How to Get Burial Insurance For Seniors Who Smoke

Old man smoking

Burial insurance is an important topic that many seniors face, especially those who smoke. While the thought of planning for one’s funeral may not be the most uplifting, it is a necessary consideration for those who wish to ensure that their loved ones are not burdened with the cost of their funeral.

Many people believe that if you are a smoker, you will not be eligible for burial insurance. This is simply not true. There are many insurance providers who offer coverage for seniors who smoke. The truth is, seniors who are smokers will generally pay a higher premium for life insurance compared to non-smokers. This is because smoking is considered a high-risk behavior by insurance companies, and it increases the likelihood of developing health problems such as heart disease, cancer, and respiratory illness. As a result, insurance companies may charge a higher premium to account for the increased risk.

However, it is important to keep in mind that the amount of the increase can vary depending on several factors, including the insurance company, the type of policy, and the amount of coverage. Some insurance companies may also offer lower rates for seniors who quit smoking, or who have quit for a certain period of time.

It is important to remember that burial insurance is a type of life insurance. It provides coverage for the cost of one’s funeral, as well as any other final expenses, such as medical bills or debts. The coverage amount is typically much lower than traditional life insurance policies, which makes it an affordable option for seniors.

When shopping for burial insurance as a smoker, it is important to compare quotes from several different insurance providers. This will help you find the best policy for your needs, as well as the best possible premium. You should also be sure to read the fine print of the policy, so that you know exactly what is covered, and what is not.

Another option to consider is a pre-paid funeral plan. This type of plan allows you to pay for your funeral in advance, so that your loved ones are not faced with the burden of paying for it when you pass away. This type of plan is also often customizable, so you can choose the services and features that you want, and ensure that your final wishes are honored.

In conclusion, it is a common misconception that smokers cannot get burial insurance. The truth is, many insurance providers offer coverage for seniors who smoke. It is important to do your research and compare quotes from several providers, so that you can find the best policy for your needs. With a little preparation, you can ensure that your final expenses are taken care of, and that your loved ones are not burdened with the cost of your funeral.