Burial Insurance
New Jersey

Protect your family from the burden of an expensive funeral. Talk to our burial insurance specialists to learn more about your options.

What is Burial Insurance and Funeral Insurance?

This is like a typical life insurance policy but with a lower death benefit of up to $20,000. People who are aged 50 and older are the ones who buy this type of policy. Having burial insurance allows your loved ones to grieve rather than deal with funeral expenses.

It usually doesn’t require a medical exam at all, which means you can easily apply and get approved. Applicants are only asked about age, smoking history, and other health-related questions. Even a 50-year-old male with poor health can apply and qualify for a burial insurance policy.

Expenses covered by Funeral Insurance can be used for following;

Pay for the casket

Installation of the Headstone

Deceased’s medical bills

Outstanding loans, and debts

Pros and Cons of Burial Insurance

Like any other type of insurance, burial insurance can yield benefits and drawbacks. We’ve listed down the pros and cons of purchasing a final expense policy.



Choosing the Best Burial Insurance Plan for You

You should treat burial insurance like an investment. Choosing the right plan is crucial if you want to get your money’s worth. Before you talk to an agent, do a little research and shop around for quotes. At NJ Burial Insurance, we want nothing but the best for our clients. Here are the questions you should ask when purchasing burial insurance:

Burial Insurance With No Waiting Period or Medical Exam

When your policy has no waiting period, it means 100% of the death benefit is awarded from the very first day. You can get immediate coverage as soon as the first payment is made. The key to getting a final expense policy with no waiting period is to work with a trusted company like NJ Burial Insurance.

Unlike traditional insurance policies, burial insurance doesn’t require a medical exam. The coverage issued is based on your answers to a few health-related questions. Unless you have a serious health condition, you will likely qualify for a policy. That’s why final expense insurance is easier to qualify for than other types of insurance. Make sure your family isn’t burdened with funeral costs by getting final expense coverage.

Burial Insurance Quotes and Buying Online

Don’t always go for the cheapest option. Sometimes, the cheapest insurance plan isn’t the best deal. To prevent paying more than you should, compare online quotes from different insurance companies.

Insurance premiums can vary widely depending on several factors. That’s why it is a common practice to shop around for multiple quotes. Whether you conduct research on your own or hire an agent, it’s always better to choose the best plan for you. Most insurance companies offer free quotes on their website. By just answering a form, you can get a burial insurance quote quickly and easily.

Planning for a Funeral

Four Steps To Get Your Insurance


Choose the Type of Funeral Service

Most of the funeral practices we know today are influenced by religious and cultural traditions. The common types of funeral services are cremation and traditional burial.


Organize a Memorial Service

Holding a memorial service is a way to honor the passing of a loved one. If you opt for a pre-planned funeral, consider this ceremony wherein your family can grieve and mourn the loss.


Reach Out to Funeral Homes

When planning for a funeral, take the time to research different funeral homes. Get multiple quotes over the phone or in person. This will give you an idea of the average burial costs in your area.


Talk to Your Loved Ones

If you have end-of-life wishes, you may discuss them with your family. Tell them what sort of funeral should be carried out when the time comes. Planning your funeral will help ease the stress on your loved ones.

Burial Insurance Policies for Families

In a bundle or family plan, you don’t need to pay separate premiums for each family member. This isn’t the case for burial insurance because the insurance coverage is extended to one person alone.

It’s very rare to find a burial insurance plan that covers all your family members. There aren’t family plans for burial insurance because policies are determined by age and sex. If you are looking for a final expense plan for your entire family, call different insurance companies to see what options are available.

Burial Insurance

Burial insurance is a specific type of life insurance that covers funeral costs after the insured’s death. It features a smaller death benefit for funeral and burial expenses only. The amount of coverage ranges from $5,000 to $20,000 only. Any remaining funds from the cash payout may be used for mortgages and loans.

Life Insurance

On the other hand, traditional life insurance is much broader. Your beneficiaries can use the death benefit for different purposes. It can cover mortgage payments, income losses, and even outstanding debts. The average life insurance payout is around $600,000. Depending on the policy terms, the cash payout may be claimed by the beneficiaries within 30 days of the insured’s death.

