Burial insurance, or final expense coverage, is a policy that helps cover the costs of a person’s funeral and burial expenses.

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It is designed to provide a way for individuals to ensure that their end-of-life expenses will be covered without burdening their loved ones with financial costs.

The premiums for burial insurance policies are often more affordable than those for traditional life coverage options, and the application process is usually less stringent.

If you’ve decided that this financial resource is essential, it is important to review the best insurers offering this coverage. It is vital for those who want to avoid a waiting period clause.

What Is a Waiting Period for Burial Insurance?

A waiting period is typically included in burial insurance policies to prevent fraud and protect companies from individuals who might purchase a policy intending to file a claim shortly after. It is a specific period that must elapse before the full benefit becomes available.

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During the waiting period, the policyholder may only be eligible for a partial benefit or a refund of premiums paid.

Another reason for waiting periods is that they help insurance companies manage risk by allowing them to collect premiums from policyholders for a time before they are required to pay out benefits.

Waiting periods can vary depending on the insurance company and the specific policy but generally range from 24 to 36 months.

Insurers That Offer Burial Insurance with No Waiting Period

Several companies offer burial insurance with no waiting period, although the availability of such policies may depend on your location and other factors.

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If you’re shopping around for this option today, here are the insurers with the strongest reputation in this category. Some terms and conditions may apply to receive an instant policy, so please read those requirements carefully before proceeding.

Mutual of Omaha

This insurer offers a burial insurance policy with no waiting period, provided you are under 85 and meet specific health requirements.

Mutual of Omaha offers several different burial insurance policy options, with coverage amounts ranging from $2,000 to $40,000. That means you can choose the coverage amount that best meets your needs and budget.

The policies are typically affordable for most people, with fixed premiums for the policy’s life. That makes it easier to budget your insurance expenses over the long term.

This company has been in business for more than a century. It has a strong reputation for providing outstanding customer service while proving its financial stability. Those traits ensure you can have confidence in the investment you’re making.

AARP (with New York Life)

If you prefer to work with AARP for your burial insurance, you can secure a policy with this organization by partnering with New York Life. The premium quote you receive is fixed for the entirety of your coverage.

You must be an AARP member to qualify for this option. Applicants must be between the ages of 50 and 80 to receive consideration, but you’re guaranteed to obtain approval if you’re membership is active.

As an AARP member, you may be eligible for additional benefits and services, such as travel, entertainment, dining, and healthcare discounts. You also have opportunities to get involved in your local community and positively impact through volunteer work and advocacy with the association’s support.

AARP produces a variety of publications, including a monthly magazine, that provides information and insights on topics related to aging, health, finances, and more.

Globe Life

This insurer delivers a burial insurance policy with no waiting period for individuals between 0 and 85, provided they meet certain health requirements. It is a simplified application process that doesn’t require a medical exam.

Globe Life has been in business for over 65 years and has a strong reputation for providing consistent services and guaranteed outcomes. You can trust that this company will be there for your family when you need them.

When applying for instant burial insurance, you’ll discover that Globe Life offers several options, with coverage amounts ranging from $5,000 to $100,000.

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Gerber Life

Although this insurance company is better known for its Grow-Up Life Plan that parents purchase for their children, they also offer a guaranteed issue burial insurance policy with no waiting period.

Coverage options are limited to people between 50 and 80 when working with this insurance company. Several options are available, with coverage amounts ranging from $5,000 to $25,000.

Gerber Life offers several additional benefits with its policies, such as access to a free child identity protection kit, a guaranteed cash value feature, and a guaranteed renewable option.

Colonial Penn

This insurer offers guaranteed acceptance for burial insurance when pursuing a whole life policy. You won’t need to answer health questions or schedule a medical exam to qualify for this coverage.

The application process for a Colonial Penn policy is relatively simple and can be completed online or over the phone. That makes it easier and more convenient for someone who wants to avoid undergoing a more complicated underwriting process.

Premiums are based on factors like age and the benefit amount, so getting a quote is vital to determine the exact cost for an individual’s specific situation.

