Think Final Expense Insurance in Indiana is Too Expensive? Think Again!

Final Expense Insurance Indiana

Many people in Indiana and across the United States think Final Expense Insurance is going to be way out of budget. A lot of folks are kicking themselves for not having gotten a term life policy when they were younger and healthier. They assume that they just simply waited too long. Please, we beg of you… STOP thinking that way!

Final Expense Insurance is designed for people just like you. It is a simple, affordable way to make sure that your cremation or burial costs are taken care of, so that your family is not financially responsible. And here’s the great part. It’s very affordable, even for those on a fixed income.

You may still be wondering if you are healthy enough to get Final Expense Insurance in Indiana. Well, that depends upon a few things. If you are generally in good health, we can get you set up with a plan that starts on day one. However, if you are a smoker, you will face slightly higher monthly premiums. Now, you will be asked to answer a health questionnaire honestly and the insurance underwriter will cross reference your answers with a prescription history file. So always be honest on the questionnaire!

Health Conditions that Usually Will Result in a 2 Year Waiting Period

There are certain major health complications that most carriers will not afford instant coverage for. These include:

  • Terminal Illness with less than 2 years to live
  • Hospice Care
  • Active Cancer
  • Dialysis
  • Nursing home, hospice, etc.
  • Organ transplant that has been recently done or will be done
  • Dementia, a Stroke within the last 12 months, Heart Surgery last 12 months
  • Insulin shock/diabetic coma last 24 months
  • Heart attacks are typically accepted, unless it has occurred in the last 12 months

Back to Indiana and Final Expense Insurance

In this article we will go over the best options for final expense insurance coverage for folks in Indiana. We will also go over some Indiana state specific statistics and look at what makes the Hoosier State is such a great place to live and love! The state motto of Indiana is “The Crossroads of America”. How very fitting.

We know why Indiana is known as the Hoosier State… but why is Indiana known as the Crossroads of America? Some historians say this is as a result of Indianapolis being the hub of a handful major interstate highways that intersect Indiana and connect the state to the rest of the U.S. Others believe that Highways 40 and 41 opened the West for settlement and were designated as part of the original federal highway system in 1926. The junction of these two highways in Terre Haute became the Crossroads of America.

The Financial Implications of Burial and Cremation in Indiana

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.

The National Funeral Directors Association surveyed the average cost of a funeral at $7,045 (2012) but this does not include any cemetery costs. So, the total cost of a traditional funeral is likely to be near to $10,000. This can vary, as many funeral homes do not post prices online.

As with burial, costs of cremation in Indiana can vary, depending on one’s wishes. A cremation with a service typically costs between $1,500 and $4,000. 

Shopping for Burial Insurance in Indiana

Advertisements for Burial Insurance are all over the place, on TV, online, radio, print etc. You are barraged with these ads 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 good final expense insurance companies, but you may not be getting the best deal with them.

Working with an independent agency, like Insurance for Final Expense, means that you are dealing with an independent agency 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 InsuranceRoyal Neighbors Insurance, AIG, Liberty Bankers Life, Prosperity Life Group, Sentinel Security Life and Great Western Insurance Company to name a few.

10 Reasons Why You’ll Never Want to Leave Indiana

  • Perfect Mix of Country and City Life
  • Strong Sense of Family
  • Love for Celebration
  • Perfect Skyline
  • Fresh… Everything (food)
  • The Indy 500
  • The Indiana State Fair
  • Unbelievably Generous People
  • Ever-changing Weather
  • The People – Always Helpful & Friendly

Think about many of these attributes as you consider Final Expense Insurance for your loved one’s in Indiana… Strong sense of family, love of celebration, and generosity towards others. These are all major components in making the decision to put Final Expense Insurance in place.

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

indiana state flag

  Leading Causes of Death in Indiana

Rank Cause of Death Total Deaths
1 Heart Disease 14,445
2 Cancer 13,462
3 Chronic Lower Respiratory Diseases 4,375
4 Accidents 3,978
5 Stroke 3,150
6 Alzheimer’s Disease 2,771
7 Diabetes 2,096
8 Kidney Disease 1,440
9 Septicemia 1,277
10 Suicide 1,092

(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 Indiana

The average life expectancy in Indiana was 77.2 years (in 2018). In all, Indiana ranked #41 in average life expectancy across all U.S. states. That was a decrease of 0.4 from 2010 when the average life expectancy was 77.6 years old.

Indiana is in the bottom 10 U.S. states in terms of life expectancy. Knowing this information, you may be wondering, “As an Indiana resident, will I be penalized for my final expense insurance coverage than those in higher ranking states?”

The answer is absolutely not! 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 Indiana.

Back to the Final Expense Insurance We at Insurance for Final Expense Provide for Those in Indiana

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 Indiana with your Burial Insurance Guidance!

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 Indiana

First off, when choosing Burial Insurance in Indiana, 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 Indiana, 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.