Burial Insurance in Kentucky: A Comprehensive Guide
Posted in Burial Insurance by State last updated on December 7, 2023Shopping for burial insurance for seniors in Kentucky can be overwhelming, to say the least. Getting a life insurance plan for your family is not only necessary but tedious to understand all the in’s and out’s, That’s why insurance agencies like ours are here to help.
It’s important when talking with an agent that they take their time to get to know you and your unique needs and health condition. Which is what our agents are experts at.
The goal is to help you find the absolute best coverage. Not just give you an insurance quote and stick you in some guaranteed issue plan with a 2 year waiting period for the death benefit.
This is why it is critical to find the best life insurance company that fits your situation. With this funeral insurance in place to cover any burial expense so when the funeral directors want their money, your family is not scrambling to take care of the expenses.
This guide will show you the in’s and out’s of Kentucky burial insurance
Table of contents
- Final Expense Life Insurance is Burial Insurance
- Funeral Costs in Kentucky
- Life Expectancy of Americans
- The Free Look Period
- Kentucky Burial Insurance Cost Ages 19 – 90
- State Specific Plans Kentucky Burial Insurance
- Best Burial Insurance Companies In Kentucky
- How to Buy Burial Insurance in Kentucky
- Eligibility for Final Expense Life Insurance in Kentucky
- Common Health Questions on an application
- KY-EDRS & Death Certificates
- Kentucky Funeral Laws Kentucky Burial Insurance
- KY Life Insurance Benefits
Final Expense Life Insurance is Burial Insurance
One thing to realize about Kentucky burial insurance is that it is final expense life insurance. For a more comprehensive guide check out our article on What is a Burial Insurance Policy.
These policies have premium payments a free look period, no medical exams and are used often in protecting families from the cost of funerals and burials. It is just a marketing term plain and simple.
For decades people have used a life insurance plan for end-of-life expenses.
The security life insurance companies offer is perfect for the funeral costs they pay out quickly so the funeral directors are not waiting for their money and the burial expense is taken care and grieving is just a little bit easier.
Kentucky burial insurance has health questions, Underwriting, and regular monthly or annual premium payments.
Our agents can easily help you get qualified and enrolled in minutes!
Leading Cause of Death in Kentucky
The best part is you can still buy life insurance even if you have some of the conditions above, we have a plan for everyone and we help 90% of our clients get this type of life insurance and they do not have a waiting period.
This is why if you are a Kentucky resident fill out the form to your right to get a burial insurance quote in Kentucky.
Our agents are highly trained and will match you with the perfect company depending on the type of health conditions you have.
Funeral Costs in Kentucky
When considering a Kentucky burial insurance policy you need to take into account the average funeral cost in Kentucky which according to https://worldpopulationreview.com/ is $12,484 for end-of-life cost!
So above all getting burial insurance in Kentucky is imperative. Imagine your family scrambling to take out a loan just to pay the funeral directors their dues.
Leaving behind a financial burden of funeral costs is not something anyone should want to do.
As we have established funerals and burials are not cheap. Having sufficient funeral insurance is a box you should always have checked.
Life Expectancy of Americans
According to Google, the average life expectancy of Americans is 78.54 years, Canada and the UK live 3 years longer than Americans.
So with this data taken into account, the demand for Kentucky burial insurance and burial insurance across the United States has increased drastically.
With inflation on the rise, burial expenses and funeral costs will increase.
The Free Look Period
Kentucky residents have a 10-day free look period with their policies. This means that when you receive your policy you have 10 days to review and decide if you want to cancel for a full refund of your premium.
You can still cancel your policy at any time however if you cancel outside of the 10-day free look of your policy you will not receive a refund.
Kentucky Burial Insurance Cost Ages 19 – 90
These are sample quotes directly from our quoter for Kentucky funeral insurance pricing. As you can see we can also get funeral insurance for young adults in Kentucky. There are a lot of available burial insurance companies that provide Kentucky final expense insurance to pay for funeral costs.
| 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 |
State Specific Plans Kentucky Burial Insurance
A great thing about life insurance is that in most cases carriers are nationwide meaning no matter what state you are in you can find excellent burial coverage Kentucky burial insurance is not just specific to the state of Kentucky, these plans are available in relatively every state and will move with you should you leave that state for any reason.
There may be some state-specific regulations but the availability of the plans is nationwide. Funeral insurance is accessible to all Americans.
