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Insurance that reflects the way you live your life.

Our company PayForFunerals is dedicated to providing you with the best possible life insurance policy that you can avail. Since the establishment of our company in the year ___ it has been our primary objective to serve as a reliable bridge between the Insurance Company and the Insured clients.
PayForFunerals provides the most suitable options to its clients by attentively going through the individual’s needs and then searching our database of best funeral expense insurance companies thoroughly to match them.

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Why Do You Need Life Insurance?

We're here for the bad times. The good ones, too.

The thought of getting life insurance runs across everyone’s mind at least once in a lifetime – whether it be due to the thought of leaving the people they love behind someday, or any health issues that may arise in the future – everyone considers it.

 59% of the US population have a life insurance policy – according to LIMRA’s 2018 Insurance Barometer. However, statistically speaking, 1 in 5 insured Americans believe that they do not possess resources ample enough to cover up their final costs. Another common misperception among Americans is such, that life insurance is extremely expensive, moreover, more than a third would suffer from financial constraints, given a bread winner of the family passed away.

A few of the major reasons why Americans feel the need to obtain life insurance include:

  • In order to cover household expenses incurred, and aid in paying off mortgage
  • To make up for lost income in case the wage – earner dies
  • An adequate flow of income in case of retirement
  • Leaving behind an inheritance, in case of death
  • Covering funerary rites and burial expenses


Life insurance policies allow you to secure the future of those you love and treasure, in a highly optimal and affordable manner.

Perks of having a Final expense Insurance policy

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It is basic human nature to stay prepared for what is bound to happen, be it in the near future or far.. Therefore, how can one be oblivious to the ultimate fact that one day each one of us has to bid this world and our loved ones farewell?

Death is a bitter reality of this life, it is only natural for us to think about and prepare for it.

Having a funeral insurance policy gives an individual the surety that he won’t be a burden on his loved ones once his life comes to an end. Most of us spend our whole life trying to guarantee a smooth plan for different aspects of life, having a burial insurance policy is equivalent to having a safe plan for the coverage of your final expenses and a smooth funeral plan.

Burial Insurance plan gives you peace of mind as well as financial independence in the matter of your final expenses.

How Do You Select the Best Life Insurance Company?

You keep building the life you want. We'll protect it.

Several existing life insurance companies offer variously different policies tailored to facilitate the vastly differing needs of their customers. What can make selecting the right life insurance policy for you such an intimidating task, is the abundance of life insurance companies and agents. In fact, as per the Bureau of Labor Statistics, in 2016, there were 385,000 Insurance Agents in just the USA. Hence, a few vital factors that may help you choose a life insurance policy best suited to you, include:

Budget Constraint

A key point to consider when considering a life insurance policy, is one that offers an amount that is financially feasible for you, as well as caters to all your own, individual needs.

Asset Inventory

An important aspect of the decision – making process, is taking an inventory of any assets you may possess and gaining an in depth understanding of the financial obligation to secure those assets once you are no longer here.

Dependent Variables

An essential thought to keep in mind is how many people depend on you, financially speaking, and upon the occurrence of your death, what you leave behind for them.


Generally, life insurance companies may inquire about any prevalent or prior health conditions of notice, to help review the policies that work best for you. Health conditions serve as a common hurdle in the task of getting yourself insured, but there is always a policy out there that works for you, despite your given withstanding or previous health conditions. It is as simple as finding the right company for you, in the enormous pool of companies already out there.  

Territorial Constraint

Territorial constraints can definitively impact and limit the policy choices available to you, due to the manner, in which state laws function and differ from region to region. This is also inclusive of variations in expenses incurred due to any funerary services contrived across different states.However, no need to worry! In case of any questions that may cross your mind, please take a moment to fill out the form given below; one of our skilled life insurance agents will be sure to get back to you on your query as soon as possible.

Why Do You Need Life Insurance ?

When the subject of life insurance is broached, a few critical questions that may immediately pop up in your head, are – why do I really need to get insured? How does a life insurance policy work to benefit me? Is it a pre – requisite for everyone out there? Or to further break it down – is it a necessity for me? All the questions listed above are entirely legitimate, but firstly, let us answer the most important one of them all – why you really need to get insured!

Starting from the very basics – despite all our optimism, we are no strangers to the reality of death. Death, at a certain point, is a pre – ordained, natural phenomenon that is inescapable.

