Burial Insurance is not a topic that a lot of people want to talk about. Let’s face it. It’s sad. It’s depressing to think about the end of life. And it is also, in many cases, a very confusing topic. What final expense insurance company should you go with? How much can you afford each month? How much coverage do you need? Are you healthy enough? What about those two-year waiting periods you always here about? Read on… We will break it down for Idaho residents who want to get the best burial insurance and show you just how simple we make it.
We will also go over some Idaho state specific statistics and look at what makes the Gem State is so outstanding! The state motto of Idaho is “Esto perpetua”, which translated from Latin to English means “Let it be perpetual”. Let’s think about that for a moment in terms of burial insurance. Basically, the way I view this phrase is to leave your loved ones a legacy. Allow your life to remain eternal, without burdening your family financially.
The Financial Implications of Burial and Cremation
Folks in Idaho are typically considered very friendly but also somewhat reserved at times. But for sure, Idahoans are family people. So, as you are reading this article, please consider what a valuable financial asset final expense insurance will be for your family.
Perhaps you are considering getting burial coverage for yourself or for another family member. You know that end of life expense costs are not cheap. Perhaps you have personally experienced this yourself when a family member has passed without insurance or any planning in place.
Most seniors have a will in place that probably includes their final wishes upon passing. But will you or your spouse or children have the means available to cover the costs? Even if you or they do, we can never predict what hardships may come.
Think about your car or homeowner’s insurance. None of us have a crystal ball that let’s us know that in 2 months from know we will get hit by a reckless driver or that our home will be flooded beyond repair.
And none of us know (thank God!) when we will become ill or ultimately, die.
Funeral and Cremation Costs in Idaho
In Idaho the average cost of a traditional funeral in Idaho is in the region of $6,875 (including Professional Services, Embalming, Opening/Closing, Hearse, Refrigeration, Vault, Prep, Transfer & Flowers). This generally means that the full cost of a funeral in Idaho can skyrocket to about $10,000 when all of the other arrangements are involved.
Now cremation is less expensive, costing Idaho residents on average $3,000. Now keep in mind that that cost does not include any ceremony costs and it depends largely on what the deceased’s wishes were. So, $3,000 could skyrocket to much more.
You don’t want your loved ones and family struggling to carry out you end of life wishes. Let them have the emotional place to grieve and pray. Obviously, most people in Idaho and beyond realize that this is a huge financial burden to leave behind on their families. How else can we say it… Esto perpetua”.
Shopping for Burial Insurance in Idaho
Advertisements for Burial Insurance are everywhere. You are bombarded with them from companies like Colonial Penn Burial Insurance, Aetna Final Expense Insurance, AARP Burial Insurance, John Hancock Burial Insurance, State Farm Final Expense Insurance or Globe Life Insurance. These are all fine burial insurance companies, but you may not be getting the best deal with them. Think about it… big money ads & celebrity endorsers cost a fortune!
When you work with an independent agency, like Insurance for Final Expense, you are dealing with a company offering multiple burial / final expense plans and solutions. Because we work with multiple carriers, we are able to get you the best monthly premium and plan to suit your specific desires. And we only work with best of the best insurers, like Mutual of Omaha Burial Insurance, Royal Neighbors Insurance, AIG, Liberty Bankers Life, Prosperity Life Group, Sentinel Security Life and Great Western Insurance Company to name a few.
Why is Idaho Such an Awesome State?
Idaho is growing steadily in population over the years. Don’t dismiss Idaho EVER!
Below are some of the things that make Idaho so great:
- It’s incredibly affordable.
- Idaho has four distinct seasons.
- Idaho is safe.
- Boise is the capital.
- There’s pretty much no traffic. Ever.
- It’s an outdoor lover’s paradise.
- The vast wilderness areas that are right in your backyard.
- Good agriculture means good food.
- Idahoans are ridiculously friendly.
- It’s secluded.
- Idaho loves art.
- The best reason of all? It’s one of the most beautiful places in the world.
Please continue on to learn some meaningful state specific health related statistics involving Idaho. We are also going to discuss getting the very best final expense insurance policy in Idaho and explain how burial insurance can help protect you and your loved ones.
Leading Causes of Death in Idaho
|Rank||Cause of Death||Total Deaths|
|3||Chronic Lower Respiratory Diseases||925|
(note: these statistics are taken from CDC website and the data is for the year of 2017. Keep in mind that these numbers vary from state to state due to population and state rank across the U.S.)
Life Expectancy in Idaho
The average life expectancy in Idaho was 79.3 years (in 2018). In all, Idaho ranked #23 in average life expectancy across all U.S. states. That was a decrease of 0.2 from 2010 when the average life expectancy was 79.5 years old.
Idaho is in the top 50% U.S. states in terms of life expectancy. You may wonder, “As an Idaho resident, will I have to pay less for final expense insurance than lower ranking state?”
While you may assume that you will be afforded a lower premium for the same amount of burial insurance in Idaho, that would be an incorrect assumption. At Insurance for Final Expense, we see you as an individual who deserves the same dedicated service as everyone else in the country. That being said, we can still get you the best burial insurance coverage in Idaho.
Back to the Final Expense Insurance We at Insurance for Final Expense Provide for Those in Idaho
At Insurance for Final Expense, we work with an abundance of the best final expense insurance companies with plans and choices that suit YOUR needs… We can do that because we are an independent burial insurance agency. You and only you know what’s best for you and your family and we respect that. Please feel free to read all of our burial insurance reviews on our website.
At Insurance for Final Expense, We Only Have the Best of the Best to Help you in Idaho with your Burial Insurance Guidance!
Our Founder, Gary Cubeta was recently quoted on PROSKY, a company dedicated to best hiring solutions and talent recruitment in an article titled How to Evaluate Candidates Before Hiring. Here is what Gary had to say, “What we do is test job applicants for two hours on the phone before we finish the interview process. We study their body language to see how they react to the stress of the job. We can teach anyone who wants to be taught, but they must have the correct physical and mental karma for it all to come together.”
We are here to serve YOU, never to sell you. It is our goal to help you easily understand all of your options and never to push into a plan. Our philosophy is, always has been, and will remain, customer first.
Finding the Best Final Expense Insurance Policy in Idaho
First off, when choosing Burial Insurance in Idaho, it is essential to work with a licensed, independent agency that specializes in burial and final expense insurance.
To find the best choice in burial insurance in Idaho, it is so very important that you work with an independent agency who represents multiple burial insurance companies. We can’t emphasize this enough! We hope you don’t… but if you go with one of the big-name advertisers like John Hancock, State Farm or Colonial Penn, you are glued to one burial insurance product, whereas we are able to give you multiple affordable, excellent burial insurance options. This is a serious decision. Make sure you know what your options are!
Working with an independent agency like Insurance for Final Expense is completely free to you. Unlike working with a captive agent, we as independent agents are paid by the insurance companies. It has zero effect on your rates.
If you need help with guaranteed issue or final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.