Planning for the future is an act of love for your family. If you're a New Hampshire senior between the ages of 50 and 85, you may be wondering how to protect your loved ones from the financial burden of funeral costs. With the average funeral in New Hampshire costing $10,500 and cremation services averaging $5,800, many Granite State families find themselves unprepared for these significant expenses.
Burial insurance, also known as final expense insurance, offers New Hampshire residents a simple, affordable way to ensure your family won't face financial hardship during an already difficult time. These specialized life insurance policies are designed specifically for seniors and require no medical exam, making coverage accessible even if you have health conditions.
Whether you live in Manchester, Nashua, Concord, or anywhere across the beautiful Granite State, you can secure peace of mind knowing your final expenses are covered. Let's explore how burial insurance can help you and your New Hampshire family.
Why New Hampshire Seniors Choose Burial Insurance
New Hampshire is the nation's second-oldest state, with more than 1 in 4 residents aged 60 or older. This aging population faces unique challenges when it comes to end-of-life planning. Here's why thousands of Granite State seniors are choosing burial insurance:
Protection Against Rising Funeral Costs: Funeral costs in New Hampshire continue to rise each year. Traditional funerals with viewing and burial now average $10,500, not including cemetery plots or grave markers. Burial insurance locks in coverage today to protect against inflation tomorrow.
No Medical Exam Required: Unlike traditional life insurance, burial insurance with no medical exam is available to New Hampshire seniors regardless of health conditions. Whether you have diabetes, heart disease, or other health issues, you can still qualify for coverage.
Quick Approval Process: Most New Hampshire seniors are approved within 24 hours with a simple 10-minute phone call. There's no complex paperwork, no waiting for medical records, and no stressful health examinations.
Medicaid-Protected Asset: In New Hampshire, burial insurance premiums are considered Medicaid-protected assets, which can be especially important for seniors planning for long-term care while ensuring funeral expenses are covered.
Coverage Options in New Hampshire
New Hampshire residents can choose from a range of coverage amounts to match their specific needs and budget. Whether you're planning for a simple cremation or a traditional funeral service, there's a policy designed for you.
| 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 |
For many New Hampshire seniors, $5,000 coverage provides sufficient protection for direct cremation services and basic memorial arrangements. This affordable option typically costs between $30 and $60 per month, depending on your age and health status.
If you're planning a traditional funeral with viewing and burial, $10,000 burial insurance is often the right choice. This coverage level aligns closely with New Hampshire's average funeral costs and provides peace of mind that your family won't need to make difficult financial decisions during their time of grief.
For comprehensive coverage that includes funeral costs, outstanding medical bills, and other final expenses, many New Hampshire families choose $25,000 final expense plans. This higher coverage amount ensures your loved ones have financial flexibility and won't be burdened with any unexpected costs.
How to Qualify for Burial Insurance in New Hampshire
Getting burial insurance in New Hampshire is easier than you might think. The qualification process is designed to be simple and accessible for seniors throughout the Granite State.
Age Requirements
Most burial insurance policies in New Hampshire are available to residents between ages 50 and 85. If you're in your 60s, burial insurance for 60-year-olds offers excellent value with relatively affordable premiums. Those in their 70s can explore coverage for seniors over 70, while even seniors in their 80s can find final expense insurance for 80-year-olds.
No Medical Exam Required
One of the greatest advantages of burial insurance for New Hampshire seniors is that no medical examination is required. You won't need to visit a doctor's office, provide blood samples, or undergo any physical testing. Most policies offer guaranteed issue options, meaning you cannot be turned down for coverage as long as you meet the age requirements.
Some policies offer simplified issue coverage with a few basic health questions, while guaranteed issue policies require no health questions at all. Your licensed agent can help you determine which option is best for your situation.
Simple Application Process
Applying for burial insurance in New Hampshire takes just minutes. You can complete the entire process over the phone with a licensed agent who will:
- Explain your coverage options and answer all your questions
- Help you choose the right coverage amount for your needs
- Complete your application in a single, convenient phone call
- Provide instant quotes from multiple top-rated insurance companies
Understanding New Hampshire Funeral Costs
Understanding the true cost of funerals in New Hampshire helps you make informed decisions about how much coverage you need. Funeral expenses can vary significantly depending on your preferences and the services you choose.
- • Traditional Funeral & Burial: $10,500
- • Cremation Services: $5,800
- • Direct Cremation: $2,200 - $3,000
- • Cemetery Plot: $1,500 - $4,000
- • Grave Marker/Headstone: $1,000 - $3,000
A traditional funeral in New Hampshire typically includes the funeral director's basic services, embalming, viewing, ceremony, casket, and use of facilities. When you add cemetery costs including the plot, opening and closing fees, and a grave marker, total expenses often exceed $12,000 to $15,000.
Cremation has become increasingly popular among New Hampshire families, with cremation services averaging $5,800. Direct cremation, which doesn't include a viewing or formal ceremony, costs significantly less at $2,200 to $3,000. However, many families still choose to hold memorial services, which can add to the overall cost.
