How to Get Burial Insurance for My Mom
Can I Buy Burial Insurance for My Mother?
Yes, you can buy an insurance policy to pay for your Mother’s burial. And, you can apply for burial expense insurance today.
Adult children have an Insurable Interest in their Mother, which is required in order to buy life insurance on another person.
Insurable interest in your Mom means you rely on her for some means of financial support, or you would suffer a financial loss when your Mother dies.
For instance, an adult woman has an insurable interest in her Mom because she may be the one paying for her Mother’s burial and funeral costs.
You may have an insurable interest in your Mother, Father, Spouse, Siblings, Children, Family Member, or Business Partner, among others.
For example, an adult Son may buy burial insurance on his Father or Mother.
Top Pick – Mutual of Omaha
Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 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
What is Required to Buy Burial Insurance on My Mom?
In order to buy a life insurance policy to cover burial costs on your Mom you may need your Mom’s permission, her signature on the application for insurance, and she may need to answer some questions about her health.
However, some insurance companies may not require the insured to be notified about the life insurance policy, or answer any health questions.
What is the Cost of a Burial Policy?
The premium you pay for burial insurance on your Mother will depend on her age, health, and the amount of insurance needed.
Some burial plans start at around $10 (or more) per month. Get a Free Quote.
Can I Buy Burial Insurance Online?
Yes, you may purchase your mother’s burial life insurance plan over the internet.
Are You Wondering If You Can Buy Your Mother Burial Insurance?
If so, it may be easier than you thought.
Actually, in order to purchase burial insurance on someone else, you may need the following:
- The person’s permission.
- The person’s signature on the application for life insurance.
- Your person may need to answer some health questions.
However, there are some insurance companies that may allow you to buy burial expense life insurance plans on another person without notifying that person.
In addition, in order to buy life insurance for burial expenses on someone else you are required to have an "Insurable Interest" in the person you want to insure.
Insurable Interest exists between parents and their children, spouses, family members, and business partners, among others.
Basically, insurable interest means you stand to lose financially if the person you wish to insure dies, or you rely on that person for some means of financial support.
Insurable interest does exist between parents and their children - so you can buy life insurance to cover burial costs for your Mom.
Why Buy Burial Insurance on a Parent?
If you buy burial coverage on your Mother (or someone else) you can name yourself as beneficiary of the life insurance policy.
And, you can use money from the life insurance death benefit to help pay for your Mom’s funeral, burial and other end of life expenses.
Buying Life Insurance on Your Mother for Burial Expenses
Typically, when asked the question "Can I get life insurance for my mother?" it’s usually because the person is worried about what would happen if their parent passed away without life insurance.
For Example:
- Who would pay for her burial expenses?
- How would her heirs survive "financially" after she was gone?
After all, if there is no life insurance in place the question then becomes, "Is there a plan in place to make sure final expenses would be taken care of?"
In situations like these the Un-insured Mother may be Un-insured because:
- Your Mom has some type of pre-existing condition
- Your Mom doesn’t feel like she needs insurance
- Your Mom doesn’t "believe" in life insurance protection.
This is why it can be difficult to get these individuals involved in the process of getting life insurance in place.
After all, depending on the type of life insurance being applied for, getting approved may be considered too much work for a Mother who isn’t interested in getting insured.
People will make up lots of reasons not to buy life insurance but that doesn’t change the fact that one day, everyone including your Mother, will pass away.
Buying Burial Insurance on My Mother
Let’s just assume that your Mom is OK with you purchasing burial life insurance on her, but she’s just not going to go out of his way to make it easy on you.
In this case, if you can:
- Eliminate the need for a complete health exam.
- Allow everything to be completed over the phone in just a few minutes.
- Get rid of the long approval process for coverage.
This may meet with your Mother’s approval allowing you to get insurance for her.
What If My Mother Won't Pay the Insurance Premiums?
It’s OK, as this is a common situation.
A family member will often pay the premiums for another member of the family just so that they can be sure that the life insurance policy remains "In Effect".
Insurance companies don’t really want to find themselves allowing someone to insure another person without the insured having knowledge of the fact he or she is insured.
For this reason, some life insurers (but not all) may require the initial payment to be made by the insured person, and then switched to another individual after the first premium is collected.
Life insurance companies restrict the purchase of life insurance so that you may only purchase life insurance on those you have an insurable interest in.
An insurable interest is when you have a personal and economic interest in the life of the person you are insuring. You may be able to purchase life insurance on your Mom, but there must be a good reason to do so.
Financial Dependence on Your Mother
If you depend on your Mom for some financial support, or for certain other reasons, you may purchase life insurance on her life.
For example, if you are permanently disabled and you can show the insurance company that your Mother takes care of you, then you may be able to purchase a life insurance policy on her life.
Additionally, if you can show that you are permanently financially dependent on your Mother then you may purchase life insurance on her life.
End of Life Expenses for Your Mother
You may purchase life insurance on your Mother's life if you are responsible for her funeral, burial, and final expenses.
A burial-type insurance policy is purchased in this case. The size of the burial policy will depend on your Mother's wishes.
However, the average cost of a burial, funeral and related final expenses, in the U.S.A. is around $7,848 or more.
Common Reasons to Buy Burial Insurance on Your Mother
There are many reasons you may want to purchase burial insurance on your Mom to help pay for her final expenses.
- Unemployed – If your Mother has no income.
- No Savings – If your Mother is not good with money.
- Chronic Illness – If your Mother has a Chronic Illness.
- Uninsurable – If your Mother is unable to get insured for any reason; such as, due to addiction, incarceration, age, health, driving record, credit history, etc.
- Bankrupt – If your Mother has filed for bankruptcy.
- Owes You Money – If your Mother borrowed money from you and has not repaid the loan.
- Disability – If your Mother is disabled due to an injury or illness.
- Handicapped – If your Mother has a mental or physical handicap.
- Legal Guardian – You are the Legal Guardian for Your Mother.
- Business Partners – If your Mother is your business partner.
Burial Insurance Quotes
Top Pick – Mutual of Omaha
Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 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 – Met Life
MetLife offers guaranteed issue life insurance for people age 45 to 75. Choose $2,500 up to $20,000 of coverage. Rates start as low as $10 per month. There’s no medical exam and no health questions. You cannot be turned down.
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Disclosure: Compensated Affiliate