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"I was totally lost trying to find the right Burial Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
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"I lost hope trying to find a Burial Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Burial Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
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With PolicyHub getting started is easy. Compare all the Burial Insurance rates from all the providers in Des Moines, IA. Get started in under 15 minutes.
All your Burial Insurance needs in one place.
Burial insurance, also known as final expense insurance or funeral insurance, provides a financial safety net to cover end-of-life expenses. This can include funeral costs, burial services, cremation, or other outstanding debts left behind. Dealing with the passing of a loved one is difficult, both emotionally and financially. Burial insurance aims to ease this burden, allowing families to grieve without the additional stress of funeral and burial expenses.
The coverage of burial insurance policies can vary, but they generally provide a death benefit to the beneficiaries, typically ranging from $5,000 to $25,000. Unlike traditional life insurance policies, these funds can be used at the discretion of the beneficiary for any costs relating to the insured's passing. The application process for burial insurance does not usually require a medical examination, making it an accessible option for seniors or those with health issues who might struggle to qualify for other life insurance policies.
Investing in burial insurance offers peace of mind and financial security to you and your loved ones. Having a policy in place ensures that your final expenses will not create a financial burden for your family after your passing. The benefits of burial insurance extend beyond your lifetime, offering a compassionate and practical way to plan for the inevitable, and allowing your family to focus on remembering and honoring your life.
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Real PolicyHub testimonials...
"I knew I needed Burial Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Burial Insurance agent.
Roy Stephens
Burial Insurance agent
Roy Stephens is a Burial Insurance agent licensed in your state.
Mark Sidway
Burial Insurance agent
Mark Sidway is a Burial Insurance agent licensed in your state.
Cale Reeves
Burial Insurance agent
Cale Reeves is a Burial Insurance agent licensed in your state.
"I was searching for Burial Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price for Burial Insurance in Des Moines, IA.
Frequent Questions...
Burial life insurance in Des Moines, IA offers policyholders an easier way to cover burial costs, allowing them to pre-plan for end-of-life expenses. Unlike traditional life insurance, burial life insurance provides policyholders with an easier and more cost-effective way to cover burial and funeral costs. In Des Moines, burial life insurance is most commonly purchased in the form of a ‘Final Expense’ policy that provides a benefit for the beneficiary and allows the policy holder to be laid to rest with the dignity they deserve.
How do burial insurance quotes in Des Moines compare to prepaid funeral plans?
Burial insurance and prepaid funeral plans both provide important, albeit different, financial solutions for funeral costs in Des Moines, IA. Burial insurance gives individuals peace of mind as it relieves the burden of funeral expenses in the event of death, and premiums remain stable even as those costs increase with time. With burial insurance, the death benefit is paid directly to the beneficiary or the funeral director, so the individual and/or family need not worry about covering funeral expenses. Prepaid funeral plans, on the other hand, allow individuals to plan and pay for services and products in advance.
What expenses does a burial insurance policy Des Moines specifically cover?
Burial insurance in Des Moines, IA typically covers the cost of caskets, funeral carriages, burial plots, and additional burial attire. The policy may also cover the cost of any funeral services provided at a mortuary, such as the reading of prayers, embalming, and more. In addition, a burial insurance policy may pay to transport the remains of the deceased and assist with newspaper notices, obituaries, and even flowers. This way, the insured leaves behind a comfortable legacy for their loved ones in Des Moines.
Are premiums for burial insurance near Des Moines fixed or do they increase over time?
Premiums for burial insurance in the Des Moines, IA area generally remain fixed over time, though there are some policies that may increase in cost with age. For residents of Des Moines, it is best to look into different policies to see which offers the best coverage for the best price; however, many companies offer burial insurance policies with fixed premiums, so it shouldn't be difficult to find one that fits your specific needs.
Can I get a burial insurance quote Des Moines for my parents?
Yes, you can purchase burial insurance for your parents in Des Moines, IA. Several companies offer plans that provide benefits for death expenses to help families cover burial costs, estate taxes, and other related expenses. You can research several of the companies that serve Des Moines, such as BurialAssurance.com, LifeInsure.com, and AssuranceInsurances.com, to compare plans, prices, and coverage. It’s important to shop around and select a plan from a reliable company with competitive rates to make sure you are getting the best deal.
Comparing traditional life insurance with burial insurance in Des Moines, IA, monthly premiums for burial insurance are typically much less expensive than traditional life insurance. Burial insurance is a type of life insurance policy with coverage amounts of $2,000 to $25,000 and premiums are often guaranteed for life or for a set number of years. In contrast, traditional life insurance coverage amounts can be much higher than burial insurance and premiums may vary depending on certain factors such as age and health.
How quickly are benefits paid out from burial insurance policies near Des Moines?
Burial benefits for insured individuals passing away in Des Moines, IA are generally paid out within 24 to 48 hours of death. This is slightly faster than average, as most life insurance providers aim for a 2to 3-week turnaround. Our no medical exam policies are designed to expedite the payment of life insurance benefits with the assurance that claims are paid quickly and without hassle. This is why thousands of Des Moines residents choose burial insurance as a way to ensure their family is held secure even in the event of an unexpected death.
Does burial insurance in Des Moines have a waiting period?
Absolutely--some burial insurance policies in Des Moines, IA, do require a waiting period. Generally, coverage for accidental death begins on the date of application, but if death is due to any other cause, the policy may not provide benefits for a period of two years, starting on the date the policy goes into effect. Before signing up for a policy, you should always check with your provider to make sure you fully understand the policy's terms and conditions, including what kind of waiting period it has.
Can I buy additional riders or benefits for my Des Moines burial life insurance policy?
Yes, you can buy additional riders or benefits for you burial insurance in Des Moines, IA. Many insurance companies offer riders that can help cover funeral and other expenses like flowers and even a headstone that may not be covered by a normal burial insurance policy. Additionally, some policies may also allow for pre-need funeral arrangements to be covered as part of its benefits. It is important to understand the different benefits and riders available before making a decision, so it is best to contact an insurance agent in Des Moines for help in selecting the best policy that meets your needs.
Can I switch providers if I already picked my Des Moines burial insurance company?
In Des Moines, IA, you can switch providers or policies after purchasing burial insurance. Iowa insurance companies typically allow policyholders to switch insurance providers or policies, or to cancel their policy within 10 days after receiving notification of coverage. You should review the terms and conditions of your policy to ensure you are aware of any upfront fees and check for any restrictions prior to switching or canceling. Your new provider may have different coverage options available, so make sure you understand exactly what you are purchasing before you make the switch.
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