Finding Parallels Between Insurance and Life

What’s the Difference of Burial and Funeral Insurance?

There are some families where meeting their daily expenses is hard without thinking of estate planning or on how they will one day pay for the funeral. One uncomfortable subject or topic is about death and simply thinking of the final expenses can be very discomforting.

A lot of families actually want their life insurance to cover funeral or burial expenses and also help provide for their families in case they die. But there are some who wants specific plans which will pay for the kind of burial that they want or other arrangements which they want.

Understanding Funeral Insurance

A funeral insurance is also called as burial insurance and this is made as a small policy which is paid directly to the beneficiary upon the insurer’s death. It could also be paid directly to the funeral home where you made the arrangements for the burial or the funeral.


The funeral insurance likewise cover expenses that’s related to the burial, cremation or funeral ceremony. This means that this likewise covers the cemetery plot, headstone purchases or other containers where the ash will be placed after being cremated. This will however not cover any end-of-life expenses like medications or anything that you need before you die.

When you will assign someone to handle such funds on your death, it is important that you choose someone who will be using it for the purpose intended. Your family can actually use the money on anything of which they like and they also are not obligated legally to use the money for a funeral expenses.

What is a Burial Insurance

Most people tend to mistake burial insurance as something which is separate from a funeral insurance, but the fact is it is just the same. There are in fact some arrangements that will be made and there are something that needs to be prepaid with the funeral home. These are in fact called pre-need policies, but most people usually confuse it with the funeral or burial insurance, which is a policy that pays out after the insurer’s death and not before. Because a funeral insurance is also known as a final expense insurance or burial insurance or other kinds of names, it becomes confusing to many people. A fact however is that both the funeral and burial insurance are just the same.

When you are prepared before any unforeseeable expense, you will get peace of mind knowing that your loved one or family will not be burdened with the financial problem. See to it that you conduct ample research and compare the premiums and the policies for you to acquire the best deals possible.

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Post Author: aebi