Guide to Funeral Insurance in Vermont

Yes, whether you're in Burlington, South Burlington, Rutland, Essex Junction, Bennington, or anywhere else in Vermont, you can get life insurance to cover your funeral costs.

You've got a few ways to go about it. You can hop online to buy coverage, give a life insurance company a call directly, or reach out to a local insurance agent for info and a free quote for your policy.

Funeral Expense Insurance is open to all Vermont residents who meet the approval requirements. Keep in mind, there might be some age restrictions, but don't worry – many insurers offer plans for folks between 45 to 85 years old. Some top companies for funeral life insurance policies include Mutual of Omaha, Met Life, Gerber, and more.

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Funeral Expense Life Insurance 

Usually, funeral life insurance is like a long-term buddy that sticks with you throughout your entire life. It's a special kind of permanent life insurance that gives you a set amount of protection.

When you go for Funeral Expense Plans, you get to pick the coverage that suits you best, and the cool part?

No need for any health exams or answering tricky health questions. These plans are the superheroes of approval – they're called "Guaranteed Issue" because as long as you meet the age requirements, you're in! No hassles.

Amount of Coverage Available for Funeral Expenses

The money you can get for covering burial and funeral expenses changes from one insurance carrier to another. Typically, it ranges from $3,000 to $25,000.

And here's a cool tip – if you find you need more coverage, you can totally team up with more than one insurance company to make sure everything's sorted.

Yes, you can buy a policy from more than one insurer if you needs are beyond the maximum coverage amount offered by one carrier.

Age Requirements to Get Insured

Various insurance providers offer different funeral and burial expense plans, typically with age ranges such as 45-75, 40-80, or even 45-85 for guaranteed approval insurance covering burial and related expenses. This ensures a secure solution for your peace of mind.

Can I Get Funeral Expense Life Insurance for My Spouse?

If you're married, it's a yes from the insurance world.

You've got this thing called "Insurable Interest" in your spouse, meaning you can definitely get funeral expenses coverage for them.

Plus, you can take care of yourself with a burial and funeral policy, and guess what?

You can grab a separate policy just for your spouse. It's like customizing protection for both of you!

What If I Change My Mind?

Every life insurance policy comes with something cool called a Free Look Period. It's like a trial phase based on what your state thinks is fair. During this time, if you decide the policy isn't for you, you can return it and get a Full Refund of all the money you put into it. The Free Look Period can last anywhere from 10 to 30 days, depending on the state and the insurance company. It's like a safety net for your decisions.

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Statistics for Funeral Expenses in Vermont

• Expected VT life span: 79 years
• Average VT household income: $97,810
• Typical cost of a VT funeral and burial: $8,207
• Typical cost of a VT cremation package: From $2,295

While cremations are becoming increasingly popular because they usually cost a lot less than a traditional burial, families may incur extra expenses to hold a service as with any funeral. 

A funeral expenses policy can make certain that your family has plenty of money to plan a dignified funeral and pay other bills like travel expenses or feeding guests; as well as, paying for the cost of your burial.

Burial, Funeral and Related Final Expenses in Vermont

Here are some Sample Costs for Burial and related Final Expenses:

• Metal Casket - $3,500
• Funeral Service Fee - $2,139
• Vault - $1,395
• Cremation Casket - $1,200
• Embalming - $528
• Headstone - $199 to $10,000
• Burial Plot - $1,000 - $4,000
• Flowers - $85 or more
• Dressing and Casketing - $205
• Viewing - $442
• Hearse - $332
• Transfer to Funeral Home - $347
• Utility Vehicle - $179
• Urn - $295
• Ceremony - $535
• Pamphlets / Prayer Cards - $175

What is the Average Cost of a Funeral in the U.S.A?

It depends on whether you opt for a burial or cremation.

The average cost of a funeral and burial is $7,360, according to the latest data from the National Funeral Directors Association (NFDA). If you get a vault — required by many cemeteries — that number rises to $8,755. 

The average cost of a funeral and cremation is a little lower: $6,260.

Can a Funeral Expense Life Insurance Policy Pay for Burial and Funeral Costs?

Yes, your loved ones can use the money from your insurance policy to take care of your funeral expenses. And if you haven't got coverage yet, you might want to check out something called funeral expense life insurance. It's like a special type of permanent life insurance made just for covering end-of-life costs – things like funerals, burials, and any unpaid medical bills.

These policies are often aimed at folks over 65, offering coverage in smaller amounts, usually ranging from $5,000 to $25,000. Plus, the cool part is you don't need to go through a health exam. It's like a simpler way to make sure everything's taken care of when the time comes.

How Much Money Does a Vermont Funeral Expenses Life Insurance Policy Cost?

We always suggest shopping around because some insurance companies are more competitive than others. Besides that, insurers base their rates on your health, age, and location, among other risk factors. 

These are some examples of sample monthly premiums for a funeral expense insurance plan in Vermont for a man who is 67 and doesn’t smoke:

• $5,000: $41
• $10,000: $59
• $15,000: $74

Note: The Vermont funeral life insurance rates above are just samples, and they could depend upon the company, location, and health underwriting. Either the applicant or family members might pay premiums for the insurance policy. 

Guaranteed Issue Life Insurance in Vermont

Even people with serious pre-existing health conditions can buy a final expense policy. 

Guaranteed life insurance for seniors asks no health questions. However, the insured person must outlive a waiting period (usually two years) to qualify for the entire death benefit. 

Before that, the policy might only refund previous payments, or pay the beneficiaries a part of the face value of the life insurance policy. 

Vermont Funeral Life Insurance Quotes

Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people ages 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. Start Here to get a FREE Quote. 

• Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

Highly Recommended – Gerber Life

Gerber Life offers guaranteed issue life insurance for people ages 50 to 80. Choose $3,000 up to $25,000 of coverage. Rates start as low as $17.69 per month. There’s no medical exam and no health questions. You cannot be turned down. Get a Free Quote.