The Truth About Getting Burial Insurance for Your Parents

Are you the child of a parent who is needing burial insurance and just hasn’t got it yet?

You love your parents, but know that one day they will pass, and you want to be prepared financially for that day.

Maybe your mom or dad just doesn’t want you to worry with it, so they don’t talk about it and keep putting it off? This article is for you.

I will be going through the ins and outs of getting burial insurance, specifically for your parents. All of your questions will be answered, so let’s get started.

Table of Contents

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Why Burial Insurance?

Burial insurance has become a necessity in today’s world. With rising costs and inflation, the cost of living is through the roof. What people forget is that the cost of dying is also through the roof. Or through the grave, whichever way you want to put it.

It is the cost that nobody thinks about, until they are forced to. Time and time again families are having to go to places like GoFundMe or do yard sales just to scoop enough money together to give somewhat of a burial.

The good news is you don’t have to do that anymore. There are burial insurance programs that will pay 100% of the cost of the funeral/cremation. That is exactly what we specialize in at

I actually have written an article on this exact topic of why you need burial insurance. You can check that out by clicking here

How Much does a Funeral Cost?

The average cost of a funeral these days is around $8,000 to $12,000. That can be higher or lower depending on your part of the country, so if you are curious about your specific costs, just leave a comment or shoot us an email.

Now I don’t know about you, but I know I don’t have an extra $10,000 laying around to pay for a funeral of my parents or loved one. Most people are in the same boat! In fact, if you are reading this article I’d bet that you are in it with me! That’s totally fine.

We don’t think of funerals costing that much, especially when we are trying to grieve the loss of a loved one. That is exactly why we use these burial insurance programs. That way the family can grieve, and the insurance company can pay them what they need to give their loved ones a proper burial.

Not just the cheapest thing they can get.

To give you a better idea of what you should be looking for as far as how much coverage to get, I wrote an in depth article that you can access by clicking here. This will give you an idea of what you should be looking for, and an idea for what kind of policy you should check when you get your quote from me!

Can I get Burial Insurance for my Parents?

The answer is yes. You absolutely can get insurance for your parents, grandparents, aunts, uncles, almost anyone honestly.

It is so unfortunate when I hear people tell me they wish they would’ve known that they could get burial insurance for their mom or dad, but they just didn’t know. So the alternative was they had to either settle for a less than proper burial, or they had to raise the money somehow.

You do not have to do either of those things. You can absolutely get your parent or loved one burial insurance, so that you are not stuck with a fat bill from the funeral home.

How can I get Burial Insurance for my Parent?

This process is super easy. The first thing to do is to get in touch with a trusted broker that specializes in burial insurance. Luckily, if you are reading this article, you are already here! I have specialized in burial insurance for most of my career. I know the ins and outs of the programs, and I can find the best one for your situation.

You want to work with a broker that works with the best carriers with strong financial ratings. Luckily for you, at I do exactly that. You can actually check out my thoughts on the absolute best carriers for seniors in 2022. I put a lot of thought into this article, as I feel it will be one of the most important ones for you to read. 

The next thing is to have your parent’s health information readily available. Now I do not mean you have to have every medical record that exists on them, but you need to know their prescriptions, why they are taking them, and a rough height and weight for them. Of course, you need their birthday as well. Having this information will allow us to find the best price and program for you. If we don’t have this information, you could potentially pay way more money than necessary to get them covered.

And lastly, you need to let them know about what you are doing. They must know that you are getting burial coverage for them, and in some cases, they may have to answer a few health questions themselves. Most importantly, they have to sign on the application. This sometimes creates an issue, especially with independent parents who don’t want their children paying or worrying about things like this, but it simply has to be done.

Once these 3 things are complete, we will simply apply for the coverage. The company gives us a yes or no, and we go from there. Being an independent broker myself, getting told no is not the end of the road. I have so many different companies to choose from, so we simply move on to the next one.

How much can I get?

That’s a fantastic question, and the answer is however much you want.

Now there are suggestions that I always make for my clients, and I even wrote about that in the “How Much Burial Insurance Do I Need” article. There is no one size fits all when it comes to burial insurance, so take a look at what you may need to consider!

Typically, these burial programs range from $1,000 to $40,000 in coverage, but the best part is there are no limitations or rules to how many policies you can have!

So if you had siblings, one of you could cover mom for $40,000 and you can get a policy for mom as well for the same amount!

That’s what is so great about these programs.

You get to decide how much you want to cover your loved ones for. Nobody can dictate that.

What Happens to the Money When I Need it?

Very simple. Whatever you want.

That’s another great part of these burial insurance programs. The company doesn’t decide what to do with the money, you do. Or whoever the beneficiary is. Typically I see kids being the beneficiary on the parent’s policies, so in that case it would probably be you.

With some funeral homes, they will offer you a burial policy, but there is typically a catch. The catch is that they are the primary beneficiary. This means that upon the death of YOUR loved one, the funeral home will receive all of the money, and not you. How messed up is that?

With the programs that offers, the beneficiary decides what to do with the money, not some stranger who is reaping all the benefit.


To wrap up this article, the most important thing to know about getting burial insurance for your parents is that yes, you can get them covered.

The first step is to just ask a trusted broker who specializes in these programs to see what would be best for you.

Feel free to email me or comment on this post to ask me any questions you may have! It is my greatest honor to help families, and yes I would love to help you get your parents covered and put you in a more secure financial decision as well.

As always, let me know what you think of this article. I would love to answer any questions you have, and I look forward to serving you and your family.

God Bless.

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