
  9. Influenza
  10. Septicemia

Burial insurance in Delaware provides a lump sum death benefit to your beneficiary at the time of your death so if you die from any of the above conditions your family will receive the money to pay for the funeral expenses.

Accelerated Death Benefit Rider

In addition to this depending on what plan you apply for we can help you get a rider for accelerated death benefits. What this means is if you get diagnosed with cancer and are expected to only have 12 months to live, you can take a portion of the face amount of your policy to be used for anything.

You can use it to pay any extra bills or pre-pay the funeral arrangements in advance so your family doesn’t have to.

Accidental Death Benefit Rider

Depending on what policy you choose with us there is also an accidental death rider that can add additional coverage to your policy if you die from an accident. These riders can be an additional benefit so if you purchase a policy with us for $20,000 with the accidental rider for an additional $20,000 this would be a payout of $40,000 to your beneficiary.

Average Cost of Funeral Services to Plan for Burial Insurance Delaware

According to funeralocity.com

The high price for a funeral in Delaware is $10,285.

This means when you die the funeral home will ask your family to come up with the above amount to cover your funeral. There is also inflation to consider, the cost of burial now can be $10,285 but in the next 10 years, it could be well over $14,000!

This is why when shopping for final expense insurance we recommended shopping for a policy with $5,000 more added to account for inflation.

How to know exactly How Much Burial Insurance you need?

It is simple to figure out how much coverage you need. Ask your local funeral home for a price on the services you want. After that add on $5,000 for inflation and factor in any other end-of-life expenses, you may have such as other debts, unpaid vehicle loans, mortgage balances, etc.

Once you have the exact amount of all your end-of-life expenses purchase a policy that matches that amount.

Picking the Best Life Insurance Company

Picking the best burial insurance in Delaware is simple.

Work with us. Here at ParamountQuote, we work with the top-rated carriers nationwide. Our agents are highly trained to get you the best policy for you and your unique health situation.

We help 90% of our clients get day one level coverage what this means is that if you don’t work with an expert you can wind up in a policy with a waiting period for benefits.

We do not recommend companies such as Colonial Penn, Globe, Lincoln Heritage, etc.

Our carriers have been in business for over 100 years so they’re not going anywhere any time soon. With over 20 carriers in our portfolio, we guarantee you the best coverage at the best rate possible.

Burial Insurance Delaware Underwriting & Health Questions

The burial insurance in Delaware carriers that we work with have easy underwriting. What this means is that getting qualified for our carriers is easy and can be done in 30 minutes or less.

Furthermore, they do not require a medical exam, blood test, physical or anything like that. They simply look at your Medical Information Bureau Health Report and perform a prescription check to check your health. They look at you as a person not a list of health conditions.

Our carriers look at how well your health conditions are managed. So if you have a particular health condition but have not had any complications in over 2 – 3 years then your chances of day one coverage are high.

Our carriers are mainly looking for the following health conditions:

  • Cancer
  • Terminal Illness
  • HIV/AIDS
  • Kidney Dialysis
  • Organ Transplant
  • Amputation due to Diabetes

Furthermore, even if you have those conditions we can still get you coverage.

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