USA Life Insurance Services

Did you know that the average cost of a funeral is just under $10,000 ? Did you know that many people don’t have any money saved up for those costs? With so many insurance policies to think about, like home, auto, and health insurance, it can be easy to forget about other equally important types of insurance policies. Having a burial insurance policy can help make sure that your loved ones don’t have to sacrifice having a proper funeral when you pass.  But what exactly is burial insurance and how do you find the best burial insurance policy? Here is a quick guide on everything to know about burial insurance.  What Is Burial Insurance? Burial insurance is a type of insurance that will cover the cost of your funeral and any final arrangements you may have. This can include a casket, cremation, funeral arrangements, and funeral home services.  What many people don’t know is that burial insurance can also cover any outstanding debts you may have, like medical bills, leg...

Did you know that the average funeral costs $7,640 ? There is nothing harder in life than losing a loved one, but if you then have to spend a fortune on their funeral, then it can only make the experience that much more painful. Nothing will make losing a loved one easy, but there are ways that you can bring down the cost of the funeral that could help you to focus on grieving. Interested? Keep reading to discover how you can pay less than the average cost of a funeral. 1. Home Funeral One option to save money is to opt for a home funeral. This allows you to make big savings on the ceremony, plus many people it easier to grieve in their own home. Of course, this is an option that would require you to do a lot more, but for many, this could be helpful during such a difficult time. 2. Skip Embalming Embalming is not required by law and can cost around $700, but it is not essential. If you are having a one-day funeral, you should enquire about refrigeration as an alternative. This co...

Burial insurance is a kind of whole life insurance that covers final expenses in the event of death. While this may very well be one of the most important types of insurance that a person can purchase, many people are unsure about the process of obtaining this type of insurance. If you’re interested in finding out more about the process and what an insurance underwriter does, then you’ve come to the right place. We are here to help you understand exactly what an insurance underwriter does, and what to expect when considering an insurance policy to cover funeral expenses. Keep reading to learn everything you need to know about burial insurance underwriting. What Does an Insurance Underwriter Do In short, insurance underwriters assess risk. They consider many factors and they use those factors to determine the risk involved in issuing an insurance policy to an individual. In the case of burial insurance underwriting, the factors they consider have to do with a person’s age, health,...

Approximately 69% of American adults say they’d rather handle their own funeral planning activities than put the responsibility on their families. Yet, many of these individuals don’t take the time to make these plans. So, if you’re among those that value funeral pre-planning services and decide to plan yours, you might have a few questions. For example, you might wonder about the difference between burial insurance and pre-need funeral insurance. Are these products the same or different?  Here is a guide to help you learn what these are and their primary differences.  Basic Features of Burial Insurance Let’s start with burial insurance . Burial insurance is a product you purchase from a life insurance company. Some insurance companies call this final expense insurance or life insurance.  You can choose the amount of burial insurance you’d like your policy to offer, and you might want to base this on your funeral planning services. How much will your funeral cost?...

Many people find themselves planning funerals last minute as a result of tragic accidents. However, some people are put in a position where they know what to expect. When you anticipate an upcoming death in the family, you have the opportunity to plan for it .  Most burial costs include memorial services, transportation of the body, and finding a resting place. Cremation can save a bit of money, but many still prefer burial services. Unless you want to go broke, you should try investing in burial insurance.  Here’s why you need it and how to find the best funeral insurance. Investing in Burial Insurance Even though death is inevitable and rarely done on purpose, planning the resulting funeral is expensive for the people left behind. Often, the cost of dying results in low-income families falling behind on rent and taking on thousands of dollars of debt.  A funeral expense policy works to pay for your funeral and burial costs. It may also cover other end-of-life expe...