Planning for the future is one of the most thoughtful gifts you can give your family. If you're a Wisconsin resident between the ages of 50 and 85, you understand the importance of ensuring your loved ones won't face financial hardship when the time comes. Burial insurance provides peace of mind, covering funeral expenses and final costs so your family can focus on celebrating your life rather than worrying about bills.
In Wisconsin, the average funeral costs $9,600 for a traditional burial service, while cremation averages $5,200. These expenses can place a significant burden on families who aren't prepared. That's where burial insurance comes in—a specialized final expense policy designed specifically to cover funeral costs, burial expenses, and related final bills. With coverage options ranging from $5,000 to $25,000, you can choose the protection that fits your needs and budget.
Wisconsin seniors appreciate the simplicity and accessibility of burial insurance. Most policies require no medical exam, offer guaranteed approval, and provide coverage within 24 hours. Whether you live in Milwaukee, Madison, Green Bay, or rural Wisconsin, affordable burial insurance is available to help you protect your family's financial future.
Why Wisconsin Seniors Choose Burial Insurance
Wisconsin families value tradition, community, and taking care of one another. Burial insurance aligns perfectly with these values by ensuring you won't leave your loved ones with unexpected financial obligations. Here's why thousands of Wisconsin seniors have chosen burial insurance as part of their final expense planning:
Protection Against Rising Funeral Costs: Funeral expenses in Wisconsin continue to rise each year. By securing burial insurance today, you lock in coverage that will be available when your family needs it most, regardless of future cost increases. The average $9,600 funeral cost can easily exceed $12,000 or more when you include cemetery plots, headstones, flowers, and other memorial expenses.
No Medical Exam Required: Many Wisconsin seniors worry that health issues will prevent them from getting coverage. With guaranteed issue burial insurance that requires no medical exam, you can qualify regardless of pre-existing conditions. Whether you have diabetes, heart disease, or other health concerns, coverage is available to you.
Fast Approval and Simple Application: The application process takes just 10-15 minutes over the phone with a licensed agent who understands Wisconsin residents' needs. Most applicants receive approval within 24 hours, and coverage can begin immediately. There's no complicated paperwork, no medical tests, and no waiting months for a decision.
Affordable Monthly Premiums: Burial insurance premiums remain fixed for life, so your monthly payment never increases. Wisconsin seniors typically pay between $30 and $250 per month depending on coverage amount and age. These predictable payments make it easy to budget and ensure your protection stays in place.
Coverage Options in Wisconsin
Choosing the right coverage amount depends on your specific needs, budget, and the type of final arrangements you prefer. Wisconsin residents can select from several coverage levels designed to match different funeral preferences and financial situations:
| 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 burial insurance coverage works well for Wisconsin seniors who prefer cremation or simple memorial services. This coverage typically handles basic cremation costs ($5,200 average in Wisconsin), a modest memorial gathering, and some additional final expenses like obituaries or flowers.
$10,000 final expense insurance is the most popular choice among Wisconsin families planning traditional funerals. This coverage amount comfortably handles the state's average funeral cost of $9,600, plus burial plot expenses, a headstone, and other memorial costs. It provides comprehensive protection without excessive premiums.
$25,000 final expense plans offer maximum protection for Wisconsin seniors who want to cover all funeral costs plus outstanding debts, medical bills, or leave an inheritance for loved ones. This higher coverage ensures your family has financial breathing room during a difficult time.
How to Qualify for Burial Insurance in Wisconsin
Qualifying for burial insurance in Wisconsin is remarkably simple compared to traditional life insurance. The process is designed specifically for seniors, with minimal requirements and maximum accessibility.
Age Requirements
Wisconsin burial insurance is available to residents aged 50 to 85 years old. Whether you're just turning 50 or already celebrating your 85th birthday, coverage options are available. Many Wisconsin seniors in their 60s, 70s, and even 80s are securing affordable final expense coverage to protect their families.
No Medical Exam Required
One of the biggest advantages of burial insurance is that most policies don't require a medical examination. You won't need to schedule a doctor's appointment, undergo blood tests, or provide detailed medical records. The application consists of simple health questions answered over the phone with a licensed agent. This makes guaranteed issue burial insurance with no medical exam ideal for Wisconsin seniors with health concerns like diabetes, heart disease, cancer history, or other conditions.
Simple Application Process
Getting burial insurance in Wisconsin takes just three easy steps. First, you'll speak with a licensed agent who will explain your coverage options and answer your questions. Second, you'll complete a brief application over the phone (typically 10-15 minutes). Third, you'll receive approval—usually within 24 hours—and your coverage begins immediately upon your first payment.
Understanding Wisconsin Funeral Costs
Wisconsin families face significant expenses when planning funeral services for loved ones. Understanding these costs helps you choose the right amount of burial insurance coverage to fully protect your family from financial stress.
- • Traditional Funeral & Burial: $9,600
- • Cremation Services: $5,200
A traditional funeral and burial in Wisconsin averages $9,600, but this figure only includes basic services. When you add cemetery plot costs ($1,000-$4,000), a headstone or grave marker ($1,000-$3,000), flowers ($200-$500), obituary notices ($200-$500), and other memorial expenses, the total easily reaches $12,000 to $15,000 or more. Without burial insurance, families often struggle to cover these unexpected costs.
