Monica says that she is interested in funeral insurance but has no idea what to do about finding a policy. Getting funeral insurance quotes is far simpler in the computer age than in any other previous era. A simple Google search will bring up hundreds of funeral insurance quotes. The key is sorting through which ones are legitimate and which ones are scams.
The first step to finding funeral insurance quotes is to do a quick search for the keywords “funeral insurance quotes”. This will bring up an untold number of possible policies that you could use to fund your funeral after you pass. Once you have opened a website that is offering funeral insurance, you need to look for a few key items.
How long has the company existed? If the website does not say how long they have been around, check with the Better Business Bureau. You want a well established company. If you find a policy you like but it is not well established there are still ways to protect yourself from scams. Call the company. Does someone answer immediately? Ask their customer service representative for their insurance credentials. If they can not immediately provide them, you should move on to another company. All legitimate insurance companies will have this information immediately available.
Once you have established that the company is a legitimate company, you need to consider what you want your policy to contain. Do you want a specific urn or casket? Make sure your policy covers that urn or casket. Do you want to be buried in a specific cemetery? Make sure that the policy allows for burial at that specific location.
Another good tip is to ask if the company compares their rates to their competitors. Any company that freely gives other agent’s rates is more likely to be giving you the best policy for the amount of money you want to spend. Finally, remember that cheaper is not always better. You might find a dirt cheap policy only to have your family find out after you have passed that it does not cover anything you wanted which may result in an extra financial burden on them.
