On average, a full-service burial costs $9,865 and cremation costs $5,225…
…or just a small fixed monthly payment.
|Opening and Closing||$500||$150|
You can start you planning with this Sample List of the Funeral Expenses that will help you adjust your ceremony to your budget, and find economic alternatives.
The new burial/cremation plans are non-medical, designed for seniors on a fixed income like social security, disability or a small pension.
The main features of the new burial/cremation plans are:
- Small fixed payments that fit in the budget
- Fixed benefit, guaranteed to stay in force until delivered
- Quick health assessment by phone or online
- Support from friendly licensed agents by phone
- Simple and safe application by phone
- Immediate approval while on the phone
- Full coverage starts on day 1 (most applications)
- Coverages from $3,000 to $40,000
- Expedited claims
You have many options. Let’s help you pick the best for your health and budget.
|Noreen Neves||Celso Neves|
|Field Underwriter||Field Underwriter|
How your health today affects your rates.
Along with your age, your health today affects how low your payments can be. Try to apply before any of the following:
- A new or worsening health condition
- Your doctor increases a dosage or prescribes a new medication
- Your doctor requests a medical exam
- Your doctor recommends a surgery
- You feel any of the symptoms of COVID-19
The average cost of funeral services
|Nondeclinable basic services fee||$1,751||$1,751|
|Removal/transfer of remains to funeral home||$279||$279|
|Other preparation of the body||$203|
|Use of facilities/staff for viewing||$339|
|Use of facilities/staff for funeral ceremony||$399||$399|
|Printed materials (basic memorial package)||$140||$140|
SeniorDefense.Org does not require subscription and is loaded with information that can help you plan and save $1,000s on your funeral:
- Shop for caskets and urns on Walmart
- Shop for caskets and urns on eBay
- Shop for caskets online – a complete list of retailers
- List of Cemeteries
- List of Crematoriums
- List of Funeral Homes
- List of Flower Shops
We Got It All Figured Out For You!
Our experienced licensed field underwriters can qualify you after a quick health assessment over the phone. We have consolidated all carriers together and created a simplified guideline that illustrates the best scenario of how your health condition may affect your rate class: your life insurance premium and the wait time for full-coverage.
|Health Condition||Rate Class|
|Cancer (more than 2 years)||Preferred|
|Cancer (less than 2 years)||Graded II|
|Cancer (active)||Guaranteed Acceptance|
|Congestive Heart Failure||Graded II|
|COPD Severe||Graded II|
|Defibrillator (more than 2 years)||Preferred|
|Defibrillator (less than 2 years)||Graded|
|Diabetes with no complications||Preferred|
|Diabetic Coma (more than 2 years)||Preferred|
|Diabetic Coma (less than 2 years)||Graded II|
|Diabetes (insulin before 25 years old)||Graded II|
|Diabetes (insulin after 25 years old)||Preferred|
|Drug or Alcohol Abuse (18 Months)||Preferred|
|Heart Attack (more than 2 years)||Preferred|
|Heart Attack (less than 2 years)||Graded|
|Hepatitis (not cured)||Graded|
|Hepatitis (cured more than 2 years)||Preferred|
|High Blood Pressure||Preferred|
|HIV or AIDS||Guaranteed Acceptance|
|Nicotine products (except for cigarettes)||Non-Smoking|
|Oxygen (24 hours)||Guaranteed Acceptance|
|Oxygen (less than 24 hours)||Graded|
|Pacemaker (more than 2 years)||Preferred|
|Pacemaker (less than 2 years)||Graded|
|Sleep Apnea (with oxygen or not)||Preferred|
|Stroke (more than 2 years)||Preferred|
|Stroke (less than 2 years)||Graded|
|TIA-Trans Ischemic Attack||Preferred|
For a more comprehensive list of health conditions please check How your health today affects your Funeral Insurance rates.
Burial Insurance has to be Guaranteed.
|Non-Medical||Payment is fixed||Benefit is fixed||Never expires|