Cremation services in Wisconsin cost an average of $5,200, making them a more affordable alternative to traditional burial. However, cremation still involves significant expenses including crematory fees, an urn, memorial services, and final disposition of ashes. Many families choose cremation but still want a meaningful memorial service, which adds to the overall cost.
Planning ahead with burial insurance offers substantial financial advantages. First, you lock in today's coverage amounts even though funeral costs will continue rising. Second, you pay affordable monthly premiums instead of leaving your family to find thousands of dollars quickly. Third, your loved ones can focus on grieving and celebrating your life rather than worrying about how to pay for your funeral. This peace of mind is invaluable to Wisconsin families.
Beyond funeral and burial costs, burial insurance can help cover other final expenses that families often overlook. Outstanding medical bills, credit card debts, mortgage payments, utility bills, and legal fees can all create financial challenges after a loved one passes. Adequate burial insurance coverage ensures these obligations don't burden your family during an already difficult time.
Wisconsin Burial Insurance FAQs
How much does burial insurance cost in Wisconsin?
Burial insurance premiums in Wisconsin typically range from $30 to $250 per month depending on your age, health, and desired coverage amount. A 60-year-old Wisconsin resident might pay $55-$75 per month for $10,000 of coverage, while an 80-year-old might pay $150-$200 for the same benefit. Your exact premium is determined during your application process, and it remains fixed for life—never increasing as you age.
Can I get burial insurance in Wisconsin if I have health issues?
Yes! Most burial insurance policies in Wisconsin are guaranteed issue or simplified issue, meaning you can qualify even with serious health conditions. Whether you have diabetes, heart disease, COPD, cancer history, or other medical issues, coverage is available. You won't be denied based on pre-existing conditions, and you won't need to undergo a medical examination. This makes burial insurance accessible to virtually all Wisconsin seniors aged 50-85.
What does burial insurance cover in Wisconsin?
Burial insurance provides a cash benefit paid directly to your designated beneficiary upon your passing. Your beneficiary can use these funds for any purpose, though they're specifically designed to cover funeral expenses, burial or cremation costs, cemetery plots, headstones, memorial services, and other final expenses. The benefit can also pay outstanding debts, medical bills, or any other financial obligations. Your family has complete flexibility in how they use the funds.
How quickly can I get coverage in Wisconsin?
Most Wisconsin residents receive approval within 24 hours of applying for burial insurance. The application process takes just 10-15 minutes over the phone, and coverage typically begins immediately upon your first premium payment. Some policies include a waiting period (usually 2-3 years) for natural causes of death, though accidental death is covered from day one. Guaranteed immediate coverage policies are also available for higher premiums.
Are there age limits for burial insurance in Wisconsin?
Burial insurance in Wisconsin is available to residents aged 50 to 85 years old. You must apply before your 86th birthday to qualify. There's no minimum waiting period—you can apply as soon as you turn 50. Many Wisconsin seniors find that applying earlier results in lower monthly premiums, though coverage remains accessible and affordable even for those in their 70s and 80s.
Is burial insurance worth it for Wisconsin residents?
For most Wisconsin seniors, burial insurance provides excellent value and peace of mind. Given that the average funeral costs $9,600 in the state, burial insurance protects your family from significant financial burden. The fixed monthly premiums are budget-friendly, and the guaranteed approval process makes coverage accessible to everyone. If you want to ensure your family won't struggle with funeral expenses or final bills, burial insurance is definitely worth considering.
Get Started with Wisconsin Burial Insurance
Protecting your Wisconsin family with burial insurance is simple, fast, and affordable. Here's how to get started today:
Step 1: Check Your Eligibility. Take our quick 60-second eligibility quiz to see which coverage options are available to you based on your age and location in Wisconsin. There's no obligation, and you'll get instant results.
Step 2: Speak with a Licensed Agent. Our licensed burial insurance specialists understand the unique needs of Wisconsin seniors. They'll explain your coverage options, answer your questions, and help you choose the right policy for your situation. Call us today at 1-619-507-3889 to speak with an agent who serves Wisconsin residents.
Step 3: Complete Your Application. The application takes just 10-15 minutes over the phone. You'll answer a few simple questions, choose your coverage amount and beneficiary, and receive approval typically within 24 hours. Your coverage begins as soon as you make your first premium payment.
Wisconsin families deserve financial protection and peace of mind. Whether you're planning for yourself or helping an aging parent, burial insurance ensures your loved ones won't face unexpected funeral expenses during an already difficult time. With coverage options from $5,000 to $25,000, no medical exam requirements, and affordable monthly premiums, there's never been a better time to secure your family's future.
Don't wait until it's too late. Thousands of Wisconsin seniors in Milwaukee, Madison, Green Bay, Kenosha, Racine, Appleton, Waukesha, Eau Claire, Oshkosh, Janesville, and throughout the state have already protected their families with burial insurance. Join them today and experience the peace of mind that comes from knowing your final expenses are covered.
If you have family members in neighboring states, we also offer comprehensive coverage throughout the Midwest. Learn more about burial insurance in Illinois, burial insurance in Iowa, and burial insurance in Indiana to help protect your entire family across state lines.