The best burial insurance company is the one that fits your health and budget. Here is how to compare and choose wisely.
What separates the best burial insurers
Top burial insurance companies share strong financial strength ratings, transparent pricing, and underwriting that rewards your health with immediate coverage instead of a multi-year graded period. They also have a track record of paying claims quickly so families are not left waiting. But best is personal: an insurer with great rates for a healthy applicant may rate a senior with COPD or recent heart trouble much higher. Because each carrier treats conditions differently, the best company for you is the one that underwrites your specific health history most favorably and still carries an A.M. Best rating of A or above.
Comparing burial insurance companies the right way
Skip the temptation to pick by brand name alone. Instead, line up carriers on the factors that matter: financial rating, monthly premium for the exact same benefit, immediate versus graded coverage, and claim-paying reputation. Identical coverage can vary by hundreds of dollars a year between companies, so quotes from several insurers reveal who is truly best for you. An independent licensed agent can shop many A-rated burial carriers at once and identify which one offers you the best price and terms. Call 1-800-MEDIGAP (1-800-633-4427) to compare in a single call.