For most of your life in Council Bluffs, IA, the thought of burial insurance has been a distant thought at best. “I have some life insurance through work and it should be enough,” thinks most of us. As we enter into our retirement years and we’re attending more funerals than weddings, burial insurance, or final expense insurance, seems like a good idea. With burial costs in the Council Bluffs area hovering around $8,500, cremation around $3,000, it is comforting to think our family will have to make one less decision when we leave this earth. 

At JL Senior Solutions we’ve been selling burial insurance for over 30 years. Joe Kathrein knows the ins and outs of policies, and may have even sold some to your neighbors. Here are some articles to get you informed before talking to an insurance agent. 

Is Burial Insurance Right For You?

https://www.forbes.com/advisor/life-insurance/burial-insurance/ 

We like this article because it lists pros and cons of burial insurance, introducing some new terms like Simplified and Guaranteed which you’ll run into. We like the Forbes Advisor series because it’s a good starting point for research. 

Council Bluffs IA Funeral Costs Guide

http://www.funeral-arrangements-guide.com/council-bluffs-ia-funeral-cost-council-bluffs-ia-funeral-costs-guide/ 

This article breaks down the big categories of costs of funeral services in the area. From the basic services, charges for merchandise, and how much cash is needed, this quick read will explain the reasons why insurance might be a good fit for your situation.

Is Burial Insurance Worth It?

https://www.nerdwallet.com/article/insurance/is-burial-insurance-worth-it The nerdwallet people are better known among the millennial crowd than Baby Boomers but it’s another good source for basic information. This one Joe likes because it explains the age premium with cost illustrations. Younger people die less often, as we know, and burial insurance goes up in cost the older we get. They also list some alternatives which Joe can talk to you about. 

Ultimate Guide To Burial Insurance With Pre-Existing Conditions

https://choicemutual.com/burial-insurance-pre-existing-conditions/ The last article is from an insurance agency. The decision to buy insurance is only the first step in getting it. The underwriting process ultimately determines if you can be insured and at what cost. We’ve all heard of pre-existing conditions and Joe Kathrein can tell you story after story of conditions that impact the cost of polices. This easy to read guide offers a guide to some common preexisting conditions. 

If you are in the Council Bluffs area and have questions about burial insurance (or final expense insurance) contact JL Senior Solutions today.