How to Get the Best Burial Insurance in New Jersey

Burial Insurance New Jersey

New Jersey is known for many things including its beautiful sea shores, busy streets, delicious food, impassioned politics, diversity and remarkable scenery. New Jersey is also known for high cost of living. According to Best Places, the cost of living in New Jersey is ranked at 120.4 compared to the US average of 100. So, it is completely understandable that you, in New Jersey, want to protect your loved ones with Burial Insurance.

Burial Insurance is an important financial asset that allows you to free your family from the financial burdens of burial or cremation services when you pass. It is simply a small whole life insurance policy. Most folks will get anywhere from $5,000 to $25,000 in coverage.

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Let’s Face It, Cremation & Burial Costs are Out of Control in this Country.

Will your family have let’s say $7,000 to $10,000 dollars laying around when that time comes? Who knows? Your kids might be paying your grandchildren’s college tuition. Somebody may have fallen ill themselves or lost a job.

What you don’t want is for them to rack up huge amounts of high interest credit card debt in order to pay for the costs. Burial Insurance provides not only the funds available to your family to pay for your funeral, but also affords you the peace of mind for you that you did the right thing for them.

Later in this article, we will share some state specific statistics regarding health in New Jersey and explain how to get excellent, low-cost burial insurance. You’ll learn how you can get an instant quote for burial insurance in New Jersey and get you into a policy on day one (in most cases).

The Average Cost of Burial and Cremation in New Jersey with Mutual of Omaha Burial Insurance

Today, it’s not uncommon for the average funeral to cost up to $9,000 or more depending on whether the body is cremated or buried. Families oftentimes will spend more than they should because is such an emotional time and they want to honor the deceased’s memory in a sometimes overly elaborate way.

On average, a burial in New Jersey costs $7,137. That brings the average cost of a traditional funeral in New Jersey to $11,371, when you add in the Casket (wood), Transportation (hearse), Private viewing and Embalming . An average cremation with services in New Jersey runs about $3,979. An urn averages an extra $275, bringing the cost to $4,254.

Either way, it’s a lot of financial stress to impose on your loved ones who are under extreme emotion stress at this time.

Shopping for Burial Insurance in New Jersey

There are a number of big, household name insurance companies out there. You know who I mean. Companies like AARP Burial Insurance, Globe Life Insurance, Gerber Life Insurance, State Farm Burial Insurance, John Hancock Burial Insurance and Colonial Penn Burial Insurance.

They seem like trustworthy, legitimate institutions. And they are. So, you might be tempted to pick up the phone and get coverage from one of them. But you’re from New Jersey and you’re too smart not to do your research when it comes to something as important as selecting a burial insurance policy.

Captive Agent vs Independent Agent when Getting Burial Insurance in New Jersey

The agent you will speak to on the other end of the phone is what is known as a “captive agent”. This means that they only represent the insurance carrier that they work for.

We are what’s known as an independent agency, like Insurance for Final Expense, the person on the other end of the phone, guiding you in getting burial insurance in New Jersey is in “independent agent”. So, what’s the difference? The difference is that we offer you a variety of excellent burial insurance plans from multiple carriers. Because we work with a large pool of top-notch final expense insurance providers, we are able to get you the best monthly rates and a plan that suits your individual needs.

What Makes New Jersey Such a Great Place to Live in or Visit?

I had the pleasure of going on a business trip to Montclair, New Jersey several years ago. What a great town! It had a hip, modern flair, tons of architectural charm and some of the most delicious food imaginable! I even tried Octopus and liked it at a wonderful seafood restraint called Fin.

The 12 Best Reasons to Live in New Jersey

NJ.com put together of a list of the 12 best reasons to live in New Jersey.

