Planning for the future is one of the most thoughtful gifts you can give your loved ones. For Colorado seniors, securing burial insurance means your family won't face the burden of unexpected funeral expenses during an already difficult time. With the average funeral in Colorado costing $9,700, having a plan in place provides invaluable peace of mind.
Burial insurance, also known as final expense insurance, is specifically designed for Colorado residents aged 50-85 who want to ensure their funeral and final expenses are covered. Unlike traditional life insurance, burial insurance offers simplified approval, affordable premiums, and no medical exam required for most policies. Whether you're in Denver, Colorado Springs, or anywhere across the Centennial State, coverage is available to protect what matters most.
Getting started is simple. Most Colorado seniors complete their application in just 10 minutes and receive approval within 24 hours. With coverage amounts ranging from $5,000 to $25,000, you can choose the protection level that fits your needs and budget.
Why Colorado Seniors Choose Burial Insurance
Colorado families understand the importance of planning ahead, especially when it comes to managing the high costs associated with end-of-life expenses. Burial insurance offers Colorado residents specific advantages that make it an increasingly popular choice for financial planning.
Protection Against Rising Funeral Costs: Funeral expenses in Colorado continue to rise year after year. With traditional funeral services averaging $9,700 and even cremation services costing around $5,300, having dedicated coverage ensures your family won't need to dip into savings or go into debt. Your policy locks in your coverage amount today, providing a guaranteed benefit regardless of future cost increases.
No Medical Exam Required: Most Colorado seniors qualify for guaranteed issue burial insurance with no medical exam. This means even if you have pre-existing health conditions like diabetes, heart disease, or COPD, you can still get approved. The simplified application process asks basic health questions, and many applicants receive immediate approval.
Fixed Premiums That Never Increase: Once you're approved, your monthly premium stays the same for life. Whether you're 55 or 85, you'll never see your rate go up due to age or health changes. This predictability makes budgeting easier for Colorado seniors on fixed incomes.
Fast Benefit Payout: Unlike some insurance policies that take weeks to process, burial insurance typically pays benefits within 24-48 hours of claim approval. This quick payout ensures your family has immediate access to funds when they need them most, covering funeral home costs, burial plots, and other final expenses without delay.
Coverage Options in Colorado
Colorado residents can choose from several coverage levels based on their individual needs and budget. Here's a breakdown of the most popular options:
| Coverage Amount | Best For | Monthly Premium Range |
|---|---|---|
| $5,000 | Basic cremation, simple services | $30 - $60/month |
| $10,000 | Traditional funeral, burial plot | $55 - $110/month |
| $25,000 | Full funeral, final expenses, debts | $125 - $250/month |
$5,000 Coverage: This entry-level option is ideal for Colorado seniors who prefer cremation or want to cover basic funeral services. A $5,000 burial insurance policy typically covers cremation costs ($5,300 average in Colorado), a basic memorial service, and related expenses. It's the most affordable option with monthly premiums often starting around $30-$60 depending on your age and health.
$10,000 Coverage: The most popular choice among Colorado families, a $10,000 burial insurance policy provides comprehensive coverage for a traditional funeral service and burial. This amount covers the state average funeral cost of $9,700 plus additional expenses like flowers, obituary notices, and other final costs. It strikes the perfect balance between affordability and complete coverage.
$25,000 Coverage: For those who want maximum protection, a $25,000 final expense plan covers not only funeral and burial costs but also outstanding medical bills, credit card debt, and other final expenses. This comprehensive coverage ensures your loved ones inherit your legacy, not your debt.
How to Qualify for Burial Insurance in Colorado
Qualifying for burial insurance in Colorado is remarkably simple compared to traditional life insurance. Here's what you need to know:
Age Requirements
Colorado burial insurance is available to residents between the ages of 50 and 85. Whether you're just entering your retirement years or well into your 80s, coverage options are available. Burial insurance for 60-year-olds typically offers the most competitive rates, but seniors in their 70s and 80s can still find affordable coverage.
For those wondering about age-specific options, we offer tailored solutions: coverage for seniors over 70 and even final expense insurance for 80-year-olds. Age is just a number when it comes to protecting your family.
No Medical Exam Required
One of the biggest advantages of burial insurance is that most policies require no medical exam, blood work, or physical. The application process involves answering a few simple health questions over the phone. Many Colorado seniors with conditions like high blood pressure, diabetes, or heart disease still qualify for coverage.
Guaranteed issue policies are available for those with serious health conditions. While these may have a waiting period (typically 2-3 years), they ensure that every Colorado resident can secure coverage regardless of their health history.
Simple Application Process
Getting covered takes just three easy steps. First, you'll speak with a licensed agent who will explain your options and answer your questions. Second, you'll complete a brief application (usually 10 minutes or less) with basic information and simple health questions. Finally, most applicants receive approval within 24 hours and coverage begins immediately.
Understanding Colorado Funeral Costs
Understanding the true cost of funeral services in Colorado helps you make informed decisions about how much coverage you need. The average traditional funeral in Colorado costs $9,700, but this figure can vary significantly based on your choices and location within the state.
A traditional funeral typically includes the funeral home's basic services, transportation of remains, embalming and preparation, use of facilities for viewing and ceremony, a casket, burial vault, and graveside service. In metropolitan areas like Denver and Boulder, costs tend to run higher than in smaller communities. Additional expenses such as flowers, obituary notices, death certificates, and memorial products can add $1,000-$2,000 to the final bill.
