Funeral Expense Insurance

Funeral insurance covers final expenses, providing a lump sum to pay for burial, cremation, and other end-of-life costs. This coverage helps ease the financial burden on your loved ones, ensuring peace of mind during difficult times.

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Our Reviews

Excellent4.8 Based on 380 reviews from ★★★★★ Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she receivedPam SinghPam Singh ★★★★★ My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.Eklove ShatnerEklove Shatner ★★★★★ Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!Stephen J. RushfordStephen J. Rushford ★★★★★ Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.Joanne HuntJoanne Hunt ★★★★★ Artmiz was capable, responsive and punctual. A good experience!Geoff StilesGeoff Stiles ★★★★★ Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanksElizabeth BastableElizabeth Bastable ★★★★★ Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!christine Foxchristine Fox ★★★★★ Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.Don WagnerDon Wagner ★★★★★ Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you TheresaIrene HartlIrene Hartl ★★★★★ Quick and efficient process and very good, pleasant exchange with agent Theresa HeuserRandy KlattRandy Klatt ★★★★★ Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.Maria Cecilia Danganan-LandichoMaria Cecilia Danganan-Landicho ★★★★★ Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.Catherine PoplawskiCatherine Poplawski ★★★★★ Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.Pat and Art ThorrougoodPat and Art Thorrougood ★★★★★ Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.Yvonne FjaagesundYvonne Fjaagesund ★★★★★ Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer serviceGurasisGurasis ★★★★★ Great professional quick service!Colleen Van HornColleen Van Horn ★★★★★ It was good, customer service and the client dealing is best and also they get you good deals.Ahtsham SaifAhtsham Saif ★★★★★ Theresa was very clear and helpful with our travel insurance questions.Gabriella KleinGabriella Klein ★★★★★ Theresa was very helpful and professional in all our dealings! Would recommend her highly.Joyce SchaafJoyce Schaaf ★★★★☆ Theresa was very efficient, friendly and patient.Sandra PerrinSandra Perrin ★★★★★ Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks ArtmizFran SmythFran Smyth ★★★★★ Excellent product at a cheaper price than other providers.Dale CrawfordDale Crawford ★★★★★ Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank youSabir ParvaizSabir Parvaiz ★★★★★ I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.Van TranVan Tran ★★★★★ Great people & service.Dave GobellDave Gobell ★★★★★ Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer serviceRazijaRazija ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishi ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinbergjs_loader
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Shopping for Funeral Expense Insurance? We Can Help!

We make finding the right insurance coverage fast and simple by connecting you with the best insurance providers in Canada.

Browse options, compare rates, and save more on HealthRates.ca.

Understanding Funeral Expense Insurance

Funeral insurance, also known as burial insurance or final expense insurance, is a type of permanent life insurance. Unlike traditional life insurance, which provides a general death benefit, funeral insurance specifically covers end-of-life expenses such as funeral services and burial costs.

Here’s a breakdown of the differences between funeral insurance and general life insurance:

Purpose:

  • Funeral Insurance: Designed to cover funeral expenses, including burial or cremation costs.
  • Life Insurance: Offers comprehensive coverage for various financial needs, such as income replacement, debt payoff, education funding, and more.

Premiums:

  • Funeral insurance premiums are often fixed and more affordable than permanent life insurance premiums.
  • Life insurance premiums can vary widely based on policy type, coverage amount, term, age, health, and lifestyle.

Duration:

  • Funeral insurance provides coverage for the policyholder’s lifetime.
  • Life insurance can also offer lifetime coverage if premiums are paid1.

Key Benefits

Here are the key benefits of having Funeral Expense Insurance in Canada:

Financial Relief:

Funeral insurance ensures that your loved ones receive a lump sum payment specifically for end-of-life expenses, easing their financial burden.

Peace of Mind:

Knowing that there’s money set aside for funeral costs provides peace of mind for both policyholders and beneficiaries.

