USA Life Insurance Services

Obtaining a burial insurance quote is certainly not the most pleasant experience for you or your loved ones, but it is vital to make sure that your or your loved ones’ final expenses are covered in the event of an unfortunate event.  When you are faced with this uncomfortable and difficult decision, there are a few things that are important to know. Coverage amount, deductibles, premium cost, and whether or not a medical exam is required are at the top of that list. Let’s take a quick look at some of the basics of funeral and burial insurance and how to go about properly comparing quotes. Getting the Best Quotes When Seeking a Burial Insurance Quote The best quotes are always the most straightforward. For this reason, you need to seek out a professional who can offer basic quotes. There is no need to exacerbate your stress level during a difficult situation by being bombarded with dozens of riders to a policy or other unnecessarily complicated procedures. The Difference Betwe...

In the United States, 29.6 million people under the age of 65 were underinsured in 2021. While many people have enough insurance coverage, insurance waiting periods may cause problems if you experience issues before your policy goes into effect.  Do you want to learn more about insurance waiting periods and what you need to know about them?  Keep reading this guide for all the information you need to know about the different kinds of insurance and their waiting periods.  What Is a Waiting Period?   What is the waiting period for your insurance policy? This is the amount of time between when you enroll in coverage and when your policy starts to come into effect. This waiting period can be anywhere from a few days to a year, depending on your policy. This can also be referred to as an elimination period or a qualifying period. It prevents you from making a claim before the waiting period is up.  If your policy has a long waiting period before your cove...

According to the National Funeral Directors Association, the average cost of a funeral was $7,848 in 2021 . Many people feel unprepared when planning a funeral, especially when it comes to the cost.  One thing you can do to save money on a funeral is to invest in funeral insurance. Do you want to learn how you can compare funeral insurance quotes to find the best policy for your needs?  Keep reading this guide for the top things you need to consider when comparing quotes for your funeral insurance.  Consider Types of Premiums One of the first things to do when comparing funeral insurance quotes is to consider different types of insurance premiums available for your policy. This will affect your overall cost, so make sure you understand what you are paying.  For example, you may be charged a stepped premium, which is calculated each year and can increase over time.  Leveled premiums are locked in for life, which means they will not increase as you exp...

Data from the 2022 Insurance Barometer Study shows that 106 million American adults lack life insurance or sufficient coverage. This leaves many American families financially insecure when the primary wage earner dies.  Guaranteed issue insurance is one way to close the need gap and give more access to life insurance benefits. Keep reading to learn about this type of insurance. We’ll review the pros and cons so you can decide if it’s the right life insurance coverage for you. What Is Guaranteed Issue Insurance? Guaranteed issue final expense life insurance is a type of whole life insurance policy that doesn’t require you to answer health questions or undergo a medical exam when applying. Additionally, the insurance provider can’t review your medical or prescription records.  The best selling point for this type of life insurance is that the insurance company cannot deny you. This makes guaranteed issue insurance convenient for many. It’s particularly suitable for th...

Death is difficult enough. But the cost of dying is now more than $19,000 , including the cost of burial and funeral services. Your loved ones may struggle to come up with the money to commemorate your life in the right way.  The best way you can provide for your loved ones is to get burial insurance. Yet you shouldn’t buy the first policy you see. You need to consider your options and get the facts about a few different policies.  What are the main types of burial insurance? How can you qualify for burial insurance? What should you get if you have pre-existing conditions?  Answer these questions and you can figure out how to choose burial insurance in no time. Here is your quick guide. Simplified Issue Simplified issue insurance is based on your medical history. Your insurer will ask you questions about your diet, history of smoking, and other factors. Based on how you answer the questions, they will offer you a plan.  Your insurer can deny you a policy if you...

About 54% of people in the United States today are covered by life insurance. It’s an important detail to shore up as you build your wealth, age, and take care of your family. There are several different types of life insurance that you need to understand as you shop around, such as supplemental life insurance.  To learn more about supplemental life insurance cost, benefits, and whether it’s the right decision for you, read on.  What Is Supplemental Life Insurance? Take the time to understand supplemental life insurance and what it entails. It’s a type of life insurance package that adds to the life insurance that you purchased privately or through your employer.  This life insurance comes into play when you realize that you’re underinsured, or that the plan you have doesn’t sufficiently cover your changing needs. This may include things like beefing up your coverage amount or adding burial insurance or final expense insurance coverage. Burial insurance f...