3. Who can
receive the proceeds, or death benefits, of my policy?
Typically, you can choose your spouse, a relative, someone
with an insurable interest in you (for example a business
partner), your favorite charity, or even a friend.
4. If my health fails after I’m covered, can the company
cancel my policy?
Changes in your health cannot cancel your policy, but you
must always pay your premiums when due to keep your coverage
5. Do I pay more…or do I have less insurance, as I grow
With our Burial Life (Final Expense) plans, the Rates are
guaranteed to NEVER increase and the Benefits
are guaranteed to NEVER decrease, See our
Burial Life Page.
6. Do the benefits paid on my Burial Life (Final
Expense) policy have to be used only for burial costs?
No. The death benefit is paid to your designated beneficiary
and they can use the benefits for any purpose they deem
necessary. This is true of all our Life Policies.
7. If I have health issues can I still get a Burial Life
Yes. Our Representatives are fully trained to be able to
inform you and direct you to the best options available to
8. Is a “Guaranteed Issue” (or “Non-Medical”) policy the
only type of Burial Insurance available?
No. We have a wide range to products available for Burial
purposes. Most do not have any waiting periods, like
Guaranteed Issue does. Our most commonly purchased Burial
Policy has immediate, first day coverage with only a few
medical questions. No Medical Exam is needed to qualify.
9. Will Term Insurance meet the needs of Burial expenses?
No, in most cases. Since Term policies only cover you for a
certain number of years (usually 5 to 15 years) most people
outlive their Term policies and have no benefits when they
pass away. Our Burial Life policies cover you for your whole
life and are there when you need it the most. Visit our
Term Life Insurance
page for the practical uses of Term policies.
10. Why is a Burial plan usually more costly than Term
It’s very simple: A Burial plan covers you for your whole
life, cannot be cancelled if you pay your premiums, and will
pay your benefits 100% of the time; A Term plan covers only
for a period of time, after that period you have NO
insurance, and it will NOT pay any benefits after your term
period has ended. Most people outlive their Term
policies. You cannot outlive your Burial policy.
11. If my parent already has a Life Insurance policy can
I get more insurance?
Yes. In most cases an additional policy is acceptable.