Spectrum Insurance Group

Burial Life Insurance

Burial life Insurance or final expense insurance provides permanent coverage, level premiums and accumulates cash value. Another feature of this insurance is that it tends to have small policies. Most are available from $5,000 to $25,000; thereby allowing each insured to tailor a policy to meet his or her needs. A death benefit is payable upon the insured's death.

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This form of life insurance protects your loved ones by providing for funeral and burial expenses. Many people plan a head to account for any final expenses. They make sure all money is provided in a burial insurance policy. If you have any outstanding debt of a sufficient amount you may want to consider purchasing extra coverage for your additional debts. If you pass away while money is still owed to credit card companies or lenders, your loved ones will assume your debt. Many people who still owe on their mortgage will purchase a cheap term life insurance policy.

Term policies are affordable but provide much higher death benefits. Where burial policies may max out at $25,000, term policies may be purchased for up to $10,000,000+.

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