Burial Insurance in Westwood, NJ

Who should consider purchasing burial life insurance Westwood?

Residents of Westwood, NJ who would like to make sure that their final expenses such as burial and funeral arrangements are taken care of should consider purchasing burial insurance. Burial insurance is a type of life insurance policy that provides a lump sum payment upon the policyholder's death and can help funds the costs of a funeral or other services that may be necessary in the event of death, resulting in greater peace of mind for the insured and their family.

Are there any penalties in burial insurance quotes in Westwood for missing a premium payment?

In Westwood, NJ, the specific penalties associated with missing a premium payment depend on the type of burial life insurance you have purchased-some insurers may have stricter rules and cut you off completely, while others may simply impose additional charges to your premium. In any case, make sure you understand the policy's rules beforehand, as disobeying them can prevent your beneficiaries from receiving the benefits they need. Depending on your insurer, being late with payments may also eventually result in the declining of your policy.

Are there age restrictions for purchasing a burial insurance policy Westwood?

Yes, there are age restrictions for purchasing burial life insurance. In Westwood, NJ, you must be over 18 years of age to qualify for coverage. The funeral home that you have chosen may have additional age restrictions, so you should consult them directly prior to purchase to ensure eligibility. Death benefits can be used to help families in Westwood, NJ cover funeral expenses, medical bills and other outstanding legal fees. It's important to note that while burial life insurance is available for people of all ages, only adults can be issued a policy.

Can I get burial insurance near Westwood with a pre-existing medical condition?

Yes, you can get burial insurance with a pre-existing medical condition in Westwood, NJ. Here at Westwood Financial Services, we understand that every client's circumstances are unique. Our experienced, knowledgeable agents can help you determine if you are eligible for burial insurance with a pre-existing medical condition. We also provide a selection of traditional coverage options to meet your needs, so you don't need to worry about being denied because of a health condition. No matter your financial situation, our team is dedicated to helping you secure the burial insurance policy tailor-made to fit your needs.

How long does it take for a burial insurance quote Westwood to be approved?

The length of time it takes for a burial life insurance policy to be approved in Westwood, NJ will depend on the provider. Generally speaking, most applications are processed and approved within one to two weeks; however, some providers may take up to a month in order to review certain information. Keep in mind that the length of time may also depend on the current volume of applications being processed. In order to expedite your policy approval, it is important to ensure that the application is completely accurate and all the necessary paperwork is provided promptly.

Will Westwood burial insurance companies let me cancel my policy?

If you are in Westwood, NJ and have purchased a burial insurance policy but changed your mind about needing coverage, you have the right to cancel. To cancel your policy you'll need to contact the insurance provider who issued your burial insurance policy, provide your policy details, and discuss the options available for cancelling your policy in Westwood, NJ. Depending on the provider, you may qualify for a refund of any premiums you’ve already paid. Additionally, you should also return any certificates of insurance to your provider when cancelling the policy.

How quickly are benefits paid out from burial insurance policies near Westwood?

At Westwood Insurance Agency in New Jersey, we understand that funeral arrangements, and the associated costs, can be demanding. Our burial insurance policies provide coverage that benefits are paid out quickly upon the death of the insured--usually all within 24 to 48 hours after we receive notice of death and verify that the policy is in place and up-to-date. We prioritize helping families through this difficult time by getting funds paid as soon as possible, with each policy covering up to $100,000 in coverage.

Does burial insurance in Westwood have a waiting period?

Yes, burial insurance policies typically have a waiting period, typically one to two years. Depending on the policy, the waiting period consists of the insurer reviewing the application and deciding whether to grant coverage, and may require medical tests of the applicant. It is also important to note that if the policyholder should pass away before the policy's waiting period has expired, the beneficiaries of the burial insurance policy may not receive any benefits.

Can I buy additional riders or benefits for my Westwood burial life insurance policy?

Yes, you can buy additional riders and benefits for your burial insurance policy if you are a resident of Westwood, New Jersey. At the Westwood Insurance Agency, we specialize in offering high-quality life and burial insurance coverage and riders. We understand that every family's needs are different; so, we offer a variety of choices and modifications to build you the perfect coverage for you and your family. With our added benefits and riders, you can customize your policy to meet your needs and those of your family.

Can I switch providers if I already picked my Westwood burial insurance company?

Yes, you can switch providers or policies after purchasing burial insurance in Westwood, NJ. However, you will need to find out if there are any policy transfer fees or cancellation fees associated with switching providers. Depending on the provider, you may be able to switch your policy without any fees or additional costs. It is important to contact your current provider if transferring and ask about any cancellation fees or transfer fees required to switch services. Be sure to get all the details in writing from your new provider prior to making the switch.