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$250,000 Life Insurance Review

$250,000 Life Insurance Review

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In This Article I’m Going To Explain All The Necessary Facts And Figures You Should Consider If You’Re Looking For $250,000 In Life Insurance Coverage

Most likely you’re reading this article today because you have determined that $250,000 in life insurance coverage is what you ultimately want to get for either yourself or a loved one. However you want to make sure you get the best overall deal and price for what you ultimately end up purchasing. You also want to make sure that you buy the right kind of life insurance. If this describes your concerns, you are in the right place.

My job in this article is to cover all the important details that go into buying life insurance and to discuss why somebody would specifically buy a $250,000 life insurance program.

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation. Enjoy!

Here’s An Overview Of Today’s Topics:

Who purchases a $250,000 life insurance program?

What I have discovered being in the life insurance business since 2011 is that generally speaking, even though there’s millions upon millions of different individuals with different life stories, we all somewhat experience the same kinds of life events that cause us to seriously consider buying life insurance.

Top 7 reasons why buy $250,000 coverage of term life insurance

When I decided to purchase a life insurance product on myself, I did so because I had my kids and I realized the necessity of covering my life in case I were to pass away to be sure my children were taken care of. Along that line, let’s discuss the three most common  circumstances that motivate people to consider buying a $250,000 life insurance program.

Single with or without kids

Many times, believe it or not, single people approach me to say they feel it’s necessary to purchase life insurance and they feel a $250,000 life insurance program would be a good starting point for coverage. The reason they feel this way is because a $250,000 plan will take care of things such as final expenses and replace their income if they have children who are dependent upon them.

Coverage of $250,000 is an ample amount to take care of a lot of different obligations and concerns that you might have if you’re single and young. Generally speaking it’s also much less expensive to get this kind of coverage with most types of insurance when you are young. 

Buying $250,000 in life insurance coverage can be considered a good investment, especially if you buy it early in life because in many cases you’ll be able to lock in your premiums at a more affordable rate.

Married with or without children

One of the biggest life events that cause men and women to realize the importance of purchasing life insurance is when they get married and commit their life to each other. Why is this the case? Namely because each individual depends on the other and if one of you loses the other, your life will no doubt dramatically be changed forever.

This loss can also cause financial circumstances in which the lifestyle of your loved one will change for the negative. Add to this the likelihood that you’ll have children and you’ll have to be responsible for their welfare. If the breadwinner in the relationship passes away, it may cause disastrous and irreversible financial harm to the longevity of both the surviving spouse and family.

So many married people, whether they have children or not, buy life insurance shortly after their marriage and $250,000 for many people is a good starting point.

Along with having kids, a marriage often means people will buy a home, make financial investments, and generally take on more financial responsibility.

This is where $250,000 of coverage comes in handy because you can eliminate those debts if you have life insurance coverage as well as replace the income you were making to make life just that much more easier for your surviving spouse and family.


Many people I talk to in their thirties and forties have gotten to the point in their careers where they’re seeing advancements to their income because of promotions. But along with these promotions comes more obligations.

They may have a bigger house which means a bigger mortgage. They may have a higher income level to support their lifestyle, which means they’ll need more life insurance coverage to protect against their potential early demise. When an individual reaches a point where the financial obligations are increasing, this is a great opportunity to upgrade the existing life insurance plan or add an additional life insurance policy to the life insurance program.

And many people will buy a smaller amount than what they originally started with to compliment what they already have. Meaning, in many cases people will buy $250,000 in life insurance to add as a supplementary policy onto a policy that they already have.

If you find your lifestyle is getting an upgrade, you definitely need to consider purchasing life insurance because as your lifestyle increases, your obligations increase as well.

If you already have a plan in place, as your obligations increase your plan will become outdated and potentially obsolete. It may not provide as much full coverage as you’d like to have near retirement or at retirement either.

Top 5 FAQ For People Buying $250,000 in Life Insurance

1.Can I qualify for $250,000 amount of life insurance?
In short the answer totally depends on what your health and age is.

