Burial Insurance Utah 2022 Ultimate Guide

burial insurance utah

If you are looking for burial insurance in Utah, then you have come to the right place. We help 90% of our clients qualify for day one level coverage for their policies.

First and foremost, what is burial insurance? It is simply a marketing term for final expense life insurance also known as whole life. Other terms used for this are funeral insurance and cremation insurance. These are small whole life policies ranging between $1,000 – $40,000 and are designed specifically to protect your family members from the final expenses you leave behind when you die.

According to cdc.gov

The leading cause of death in Utah is heart disease followed by cancer, accidents, Alzheimer’s disease, stroke, and others.

We have spoken with so many clients that had a loved one die of heart disease and leave them with the funeral expenses to take care of. This is why we specialize in burial insurance in Utah. These plans are designed to provide a quick death benefit payout to your beneficiary within 24 – 48 hours so they can pay the funeral directors.

Let’s go over everything you need to know to get started.

Funeral Costs in Utah

When it comes to burial expenses it is important to note that they vary from state to state. The expenses are set by the funeral homes and they outline everything from the cemetery plot to the casket and so on.

Furthermore, we do know the national average for burial is around $8,000 – $12,000 nationally. This means that your family will be responsible for coming up with this amount of money when you die to make sure you have a proper funeral. The truth is most Americans do not have $10,000 laying around to take care of a funeral.

Ask yourself if your children, brother, sister, or cousins have this on hand to pay for your funeral? Then ask yourself, why would you want to make them come out of pocket for it?

Another factor is inflation, inflation is going to make funerals skyrocket to $14,000 or more in the coming years. As time goes on everything goes up, so it is crucial to get something now.

Cremation

Cremation is also a much more affordable route to consider. Cremation is typically half the cost of burial but with inflation, this will also make cremations whereas they usually range between $3,000 – $5,000. Increase to $8,000 or more.

This is why a cremation insurance policy is a great product to consider.

Another thing about burial insurance or cremation insurance is that these policies will last your entire life you cannot outlive them. Other policies will go only until age 80 or 90. With these plans, they will go well over age 100 meaning it is coverage that will always be there.

Burial Insurance Underwriting

The best part is the simplified underwriting of these plans.

They will never make you take a medical exam or take any blood samples, physicals, blood pressure, etc. All they simply do is ask you health questions on their application and check your medical history and prescriptions that’s it.

Furthermore, this can all be done in 30 minutes or less from the comfort of your own home. It’s that simple and easy.

They are looking for 3 major factors when considering you for coverage.

  1. Any Major Prescriptions.
  2. How well your health conditions are managed.
  3. The time frame of how long you have had your conditions without any incidents.

Major prescriptions would include medications like Donepezil,Nitro or Gabapentin to name a few.

The time frame of your conditions and how well they are managed are key factors.

For Example:

If you had a heart attack within the last year you will only be able to get a policy with a graded benefit meaning a waiting period.

Now if you had a heart attack over 2 years ago without incident you can get day one level coverage with no waiting period.

This is what one of our agents will go over with you when you apply and speak with us.

This is how we help 90% of our clients get level coverage.

How to Get the Best Life Insurance Company?

Getting started is very simple.

Work with the experts. That’s us!

We are an independent national broker what this means is that we have access to all of the top major carriers nationwide that can provide you the best rate and coverage guaranteed. We specialize in burial insurance and our agents are highly trained in the underwriting niches of all these carriers which is why we maintain our 90% number with our clients.

Furthermore, we do not believe in a “one size fits all.” type of policy it’s all dependant on you and your unique needs. Our agents are trained to listen to you and do everything in their power to find you level coverage and then become your personal service agent after that.

We build long-lasting relationships with our clients. We are not a fly-by-night type of company. Our staff is available to you whenever you need them.

Fill out the form to your right to speak with one of see pricing on policies in your area and to speak with an agent.

Burial Insurance Utah Example Health Questions

Here are some example health questions that are on applications for burial insurance in Utah.

In the past 2 years have you been diagnosed with:

  • AIDS or HIV
  • Heart Attack
  • Stroke
  • Congestive Heart Failure
  • COPD
  • Hospitalized or in a nursing home
  • Chrons Disease
  • Ulcerative Colitis
  • Lou Gherics Disease
  • Systemic Lupus
  • Sickle Cell Anemia

Have You ever been diagnosed with:

  • Cancer
  • Alzheimer’s or Dementia
  • Diabetic Amputation
  • Insulin Shock or Diabetic Coma
  • Oxygen Usage

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