- • Traditional Funeral & Burial: $9,700
- • Cremation Services: $5,300
Cremation has become increasingly popular in Colorado, with costs averaging $5,300. This option typically includes the cremation process, a basic urn, and may include a memorial service. However, even cremation costs can increase if you choose a premium urn, wish to scatter ashes in a special Colorado location, or want to hold a celebration of life ceremony.
Planning ahead with burial insurance locks in your benefit amount at today's rates. Even if funeral costs in Colorado rise to $12,000 or $15,000 in the coming years, your policy's death benefit can be used to cover those expenses. This forward-thinking approach protects your family from inflation and ensures they have the resources they need without financial stress.
Beyond the immediate funeral costs, many Colorado families face additional end-of-life expenses including outstanding medical bills, final month's rent or mortgage, credit card balances, and legal fees. A comprehensive burial insurance policy can help cover these costs, ensuring your family doesn't inherit financial burdens during their time of grief.
Colorado Burial Insurance FAQs
How much does burial insurance cost in Colorado?
The cost of burial insurance in Colorado depends on several factors including your age, health, and the coverage amount you select. On average, a healthy 60-year-old Colorado resident might pay $50-$80 per month for $10,000 in coverage. A 70-year-old might pay $80-$130 per month for the same amount. Premiums are fixed and will never increase, making it easy to budget. The best way to get an accurate quote is to speak with a licensed agent who can provide personalized pricing based on your specific situation.
Can I get burial insurance in Colorado if I have health issues?
Yes! Most Colorado seniors qualify for burial insurance even with pre-existing health conditions. Policies are available with simplified underwriting that doesn't require a medical exam. Common health issues like diabetes, high blood pressure, heart disease, and COPD typically don't disqualify you from coverage. For those with more serious health conditions, guaranteed issue policies are available that accept all applicants regardless of health status. These policies may have a waiting period, but they ensure everyone can get coverage.
What does burial insurance cover in Colorado?
Burial insurance provides a tax-free cash benefit to your beneficiaries that can be used for any purpose. Most families use it to cover funeral and burial costs, including funeral home services, casket or urn, burial plot, headstone, cremation, memorial service, flowers, and obituary notices. The benefit can also be used for other final expenses like outstanding medical bills, credit card debt, mortgage payments, or any other costs your family may face. Your beneficiaries have complete flexibility in how they use the funds.
How quickly can I get coverage in Colorado?
Most Colorado seniors receive approval within 24 hours of applying. The application process itself takes just 10-15 minutes and can be completed over the phone. Once approved, your coverage typically begins immediately, though some guaranteed issue policies may have a waiting period of 2-3 years for the full death benefit. Your first premium payment activates your policy, and you'll receive your policy documents in the mail within 7-10 days.
Are there age limits for burial insurance in Colorado?
Burial insurance in Colorado is available to residents aged 50-85. Some carriers may have slightly different age ranges, but most accept applicants up to age 85. The earlier you apply, the lower your premiums will be. A 55-year-old will pay significantly less than a 75-year-old for the same coverage amount. However, even seniors in their 80s can find affordable coverage options designed specifically for their age group.
Is burial insurance worth it for Colorado residents?
For most Colorado seniors, burial insurance provides essential financial protection and peace of mind. When you consider that the average funeral costs $9,700 in Colorado, having dedicated coverage ensures your family won't face financial hardship during an already emotional time. Is burial insurance worth it? If you want to avoid burdening your loved ones with unexpected expenses, the answer is yes. The modest monthly premium is a small price to pay for the security and dignity it provides.
Get Started with Colorado Burial Insurance
Taking the first step to protect your family is easier than you might think. Here's how Colorado residents can get started with burial insurance today:
Step 1: Determine Your Coverage Needs. Consider your funeral preferences, any outstanding debts, and what you want to leave for your family. Think about whether you prefer burial or cremation, and what type of service you envision. Our licensed agents can help you calculate the right coverage amount based on current Colorado funeral costs and your specific wishes.
Step 2: Get Your Free Quote. Call our team at 1-619-507-3889 to speak with a licensed agent who specializes in Colorado burial insurance. They'll ask a few simple questions about your age, health, and coverage preferences to provide accurate pricing. There's no obligation, and the consultation is completely free. You can also check your eligibility online in just 60 seconds.
Step 3: Complete Your Application. Once you've decided on a coverage amount, your agent will guide you through a simple 10-minute application. You'll answer basic health questions, provide beneficiary information, and choose your payment method. Most applications are completed over the phone at your convenience.
Step 4: Get Approved and Activate Coverage. Most Colorado seniors receive approval within 24 hours. Once approved, your coverage begins immediately upon your first premium payment. You'll receive your policy documents by mail, and your family will have the financial protection they deserve.
Don't wait to secure your family's financial future. Every day without coverage is a day your loved ones could be at risk of facing overwhelming funeral expenses. Colorado residents across the state—from Fort Collins to Pueblo, Grand Junction to Aurora—trust burial insurance to provide the peace of mind they deserve.
Whether you're looking for basic cremation coverage or a comprehensive final expense plan, we have options that fit your needs and budget. Learn more about how burial insurance can protect what matters most, or speak with an agent today to get your personalized quote.
If you have family or friends in neighboring states, we also offer comprehensive coverage in Alaska, California, and Hawaii.