2.Why is $250,000 dollars in coverage a good amount?
You will find in some circumstances that the older you are and the less healthy, defined as a significant chronic illness, you may be less likely to qualify for the higher amounts of coverage. However if you are just looking for enough to take care of final expenses, such as a burial insurance plan, you will find that this rule doesn’t necessarily apply and you’ll have more flexibility for smaller amounts of coverage as opposed to larger amounts of coverage.

3.Why is $250,000 dollars in coverage a good amount?
The answer to that question ultimately comes down to what your personal goals are. We here at Buy Life Insurance for Burial we deal with people from all walks of life. There are some people who want just enough to take care of their final expenses. Usually a good amount to start at is around $25,000 or less.

 Others want to replace their income and take care of financial obligations such as their mortgage and other debts. That will vary dramatically. It could be as little as a quarter of a million. It could be as high as multi-millions. Ultimately it will come down to some custom tailoring to a solution based off of your personal goals in combination with your budget to come up with a solution.

4.What if I need more coverage?
Usually people ask this question because they want more but can’t necessarily afford more and that’s fine. Personally I believe the most important thing in this business is to get some kind of coverage on the books. Something is better than nothing. Second of all many clients of mine that I deal with start by buying some coverage and then adding more as time passes on as much as their budget allows. So look at this as a piecemeal solution. It’s just important to get started and then add more as time goes on.

5.What type of life insurance is best to buy?
This comes down to what your goals are. Term insurance is the most common source of insurance and it is commonly used to cover issues such as covering temporary obligations like mortgages, financial debts, and the like. Whole life and guaranteed universal life insurance is great for circumstances where a permanent solution is needed to a permanent problem.

For example, we all know we are going to die and that is going to be a problem because we have to pay for the burial and other final expenses. Whole life and guaranteed universal life plans do a good job of taking care of that.

No other options available 
Guaranteed acceptance life insurance is great when there are no other options available because chronic health issues preclude other options.

Do I need to take an exam? 
In most cases an exam is optional except when you have large amounts over the $400,000 to $500,000 threshold. Under that it is totally optional.

A lot of companies don’t even require an exam anymore with certain amounts of coverage. So if you are scared of needles and don’t want to take the physical know that there are options that are more convenient and conducive for a person who just wants to apply and have them check their medical records.

Case Study Examples

Recent Wedding and Health Concern

A particular client reached out to me just a week after his wedding. Both he and his wife were concerned about not having insurance and realized if either of them were to pass away it would leave a financial burden on the other person.

Wanting to solve this worry, they contacted me looking for $250,000 in term life insurance coverage. The only stumbling block was that the husband had type 2 diabetes. He was managing his sugar levels, but still had to take insulin shots every day.

He was concerned that this health issue would prevent him from getting affordable coverage. Thankfully he contacted Buy Life Insurance for Burial and we were able to shop around to find him a policy that not only gave him great coverage, but also met his budget requirements.

Every person’s situation is unique, and there are no guarantees of coverage, but we do our best to get all of the individuals who come to us dependable coverage from day one that gives them peace of mind in knowing if they pass away earlier than expected, their loved ones will be taken care of.

Policy Price Hike

A middle aged woman contacted us at Buy Life Insurance for Burial recently to tell us that she had kept up with regular insurance payments for a number of years on her life insurance, but had all of the sudden received a notice that her premium rate was going to increase significantly.

She couldn’t afford the rate increase because she was on a fixed budget. She also had blood pressure problems and had to medication to keep her high blood pressure under control.

The good news is that she thought to contact us when she was notified her rates were going to increase. We were able to look at a number of different options that, despite her blood pressure history, offered a great alternative to the policy she currently owned.

She was very happy with the switch and found her new term insurance policy was manageable on her fixed budget. 

Here at Buy Life Insurance for Burial we do our very best to help people like you get affordable coverage that meets your needs and budget. We can shop a number of companies to find the policy that’s right for your particular circumstances and have expert brokers on hand to answer any questions you might have during the application process.

