Can I Buy Funeral Insurance for My Parents?

Shawn Plummer

CEO, The Annuity Expert

Can I Buy Funeral Insurance for My Parents?

Yes, you can purchase funeral insurance for your parents. This type of insurance, also known as burial insurance or final expense insurance, is designed to cover the costs associated with a person’s funeral and burial. Here are key points to consider:

Eligibility and Consent

  • Consent: Most importantly, you must have your parents’ consent to buy insurance on their behalf.
  • Age and Health: Insurance providers may have age and health requirements. Generally, older adults can qualify, often without a medical exam.

Coverage and Costs

  • Coverage Amount: Policies typically range from $5,000 to $25,000 in coverage.
  • Premiums: Costs vary based on age, health, and coverage amount. Premiums are usually fixed and can be budget-friendly.

Benefits of Funeral Insurance

  • Financial Relief: It eases the financial burden on family members during a difficult time.
  • Quick Payouts: Benefits are usually paid out promptly, assisting with immediate funeral expenses.

How to Choose a Policy

  • Shop Around: Compare policies from different insurers.
  • Understand Terms: Be clear about what is and isn’t covered.
  • Consult with Professionals: Seek advice from insurance agents or financial advisors.


Buying funeral insurance for your parents is a thoughtful way to prepare for future expenses and ease financial stress during mourning. It’s essential to choose a policy that aligns with their needs and your budget. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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