Streamlined Process:

The tax-free payout from a life insurance policy can be designated specifically to cover funeral expenses, simplifying the management of funeral costs.

Different Types of Funeral Expense Insurance

In Canada, there are two primary types of funeral insurance policies: simplified issue life insurance and guaranteed issue life insurance. Let’s delve into each type:

Simplified Issue Life Insurance

This type of funeral insurance caters to individuals who seek coverage without undergoing a medical exam. It offers a simplified application process, making it accessible for those with health concerns. While premiums are typically higher than traditional life insurance policies, the death benefit pays out to cover funeral expenses, memorial services, and other end-of-life costs.

Guaranteed Issue Life Insurance

On the other hand, this type of funeral insurance requires no health questions or medical exams, ensuring acceptance regardless of health status or age. Although premiums are higher due to the lack of underwriting, this type is ideal for seniors or those with serious health issues who may have been declined for traditional coverage.

Tips for Saving Money on Funeral Expense Insurance

When it comes to funeral insurance in Canada, there are ways to save money while ensuring your loved ones are protected. Let’s explore some practical tips:

Compare Plans Wisely:

Regularly comparing funeral insurance plans allows you to stay informed about available options and potential cost savings. Reviewing policies annually or when major life changes occur ensures you’re getting the best coverage at the most competitive rates.

Choose Term Life Insurance:

Consider term life insurance specifically for covering funeral expenses. Term policies are more affordable than permanent ones. They provide coverage during specific years (like when you have a mortgage and children at home). Permanent policies are much costlier because they guarantee a payout regardless of when you pass away.

Buy Only What You Need:

Calculate the precise amount of coverage you require. Avoid overprotecting yourself and your family by purchasing only what’s necessary. Consider your debts, income, mortgage, and education costs for your kids.

Take the Life Insurance Medical Exam:

While some policies promise instant approval without a medical exam, these “no-medical” options are costlier. Opt for a standard term life insurance policy that requires a medical exam. It’ll likely save you money in the long run.

Explore Government Funeral Grants:

Group health and dental insurance plans, often offered through employers or professional associations, typically provide more comprehensive coverage at lower rates compared to individual policies. Take advantage of group coverage options if available, as they often offer significant cost savings and broader benefits.

Maintain Good Health Habits

In Canada, government programs provide financial relief to families dealing with funeral expenses. These grants can help cover funeral-related costs through federal and provincial assistance programs, including the Canada Pension Plan (CPP) and specific COVID-19-related assistance.

FAQ’s – Funeral Expense Insurance

Learn more about Funeral Expense Insurance with our FAQ section. Get answers to common questions about coverage, benefits, and more.

Funeral expense insurance, also known as burial or funeral insurance, is a type of whole life insurance specifically marketed to cover the expenses associated with end-of-life arrangements. These expenses may include funeral costs, memorial services, receptions, cremation, and burial.

Funeral expense insurance is ideal for individuals who want to ensure their funeral expenses are covered without burdening their family. It’s particularly beneficial for seniors or those with health conditions that may make obtaining traditional life insurance more challenging.

The appropriate coverage amount for funeral expense insurance depends on your preferences and the anticipated costs of your funeral arrangements. Consider factors such as burial or cremation expenses, funeral services, and any outstanding debts you’d like to cover. Research local funeral costs to determine an appropriate coverage level1.

Yes, many Funeral Expense Insurance providers offer coverage regardless of pre-existing health conditions. However, premiums may vary depending on your health status. Some policies may have waiting periods or exclusions for certain conditions, so it’s essential to review the terms and conditions of the policy carefully.

Applying for Funeral Expense Insurance typically involves completing an application form and providing information about your health and personal details. Many insurance companies offer online applications for convenience. Once you submit your application, the insurer will assess your eligibility and may require a medical examination or review of medical records. Upon approval, you’ll start paying premiums to maintain coverage.

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