The Best Burial Insurance Plans in 2022 | Everything You Need To Know

Joseph Meyer
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Table of Contents

{1}. Why You Should Buy Burial Insurance
{2}. Burial Insurance Cost
{3}. What are Burial Insurance Benefits?
{4}. Grave Registration Documents
{5}. Calculating the Amount Required
{6}. Premium Payment Options
{7}. Burial Insurance Reviews

Top 10 Best Burial Insurance Companies This Year

As you get older, planning your own funeral can be intimidating. However, the proper funeral cover can take some of the pressure off your mind as it guarantees that you will be buried the way you’ve always dreamed to be.

Families or individuals with burial insurance are able to find solace knowing that the costs of a funeral service, burial or cremation will be covered should anything happen to them.

There are many benefits to the best burial insurance, including having peace of mind knowing that your family will not be burdened financially if you were to pass away.

The best burial insurance can take away the decision making from you and your family in the aftermath of your death, meaning that they won’t have to make a series of complex choices without you.

Here are some examples of what best funeral insurance—or a “burial plan” can cover:

  • Funeral and burial costs
  • The cost of storing your body or cremated remains for a set period of time
  • Funeral expenses such as coffin, cremation urn, markers, headstone or monument
  • The cost of getting the death certificate
  • Funeral director fees


It is great that you want to plan for your future. It is known that there are a lot of burial insurance plans in the market today. But many do not have the right coverage that you might want. You might go to the broader options that are available that include various health services.

Gerber life is one of the top burial plans that you can choose. It is able to help you get the best of what you want right now.

You may not know that this insurance plan has been around for a while. This is one of the plans that you can start with. It is known for its 100% success rate. Although this might sound like an exaggeration, it is the truth. You should see it as a great opportunity to get the benefits that you need.

According to the insurance agents, it always pays to have a burial insurance plan that is packed with all the essentials. This is what Gerber life is all about.

This is one of the best burial insurance plans that you can get and have right now.


An offshoot of US-based financial services powerhouse Prudential is one of the leading life insurance companies in the UK and has a good range of plans available.

The company is probably best known for offering funeral cover. This is often an overlooked part of a life insurance policy, whether packaged or individual.

Forester’s funeral cover includes a range of options that can reflect your individual needs.

Its cover includes help with the costs of a traditional funeral, including cremation or burial, plus conveyance of the deceased, urns and urn burial. It also provides an option for ceremonial costs like flowers, a church service and amenities such as limousines. To read more about funeral cover, check out our guide to how much would be paid if someone died.

American National


Burial insurance is popular among people who want to make sure their loved ones are taken care of even after they pass away. In this post, we cover burial insurance and explain why it makes sense for most people to carry this type of insurance.

We also review Assurity Life Insurance, which is a complete life, disability, and long term care insurance policy offered to eligible consumers. Along with burial insurance, Assurity Life Insurance covers benefits like optional medical, dental, vision, wellness programs, personal liability, loss of income, wedding costs, accidental death and dismemberment, and more. It is the premier life insurance carrier for seniors, and it makes sense for their policyholders to carry burial insurance, too.

There are a handful of companies that offer burial insurance. Many of these companies may be geared more toward young people and may not offer a lot of value for the type of person looking to buy burial insurance when they reach retirement age.

That’s where the insurance carrier Assurity Life Insurance comes in. Unlike other insurance companies, Assurity Life Insurance only offers insurance policies for seniors. This gives them a unique perspective on the types of burial insurance policies seniors are looking for. And it allows them to customize a burial insurance policy to meet those needs and the unique needs of older people.


Most Americans are comfortable with the idea of buying a life insurance policy because it makes sense. After all, you (or your loved one) is sure to require a significant amount of money after passing. Although this type of insurance is really important, not everyone is aware of the options available on the market. This can mislead you to think that life insurance is just one product and one size does not fit all. Well, in many cases this is true, but most of the time, sufficient attention is not paid to one of the most important aspects of the coverage … the Carrier!

A carrier is simply the company underwriting a life insurance policy. In the simplest and broadest terms, you can say that you cannot compare apples with bananas. As a matter of fact, with insurance, you cannot compare apples with apples too….at least not when comparing different carriers.


