The term “burial insurance” usually emphasizes funeral-related costs.

That can include burial, cremation, cemetery costs and funeral services.

“Final expense insurance” is a broader term.

It can include funeral and burial expenses, but the intended coverage may also help with other costs left behind, such as outstanding bills or other final expenses.

Don't assume that one is automatically better than the other.

Instead, look at the actual policy.

For example:

Suppose someone wants $15,000 of coverage to help with funeral expenses and other final bills.

One agent calls it burial insurance.

Another calls it final expense insurance.

Those names alone do not tell you which policy is different.

The important questions are:

How much does each policy cost?

When does the full benefit begin?

Are the premium and death benefit guaranteed?

What happens if payments stop?

That's the comparison that matters.

Don't get hung up on the label.

Tell the agent what you are trying to accomplish and how much coverage you want.

Then compare the actual policies.

Lifeguard Insurance Services helps seniors understand and compare final expense insurance options, so they can make an informed decision—not simply buy the first or the cheapest policy they're shown.

Want us to look at your situation and see what makes sense?

Call me, or request a quick Review.

Insurance products, availability, underwriting and policy terms vary by insurer, state and individual circumstances.