Burial Insurance With No Waiting Period

You may be wondering how long it takes for Burial Insurance to kick in. Or you could just simply be looking for the best burial insurance with no waiting period. 

Or does all Final Expense Burial Insurance have waiting periods? The answer to that is no. Not all programs have waiting periods regardless of what you may hear or see on television.

In fact, many programs start immediately as soon as the first payment is pushed through.

Burial insurance has increased in both need and popularity over the years. Because of this, more people apply for a policy, but some get told they have to go through a “waiting period”. 

Is a waiting period required for getting burial insurance? That is exactly what you will learn in this article. 

By the time you have reached the end, you will have a full understanding of what exactly a waiting period is, when it is necessary, and if you would have one. 

Check Burial Insurance Rates Here


What is a Waiting Period?

I go more in depth about what exactly a waiting period is in my article, “What Does a 2-Year Waiting Period Actually Mean?”

You can see to the detail what a waiting period actually means, but I will still cover it here. 

A waiting period is a time through the life of an insurance policy that the insured isn’t completely covered. 

For example, a person may get a $10,000 burial insurance policy but have to go through a 2 year waiting period. 

During the 2 years, if they were to pass away due to natural causes, the beneficiary would only receive a portion of the $10,000, or a return of all of the premium that has been paid thus far. They would not receive the full $10,000. 

Most people see this as a very bad thing, but if a policy that is structured this way is the only policy you can get, it is the best one for you! The easiest way to tell if it is right for you is to fill out your info on our “Check Burial Insurance Rates”  tab. This will give me the information I need to determine if you can get a policy that does not have a waiting period. 

Most of the time, my clients are able to get policies with the best carriers, and not have any kind of waiting period. Even with conditions like COPD, High Blood Pressure, Diabetes, or even stroke or heart attack history. 

What Causes Someone to Have a Waiting Period?

  • If someone has a waiting period, it means they are not of the best health. They have medical conditions that the insurance company sees as a larger risk than normal, so they put them in the Graded or Guaranteed Issue rate class. This means they will have a waiting period. 

The most common health issues that I see that fall under this category are:

  • COPD W/Oxygen
  • Diabetes W/Insulin and multiple medications
  • Recent Heart Attack/Stroke
  • Current Cancer
  • Cancer or major health issue within the last 3 years. 

If you have one of these conditions, it does not necessarily mean that you will have to have a waiting period for your burial insurance. As I mentioned before, it is best to get in touch with me on this site or directly to find out what rate class you fall under. 

Most of the time, I can get my clients day one coverage instead of a waiting period. 

Meaning I can have them a policy and covered today within about 15-20 minutes. That is one of the best perks of working with an independent broker like myself!

Does Every Burial Insurance Policy Have a Waiting Period?

Absolutely not!

In fact, less than 25% of the time do I write policies that have waiting periods. But as I mentioned before, if it is all you can get, it is the best policy you can have!

Those that don’t have a waiting period, are in what is called a “Level” Rate class. I have an article on this as well called “What is a Level Policy”. This goes over the ins and outs of burial insurance with NO waiting periods, and what that looks like. 

The saying “Something is better than nothing” definitely applies when it comes to burial insurance. I would rather see a family only have to come up with a few thousand dollars versus $10,000. 

This is a huge problem in this industry also. So many times I see new agents or even veteran agents who just don’t work hard enough for their clients. They hear one medical condition and make the decision to go with a Graded or GI policy. 

I can’t say how many times I have seen amazing clients have the worst policies at the worst price because their agent either wasn’t able to provide them a better deal, or just simply didn’t. 

It definitely gives the rest of us a hard time cleaning up those mistakes!

There are plans out there like the 995 plan by Colonial Penn that are considered “Guaranteed Acceptance”. These plans always have waiting periods. Like many plans you see from Colonial Penn, or Globe Life, they are simply not worth the money.

There are much better plans out there, and more importantly, there are plans that are better priced, and will pay your family when you pass. 

Check Burial Insurance Rates Here

How Can I get Burial Insurance With no Waiting Period?

The best thing to do is to work with a trusted and professional independent broker. You want one that specializes in this type of insurance, like me! 

I represent the best carriers in the country. This allows me to guarantee a couple things for my clients:

  1. You will be protected by an A rated carrier or better.
  2. Your family will never have to wonder if the carrier is going to pay them when you pass away.
  3. It will be the absolute best priced policy in the country. Nobody can beat the prices, and only a small few agents in the country can even match what I offer. 

The simplest thing for you to do is to fill out the “Check Burial Insurance Rates” form and even select your own price and policy that you want. Then let me do the rest! 

As I mentioned before, less than 25% of the time do my clients have to have a waiting period. Most of the time, if I just work a little harder, it is possible to find a deal that will give my clients day one coverage. 

So if you are a person that has COPD, Diabetes, High Blood Pressure, Bipolar/Schizophrenia, definitely fill out that form. There is a huge chance that you will get day one coverage and pay way less than you would have to with a waiting period. 

Every day I talk with people that have put off getting burial insurance because they think they will have to go through a waiting period. Most of the time, this is simply not the case. 

If you are someone who has a waiting period on your current policy, check with me! I bet I can find something better for you. If not, it won’t cost anything anyways so what is there to lose?

So if you are just worried about this, don’t be! It’s my job to get you the best policy possible for you and your  family. And I can assure you, I am very good at it. 

Best Burial Insurance Carriers with No Waiting Periods

The best burial policy, or any life insurance policy in general, is the one you can afford, and that fits your needs. 

That being said, there are some favorites I have when it comes to carriers offering my clients protection. I actually go over the best options for 2022 here

In my opinion, the best burial insurance carriers that don’t have a waiting period are:

Those are my top 4 carriers that I use. They have excellent rates, and more importantly, excellent ratings and standings so that you don’t have to worry about your beneficiary not receiving a check when that time comes. 

With these carriers, my clients typically never see a waiting period. Only my clients that have some serious health concerns or issues. When I am using these carriers, which is 90% of the time, my clients have coverage before they go to bed that same night. Pretty amazing right? 

Does it Cost to Find Out What I Qualify For?

Check Burial Insurance Rates Here

Not one dime! 

That is the best part of these policies! They require no upfront money whatsoever. You can even get approved, get your policy issued, and wait until next month to pay the first premium. 

Now if you do that, you won’t be covered until the first payment is received, but it really benefits my clients who are retired or on disability! 

You can even select what day of the month you want it to come out on. That way we can match the payment date to your SSI benefits or retirement check so that we are never at risk for your policy lapsing. 

You can even get a free quote with prices here on my site! Just fill out our “Check Burial Insurance Rates” form, or click the button just above this text, and you will get to see some of the top carriers that I represent, along with how much it will cost for the coverage amount of your choice!

You get to decide how much you need, not me or anyone else! 

As long as you can afford it, I can help! I personally will not write a policy for clients that tell me they can’t afford it. Simply because the best policy is the one that is still active and hasn’t lapsed!

If you can’t afford it, it will ultimately lapse and not be there when you need it the most. 

Luckily there are plenty of options out there, and I can find something that my clients can afford 98% of the time. 


Getting burial insurance is something that all of us need to consider. If I had my way about it, everyone would have at least some. That way our families wouldn’t suffer the consequences!

With that being said, if you have a policy already but are going through a waiting period, I encourage you to reach out to me either in the comments below or directly. Let me know how I can help you and let’s find out if we can get you a day one level policy for a much lower price. 

It will save you money, and put you and your loved ones in a much more secure place. 

As always, if you have any questions feel free to let me know in the comments below!

God Bless. 

Check Burial Insurance Rates Here