Burial insurance is a small whole life policy for funeral, burial, and end-of-life costs, usually offering $1K to $25K that beneficiaries can use freely.
Most policies are available to people 45 and older without a medical exam, usually through simplified issue or guaranteed issue coverage options.
Simplified issue asks health questions and can deny serious conditions; guaranteed issue skips questions, usually costs more, and often includes a 2-yr waiting period.
Because life insurance proceeds usually avoid probate, burial coverage may deliver money faster for funeral bills and other immediate family needs after death.
Burial insurance fits small coverage needs or no-exam access; healthier people may find term life cheaper, and pre-need plans can cover funeral arrangements directly.
