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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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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 Johnston, IA.
Frequent Questions...
Burial insurance, also commonly referred to as Final Expense insurance, is a type of life insurance policy offered to residents of Johnston, IA, that helps protect their family financially from the expenses that accompany organizing and paying for a funeral service. Such a policy ensures that one's family can manage these costs upon their passing without being burdened with the associated debt. Burial insurance premiums are typically fixed, and remain the same over the life of the policy.
Are there any penalties in burial insurance quotes in Johnston for missing a premium payment?
Yes, there are penalties for missing a premium payment on a burial life insurance plan in Johnston, IA. If a policyholder fails to make a payment, the policy may lapse and the policyholder may face punitive fees and/or the initial coverage may be forfeited. Additionally, there could be potential tax consequences if there are large gains associated with the policy. To avoid any penalties, it is important to keep up-to-date on premium payments or contact your insurance provider in Johnston, IA to discuss payment options if there is difficulty meeting a premium deadline or payment.
Are there age restrictions for purchasing a burial insurance policy Johnston?
In Johnston, Iowa, age restrictions for purchasing burial life insurance vary by provider. Generally, you must be between the ages of 18 and 85 at the time of application to be eligible for a burial life insurance policy. However, please keep in mind that while some providers have flexible age requirements, most do not insure applicants over the age of 75. Once you apply, the insurer may also require medical exams, so it's important to consider these elements and your age when applying for a burial life insurance policy.
Can I get burial insurance near Johnston with a pre-existing medical condition?
In Johnston, IA, it is entirely possible to get burial insurance with a pre-existing medical condition. In fact, many plans provide coverage even if you have a medical history. When you are searching for a plan that will meet your needs, make sure to read the fine print and ask the insurer any questions you may have, as certain plans may not offer the same coverage for pre-existing conditions. Additionally, you should look for options that can be tailored to your specific situation. Ultimately, you should be able to find an insurance policy that effectively covers you and your pre-existing medical condition.
Is a medical exam required when applying for a burial insurance quote Johnston?
In Johnston, IA, medical exams are not typically required when applying for burial life insurance. However, applicants may be asked to provide information about medical conditions or other relevant health information for the insurance company to consider when offering coverage. Depending on the policy and the applicant's answers, the insurer may require additional medical tests or forms before issuing coverage. It's important to be honest and provide accurate information when filling out the application so that the insurer can determine the best coverage for you and your family.
In Johnston, IA, burial insurance premiums typically tend to be lower than traditional life insurance premiums as they are designed to cover more specific costs. Burial policies range from $3-50 per month, while traditional life insurance policies range from $25-100 per month. However, it is important to factor in burial insurance coverage amounts which tend to be much less than typical life insurance policies. Coverage benefits can range from $3,000-50,000 and are primarily used to cover the cost of funeral expenses and burial services.
Are benefits from burial insurance policies near Johnston taxable?
In Johnston, Iowa, any benefits or proceeds received from burial life insurance are neither taxable to the policyholder nor to the beneficiary. The policyholder is responsible for paying all premiums during the period of the policy, and the beneficiary will receive all proceeds without deduction in accordance with the payout terms of the policy. It should be noted that the warranty or guarantee from the insurer of such life insurance may be subject to local taxes or other tax laws, so it is important to consult with a qualified tax professional or estate planning attorney prior to filing taxes each year.
Does burial insurance in Johnston have a waiting period?
Yes, most burial insurance policies have a waiting period, and in Johnston, IA, burial insurance policies usually have a waiting period of two years. During this waiting period, if the insured individual passes away their beneficiaries will not receive the full death benefit amount. Since most policies are designed to cover funeral expenses, this waiting period protects the insurance company from the risk of having to pay out large death benefits in the event of an immediate death.
What are the typical exclusions in my Johnston burial life insurance policy?
Burial life insurance policies typically exclude suicide or death due to a pre-existing medical condition. In Johnston, Iowa, there may be additional exclusions for seniors depending on the policy. For example, some carriers may not cover those in the 80+ age bracket. It may also be possible that some policies exclude coverage if the death is caused by war or a particularly dangerous activity such as skydiving. Furthermore, depending on the insurance company, the policy may contain an exclusion period following the policy's purchase i.e.
How are the premiums with my Johnston burial insurance company determined?
The premiums for burial insurance in Johnston, IA, are determined based on factors such as the gender, age, and health status of the person purchasing the policy. Other variables, such as the individual's occupation and lifestyle, can also play a role in determining the premium amount. Also, the type of burial insurance policy chosen can affect the ultimate cost. An agent in Johnston who specializes in burial insurance policies can help you understand all of these factors and identify the best policy for your needs.
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