Why Planning Ahead Saves Money: By securing burial insurance now, you protect your family from the financial stress of funeral expenses. Funeral costs in New Hampshire have increased by approximately 13% from 2019 to 2021, and this trend is expected to continue. Your burial insurance policy locks in coverage today, ensuring your family has the funds they need regardless of future price increases.
Additionally, when families must arrange funerals quickly without pre-planning, they often make emotional decisions that lead to higher costs. Having burial insurance gives your family the financial freedom to honor your wishes without the added pressure of finding thousands of dollars during their time of grief.
New Hampshire Burial Insurance FAQs
How much does burial insurance cost in New Hampshire?
The cost of burial insurance in New Hampshire depends on several factors including your age, gender, tobacco use, and the coverage amount you choose. Generally, a 60-year-old non-smoking woman might pay $30-$50 per month for $5,000 in coverage, while the same coverage for a 75-year-old woman could cost $50-$85 per month. Men typically pay slightly more than women due to shorter life expectancy. The good news is that your premiums never increase once your policy is in place, giving you predictable costs for life.
Can I get burial insurance in New Hampshire if I have health issues?
Yes! This is one of the greatest benefits of burial insurance for New Hampshire seniors. Most policies require no medical exam, and many offer guaranteed issue coverage with no health questions at all. Whether you have diabetes, heart disease, cancer history, COPD, or other health conditions, you can still qualify for coverage. Some policies may have a two-year waiting period for natural death if you have serious health issues, but accidental death is covered immediately from day one.
What does burial insurance cover in New Hampshire?
Burial insurance in New Hampshire provides a cash benefit directly to your designated beneficiary. This money can be used for any purpose, but it's typically used to cover funeral and burial expenses including funeral home services, casket or urn, cremation or burial costs, cemetery plot, grave marker, flowers, obituary notices, and memorial services. Any remaining funds can be used for outstanding medical bills, credit card debt, or other final expenses. Your beneficiary has complete control over how the money is spent.
How quickly can I get coverage in New Hampshire?
Most New Hampshire seniors can get approved for burial insurance within 24 hours. The application process takes just 10-15 minutes over the phone with a licensed agent. Once approved, your coverage can begin immediately, though some guaranteed issue policies may have a two-year waiting period for natural death. Many simplified issue policies offer immediate full coverage from day one with no waiting period. You can check your eligibility right now and speak with a licensed agent today.
Are there age limits for burial insurance in New Hampshire?
Most burial insurance policies in New Hampshire are designed for seniors between ages 50 and 85. Some companies may offer coverage starting as young as 45 or extending to age 89, depending on the policy type. The younger you are when you purchase coverage, the lower your monthly premiums will be. Even if you're in your 80s, you can still find affordable coverage options designed specifically for your age group.
How does burial insurance differ from pre-need funeral plans in New Hampshire?
New Hampshire law requires funeral homes that offer pre-need plans to deposit funds in a bank, insurance company, or trust. While pre-need plans lock in specific services with a funeral home, burial insurance offers more flexibility. With burial insurance, your beneficiary receives cash that can be used at any funeral home in New Hampshire, and any remaining funds can be kept or used for other expenses. Pre-need plans are tied to a specific funeral home and funds may be difficult to recover if you move or change your mind.
Get Started with New Hampshire Burial Insurance
Taking the next step to protect your New Hampshire family is simple and straightforward. Here's how to get started with burial insurance today:
Step 1: Determine Your Coverage Needs: Consider your funeral preferences and estimated costs. Think about whether you prefer burial or cremation, and whether you want a traditional service or something simpler. Use the New Hampshire funeral cost averages above as a guide.
Step 2: Compare Your Options: Our licensed agents work with over 20 top-rated insurance companies to find you the best coverage at the most affordable price. We'll compare multiple options and explain the differences so you can make an informed decision.
Step 3: Speak with a Licensed Agent: Call us today at 1-619-507-3889 to speak with a licensed agent who specializes in burial insurance for New Hampshire seniors. They'll answer all your questions, provide personalized quotes, and help you complete your application in just minutes.
Step 4: Get Approved and Secure Coverage: Most applications are approved within 24 hours. Once approved, your coverage begins immediately, giving you and your family instant peace of mind.
Take 60 seconds to check your eligibility and get your free, no-obligation quote today. Our licensed agents are standing by to help you find the perfect coverage for your needs and budget.
Don't wait to protect your loved ones. Funeral costs in New Hampshire continue to rise, and the sooner you secure coverage, the lower your premiums will be. Whether you're in Manchester, Nashua, Concord, or anywhere in the Granite State, affordable burial insurance is available to you today.
Join thousands of New Hampshire seniors who have already found peace of mind through burial insurance. Your family deserves the financial protection and dignity that comes with proper planning. Get started now and take the first step toward securing your family's future.
Coverage Available in Neighboring States
We also provide burial insurance coverage in states neighboring New Hampshire. If you have family members in nearby states, they can explore their options too:
Call 1-619-507-3889 now to speak with a licensed New Hampshire burial insurance specialist, or check your eligibility online in just 60 seconds. We're here to help you every step of the way.