Burial Insurance Massachusetts The Truth 2022

For the baked bean state, there are plenty of options for burial insurance in Massachusetts. The burden of your final expenses should never have to fall on your family when you die. That’s why we are here to help.

According to cdc.gov

The leading cause of death in Massachusetts is Cancer with over 12,934 deaths.

Death can happen tomorrow and this is why getting a burial insurance policy is crucial to giving your family peace of mind. Burial insurance, funeral insurance, and cremation insurance are all marketing terms for the same product which is whole life final expense insurance.

Whole Life Insurance

Whole Life Insurance is a small death benefit life insurance policy between $1,000 – $40,000 designed to cover the end of life expenses like funeral expenses for whatever funeral home you are using.

Does Burial Insurance Require a Medical Exam?

The best part about these policies is there are no medical exams required because of their easy underwriting.

They will not send a medical expert to your home to draw blood and run tests or have you do a walking lap around your home, unlike most term life insurance. All they do is use your Social Security Number to look at your Medical Information Bureau Health Report and perform a prescription check.

Furthermore, an instant decision is reached right after these checks that you are either approved or denied that is how quick the process is. The life insurance company is just looking for major health issues or poorly managed health conditions. Our agents walk you through this process.

Funeral Costs in Massachusetts

Burial costs vary from state to state, the funeral homes control the pricing in these cases.

This is why life insurance is a type of coverage that allows you to pick your specific face amount. A burial can range between $8,000 – $12,000 now it is important to add inflation into that. We recommend at least $5,000 extra for inflation. So if your burial is $10,000 a $15,000 policy should more than cover the costs.

Furthermore, these policies pay out to your named beneficiary so when you die your beneficiary receives the check they deposit into their bank account and use the funds to pay for the funeral. This ensures that everything is paid and accounted for.

These policies are also very affordable we have assisted 100’s of low-income clients that otherwise would be relying on the department of transitional assistance get affordable coverage.

Is there a Waiting Period for Burial Insurance?

A waiting period is all dependent on what you qualify for. We help 90% of our clients qualify for day one level coverage.

We have helped clients with COPD, CHF, Heart Attacks, Stroke, and much more. Get a policy that would pay out to their beneficiary the next day if they died tomorrow. Our agents are highly trained to know the underwriting niches of the companies they represent.

Furthermore, They are highly trained on what prescription drugs a carrier will and will not accept. This makes finding burial insurance in Massachusetts simple and easy when working with our agents. We guarantee the best coverage at the best rate.

Guaranteed Issue Life Insurance for Burial

If you are terminally ill or have serious health issues like HIV, Current Cancer, Dementia, Alzheimer’s to name a few then a Guaranteed Issue policy is the only burial insurance in Massachusetts you will be able to get.

Guaranteed Issue Policy Waiting Period

These policies have just a 2 year waiting period for benefits. If you pass away within the 2 years your family would receive the premiums paid plus 10%. After the 2 years the full face amount will be paid if you die. This is why you want to start your waiting period as soon as possible.

Furthermore, These policies have an accidental death rider so if you die from an accident it will pay the full face amount regardless of the waiting period.

Example Health Questions

We are going to provide some basic questions you will see on an application for burial insurance in Massachusetts. These carriers ask their questions in time frames typically.

Within 2 Years Time Frame

  • Had diagnostic tests which results are not known.
  • Diagnosed with Angina, Stroke, Lupus, Cirrhosis, Hepatitis C.
  • Used Illegal drugs, abused alcohol, or drugs.

Those are just a few health questions that will be asked on the application. When you speak with our agents they will go over this with you.

Fill out the form to your right to see pricing and speak with an agent.

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