FAQ
Pre-Need Burial Plan Questions
What is the difference between pre-need burial insurance and final expense insurance?
Pre-need burial insurance is purchased through a funeral home and is tied to a specific funeral provider — the benefit pays that provider directly. Final expense life insurance is a small whole life policy you purchase through an insurance carrier — the benefit goes to your beneficiary who then uses it for funeral costs. Both serve the same purpose; the right choice depends on your preferences and flexibility needs.
Can I qualify if I have health problems?
Yes — many burial and final expense plans offer guaranteed issue coverage with no medical exam and no health questions for applicants between ages 45 and 85. Premiums may be slightly higher, but coverage is available regardless of your health history.
What happens if I move or change funeral homes?
Final expense life insurance policies are portable — they are not tied to a specific funeral home. Pre-need funeral trust arrangements may be transferable depending on the provider. We will explain all options clearly so you choose the right plan for your situation.
How much does pre-need burial insurance cost?
Plans typically start under $30/month depending on your age, health, and the coverage amount you choose. We compare multiple carriers to find your best available rate at no cost to you.
Is GIC's burial plan consultation really at no cost?
Yes — just like all of our insurance services, our burial plan consultations are completely at no cost to you. .
