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Life & Health Insurance/Burial Insurance for Senior


QUESTION: What are the burial insurance options for an 89 year old male in the United States? The policy I'm looking for is the kind that pays out to a beneficiary (myself). This is an extremely hard subject to find information on. Thank you in advance for any assistance.

ANSWER: Dear Ellen,

These type of policies usually pay to a beneficiary (not yourself) as you are no longer available to cash the check.  The beneficiary is usually one of your heirs.

This is a good way to assure that your burial is paid for and does not become a burden to your heirs.  You can couple this with a prepaid burial where you pick all the things you want for a burial and prepay them or the funeral home will sell a insurance policy that pays for it.

I wish you all the best and a long life.

Ron Blau

---------- FOLLOW-UP ----------

QUESTION: I'm Ellen and I'm looking for a policy for my father, a policy that will pay out to me. I also prefer a no exam (for him) policy.


These type of insurance policies are called final expense polices.  they are offered by many different insurance companies.  Your Father can purchase one and he can name the beneficiary.

I am not licensed in Indiana, but look on the internet for a policy with a company with an "A "rating.

The polices range from $1,000 to $25,000.  There is usually no medical exam.  Some may be graded which means that in the first year should he die they would pay you a percentage of the face amount which increased to 100% in the 3rd year of the policy.

Hope this helps,

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Ronald Blau


Questions concerning Life, Health, Diability,Long Term Care Insurance and Reitement Income. I specialize in the senior market and can also answer questions about Medicare. I am located in Arizona and have licences in 22 states. I am active in placement of all personal and business forms of insurance. I work with many different carriers in all types of insurance including Life, Health, Disability and Long Term Care as well as financial planning.


I am one of the leading producers of Long Term Care and Life Insurance in Arizona. I am also a member of the Million Dollar Round Table (MDRT). I work with seniors in the Life settlement market to get the most value for their Life Insurance policies that they no longer need.

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I am licensed in Arizona and 21 states and have a Health, Life Licenses along with Series 6, 63, 65,22 licenses.

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