Burial insurance is a tool you can use to help your loved ones in the last phase of your life. Burial insurance is compared to life/term insurance but it is a little different because burial insurance will build cash value over time. As with all insurance, burial insurance is based on your health and age.
When you take burial insurance, you help your loved ones to avoid difficulties which they have to phase in the last stage of your life. The advantage of burial insurance is that you did not leave a burden for your loved ones by having them pay for your funeral expense.
Advantages of burial insurance:
Funerals can cost a lot of money when most of us do not even think about it. Having burial insurance makes it better for your loved ones to bear the expenses for your funerals and best wishes in the last phase of your life. For more than 50 years you can help your families to get peace of mind after your passing.
Burial insurance does not make you take a physical or medical exam. Instead, your family is able to file a claim within 24 hours after you have passed away. Basic service fees, transporting remains to a funeral home, and other preparation is a tough task for your loved ones and funeral cost between $ 7,500 and $13,000 for an average funeral. So burial insurance is the best option for you.
Your family may have less emotional pain by pre-planning your burial insurance. It is very difficult to arrange the basic funeral expenses but burial insurance is the best way to get rid of this situation. The funeral expenses may be out of control if you want to arrange without burial insurance. The best way is that know all about funeral costs and plan ahead which items are must-haves and what would be nice for you to have and what you can do without. Ask us about whole life insurance cash value and whole insurance pros and cons.
Tobacco chewers securing Non Tobacco rates:
Chewing tobacco users can get burial insurance at non-tobacco rates. Because some companies do not consider chewing tobacco is a risk. Many clients chewed tobacco but they were able to get into final expense/ burial insurance where they were treated as non-tobacco users. It is fairly easy to get the lowest cost burial insurance plan at non-tobacco rates Chewing tobacco users can get burial insurance at non-tobacco rates. Because some companies do not consider chewing tobacco is a risk. Many clients chewed tobacco but they were able to get burial insurance where they were treated as non-tobacco users. It is too easy to get the lowest cost burial insurance plan at non-tobacco rates.
Most of the companies ask a straightforward question and you have to answer this just in one word. They may ask
• What is your age?
• What is your height?
• What is your weight?
• Chewing tobacco consumption
• Medical history of your family.
Finding the best burial insurance for chewing tobacco users:
How good of a deal you get is most important before buying burial insurance? An Independent Agency has top carriers to choose from. A lot of burial insurance companies are available for chewing tobacco users. Because they can easily access to the funeral insurance companies that offer non-tobacco rates for tobacco chewers. Agency must have lots of experience to afford your burial insurance with the best packages, so that company will offer you non-tobacco rates if you chew. If you don’t find a good burial insurance company, unfortunately. you may be put into the tobacco users category and may fall into the same category as smokers and you will receive higher rates on the funeral insurance policy. So it is so important to take those steps that you can easily obtain a non-tobacco rate. You must learn ‘ins and outs’ of burial insurance companies and focus this on how will you able to get the best final expense life insurance policy possible.
You must know all about the Agency which is going to guide you in which burial insurance company is best for you.
✓ The Agency should be experienced and contain all information on a burial insurance company
✓ It should have good relationships with many other insurance companies because if you do not qualify for one company, the Agency should guide you to opt for another one.
✓ The Agency should be an expert and specialist in its area on burial insurance.
✓ It should be on your side through thick and thin by educating you all about burial companies.
✓ It should not pressure you to get burial insurance.
✓ The Agency may not take this easy task because it is an important final decision of you and your family.
If the Agency has all of the above all these features you can easily obtain a final expense policy at a non-tobacco rate.
What is tobacco use?
Each burial insurance company treats tobacco use differently. The best way to The best way to do this find out how each company defines tobacco use. Some companies allow all users of all forms of tobacco and they can purchase a policy at a higher rate. While other companies don’t allow cigarette smokers to fall into the category of tobacco chewers. If you are tobacco chewers’ yes you can easily qualify for it with lower rates.
The application process for tobacco chewers:
It makes you feel good when you can obtain burial insurance as tobacco chewers. The application process to buy burial insurance is simple and there is no need to have a medical and physical test. Only you will be responsible for answering related to basic health questions and drug background check. Most of the companies approve you within hours and you don’t wait for months for a final decision.
You will be happy to see that there is no need to complete the paperwork more and uncomfortable visits from the company representative. Mostly you can complete your application process through simple phone calls and E-mail.
Best companies for tobacco chewers: You need to know which company will offer you non-tobacco rates for tobacco chewers. Non-smokers are eligible to get affordable rates from these companies.
AMERICO: This company is serving the tobacco chewers for burial insurance over 100 years. This company is financially strong and focuses on strength and stability. Tobacco chewers are allowed to qualify for burial insurance in this company with affordable rates. Pipe smokers and cigar smokers can also qualify for burial insurance except for cigarette smokers. AMERICO provides a friendly environment and it is easy to work with this company.
Gerber Life: is best opted by this company. Ages of 50 to 80 are easily approved and they can enjoy burial insurance as tobacco chewers. The best side of this company is that they don’t ask any questions related to health and you can easily qualify either you are tobacco chewer or cigarette user. People may feel that they are at the best burial insurance where they can save their health. People who have health issues can easily approach to this company.
Senior Life insurance -is best opted by this company also. Ages of 50 to 80 are easily approved and they can get burial insurance as tobacco chewers. The best thing about this company is that they don’t ask any questions related to health and you can easily qualify either you are tobacco chewer or cigarette user. People may feel that they are at the best burial insurance where they can save their health. People who have health issues can easily approach to this company.
Gerber life may accept you if you are affected by these health problems recently.
➢ Heart attack within 2 years
We give you detailed information to know how to buy burial insurance if you chew tobacco which can help your loved ones to pay for funeral expenses and they can pay for your final life expenses out-of-pocket.
I’m Mitch Winstead, our agency has specialized in final expense for over 20 years. Our agency is state-regulated and every product is approved by the insurance commissioner. We can get you the best rates with top carriers such as Royal Neighbors. Call us today and compare us to Colonial Penn, Lincoln Heritage of Globe Life insurance. Our toll-free number is 1-866-598-8170. Or our email is firstname.lastname@example.org
Our website is http://www.advancedmutualgroup.com