Frequently Asked Questions About Funeral Insurance

Choice Senior Life answers the most frequently asked questions about funeral insurance and the funeral insurance process.

  • Choice Senior Life is making it easy to get funeral insurance.
  • Assisted online application anytime, anywhere.
  • Instant approvals and immediate decisions for qualified applicants.
  • Real transparent rates that are affordable.

Please feel free to call or email us at any time if you have any unanswered questions.

Most of our clients begin the funeral insurance application process by simply just getting rates and quotes. We have made the application process as easy as possible. With just a few questions you will be well on your way to being insured.

We will ask if you smoke or don’t smoke.

We’ll ask about your height and weight as well as your birth date.

If you are taking medications, we’ll want to know the names of those medications and what they have been prescribed for.

And finally we’ll ask about any medical conditions that you have seen a doctor for. 

All of these questions help us find out if you qualify for one of our affordable funeral insurance programs.

We”ll  recommend a company to you and then the funeral insurance application is taken over the phone. 

This can all be done quickly and privately. Acceptance can be immediate or take a couple of days.

Each person has individual wants and desires for their family to be secured when they pass, so there is no definitive answer. The best thing to do is estimate your funeral costs along with an amount that will give you peace of mind. Because this is for final expenses, the amount should cover the funeral costs, burial and any legacy that you would like to leave to a family member or charity. However, it is important to remember that the policy needs to fit your budget. 

In some cases it is an instant decision while you are on the phone with us. In other cases it may take a day or 2 until the paperwork is completed before you are approved. 

Either way, the policy does not go into effect until the first payment has been made.

The fact is that we use sophisticated computer systems and online processes to expedite your funeral insurance application.

Our clients usually finish the self complete funeral insurance application in under 20 minutes. With an agent online and taking your application, the process can be completed in 30 minutes.

We are always available to answer any questions you may have about.


Most of the work can be done over the phone and online in the privacy of your home. If you have an email address it is very simple to email the documents, review and sign online.

If you don’t have an email address, we will be happy to mail the completed documents to you for your signature.

Not at all. We are here every step of the way to guide you, answer your questions and help you make the best decision possible in the interest of your family. Our motto is ” It’s Your Choice For Their Future “, and we mean it. 

The fact is that we work with most of our clients online and over the phone during the process.

Yes you can buy funeral insurance for your parent (s).

You must be able to show insurable interest and the policy must be approved by the parent to be insured. 

You or the parent may be paying  the premiums. The premiums can be paid monthly, semi annually or annually. In some states a single payment can be accepted, however most of our clients opt for the monthly payment directly withdrawn.

We’ll help you through it.

What is Funeral Insurance ?

Many seniors want to know exactly what is funeral insurance ?

Funeral insurance, also called burial or final expense is about a set of products that are  intended to pay for final funeral and burial arrangements.

Many seniors use funeral insurance as a way to ensure their funeral is arranged and paid for in advance, so the burden isn’t left to their families or beneficiaries. It can also be used by parents to guarantee funeral funding for their children.

It is also commonly used by children to guarantee funeral funding for their parents.

The average cost of a funeral was more than $8,500 (including a vault), according to the National Funeral Directors Association — but that doesn’t include the cost of a cemetery plot, vault (if the cemetery requires it), headstone, flowers or obituaries, which can push the total over $10,00