Attention, Minnesota Residents… Looking for Low Cost Burial Insurance?

burial insurance Minnesota

Well you found the right place… Here at Insurance for Final Expense, we’ve got you covered!  In this article we will go over some state specific statistics and look at why The North Star State is so incredible! We will also focus on getting the most affordable, top quality burial insurance possible for residents of Minnesota.

How Burial Insurance Protects Your Loved Ones in Minnesota

Since you are reading this article, you are most likely looking to get burial coverage for yourself or for a spouse or other family member. Maybe you have seen for yourself how difficult it can be for a family when a loved one passes who doesn’t have burial insurance in place.

It can be devastating. It can tear families apart. And in many cases, it can put your survivors in deep credit card debt that could plague their personal finances for years.

Cremation and Burial costs are out of control in our country! It’s simply too expensive and it’s not something to leave on your family’s shoulders to figure out. Will your children or spouse have thousands of dollars lying around to lay you to rest in a dignified way? In most cases, the answer is no. Sadly, that’s exactly what happen when folks pass without a burial insurance policy in place.

Funeral and Cremation Costs

A typical, traditional funeral costs between $7,000 and $12,000 in the U.S. This includes viewing and burial, basic service fees, a casket, transporting remains to a funeral home (hearse), embalming, and other preparations. The average cost of a funeral with cremation is anywhere between $6,000 to $7,000. Neither of these costs include a cemetery, monument, marker, a reception following the memorial service, or other items like flowers, etc.

Whether you plan to be buried or cremated, this is a lot to ask of your family as they are grieving your loss. Especially when you can get covered now for as low as $19.95/mo.

Shopping for Burial Insurance in Minnesota

Stereotypical Minnesotan traits include manners known as “Minnesota nice” with very strong family ties and a sense of community with those who have shared beliefs. Potlucks, usually with a variety of tater tots, are popular at community functions, especially church activities.

This doesn’t seem to me like a state full of people that would ever consider leaving behind a huge financial burden on their loved ones. You know that your loved one’s should be grieving your loss, not struggling to come up with the funds to give a proper ceremony or even worse arguing over the finances.

The ads for Funeral Insurance are everywhere. You are barraged with them on television, internet and radio from companies like Aetna Burial Insurance, Gerber Life Burial Insurance, AARP Burial Insurance, Globe Life Insurance, John Hancock Burial Insurance, State Farm Burial Insurance and Colonial Penn Burial Insurance. Now we are in now way saying that these aren’t good burial insurance companies, but you may not be getting the best deal with them. Think about it… those ads and celebrity endorsers cost $$$$$.

Captive vs Independent Agencies

But you may just think to yourself, “I see these companies everywhere. They must be the best.” That would be an incorrect assumption. These are captive agencies. They can only sell the insurance their company provides. That means that they can’t get you the most competitive quotes available. They can only give you their own quotes.

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 options. Due to the fact that we work with multiple carriers, we are able to get you the best monthly premium and plan to suit your individual needs. And we only work with the very best burial insurance carriers, like Royal Neighbors Insurance, Mutual of Omaha Burial Insurance, Prosperity Life Group, Liberty Bankers Life, AIG, Sentinel Security Life and Great Western Insurance Company to name a few. You shouldn’t have to be burial insurance genius. We will guide you through the entire process and you will be very happy you chose us.

8 Reasons to Move to Minnesota

Minneapolis, Minnesota

Livability.com put together a list of 8 reasons to move to Minnesota:

  1. Affordability : Not only is it absolutely beautiful in the North Star State, you can actually afford to live, work, and play there.
  2. The people: Minnesotans love Minnesota. You’ll be hard pressed to find anyone living in the state who doesn’t love it.
  3. Aquatic playground: Even though it’s known as “The Land of 10,000 Lakes,” there are actually 11,842 lakes in Minnesota that are more than 10 acres in size. 
  4. Festivals galore: In Minnesota, you will never run out of things to do and see… because there’s a fair or festival for just about every occasion.
  5. Clean cities: Minnesota isn’t lacking in bustling cities, like Minneapolis, St. Paul, Rochester, and Duluth. And the cherry on top? The cities are clean and green.
  6. Charming small towns: If city life isn’t your calling, never fear: there are plenty of charming small towns in Minnesota that will win your heart.
  7. A booming economy: Move over, Silicon Valley. A booming economy coupled with great affordability makes Minnesota a win-win for young professionals and devoted businessmen and women everywhere.
  8. The food: Minnesota is climbing up the culinary ladder, one bite at a time.
Minnesota flag

Please continue on to learn some meaningful state specific health related statistics involving Minnesota. We are also going to discuss getting the very best burial insurance policy in Minnesota and explain how burial insurance can help protect you and your loved ones.

Key Mortality Statistics for Minnesota in 2017

  • Number of deaths: 44,361
  • Mortality rate (all causes): 794.7 per 100,000 population
  • Leading causes of death:
    • Cancer (22% of deaths): 177.3 per 100,000
    • Heart Disease (19% of deaths): 147.6 per 100,000
    • Accidents (6% of deaths): 50.0 per 100,000
      • Falls (2.7%): 21.1 per 100,000 population
      • Accidental poisoning: (1.6%) 12.8 per 100,000 population
      • Motor vehicle (1.0%): 8.1 per 100,000 population

(this data comes from the Minnesota Department of Health)

Life Expectancy in Minnesota

Folks in Minnesota live long lives! The average life expectancy in Minnesota was 81.0 years (in 2018). In all, Minnesota ranked #4 in average life expectancy among all U.S. states. That was a decrease of 0.1 from 2010 when the average life expectancy was 81.1 years old.

Minnesota is in the top 5 states in terms of life expectancy. Great job! But does this mean that you, in Minnesota, will get lower burial insurance rates than say, someone in Kentucky (who ranks 48 in the U.S.)?

While you may seem logical that you would be viewed differently than a low-ranking state, that’s not the case. At Insurance for Final Expense, we see you as an individual who deserves the same dedicated service as everyone else.

Back to the Burial Insurance We Provide for Those in Minnesota

At Insurance for Final Expense, we offer a plethora of the best burial insurance companies with a variety of 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.

Finding the Best Burial Insurance Policy in Minnesota

First off, when choosing Burial Insurance in Minnesota, it is critical that you work with a licensed, independent agency that specializes in burial and final expense insurance.

To find the best choice in burial insurance in Minnesota, 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 Gerber Life, Colonial Penn John Hancock or State Farm, you are stuck with 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.