Popular reasons to purchase $250,000 in insurance coverage

I you don't have life insurance you have zero protectionNow that you understand the type of people who purchase a life insurance program and what life events are most common to inspire people to do so, let’s shift gears and focus specifically on the reasons why people buy life insurance.

Cover final expenses

If you are at or near retirement and you’ve considered the cost of burial or cremation and other final expenses that require regular payments such as a mortgage, you may find that a $250,000 life insurance plan is a good idea.

Typically, final expenses are what we call permanent obligations. They’re the type of expenses that you know are guaranteed. Thus, it’s important to get a life insurance plan that will permanently cover those obligations.

We’ll talk later about the recommended type of life insurance plans to purchase if you want to maximize permanent protection.

Cover a mortgage

Most people have a mortgage. And many times when people purchase a mortgage, they realize it’s a large financial obligation. If they were to pass away, it may be a big burden for the surviving family to continue making the payments.

And worst case scenario, if the surviving family cannot pay their mortgage because the income has changed dramatically and they didn’t have life insurance in place, they could potentially have to move out of their house or sell their house at a steep discount, putting an already financially burdened family back that much more.

The solution to this risk is to purchase a $250,000 life insurance plan to cover said mortgage. Many people who purchase a mortgage purchase a term life insurance plan that corresponds with the length of time the mortgage is going to be repaid.

That’ why a 20, 25 and 30 year term life insurance plan is popular with those who have a mortgage and are looking to match the time period of commitment. So if you’re looking for mortgage coverage, you may want to consider a term life insurance product to give you the best overall deal.

Replace your income

Replacing your income is a big deal. If you’re younger and have many years left to live, you may have wondered what would happen if you die earlier than expected and all the financial goals you had in place to protect and take care of your family were lost.

If you don’t properly plan for the potential of an early or unexpected death, your family will suffer the consequences and be in a position where they will have to go down the economic ladder. This is why a $250,000 plan with the goal of replacing your income that you otherwise would have earned if you were alive is a good purchase decision.

A $250,000 life insurance coverage plan allows your family to receive a lump sum death benefit, to take care of all the financial goals that you had in place with the income you provided, and allows for a smoother transition while your family adjusts to a lifestyle without the breadwinner.

Protect a retirement plan

Many times a life insurance purchase is made to ensure that retirement funding is adequately covered. For example, you’ve probably invested in a 401k on an annual or regular basis or have a pension program. If you die before those plans are fully funded, it has an immediate impact on your surviving spouse and kids

A quarter million dollar life insurance plan may be able to help offset some of those financial losses you would see to your investment strategy. 

Some people purchase life insurance, not just for the death benefit, but also for the unique tax advantages in the cash value portion of the life insurance plan that can be used advantageously, at any point in life as well as in retirement. These are what we call supplemental life insurance retirement plans.

They aren’t a replacement for a retirement strategy, such as a 401k, but they are supplemental in nature. They allow an individual to accumulate a retirement strategy that has much less risk and exposure to the ups and downs of the stock market. Typically, we’ll use whole life insurance products to accomplish this or we use the index universal life insurance products which give exposure to the market without the downside risks.

If you’re interested in one of these kinds of plans, or would like to learn more, give us a call at Buy Life Insurance for Burial and we’ll be happy to assist.

A legacy

Maybe you’re an older person and want to make sure that the people you leave behind such as your family, kids or grandkids are properly taken care of with a lump sum payout. Many times people purchase life insurance simply to satisfy that legacy and take care of the people that they love.

Business continuity

If you’re a small business owner or are self employed and you have a partner or a key person in your business, it may be a prudent investment to purchase a life insurance plan. This provides liquidity to keep your business afloat if either a key man or partner were to pass away.

The concept of these plans are simple. Let’s first start with a buy-sell agreement with a partner. Here’s how it works:

Insurance is taken out with the beneficiary being the partner’s family. The insured person is the partner and the corporation pays for the coverage.

Along with that life insurance plan is a legal document that stipulates a buyout provision, which states upon the death of the partner there will be a payoff to the surviving heirs for their portion of the shares left behind upon the partners passing. This allows the business to continue smoothly and gives you full ownership to continue the business.

