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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 Murraysville, NC. 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 Murraysville, NC.
Frequent Questions...
Burial life insurance in Murraysville, NC is designed specifically to cover the cost of a funeral and related expenses. Traditional life insurance policies may include an optional provision for funeral costs, but they are not the same. For example, burial policies are typically lower in value ($5,000 to $35,000) compared to traditional life insurance policies ($25,000 and above) and premiums are usually higher as well. Furthermore, burial policies are usually issued without the need for a physical exam, whereas traditional life insurance requires a medical exam.
Can I increase or decrease my coverage amount for burial insurance quotes in Murraysville after purchasing a policy?
Absolutely. In Murraysville, NC, you are allowed to modify your coverage amount in burial insurance after purchase. Policies typically include the ability to increase or decrease coverage via riders or endorsements. It's worth noting that decreasing coverage will have a corresponding reduction in premium costs, while increasing coverage may increase your premium payments. Speak with an insurance agent in Murraysville, NC, to learn more about the specifics of your policy and find out how to increase or decrease your coverage amount.
Are there age restrictions for purchasing a burial insurance policy Murraysville?
Yes, age restrictions are in place for those looking to purchase burial life insurance in Murraysville, NC. Generally speaking, individuals must be between the ages of 50 and 85 in order to be eligible. It is important to note that the age restrictions are in place in order to protect both the insurer and policyholder as burial life insurance typically operates without completing a medical exam or requiring a hospital stay after purchase. Please keep in mind these age limits may differ depending upon the provider you choose.
Can I get burial insurance near Murraysville with a pre-existing medical condition?
In Murraysville, North Carolina, many insurance providers offer burial insurance coverage to people with existing medical conditions. Whether you're asking about coverage you could receive for yourself or on behalf of someone else, there are options available. Different insurance companies have different eligibility requirements, so it's wise to shop around to find the one that best suits your needs. Generally, premiums tend to be higher with pre-existing conditions, but you can use our comparison tool to get an idea of what your cost could be. You may also check with your local Murraysville insurance brokers for potential discounts.
Can I get a burial insurance quote Murraysville for my parents?
Yes, you can purchase burial insurance for your parents in Murraysville, NC. There is a variety of life insurance products available through local insurance companies. Burial insurance, like other life insurance policies, will provide protection in the event of the death of the insured person. The policy proceeds can be used to pay for funeral expenses, end-of-life medical bills, and any other expenses associated with the burial of your parents. It is important to talk with your parents and an insurance professional to determine what type of policies and coverage are best suited for them.
Life insurance with burial coverage typically does not include a cash value component, which means the insured does not have the option to receive a cash value should they outlive the duration of the policy. Depending on the specific type of life insurance plan that is purchased in Murraysville, North Carolina, however, the policy may offer an accelerated death benefit rider. This rider allows the insured to use the proceeds of the life insurance policy prior to death, such as in the case of a terminal diagnosis, to cover the cost of their funeral, or to simply have access to some of the funds for living expenses.
Are benefits from burial insurance policies near Murraysville taxable?
It depends on your individual circumstances. Generally speaking, any death benefit proceeds as a result of a life insurance policy such as burial life insurance are not subject to taxation in the state of North Carolina, including in Murraysville. However, if the beneficiary of the life insurance proceeds is named as "estate," then taxes will need to be paid and federal and state tax returns will need to be filed. It's important to contact a tax attorney or professional in Murraysville to get more details about your individual case and ensure that taxes are filed correctly on any life insurance proceeds you receive.
What happens if I outlive my burial insurance in Murraysville?
If you live in Murraysville, NC and outlive your burial insurance coverage, then it is likely you will have to bear the financial burden of the funeral costs out-of-pocket. Thankfully, there are many affordable and reputable funeral homes and cremation providers in the area who can help you to plan a dignified funeral and memorial services without breaking the bank. Contact them for more information on how they can support you during this difficult time.
What are the typical exclusions in my Murraysville burial life insurance policy?
Burial life insurance policies in Murraysville, NC typically exclude coverage for charges or expenses for autopsy, cremation, or preparation of the deceased that are unrelated to the death. Death resulting from a suicide within the first two years of policy activation is also generally not included and pre-existing conditions may also be excluded. In addition, beneficiaries may not be paid for certain deaths caused by extreme sports, participating in a dangerous occupation, or risky behaviors. Most policies also have an age limit that could mean eligibility for coverage is denied if the insured is too young or old.
If I already have another policy, is it worth finding a new Murraysville burial insurance company?
If you already have life insurance in Murraysville, NC it is important to carefully evaluate if purchasing burial life insurance is a beneficial decision for you. Evaluating your financial goals and current life situation can help assess if another policy is required. Burial Life Insurance can be beneficial in that it helps cover costs associated with end of life expenses such as funeral, burial, and other costs associated with the disbursement of your estate. It can also provide peace of mind knowing that your remaining financial obligations are taken care of.
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