Burial insurance covers the gap. Up to $35,000. No medical exam, just a few health questions.
Most funeral homes ask to be paid up front, before the service.
Social Security's one-time death payment has been $255 since 1954, about 3% of the median funeral. The rest falls on your family unless you have coverage. This site is not affiliated with the Social Security Administration or any government agency.
There are two very different kinds of plans. The wrong one costs more every month and makes your family wait 2 years for the full payout.
You answer a few health questions, no exam. If you qualify, you're covered for the full amount from your very first day, usually at a lower price.
These are the "guaranteed acceptance" plans you see on TV. No health questions, nobody turned down, but they cost more. And if you pass away from natural causes in the first 2 years, your family gets back only what you paid in, plus interest. Not the full amount.
Here's what the TV ads don't tell you: take blood-pressure pills? Have diabetes? Heart trouble years ago? You may still qualify for full day-one coverage. Most people assume they can't, so they overpay for a plan that makes their family wait. A licensed agent can check which one you qualify for in minutes.
No forms to mail back, no appointments, no medical exam. Just a few health questions by phone.
Answer a few quick questions, about 60 seconds. No obligation.
They'll compare plans from one or more insurance companies in your state and give you your exact monthly price.
If you like what you hear, you can enroll right on that call. Once your policy is issued, your rate can never go up.**
The goal is simple: when the day comes, your family shows up, grieves, remembers the good times, and gets a check, not a bill.
The money goes straight to the person you choose. Many funeral homes can even be paid directly by the insurance company. Your family pays nothing out of pocket.†
These plans are built for ages 50–75. Common conditions like diabetes, high blood pressure, and past heart issues often still qualify for day-one coverage.
Plans start around $1.53/day.* You choose the coverage amount that fits your budget, from $2,000 up to $35,000, and the price never changes.**
This is whole life insurance: as long as premiums are paid, coverage lasts for life. It can't be dropped because you get older or your health changes.**
The things most ads hope you won't ask.
Answer a few quick questions, and a licensed agent will call with your exact monthly price. No obligation, no pressure.