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 426 reviews from ★★★★★ Spent time searching for best options for my needsmarg marlinmarg marlin ★★★★★ Dornaz was extremely helpful to get the right travel insurance for us. She was very friendly and knowledgeable.Barbara HanserBarbara Hanser ★★★★★ Ummi. Excellent representative. Very pleased.Darla SwardDarla Sward ★★★★★ Dornaz was very friendly and professional providing me with travel cancellation/interruption insurance.Gail CampbellGail Campbell ★★★★★ I’m so happy in dealing with Ummi Hanny , she’s absolutely a star, she really helped me finding the right insurance for me.hanne sajdahanne sajda ★★★★★ Great travel insurance Dornaz was very professional.Denise Morgan-FellDenise Morgan-Fell ★★★★★ Very pleasant, efficient and helpfulA. Ron AlgateA. Ron Algate ★★★★☆ Very easy to set up policy on a ti.ely manner.Brent ClaytonBrent Clayton ★★★★☆ The cost quoted was definately comparable to other carriers. My only complaint is that you can never call and get a direct quote. You always have to leave a message and wait for a call back. I find that inconvenient. It took me 2 days to get a quote. It used to take less than 30 minutes.Nora from AuroraNora from Aurora ★★★★★ Great service by Dornazpradeep mohapatrapradeep mohapatra ★★★★★ Dealt with Sehar Bajwa for travel insurance coverage for Caribbean cruise.Dealt with her for previous policy as well.Was very pleasant and helpful in completing the application.Dennis WrightDennis Wright ★★★★★ we dealt with Dornaz as our agent. Great service. First time using Alliance but will not be our last. Thank youNogutsNoguts ★★★★★ Dornaz was knowledgeable, professional, friendly and took the time to explain things clearlyGerald BerezukGerald Berezuk ★★★★★ Thanks to Mia Chen we were able to get our home insurance. She is very professional and safe.Genry Garcia LópezGenry Garcia López ★★★★★ I reached out to Alliance in my search to get travel insurance for an immigration visa for a family member. Ummi has been great throughout the process. She was available for all questions I had and assisted me in extending the plan as we had delays. I highly recommend her services as an insurance broker.Thank you Ummi!LilyLily ★★★★★ Sehar Bajwa looked after all my travel insurance needs in the utmost professional mannerShe was very helpful asking the right questions to help get the insurance that was right for me. I will definitely call her for my next trip to JapanDee TungDee Tung ★★★★☆ To date everything promised was delivered. If we ever need to make a claim, I will update with our experiencesJames FrancisJames Francis ★★★★★ Sehar Bajwa helped me with buying travel insurance for my husband. She was amazing!! The process was fast and painless. This was first time buying travel insurance and I was little leery about it but Sehar was very helpful in answering all my questions and she was very patient and caring. Thank you Sehar for making it so easy for me and it was pleasure dealing with you.Pratibha MalaviaPratibha Malavia ★★★★★ A fantastic experience! Sehar could not have been more helpful and competent. It was a real pleasure with someone so efficient and patient. I have already recommended Alliance Income to some friends and directed them to Sehar. Great work! Keep it up!Suzanne & Roy Cormier PalmerSuzanne & Roy Cormier Palmer ★★★★★ Very knowledgeable and able to recommend the best insurance for the circumstancesAntonio TalangaAntonio Talanga ★★★★★ Sarah, was very helpful in providing us with answers to our questions, and guiding us through our needs for travel insurance.Jan-Paul LandryJan-Paul Landry ★★★★★ Excellent service from Ummi.Chris PaveleyChris Paveley ★★★★★ Sahar provided a detail of my coverage was very courteous allowed me to review! After a couple weeks later we reconnected to secure!Great experience!Dave FabelloDave Fabello ★★★★★ Thank you Sehar Bajwa, prompt helpful and professional.hayam rozikhayam rozik ★★★★★ I got my out of country medical insurance assisted by Sahar. It was a pleasure workingwith her and will be contacting her for any future trips. Thank you Sahar.Janet FountainJanet Fountain ★★★★★ Attended by Artmize, good customer service, puntual and very professional. Will continue making bussiness with her.Edgar MontanoEdgar Montano ★★★★★ Sehar Bajwa was great and very knowledgeable. Sehar has been more than helpful over the last few years with my travel insurance needs. Thank you again Sehar.Kevin RodgerKevin Rodger ★★★★★ Sehar was super to deal with! she called with clarifications and any questions. Very happy with our travel insurance purchase. Hoping if we need to use it will be clear and easy too. Thank you Sehar we appreciate youDeb KnightDeb Knight ★★★★★ Sehar Bajwa gave us a lot of attention over 2 days with a details sent by email and over the phone. We obtained exactly what we wanted for medical insurance for the trip. Thank you Sehar!!Mary Lou and Fred CrossanMary CrossanMary Crossan ★★★★★ I’ve dealt with Sehar for the last few years and she is knowledgeable and helpful when purchasing our insurance for our stay in Florida for the winter I highly recommend herRachel BlouinRachel Blouin ★★★★★ Sehar was wonderful to deal with while buying medical insurance for our winter in Arizona. We had been having trouble securing insurance for my husband because of some health issues and she found a company very quickly that would cover him. Of course we always hope not to have to use our insurance but if we do I hope it goes as smoothly as when we purchased. Thank you Sehar!Faye Libler (MacGIRLver)Faye Libler (MacGIRLver) ★★★★★ Sehar Bajwa always followed up and double checking all prices and providers for the best insurance to fit our needs. Very patient and thorough, highly recommend her expertiseLindaLinda ★★★★★ Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!Cindy MathisonCindy Mathison ★★★★★ Sehar was a great help in sorting out my travel insurance, even while I was on the road, follow up was easy.Emergency medical and Trip insurance, got a great rate, tks again Sehar!Donna KarjalainenDonna Karjalainen ★★★★★ Service was excellent. Assisted in every way possible to clarify my needs.John FantinJohn Fantin ★★★★★ I and my wife got travel insurance with help of insurance agent Sehar Bajwa. Tanks a lot for Sehar Bajwa for very professional and competent job.Mikhael ChernitskyMikhael Chernitsky ★★★★★ Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!Bandna SawhneyBandna Sawhney ★★★★★ I had a great experience with Sehar when purchasing my travel insurance.Joy McDonellJoy McDonell ★★★★★ Thank you Ummi, Alliance Income for her wonderful service, she was helping me with travelling insurance with professional manners, giving me options and advices that I felt very comfortable and confidence. The process was smooth and efficient, right after the phone call process, the policy was immediately delivered to my e-mail. I would recommend Alliance Income and agent Ummi. Thanks.Katiana LoKatiana Lo ★★★★★ 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 Shatnerjs_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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