Understanding Funeral Insurance and Its Benefits

December 10, 2019

While it’s not a topic anyone necessarily likes thinking about, those who pre-plan their funerals or assist with these services for others are doing a great service to those who will be left behind upon eventual passing. One important area here that many might not have considered is known as funeral insurance, which can take on a couple different forms.

At Lindquist Mortuaries, our funeral planning services include numerous pre-planning areas, with funeral insurance among them. While you may have other kinds of life insurance in place already, we’ll assist you with a specific plan that covers costs at today’s prices and guarantees your loved ones will not be left in financial trouble based on your funeral or related expenses when you pass. Here are some basics on the kinds of funeral insurance out there plus the benefits of the format we offer.

Burial Vs. Pre-Need Insurance

When you hear the term “funeral insurance,” it’s possible that the person using it is referring to one of two different broad insurance types. These are generally known as burial insurance and pre-need insurance. Here are some basics on each:

  • Burial insurance: Typically offered by life insurance companies rather than funeral homes, burial insurance can be purchased as part of a whole-life or term-life insurance plan. The premium will depend on the benefit amount and some other factors, with average policies ranging from $5,000 to $15,000 in most cases. Upon your death, these funds will be paid to your primary beneficiary, who can use them to cover service, burial and other end-of-life costs.
  • Pre-need insurance: Pre-need insurance, on the other hand, involves you choosing the amount you’d like paid out to cover your expenses, then paying a premium on this while you’re still living. When you pass, the benefits are directly paid to the funeral home you’ve chosen – this removes virtually all the burden from your family and allows funeral home professionals to handle the details while family takes proper grieving time.

Value of Lindquist Mortuaries’ Insurance Format

At Lindquist Mortuaries, however, we offer a hybrid format that we believe is even more beneficial to our clients and their families. We guarantee funeral costs at today’s prices, guaranteeing your family will not have to pay an inflated amount at the time of your passing. We also allow for additional funds to be contributed for various expenses, ranging from obituary notices to flowers, death certificates, taxes, travel needs for family members and many other areas.

For more on a funeral insurance policy and the kind you should be considering based on your needs and those of your family, or to learn about any of our funeral arrangement services, headstones or cremation options, speak to the staff at Lindquist Mortuaries today.

cremation services Kaysville UT
By Lindquist Mortuaries and Cemeteries April 22, 2025
Honor your loved one with a digital memorial. Create a lasting tribute with photos, videos, and messages. Start building a meaningful online space to cherish their memory today!
funeral homes Ogden, UT
April 20, 2025
Engraved markers offer a place of peace and remembrance. Funeral homes Ogden, UT guide families with compassion. Start planning your tribute with us today.
cremation services Kaysville, UT
April 13, 2025
Create a ceremony that reflects your loved one’s story with personal touches and meaning. Cremation services Kaysville, UT are here to help. Contact us now.
funeral homes Kaysville, UT
April 6, 2025
Burial vaults help preserve dignity and care at resting places. Let funeral homes Kaysville, UT guide you with expert burial planning. Call for support today.
cremation services Layton, UT
March 20, 2025
Host a meaningful virtual memorial with cremation services Layton, UT. Honor your loved one with a heartfelt online ceremony. Contact us today to learn more.
funeral homes Layton, UT
March 17, 2025
Music and readings bring comfort and a personal touch to funerals. Honor life with a heartfelt tribute at funeral homes Layton, UT. Contact us for support.
cremation services Ogden, UT
March 10, 2025
Honor cherished memories with personalized slideshows. For families choosing cremation services Ogden, UT, create a heartfelt tribute today. Contact us now.
funeral homes Ogden, UT
By Lindquist Mortuaries and Cemeteries February 25, 2025
Show kindness to those in mourning with heartfelt support. Funeral homes Ogden, UT provide services, but your care helps them heal. Find out how you can help.
cremation services Kaysville, UT
By Lindquist Mortuaries and Cemeteries February 24, 2025
Cremation is a heartfelt farewell. With cremation services Kaysville, UT, every stage is handled with professionalism, ensuring care and respect throughout.
funeral homes Kaysville, UT
By Lindquist Mortuaries and Cemeteries February 17, 2025
Reflection and remembrance matter in the healing process. Funeral homes Kaysville, UT provide serene environments designed for comfort and personal connection.
More Posts