Similar to that, a key man life insurance policy is used when you have a key and important person in your business. It’s not always necessarily a partner that your business would suffer financially without if they were to pass away earlier than expected. You might also have a key man that is important to the survival of your business.

For this kind of coverage the corporation is the beneficiary so that they receive a lump sum of money upon the passing of the key person to offset the potential loss of vendors and customers. This also gives the company time to find an adequate replacement. All of this is designed to allow for a smoother transition if you experience the loss of a critical person in your organization.

Also, as a business owner, you may seek financing and find a bank requires that you carry life insurance, so a $250,000 life insurance plan may be an adequate to cover against a capital loan and satisfy the bankers request.


At the end of the day, regardless of what reason you have in mind to purchase a life insurance plan, I am under the persuasion that life insurance ultimately is an act of love. Life insurance is funny in the sense that when you purchase coverage, you don’t actually see any benefit from it until in many cases you’re dead. So in order for somebody to actually want to cover somebody in that circumstance, they really have to love them, right?

So if  you understand that this is why you want to buy life insurance – because you love your wife, you love your kids, you love your business,  and you love the people around you – you have a pretty good justification for buying insurance.

Stories from the Field

We often hear from clients that have been declined due to different kinds of health issues. I wanted to detail some of the health issues our expert brokers work with when trying to get quality coverage for clients. If you or a loved one suffers from any of these conditions, feel free to get in touch and see what kind of coverage you might be able to qualify for through Buy Life Insurance for Burial. 

Many people who have COPD, or related issues such as chronic bronchitis or asthma, believe they won’t qualify for coverage or the rates will be too high to afford. We here at Buy Life Insurance for Burial have helped many clients get burial and regular insurance at an affordable rate even with their pre-existing COPD issues.

More and more of the population is being diagnosed with diabetes. Those who have it know it can be difficult to qualify for life insurance coverage.I had one client who took 50 unites of insulin twice a day and we were still able to qualify him for life insurance coverage at a rate that fit within his budget restrictions. 

Those who have a history of cancer can often struggle to get coverage, but with the passage of time it becomes easier to find carriers who will accept their application. Buy Life Insurance for Burial works with a number of carriers who offer coverage to cancer survivors. The longer the cancer has been in remission, the better chance you have of qualifying. 

4.Liver or kidney problems
People who have a history of liver or kidney problems such as cirrhosis of the liver, hepatitis C, or chronic kidney issues come to us with the concern that they will be denied coverage.

Luckily we work with a diverse group of carriers, some of whom will approve those who have liver or kidney issues for preferred first day coverage.

5.Heart problems
If you have had a heart attack or stroke or have had an operation to put in stints or a pacemaker you may worry that you won’t qualify for coverage.  

The truth is, with the passage of time it becomes more easy to get coverage, even with heart problems. Buy Life Insurance for Burial has worked with many clients who have a history of heart problems and we have been able to get them quality coverage at a fair price.

Neurological health issues
We have worked with many clients who suffer from systemic lupus SLE, Parkinson’s disease, or multiple sclerosis and were able to get them first day full coverage.

Behavioral health problems
If you suffer from depression, bipolar disease, schizophrenia, PTSD, or anxiety we have a number of carriers that are willing to work with behavioral health issues and offer first day full coverage at an affordable rate.

If you or a loved one has any of the conditions above, don’t lose hope regarding life insurance coverage. We have a number of carriers who work with clients with a variety of health issues, offering them quality coverage at an affordable rate.      

Types of $250,000 life insurance programs available

In this section I’m going to talk about the specific types of life insurance products available in addition to the pros and cons of each product. Depending on your circumstances, certain types of products may or may not meet your needs, so its important to know what they will and won’t provide.

There will also be a section at the end providing  sample rate charges that demonstrate what can be purchased for $250,000 in life insurance.

Case study examples

First Child

A young woman recently contacted Buy Life Insurance for Burial because she had recently had her first child. The experience made her realize how important it was to ensure her child would be taken care of financially should she die earlier than expected. While this client was very keen to get life insurance, she was worried she would be declined because of her weight.

