Funeral Insurance in Toms River NJ
Posted in Burial Insurance last updated on February 13, 2024Funeral Insurance in Toms River NJ
Looking for Funeral Insurance in Toms River NJ? As a local company Secure Senior Benefits, has got you covered. Planning for your funeral can be easy when you understand what the costs are and how to cover them.
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Understand The Different Types of Funeral and Burial Services in NJ
When it comes to planning for the final expenses associated with funerals, New Jersey residents have a lot to consider. Understanding the different types and average costs of services like traditional full-service burial, full-service cremation, affordable burial, and direct cremation is essential.
Traditional Full Service Burial in NJ
A traditional full service burial covers all the essentials: from the funeral home’s basic fee, body embalming and preparation, to hosting a viewing or wake.
what it includes
- includes a ceremony at a church or funeral home
- a procession
- a graveside service with a casket provided.
Full Service Cremation in NJ
Full service cremation offers all fundamental cremation procedures.
What it includes
- viewing or wake before the funeral,
- a service at a church or funeral home,
- a standard casket, with ashes returned to the family, unless an urn is bought separately.
Affordable Burial in NJ
Also known as Immediate or Direct Burial, this option involves burying the body without embalming, viewing, or services.
What it includes
- basic service fees
- transport of the body to the cemetery
- cost of a basic casket.
Direct Cremation in NJ
Direct cremation is a very direct service as the name entails
What it includes:
- the body’s removal at the time of death
- transport to the crematory
- the actual cremation, without any additional services.
- An alternative cremation container is used unless an urn is purchased.
Average Cost of All Funeral Service Types in NJ
Funeral Service Costs
| Service Type | Low Cost | High Cost | Average Cost |
|---|---|---|---|
| Traditional Full Service Burial | $5,720 | $15,395 | $9,445 |
| Full Service Cremation | $3,205 | $12,465 | $6,873 |
| Affordable Burial | $3,250 | $8,400 | $5,384 |
| Direct Cremation | $786 | $5,810 | $2,510 |
Purchasing Burial Insurance in NJ
Beyond knowing these figures, it’s crucial to understand the importance of choosing the right insurance plan to cover these costs. This is where working with an independent life insurance agent in New Jersey becomes invaluable.
Independent agents have a significant advantage over going directly to a single insurance company. Here’s why:
More Options
An independent agent has access to a wide range of insurance plans from multiple carriers. This means they can offer a variety of insurance products that cover burial expenses and comprehensive life insurance policies that include funeral expenses.
Whether you’re looking at the cost of a casket, cremation, or funeral service, an independent agent can help you find a plan that fits your specific needs and budget. They can navigate through insurance plans to find one that gives you peace of mind.
Independent agents are well-versed in the specifics of funeral arrangements and the associated costs. They can guide you on the benefits of different types of plans and the implications for your funeral arrangements.
Cost Savings
Working with an independent agent can lead to significant cost savings. They can compare prices from different funeral homes and insurance companies, helping you cover the costs of your funeral without overpaying.
Best Funeral Insurance Companies in NJ?
SBLI (The Savings Bank Mutual Life Insurance Company)- Best Value
- A National Complaint Index score of 0.12 well below the average national average of 1.0
- Instant Decision Application
- Competitive rates
- Policy in hand within 30 minutes of Applying
- The Sequoia Funeral Concierge Plan
- Founded in 1907 – Established and Secure
(The Sequoia Funeral Concierge Plan described in image below)
The Sequoia Funeral Concierge Plan
The Sequoia Funeral Concierge Plan is a nationwide funeral planning and concierge program, powered by NASER Global, offered as a complimentary service with every SBLI Living Legacy™ Final Expense Plan.
What It Is
The service is designed to help you and your family make more informed decisions, about all aspects involving funeral related issues and convert your last wishes into reality, in accordance with your budget or resources. When help is needed, it simplifies the funeral process, offering the fastest and most efficient solution to act on behalf of your family, and helps to reduce emotional and financial stress.
Key Benefits
- Personalized Service: Step-by-step 24/7 guidance is provided to your family throughout the funeral process.
- Discounted Prices: Discounted and special pricing on funeral services is available for all members.
- Global Network: Offers the largest worldwide funeral network in the industry with new providers being added every year.
- Extended Protection: Up to a total of 10 family members can be included under the Funeral Concierge Plan.
- Nationwide & International Support: State to state and country to country funeral transfer support is provided, including all necessary legal documentation for transportation at discounted prices.
AMERICAN-AMICABLE LIFE INSURANCE CO. – Highest Coverage Amounts
- Immediate Coverage up to $50,000
- Simplified Issues -No Medical Exam
- Competitive rates
- Decision Can Be Instant
- Wide Range of Available Riders – Grandchildren’s Insurance Agreement, Terminal Illness, Accidental Death Benefit, Children’s Insurance Agreement, Nursing Home Waiver of Premium, and Confined Care
- Founded in 1910-Well Established
Royal Neighbors of America – Competitive & Immediate Coverage for Common Conditions
- Coverage amounts up to 40k
- Competitive rates
- Simplified Issue
- Charitable Giving Rider- optional rider to leave to the death benefit to charity of your choice
- offers immediate coverage to those with diabetes, diabetic neuropathy, COPD, atrial fibrillation (Afib), asthma, Home Health Care, hepatitis C and other common serious illnesses.
- Established in 1895
CICA Life – Immediate coverage for very serious health conditions
- Offers immediate coverage for those suffering from serious chronic conditions
such as: uncontrolled high blood pressure, uncontrolled diabetes, congestive heart failure (CHF), cardiomyopathy, end stage kidney disease, liver-disease, pacemaker/defibrillator implant, COPD, Paralysis,
Speak with an expert funeral Insurance Agent in NJ
You’ll benefit from their broad access to multiple carriers, tailored plans that consider all your final expenses, and expert advice that’s focused on your needs and budget.