Life, in its full measure, hails hardships with all the happiness. There may be several stress factors for a person in his every – day routine, various issues that may arise. Now, in order to tackle all of this, life insurance steps into the picture.

Hence, this realization entails the impact we have on the people we love, and will eventually leave behind. Those dependent on us, specifically financially, would be left hopeless, and stricken. Life insurance offers you a vital solution here. Life insurance policies will take off a major chunk of the burden your family would otherwise have to shoulder – funeral expenses, loss of income, the matter of inheritance, and paying off loans or debts, even mortgages – helping them lead a better life. This will allow your family time to grieve, rather than handling other problems in the event of such a major loss, and the emotional toll it takes.

It is, hence, extremely important to try and obtain the life insurance policy that works best for you, long term, and secures the future of those you love.

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What Do You Need To Know About Life Insurance?

Now, having answered the primary question, let’s approach another matter of the utmost importance – what do you really need to know about life insurance? By answering this, we try to offer you all the relevant information necessary, so that you can make an informed decision.

Life insurance can be loosely termed as gaining “financial independence” and serve as a “Plan B” in times of need, as mentioned above, in the previous section. It is a way to ensure the comfort and security of your loved ones and offer them the best quality of life in your current capacity for the time when you are gone.

It can be thought of, innovatively, as a savings account, minus the saving.  An illustrative example is as follows: suppose a bank provides you with a savings account, that holds $30,000 worth of your future funeral expenses. All that they ask of you is to pay them $70 monthly, to secure the money in the bank. Once you pass away, the whole amount will be enclosed to your family, which is precisely how a life insurance policy works. What percentage of the amount you have paid to the bank upon your death is irrelevant – your family would still get the same amount. (Take note of the fact that rounding off to $40,000, merely through saving $70 a month, would otherwise take you approximately 47 years). 

In some cases, for example, the occurrence of a terminal illness, a few insurance companies would even accommodate you by paying 90% of your death benefit, according to the policy you have opted for. This amount would greatly aid you in paying your medical bills.

As per an analysis conducted by Arcadia Healthcare Solutions, patients that were terminally ill had accumulated medical bills that came up to around $32,000, merely in the last phase of their lives. Similarly, the National Funeral Director’s Association provided a statistic on the average funeral cost in the year 2017 – which rounded off to $8,755.

In order to have lived a meaningful life, it is imperative that you leave behind a secure legacy, where your loved ones remain happy. Top rated life insurance companies can help you achieve this goal, and release the burden you and your loved ones may face, by covering all your final expenses.

How Does Life Insurance Really Work?

To develop a functional understanding of how top – notch insurance companies operate, we will now analyze how life insurance works, in detail.

Once you sign up for a final expense insurance, you are basically agreeing to a contract with the company. Now, various insurance companies work in line with their own insurance policies, which operate on the basis of the terms agreed in the policies. However, a common denominator between all of them, is that the person signing up has to pay an amount fixed by the company, i.e. a “premium” ,every month. These premiums are invested by the company, to reap profits. There are several factors that dictate the amount of the premium, such as health, policy type, age, etc.

The next question is that of the amount released to your heritor – the death benefit, which is also sometimes termed a “payout.” As soon as you apply for a policy, and agree to the terms of agreement, your beneficiaries are now permitted to affirm the policy’s death benefit in case of your death. In order to file a claim, a copy of your death certificate if to be brought forth, and any other obligatory, carrier – specific forms are also to be filled out. Generally, within 72 hours of obtaining all necessary information, the expense policies are cashed out, given that the policy is no longer within the contestable time frame, in which an insurance carrier can go over your medical records and ensure that you have filled out the correct information on your application, and is a period of 2 years that commences from your policy start date.

Like any company, life insurance companies function according to their own set of rules and regulations, which include variations in under writing rules. Under writing refers to the amount of risk a carrier can take with a consumer.

Subsequently, there are a couple of well renowned insurance companies that reimburse the premiums, with a percentage of interest, given the client passes away during the period of 2 years.

However, certain companies employ a different method. They add this clause as a disclaimer in the fine print that they offer, e.g. via television ads or marketing pieces. This may cater to a specific clientele, i.e. those that are unwell, and suffer from prevailing medical conditions, however it does not work the best for those that are healthier, and are thinking a little further ahead.

 Hence, you need to truly understand which insurance policy is suited to you, and your individual needs, which our skilled agents can help you with.

