Simple Burial Insurance

  No Exam & No Waiting Period


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Burial insurance is just like other life insurance in that the carrier is trying to make a profit by taking on a risk in exchange for payment.  The carriers appetites for certain health risks like COPD, cancer, and insulin dependent diabetes  are represented by their willingness  or unwillingness to make an offer and the cost of the offer.

Final expense insurance  is different from the term commercials you see on television that are geared for healthy 35 year old people. It is more expensive and it is for older  people - often with serious health conditions. That being said, if you are in decent health, rates can be very affordable. 

Now if you have COPD  or are an insulin dependent diabetic, you don't need an insurance website to tell you it's a serious condition. The life insurance companies take it seriously also. In fact there are only a few carriers  that will grant first day coverage with no waiting period to folks with either insulin dependent diabetes or COPD.  

See, many carriers will consider diabetes or COPD as a "graded" condition. Graded policies pay a partial benefit during the first two years of the policy. Most graded options pay out 25-40% of the death benefit if you pass away during the first year. The second year of the policy will pay out 60-70% of the death benefit. After 2 years the full benefit will pay out.

So called "final expense" policies are no exam whole life policies that are generally  very  forgiving when it comes to qualifying  guidelines.   Being that they are whole life policies, you can be assured that :

  • The Rates Will Never Go Up.
  • The Benefit Will Never Go Down
  • The Policy Will Not Expire.
  • No Exam Is Ever Needed Goes Through The application questions As part of Your Burial Insurance Quote

Unlike nearly all other brokers who give a meaningless quote prior to asking you any questions, just so they can get your email and phone number, we run through the actual application questions as part of the quote path. We do it this way so you know what type of policy you will qualify for. Then,  the quote tool can help you to decide the amount of coverage and payment you are comfortable with.

It is only after you found out what you qualify for,  what it will cost, and you are ready to move forward that  we ask you to provide sensitive information. We do it this way  because we don't want to bother you if you are not ready to get coverage. When you receive a call from an agent at NODLB.COM it will be to confirm the application answers and  process the application.  

While it is the case that "final expense" carriers are very lenient about your health,  when it comes to certain conditions/ medications  carriers are  less forgiving.  With a couple notable exceptions all insulin dependent diabetics and COPD cases will be offered graded coverage or worse . In this case "worse" is a modified plan that only pays out the premiums paid  (plus interest) for 3 years.  Modified plans generally don't make sense because you can get Guaranteed Issue coverage less expensively. 

Now, evenn in the case of  no exam carriers ,  you will need to meet certain requirements. These requirements are broken into four parts:

  • 1
    Age & Build
  • 2
     Application Questions Part 1
  • 3
    Application Questions Part 2
  • 4
    Prescription History

Okay, So Now I Know the Type of Coverage I Can Get Approved For. How Do I Apply?

If you  you meet the requirements for Fist day coverage, simply fill out the quote form and hit Get Quote. The rate will be shown. You can try  changing the amount of life insurance to comfortably fit your budget. Once you have a payment you are comfortable with, simply click the Apply Now button. This will lead you to an application where you answer the questions we just listed above and hit SUBMIT.

That's Great for  Folks Who Qualify, But What If You Have A Condition  And Can't Answer No to All The Questions?

Graded Coverage

Just because you don't qualify for First Day Full Coverage does not mean you don't qualify for good insurance. 

If you answered  NO to the questions in part one,  but Yes to questions in part TWO . you will be able to qualify for a graded policy.

Depending on the carrier this will pay 30-40% of the benefit in year one, 60-70% in year two and the full benefit in year three.  

The process is the same. You choose GRADED COVERAGE on the quote tool and and find a premium you find comfortable within your budget.  At that point simply hit the  Apply Now button. Fill out the application and  SUBMIT.

Guaranteed Issue Policy

If you answered YES to any of questions  in part , you will be offered guaranteed issue coverage.

Depending on the carrier these policies will return the premiums you paid plus interest in year one, 20-30% in year two,and 50-50% in year three. After three years the full benefit is available to be paid out.   

The process is the same. You choose GUARANTEED ISSUE on the quote tool and and find a premium you feel comfortable with.  At that point simply hit the Apply Now button. Fill out the application and  SUBMIT

Carrier Phone Call , Pharmacy Report and And Voice Signature for All Burial Insurance.

Upon submitting your application you will be contacted by a licensed agent from  to process your application. This will consist emailing disclosures and initiating a 3 way telephone call with a representative of the carrier. This  call will go over the call will take 10-20 minutes , it will cover the questions you answered in the application as well as your pharmacy records and any MIB records( the MIB or Medical Information Board, is a repository for any record other life insurance companies have on you from previous applications).

In order to complete the interview successfully, you will  provide the following:

Beneficiary Information

Drivers license  number and expiration date

Social Security Number

Checking Account  routing number and account number

The day of the month that you want your payment to be drawn 

(If you are using a cell phone make sure you are charged up)

What's Is Voice Signature And How Does It Work?

Voice signature is simply the carrier using a third party verification service to interview and record your answers to the application questions.  The recording serves as the carries record of your answers to application questions, acknowledgment that you have received the appropriate disclosures, and are aware of the provisions of the life insurance policy. 

Once the interviewer has obtained your checking account information,  completed the disclosures , and application questions (this can be a little tedious), she will step away from the call for 2-3 minutes and return with an underwriting answer. At this point it's time to celebrate- you are done with the process and you have life insurance. The policy will be mailed to you. 

So you  probably noticed there are very few carries from which to choose. This is for a few  reasons:

  • 1
    Most carriers will not  insure some conditions  at all, and even fewer will do "first day"  Level coverage.
  • 2
    There are  have limited the carriers here to companies that will allow for "voice signature".  We have done this to eliminate the technology issues faced by many people when trying to use the computer to sign the policy.
  • 3
    We have only offered simple issue  whole life policies. While we are aware that some term carriers will underwrite burial policies , they will not do so with no exam and voice signature.      

What Makes Different?

In addition to being  one of the few  agencies in the country with a focus limited to burial insurance over the phone, we may also be the only agency that  thoroughly qualifies you for a policy before throwing out a quote. That is different.

To Sum It All Up For You....

  • We are experienced with Burial Insurance.
  • We are transparent in our pricing and our process.
  • We always work to get the best deal available for our clients.
  • We qualify upfront so we don't waste your time.