Get a Free Burial Insurance Consultation and Quote

Choosing a burial insurance policy can be challenging. Give us a call to receive a free quote from our trusted agents.

Burial Insurance for Seniors

Seniors from age 50 to 85 are eligible for a burial insurance policy. If you are over 85, the insurance company may still approve your application, but you should expect a very high premium. Most insurance companies rarely deny an application, which means acceptance is guaranteed. If you’re nearing 50, it is advisable to look into your options for a burial insurance plan.

If you want to get the best deal, compare burial policies for the elderly. Getting a customized quote from two or three insurance providers will allow you to find the best match. You can also work with an experienced insurance agent who will do the research for you. They can compare policies, provide insights, and recommend the best coverage to suit your needs.

Like most insurance policies, burial plans get more expensive the older you are. This is why it’s a good idea to get one as early as possible. The younger you are, the cheaper your premiums will be.

Here’s a list of burial insurance rates for seniors based on age

Over 60

$18 to $88

Over 65

$22 to $93

Over 70

$28 to $116

Over 75

$38 to $162

Over 80

$51 to $268

Over 85

$300 or more

Burial Insurance Costs and Premiums

An insurance premium is the amount of money you pay for an insurance policy. When you pay your premiums consistently, this will keep your policy active. Failure to pay your premiums will result in termination or cancellation of your coverage.

For burial insurance, the average cost of premiums is around $15 to $100 per month. Insurance premiums can be paid monthly, quarterly, or yearly—whichever is most convenient for you. In general, premiums are based on the insured’s age, sex, coverage amount, and other factors. Keep in mind that premiums can be higher or lower depending on your specific policy.

Burial Insurance FAQs

How much does the average person spend on a funeral?

The average funeral costs anywhere between $5,000 and $20,000. This includes casket or urn, viewing and burial, service fees, cremation fee, hearse or transporting of the remains, embalming, and other funeral-related prep.

When budgeting for a funeral, it’s important to add a budget buffer. Keep in mind that average funeral costs do not include things like a burial plot, monument, grave marker, flowers, catering, and transportation for guests. Consider reaching out to a burial insurance agent for guidance and advice. They will help you get started on end-of-life planning.

What does burial insurance cover mean, and do I need it?

Burial insurance is synonymous with the final expense and funeral insurance. This is a whole life policy intended to cover your death-related expenses. The cash benefits will go directly to the person named as the beneficiary. Once the beneficiary receives the cash payout, they can use it for end-of-life expenses.

Aside from burial costs and memorial service, any leftover funds can settle the insured’s outstanding loans and unpaid medical bills. The beneficiary gets to decide how the money is spent.

If you weren’t able to get a traditional insurance policy due to health problems, funeral insurance might come in handy. There’s no need to take a medical exam. Basically, anyone can qualify by only answering a few health-related questions on the insurance application. People in poor health are allowed to get burial insurance.

In most cases, burial insurance is offered to people who are at least 50 years old. For people reaching retirement age, burial insurance can offer many advantages. Your beneficiaries can get an immediate payout after your passing. With burial insurance, it’s a lot easier and faster to submit an insurance claim than traditional policies.

To begin the claims process, the chosen beneficiary should contact the insurance company following the death of the insured. The beneficiary’s identification, filled-out claims form, and a copy of the death certificate might be required upon claiming. Consult with a professional agent to discuss how long it will take for your loved ones to receive the death benefit.

How much burial insurance coverage do I really need?

Whether you want a funeral with burial or cremation, the average funeral cost ranges from $5,000 to $20,000. Regardless of gender, a policyholder will likely get a death benefit of $10,000. This amount is enough to cover final expenses.

The exact burial insurance coverage you need entirely depends on the type of funeral service you want. We recommend that you estimate your funeral expenses and take inflation into account. Although burial insurance offers a small benefit amount, the policy can relieve your family of financial burdens.

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