Sagicore Burial Insurance is a mutual company and is also part of the AXA Group. The company offers three different types of burial insurance plans.

Plans offers by Sagicore:

The burial plans are packaged differently, but each one comes with a burial slot at a cemetery and a funeral. These plans also offer in-house services to help with the funeral arrangements.

This is a fairly standard type of account. This account does not come with any financial backing; each person is responsible for paying the expenses out of pocket. The account holder chooses a provider, and the family then pays any mentioned deposits and the funeral with their own personal funds.

Mutual of Omaha

With over 85 million customers, Mutual of Omaha provides more services than most other insurance companies and has the best reputation for taking care of its customers. Unlike most auto insurance companies, Mutual of Omaha has a better track record for handling claims quickly and fairly. They’ve also got a great reputation for car insurance and home insurance.

Even though Mutual of Omaha has good reviews, their prices are not the cheapest. But if you have a good driving track record and you’re willing to pay a little extra for great service and a transparent claims process, it could be a good choice for you.

United Home Life

The United Home Life Insurance Company is an insurance company that specializes in providing burial insurance. With the help of this company, you could assure your family that they will be able to have a beautiful funeral for you. This will help you rest peacefully knowing that your family will always be able to hold on to the legacy you leave behind with the help of this company.

This company has been helping people in paying for burial expenses for more than a hundred years now. In fact, United Home Life Insurance first opened for business in 1892. This is twelve years after the first insurance deposit was made in the Philippines. With this, this company has served over a million families all over the country. In fact, many people have sought this company’s assistance in paying off burial costs.

The rates that this company charge are reasonable considering their services that they provide. In fact, this company is the top burial insurance company in the United States. This company has been helping people getting better rates for their existing burial insurance plans. In fact, if you decide to get burial insurance with the help of this company, you will no longer have to stick to the plan that you used to have. Instead, you can now consider a higher plan considering that you have already acquired the number of years that is required with the help of burial insurance.

Royal Neighbors

If you’re a woman and still in your 30s or 40s, the Royal Neighbors of America is a great burial insurance company.

It is operated by female agents with a 98-year history of servicing members, and it offers great coverage at a low premium. –

The Royal Neighbors member benefits include personal lines insurance and health, life, disability, long-term care and funeral policies. –

Royal Neighbors is the perfect choice if you’re looking for burial insurance plans that give you a little extra – you’ll appreciate the covered medical services, new perks, savings opportunities, membership rewards, discounts and more.


Vs. The World

Even though the funeral industry is one of the most competitive fields you can find, it’s still pretty dependent on the larger insurance companies if you want to get quotes for your funeral.

Thanks to the big companies setting the industry standards, it’s easy for people to get confused with the types of insurance policies available to them.

So in this article, we’ll go over the most commonly misused funeral insurance policies, you’ll get a complete review of the two major companies AIG and Nationwide and you’ll learn how to get the right insurance policy for your needs.

Why Buy a Funeral Insurance Plan?

Of all the aspects of planning a funeral, the money part is the most uncomfortable. No one wants to think about the last cost that they’ll ever pay. Unfortunately, that is why funeral insurance’s existence is justified.

While it’s unlikely that you’ll be able to make one-hundred percent of a funeral expense out of pocket, any help is better than none.

Many factors play into this decision, but the biggest ones are the number of years between you and your last paycheck and the overall cost of the funeral. If you are in need of help covering a funeral cost, this could be a viable option.

What Is Burial Insurance?

Burial insurance is a type of life insurance coverage that allows you to plan ahead for your final expenses and final resting place, so that your family isn’t left to bear them alone. Yet, many people don’t fully understand what burial insurance is, how it works in relation to traditional life insurance and burial protection services, and whether or not it is something they need to protect themselves and their families.

Burial insurance can cover the cost of the following:

  • Funeral expenses
  • Casket
  • Cemetery, crypt and/or vault burial
  • Mortuary or funeral home fees
  • Burial clothing
  • Medical examination fees
  • Embalming fees
  • Transportation to the cemetery and/or cremation
  • Grave marker
  • Flowers and obituary fees
  • Funeral announcement
  • Publication of death notice

Burial insurance is different from traditional life insurance in that it is more tailored to death benefits, unlike traditional life insurance, which tends to be more tailored to living benefits. Burial insurance also differs from funeral cost coverage that funeral directors and memorial societies may offer, as burial insurance is only purchased on a secondary basis … after a policy holder’s life insurance coverage has been maxed out.