With over 60 years of experience, Colonial Penn is a well-known brand that can make securing insurance for your final expenses an affordable and positive experience.

Here’s a comparison table that helps make an informed decision about which insurer’s burial insurance policy to choose.

Insurer NameAge LimitHealth RequirementsCoverage AmountsA.M. Best RatingFounded
Mutual of OmahaUnder 85Meet specific health requirements$2,000 to $40,000A+1909
AARP50 to 80 yearsAARP membership required, guaranteed approval$2,500 to $25,000A++1958
Globe Life0 to 85 yearsMeet certain health requirements$5,000 to $100,000A+1900
Gerber Life50 to 80 yearsGuaranteed coverage regardless of health$5,000 to $25,000A1967
Colonial Penn50 to 85 yearsGuaranteed acceptance for whole life policy$1,000 to $50,000A1968
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When Does It Make Sense to Buy Burial Insurance?

Although burial insurance isn’t suitable for everyone, it does make sense to buy a policy if any of the following situations apply to your current circumstances.

  • Minimal Savings. If you don’t have enough savings to cover funeral expenses, burial insurance can help ensure your family isn’t burdened.
  • Remove Financial Burdens. Even if you have enough savings, your loved ones may be unable to access them immediately to pay for your funeral expenses. Having burial insurance can help alleviate this concern.
  • Health Issues. If you have medical problems that make it challenging to qualify for other types of life insurance, this coverage choice could be a good option.
  • Meet Your Final Wishes. When you have specific wishes for your funeral or end-of-life arrangements, having burial insurance can help ensure that these wishes are fulfilled.

If you don’t have burial insurance or enough savings to cover funeral expenses, your loved ones may be left with a debt they will have to pay off through your estate. With today’s best insurers offering comprehensive policies with numerous features to cover virtually any eventuality, you can help your family one last time by purchasing this policy type.

FAQ About Burial Insurance and Final Expenses

Here is a closer look at the common questions people have when applying for a funeral policy with no waiting period.

What Is Instant Burial Insurance?

Instant burial insurance is a type of policy that provides immediate coverage for funeral expenses. It is designed to help families cover the funeral and burial costs without worrying about the financial burden.

How Does Immediate Burial Insurance Work?

Final expense insurance without a waiting period works by providing a lump-sum payment to your designated beneficiary upon death. This payout can be used to cover funeral expenses, such as the service, burial, cremation, and other related costs.

What Are the Benefits of Instant Burial Insurance?

You receive the peace of mind that comes with knowing that your loved ones will be cared for after you’re gone. It can also help to alleviate the financial burden of funeral expenses, which can be significant.

Since the policy becomes active immediately, you don’t need to worry about a waiting period for your insurance.

Who Is Eligible for Burial Insurance with No Waiting Period?

Anyone can apply for instant burial insurance, regardless of age or health status. The quoted premiums are often higher for individuals with pre-existing health conditions. Age is another factor, with rates the highest for those in the 90+ demographic.

How Much Coverage Can I Receive with Burial Insurance?

Your instant burial insurance coverage varies depending on the provider and preferred policy. Most insurers offer choices ranging from $5,000 to $25,000, but some options reach $100,000.

Do I Need to Take a Medical Exam?

No, you don’t need to undergo a medical exam to qualify for instant burial insurance. However, some policies may require you to answer a few health-related questions.

Can I Change My Beneficiary on My Burial Insurance?

Most insurers allow you to change your beneficiary at any time by contacting an agent or broker to make the request. This option might be available online if you have specific identity verification documents that can be instantly verified when the company reviews your desire to update this information.

What Happens If I Cancel My Policy?

If you cancel your instant burial insurance policy, you could be entitled to a refund of the premiums you have paid. The amount of what you receive could be subject to specific charges.


Meet Mark Orourke, a seasoned funeral insurance expert with over 15 years of experience in the industry (Bachelor in Finance from SDSU, CA). With a passion for helping families prepare for the unexpected, Mark has dedicated his career to providing personalized funeral insurance solutions. Meeting the unique needs of each client is what Mark always prioritizes.