View of NYC from New Jersey
  1. Location, location, location: Chances are the Empire State Building or Liberty Bell is basically in your backyard! 
  2. The unbeatable New Jersey skyline views: Manhattan is much more striking from New Jersey’s side of the Hudson
  3. New Jersey pizza: People inNew Jersey can count on death, (exorbitantly high) taxes and a delicious, saucy pie on just about every street corner. 
  4. New Jersey corn, tomatoes and blueberries: New Jersey is among the nation’s leading growers for each crop. 
  5. Shockingly low divorce rates: New Jersey’s divorce rate is consistently ranked among the lowest in the country.
  6. FULL-SERVICE gas stations: This luxury — that only New Jerseyans and Oregonians enjoy — is especially satisfying in winter’s most frigid moments.
  7. Diversity: WalletHub ranked Jersey City as the second-most diverse city in America.
  8. One-stop recreation shop: In New Jersey, you can feasibly lay on a beach, shop in a city, climb a mountain and hike the wilderness all in one day.
  9. Health: New Jerseyans are among the least obese states in the U.S., use less tobacco than the rest of the country and life expectancy is in the top 10.
  10. Education: New Jersey’s public schools consistently rank among the best in the country. 
  11. You could become famous: The proximity to New York, along with a list of renowned local proving grounds like Paper Mill Playhouse and The Stone Pony, makes New Jersey a breeding ground for fame.
  12. New Jersey pride: Residents of the Garden State defend Jersey when provoked… more readily than other states’ residents 

New Jersey Health Statistics

Please continue on to learn some meaningful state specific health related statistics involving New Jersey. We will also go over getting the very best burial insurance coverage in New Jersey and explain how funeral insurance can help protect you and your family. Especially with Mutual of Omaha burial insurance.

new jersey flag

Leading Causes of Death in New Jersey

Rank Cause of Death Total Deaths
1 Heart Disease 18,840
2 Cancer 16,264
3 Accidents 4,482
4 Stroke 4,482
5 Chronic Lower Respiratory Disease 3,227
6 Alzheimer’s Disease 2,829
7 Diabetes 1,908
8 Septicemia 1,898
9 Kidney Disease 1,591
10 Flu/Pneumonia 1,337

(note: these statistics are taken from the 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 New Jersey

The average life expectancy in New Jersey was 80.5 years (in 2018). Overall, New Jersey ranked #6 in average life expectancy across all U.S. states. That was an increase of 0.2 from 2010 when the average life expectancy was 80.3 years old.

New Jersey is in the top ten of U.S. states in terms of life expectancy. It would seem as though this might have a positive impact on burial insurance rates for New Jersey residents, but it doesn’t. We view each customer as an individual who deserves the same excellent service we provide as all Americans.

The Burial Insurance We Provide for Those in New Jersey

At Insurance for Final Expense, we work with a large pool of the best funeral insurance companies with a plethora of plans and options… We are able to do this for our clients because we are an independent burial insurance agency.  We trust that you should be the one in the driver’s seat when choosing what’s best for you and your loved ones. Getting burial insurance is a very personal decision. You should be in control of the car…

We only work with only the very best insurers, like Royal Neighbors Insurance, Liberty Bankers Life, AIG, Great Western Insurance Company, Mutual of Omaha Burial Insurance, Sentinel Security Life and Prosperity Life Group along with others. Check out all of our burial insurance reviews on our website. It’s not your job to be a burial insurance policy genius to get the best coverage out there. We will be there to walk you through the whole process.

Getting the Best Funeral Insurance Policy in New Jersey

To find the best choice in burial insurance in New Jersey, it is so very important that you work with an independent agency who represents a variety of burial insurance companies. We hope you don’t, but if you go with one of the big-name advertisers like Gerber Life Insurance, Colonial Penn, John Hancock, or State Farm you are tied to one burial insurance product, whereas we are able to give you multiple affordable, excellent burial insurance options. We hope that you do your shopping so you aren’t throwing your money away.

We are here to serve YOU, never to sell you. It is our objective to help you effectively see the entirety of your choices and never to drive you into a plan that doesn’t suit you. Our way of thinking is, consistently has been, and will remain, client first.

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.