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  • Writer's pictureAriadna Cardona

Common Myths Surrounding Burial Insurance Debunked

Burial insurance, despite being a valuable asset, is often misunderstood. This is largely due to the many myths that surround it. These misconceptions, if believed, can deter individuals from investing in a policy that provides peace of mind and financial security to their families. In this article, we'll debunk some of the most prevalent myths about burial insurance, setting the record straight.

1. Myth: "Burial Insurance is Just Too Expensive."

Truth: Compared to traditional life insurance policies, burial insurance is relatively affordable. Its primary purpose is to cover funeral and other end-of-life expenses, not to replace income or pay off large debts. Therefore, the premiums are considerably lower. With flexible plans and customizable coverage, you can find a policy that fits within your budget.

2. Myth: "I'm Too Young to Think About Burial Insurance."

Truth: While it's natural to associate burial insurance with older age, starting early has its perks. Younger applicants can often secure lower premium rates, and they ensure that their end-of-life expenses are covered, irrespective of life's unpredictability. Plus, health is a significant factor in insurance premiums, so securing a policy while you're young and healthy is wise.

3. Myth: "Burial Insurance is Just Like Life Insurance."

Truth: While both are meant to provide financial relief after the death of the insured, they serve different purposes. Life insurance is designed to provide beneficiaries with a significant sum to replace the deceased's income, pay off debts, or even fund future expenses like education. On the other hand, burial insurance focuses specifically on covering funeral and associated expenses, making it a more specialized policy.

4. Myth: "I Don't Need Burial Insurance; My Savings Will Cover It."

Truth: While savings are essential, the future is unpredictable. The costs associated with end-of-life arrangements can be substantial. Relying solely on savings might not be enough, especially if unexpected medical bills or other expenses come up. Burial insurance ensures that funeral and related costs are covered, without depleting savings meant for other purposes.

5. Myth: "It Doesn't Matter Which Provider I Choose."

Truth: As with all insurance products, the provider's reputation and financial stability are crucial. Before settling on a policy, it's wise to research the insurance company, look into customer reviews, and check ratings from financial institutions. Some providers might offer additional benefits or have better customer service experiences.

6. Myth: "If I Have Health Issues, I Won't Get Covered."

Truth: One of the advantages of burial insurance is its more lenient underwriting process. Even if you have health challenges, many providers offer policies with graded benefits, where the full death benefit becomes available after a certain period. It's designed to accommodate those who might not qualify for traditional life insurance due to health reasons.


Burial insurance is a valuable tool in financial planning, ensuring that families aren't burdened with end-of-life expenses. By debunking these common myths, we hope to provide clarity on the subject, allowing more individuals to make informed decisions about their future. Always do your research, ask questions, and choose a policy that aligns with your needs and those of your loved ones.

Ready to Secure Your Peace of Mind?

Understanding your options is the first step towards making informed decisions. Whether you're considering burial insurance or seeking more information on any other topic we've discussed, we're here to assist. Visit for a quick quote. Prefer to speak directly? Call us at 1-855-536-2134 and chat with an expert agent ready to guide you through your choices. Secure your family's future today!

Burial Insurance Myths Debunked

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