Can I Buy Burial Insurance for My Parents?

Can I Buy Burial Insurance for My Parents?

Can I Buy Burial Insurance for My Parents?

Can I buy burial insurance for my parents? Of course!

Obtaining life insurance for your parents can be an emotional yet vital consideration. Purchasing burial insurance for your parent provides peace of mind and protects you from financial burden when they pass.

It ensures that the financial part of their final farewell, traditional burial, cremation costs or other funeral expenses, are respectfully considered, allowing you to focus on honoring their life and legacy.

Understanding The Different Types of Funeral and Burial Services

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

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

  1. includes a ceremony at a church or funeral home
  2. a procession
  3. a graveside service with a casket provided.

Full Service Cremation

Full service cremation offers all fundamental cremation procedures.

What it includes

  1. viewing or wake before the funeral,
  2. a service at a church or funeral home,
  3. a standard casket, with ashes returned to the family, unless an urn is bought separately.

Affordable Burial

Also known as Immediate or Direct Burial, this option involves burying the body without embalming, viewing, or services.

What it includes

  1. basic service fees
  2. transport of the body to the cemetery
  3. cost of a basic casket.

Direct Cremation

Direct cremation is a very direct service as the name entails

What it includes:

  1. the body’s removal at the time of death
  2. transport to the crematory
  3. the actual cremation, without any additional services.
  4. An alternative cremation container is used unless an urn is purchased.

National Average Cost of All Funeral Service Types

Service Type Low Cost High Cost Average Cost
Traditional Full Service Burial $4,850 $21,475 $8,555
Full Service Cremation $2,555 $19,300 $6,220
Affordable Burial $2,830 $11,800 $5,114
Direct Cremation $275 $9,800 $2,185

What Do I Look For in a Company When Buying Burial Insurance for My Parents?

Selecting a reputable insurance agency for funeral and burial coverage involves looking beyond just the coverage amount. It’s about finding an expert agent that can guide you through the process. You need someone who can shop around for the policy that suits you and your parents best. An expert agent knows which companies to go to and which ones to avoid. They understands the sensitivities involved in these discussions and offers policies that cater to your parents’ unique needs, particularly if they have health concerns or may have lingering medical bills.

The ideal agent will make sure your parent’s burial insurance entails:

  • Immediate Coverage
  • Permanent Coverage that does not expire
  • Set Rates
  • A Level Death Benefit
  • Simplified Issue, no need to require a medical exam
  • A reputable company who will pay the full death benefit

Who Are The Top Rated Funeral Insurance Companies?

Top Rated Insurance Company- SBLI

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

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.
Top Rated Insurance Company-American Amicable


  • 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
Top Rated Insurance Company-Royal Neighbors of America

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 diabetesdiabetic neuropathy, COPD, atrial fibrillation (Afib), asthma, Home Health Care, hepatitis C and other common serious illnesses.
  • Established in 1895
Top Rated Insurance Company- CICA LIFE

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,

How to Buy Burial Insurance for Your Parents: Contact an Agent

With an experienced agent, the process of buying life insurance for your parents isn’t complicated.

Get The Best Burial Insurance For Your Parents With No Waiting Period- Call 848-288-5968!