Can Smokers Obtain Burial Insurance?

When you plan your future finances, you may want to consider purchasing burial insurance. No matter if you have another life insurance policy or coverage in place, you can opt for this coverage. Your burial life insurance can serve as a whole life insurance policy that protects you from other expenses, including the payoff of debts or ongoing living expenses of survivors or dependents.

To qualify for burial insurance, you typically need to answer some questions to give more information to the insurer. This information may include an individual’s gender, age, number of dependents, and whether you’re a smoker. Note that the question regarding smoking may sound irrelevant to you, but it may affect your eligibility for burial insurance. 

The good news is that if you’re a smoker, you can qualify for burial insurance. However, you may have to pay more premium price for that policy than the one who doesn’t smoke. By seeking the assistance of an insurer who has access to various insurance carriers, you can find a better premium rate.

Finding reliable burial insurance coverage is always beneficial, whether you are a smoker or non-smoker. 

Burial Insurance Coverage

Burial insurance is often referred to as funeral insurance. Many people call it final expense insurance because it offers coverage to provide funds to pay an individual’s funeral service. It includes coverage for all the related costs.

These costs typically include everything from a burial plot or cremation, an urn, a casket to the funeral services. Moreover, the service can also provide coverage for embalming of the body, transportation to the graveyard, flowers, and another final interment, such as printing and distributing funeral notices.

The funeral funds ensure that your loved ones won’t have to dip into their savings or put bills on credit to pay for the funeral charges. 

Obtaining Burial Insurance if you Smoke

As mentioned above, if you’re a smoker, you can still qualify for final expense insurance. However, you need to keep in mind that the premium amount a policyholder has to pay is more than a policy of non-smoker. Except for this, the burial insurance policy has all the same features and benefits as the regular insurance coverage.

That means it is crucial to fill your burial insurance coverage application honestly. If you’re a smoker, you must not lie about this in your insurance application. We say this because the final insurance policy doesn’t accurately reflect the insurance brokerage’s true risk. 

Also, suppose the insurance company discovers it later that you lied about your smoking habit or stated that you’re not a smoker, even though you’re. In that case, it can alter the policy or, worse yet, cancel it altogether.

Bottom Line

In a nutshell, purchasing a burial insurance policy or another type of whole life insurance coverage is often overwhelming. One of the variables you must consider is “smoking” when buying the policy as it may affect the charges you pay to your insurance company.

You can consult licensed representatives at Senior Life Services to find more about this variable.