Best Burial Insurance Companies In Kentucky
We are going to list the available burial insurance companies that offer final expense insurance in Kentucky.
Mutual of Omaha
Mutual of Omaha’s burial insurance policy is called Living Promise whole life. This is one of the cheapest final expense insurance plans on the market.
 | 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
American Amicable’s final expense policy called Senior Choice has the cheapest cost for smokers.
 | 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
Prosperity new vista final expense has very liberal underwriting and is particularly friendly to applicants 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. | |
Aetna Accendo
Aetna’s final expense plan is perfect for seniors over 85 getting life insurance. They are also friendly towards breathing conditions.
 | 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. | |
AIG American General
AIG funeral insurance is guaranteed issue coverage with no health questions. Anyone can be approved for this policy however it does have a 2 year waiting period.
 | 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) |
Guarantee Trust Life
Guarantee Trust Life’s burial policy has only 5 health questions. It is very close to a guaranteed issue policy however the waiting period half of the standard 2 year waiting period.
 | 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) |
Gerber
Gerber life final expense insurance is also a guaranteed issue plan. Gerber is actually the cheapest guaranteed issue policy on the market.
 | 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) |
How to Buy Burial Insurance in Kentucky
In order to buy burial insurance in Kentucky you must work with a licensed life insurance agent or broker in your state. You can either call the toll free number available on their websites or ours to apply.
Another way to apply is by filling out our quote form the right of this page. Once you have contacted us or another agency they will typically reach out via phone call.
They will ask you preliminary health questions and present your policy option based on your health. Once you have picked your plan you fill out the application for life insurance with the agent. You will have to consent to health & prescription history checks in addition to answering health questions.
Once the life insurance company finishes the checks and they line up with your answers to the health questions you will be approved. There are no medical exams required for simplified issue whole life insurance(final expense insurance).
Eligibility for Final Expense Life Insurance in Kentucky
Use our free list of requirements to check your eligibility for funeral insurance in Kentucky. It will list each thing required on a life insurance application in Kentucky.
Common Health Questions on an application
Some common health questions you would see on an application for Kentucky burial insurance would be:
Are you currently hospitalized or in a nursing facility?
Have you used Tobacco in the last 12 months?
Are you currently diagnosed with cancer?
Height & Weight?
Keep in mind these questions do not determine eligibility. They are simply example questions on an application and you can still be approved despite your health conditions.
Specializing in instant approval for day 1 burial coverage is what we do.
To speak with one of our licensed agents fill out the form to the right.
KY-EDRS & Death Certificates
Technology helps your loved ones receive the death benefit quickly within 48 hours. Part of this is done through the Kentucky Electronic Death Registration System (KY-EDRS) for short.
The way it works is the funeral directors fill out a portion of the certificate on their end and upload it for medical certifiers to complete on their end. Once the certificate is completed this is instantly communicated to the life insurance company.
At that point, your beneficiary receives the benefit to pay for the funeral expenses and begin the funeral planning alongside the funeral home you may have previously selected.
Who Keeps the Death Certificate information?
The information along with birth certificates and marriage certificates is kept in the office of vital statistics in Kentucky.
FAQ’s
“Who is responsible for funeral expenses in Kentucky?”
The next of kin is always responsible for their loved one’s funeral expenses. This can be a son, daughter, father, or mother.
“How much insurance coverage should I get?”
You should always get a policy equal to the number of expenses your burial or cremation is going to be. If your burial is $11,000 then get a policy for $11,000.
“When should I start my coverage?”
Immediately, the sooner you have coverage in place the more affordable it will be.
“Does health insurance cover any part of burial?”
No, it does not cover any portion of cremation or burial.
Kentucky Funeral Laws Kentucky Burial Insurance
In conjunction with named beneficiaries in a policy, this is also reflected in the laws of Kentucky.
The only people allowed to make a decision about the deceased person are any next of kin like a son, sibling, daughter, named person recorded, etc.
No person outside of those specifications can make decisions related to the body.
Life insurance carriers and the Kentucky Department of Insurance work to honor these laws.
KY Life Insurance Benefits
The benefits of permanent life insurance also known as whole life insurance or burial insurance are:
- A death benefit that will never decrease
- A locked-in premium rate that will never decrease as you get older
- A tax-free death benefit to your beneficiary when you die.