With regards to any other questions you may have, please do reach out to us by filling out this short form, and we will get back to you as soon as possible.

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Is Buying Life Insurance a Worthy Investment?

Prior to making any major decision, every person carries out a quick cost benefit analysis in their head – Is buying this item, or choosing this route worth the cost I’m paying? Such is the case with life insurance as well – the answer to which is yes! Purchasing an insurance policy will save you a lot of stress, hassle and worry, and leave you and your family contented, by saving them from any future financial problems that may arise.

In the hour of loss, your family should be allowed to grieve in peace, without the worry of paying off loans and funerary costs, etc. Insurance policies offer you comfortable means to secure the future of those you cherish.

We want to make sure you make informed decisions, and not gambles, on your life. And our qualified representatives are here to help you with any queries you may have. Get in touch with us now, and secure your future today.

Are Most Life Insurance Policies Overpriced and High Margin?

Typically, life insurance coverage ranges between $10,000 – $20,000, dependent on a few of the factors mentioned above, such as health conditions, and age factors. Our premiums lie between $30 – $65 on an average, monthly. Again, a small price to pay, considering the sizeable sum, and the fact that they are deposited to your account the very first day!

Additionally, a few final expense policies start at a premium of even $15 per month!

We are here to cater to you, and ensure you opt for the best insurance carrier, and policy! Click here, and contact our agents for free!

Types of Life Insurance

There are two main classes of life insurance policies. Here we divulge into the details of both, to hand you informed decision making power, as well as highlighting the various needs of clients.

  1. Term Life Insurance

A term life insurance is a type of insurance that is subject to a time constraint, i.e, a specific period of time during which the terms of agreement are valid, and employable, after which, the policy expires. Typically, this period spans a time frame of 10, 20, 30 years, and is finalized by both parties upon agreement. The shorter the time period of the policy, the lesser the monthly premiums are to be paid.

 A major con to this method, is the natural discourse of life. If the insured party lives beyond the time frame, the contract will terminate itself. The company, in case of death after the term, would not be able to hand out a death benefit and the client would have lost the premiums paid.

Both parties are aware of this condition upon agreement and signing of the contract.

Suitable For: People who have a large number of loved ones financially dependent on them. Generally suitable for someone with stable medical history, and is employing this policy just to be on the safe side.

For example, a healthy, 35 year old man, who has a small family, and is sure about the condition his health is in. He has to support his family, and pay off loans, so this option is relatively viable for him, and also serves as an “in – case” situation cover.

Not suitable for: Anyone with any serious medical issues, or anyone having crossed the age of 50. Involves generally young or middle – aged people.

  1. Whole Life Insurance Policy

As suggested by the name, this category of insurance policy covers a person’s entire lifetime. The client informs the company of his recipients and pays the monthly premium his entire life. Upon his death, as per the specific insurance policy, death benefit is released to his beneficiaries, and is the most common type of policy used.

It is also good for people who are thinking long term and looking to cover their funeral expenses, as well as unburdening their loved ones.

Suitable For:

Clients between the ages of 45-85, and those with adult children and concerned with relieving their loved ones, once they themselves are gone, are recommended for a whole life policy.

Any other questions? Fill out the form below to get personalized suggestions from our experts!

Buying Life Insurance for the First Time?

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Since College students are usually less than 45 years of age, and in sound health, they can avail any life insurance policy that is affordable for them.
Our advice would be to go for a whole life insurance policy instead of “term Life Insurance” for college students. As whole Life insurance policies do not expire.

Everyone is eligible for burial insurance. The only way we would not be able to offer you a policy is if you have serious health problems under the age of 40, or over age 80. Primarily,
we have a policy for everyone between age 40-80.

You should first and foremost use proper channel to obtain a life insurance policy!most likely, through a qualified agent and reliable company.
secondly, be aware of all the underwritings that an Insurance company has and get to know all their policies thoroughly, regarding what benefits
they provide and what preconditions are there in order to gain maximum profit from the policy, before signing up for one.

When considering budgeting for Life Insurance policy, one should keep in mind all his/her monthly expenses as well as household expenditures, Minus those from your income and see
howmuch you can spare for a policy.Let not the cost of premiums you set to pay exceed your own expenses, because, if you fail to pay premiums the policy will lapse and you will lose
your coverage, different companies have different rules but generally 60 days without payment will cause the policy to lapse. All premiums paid in are lost.

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