Advantages of a Burial Life Insurance Plan

If your goal in life is to guarantee a worry-free existence for your family, or to leave a legacy that will be a source of comfort for your loved ones, you must ensure that you have the financial resources to accomplish these goals. And if you want to achieve them quickly, without having to compromise, you must have a significant life insurance plan to call your own.

Finding a Burial Insurance Plan

When it comes to planning for your future, one of the biggest areas that most people worry about is finances and planning for the unexpected.

Although this article will give you some great information on how to find the best burial insurance policies for you, the fact is, no amount of money will replace you, or someone you love.

Many people are looking for the best burial insurance that will provide financial assistance for their family when the unexpected happens.

Here are some of the best burial insurance plans to look at in 2019:

Permanent life insurance policies

There are several options to consider when permanent life insurance policies.

The first option is term insurance. Term insurance is a type of life insurance that you can pay for easily with monthly payments.

Your monthly payments do not change over the course of the life of the policy, and you have the choice of selecting how long you would like to pay for- generally from 5 to 60 years.

A whole life insurance policy is another option.

The most crucial difference between term and whole life insurance is that in a whole life policy, the monthly premium never changes over the life of the policy.

You can also get additional coverage later in your lifetime with a whole life policy.

Another popular option is universal life insurance.

How Much Does it Cost?

The short answer to the how much does it cost question is that a good burial insurance plan does not have to break the bank in 2022. While some providers do offer very competitive rates, make sure to shop around for a reputable provider.

You will most likely have different choices based on where you live. This is because most burial insurance providers are based in a certain region.

Should I Consider a Burial Policy?

A burial insurance policy can have a lot of advantages. The chief benefit is that it’ll make certain that your final arrangements are taken care of, so you don’t have to worry and can focus on other things (the grieving process, for instance).

You would think that if something happened to you, most of your loved ones would be there to support your family in the months and years to come. But in reality, this isn’t always the case.

For example, if you are the sole breadwinner for your family, the loss of your income can have a significant impact on everyone involved.

If you die without a plan in place, it may be difficult for your family members to keep their finances on track, which is why it’s so crucial to have a solid plan in place before anything happens.

You don’t have to look far for evidence of this. After the death of a loved one, most families will go through some very difficult financial times.

But if you do have a burial policy in place, the financial burden becomes much less daunting.

Bottom Line

If your answers were more towards yes, then you should definitely consider getting yourself a burial insurance.

To be clear, the key objective of a burial insurance is to cover the costs of burial or cremation, hence it has a big savings component. They also have clear cut limits on what they cover. You will get a pretty good idea after reading the first few pages, but it goes without saying that burial insurance is not a substitute for any of your life insurance needs, including those associated with funeral costs.

So how do they work? Unfortunately, finding out requires you to read through the policy word by word. Don’t worry, funeral planning isn’t that complex. At the end of the day, the most important thing is to have a plan in place rather than having none at all.

About the Author

My name is Richard Barber. I’ve been writing articles since 2007, and I mainly focus on financial topics and online business.

My objective is to help you develop financial expertise for the future. The content and information found in my articles are simply my opinion. I’m often asked what my qualifications are. Therefore, I’ve provided as much proof of my knowledge as possible so you can see for yourself that I’m an expert.

I have a B.S. in Finance from the University of Nebraska at Omaha. I also have the Chartered Financial Analyst (CFA) designation from the CFA Institute. I have the Professional Risk Manager (PRM) designation from the Society of Actuaries, as well as the ChFC designation from the American College.

I’ve also achieved the Certified Financial Planner (CFP) designation from the Certified Financial Planner Board of Standards. I am a CFP professional, which means I have the knowledge and necessary experience to help you plan for your financial future. I am an expert in the field of insurance, which means I can help you find the best life insurance policy to suit your needs. I’m also a member of the Insurance Networking Association. I belong to several online groups that provide financial education to consumers.

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