While she was not extremely over weight, she did have a weight problem she had struggled with most of her life.

Because this young lady contacted a broker like us at Buy Life Insurance for Burial we were able to get her qualified for great coverage at an affordable price. She was happy with the option we presented and got first day full coverage.

Though we can’t guarantee everyone who applies will qualify for this type of coverage under these circumstances, we certainly believe we offer the best opportunity to find great coverage at an affordable premium to take away the worry of leaving loved ones behind without financial stability. 

Business Owner

A client who had recently started his own business gave us a call to see if he could qualify for life insurance that would cover a bank loan. He was uncertain as to how the application processed worked, but knew he needed to get coverage in order for the bank to approve his loan.

The only foreseeable issue was that this gentleman had a history of blood pressure problems.

Though he had done a good job of keeping his blood pressure under control, he was taking medication on a regular basis to regulate it. Despite his history of high blood pressure, Buy Life Insurance for Burial was able to get him approved for a policy that met his business loan requirements.

We shopped among the most competitively priced companies to find coverage that was both affordable and met his life insurance goals. While no one can guarantee that you will be eligible for insurance to cover a bank loan, we do our best to find  if you match the same circumstances.

What we can promise at Buy Life Insurance for Burial is that we’ll do our best to get you the best combination of price and coverage for your life insurance so that you get as much peace of mind as possible knowing that your loved ones are protected and covered in case you die prematurely and unexpectedly.  

Term Life Insurance

Term life insurance is a life insurance product that provides temporary life insurance coverage over a temporary period of time. Term life insurance plans range from 10, 15, 20, 25 and 30 year terms.

Reasons why people buy term life insurance

You pay a set rate for the entirety of the term plan in most programs, and if you die before the term insurance period is up, then a death benefit of $250,000 is paid to the beneficiary of your choice.

The pros of term insurance include that for every dollar of premium you get the most coverage relative to other natural death coverage products like universal and whole life insurance. Also since many people purchase life insurance for temporary reasons such as funding or replacing future income or replacing a a retirement plan, term insurance is the most popular type of insurance coverage.

However, it’s not the best type of coverage in many cases. I wouldn’t necessarily recommend term insurance if you have a permanent need for coverage such as final expense coverage or if you have a business continuity buy-sell plan in place where you need to always have some sort of vessel in place to finance a buyout provision. Also, term insurance doesn’t necessarily answer the entire problem or concern of having adequate capital on hand to take care of the full funding arrangement.

One of the biggest drawback of term insurance is that there’s a good chance you will outlive coverage.  Most likely you’ll purchase term based off of the affordability as well as the temporary nature of your need.

See the charts below for a quarter million dollars in term life insurance plans, for 10 year term preferred rates and the best company on offer. Please understand these are sample rates that are subject to change. In order for you to qualify or be eligible for term insurance, you have to take an exam and apply to see what your eligibility is.

10-Year Term Life Insurance, Best Price On Quoter



Whole Life Insurance

Whole life insurance is the opposite of term life insurance. Whole life insurance is designed never to cancel due to age or health. And in many cases, the premiums can be designed specifically to never go up in price or may reach a point where the actual whole life plan is paid in full, which means you do not have to make payments anymore but you can keep the coverage. 

Whole life insurance is most commonly used for supplemental life insurance retirement plans because there’s a cash value component that dividends are paid into which increase the cash value. It can also be used in business continuity plans to ensure that there’s always a cash source to allow for a buyout provision between partners.

The biggest drawback to whole life insurance is that for each dollar of coverage, you’re going to find it’s five to 10 times more expensive in price than a term life insurance product. So while many people appreciate the values and guarantees that whole life insurance provides, they are unable to afford the monthly cost. 

See below for an example of whole life insurance coverage rates. These rates are subject to change and do not guarantee coverage.

Whole Life Insurance Rates, Life Pay



Universal life insurance

Universal life insurance is a unique product that’s designed to give advantages similar to term insurance as well as whole life insurance. For example, people buy a universe life plan because there’s a level of flexibility in premiums.

So if something bad were to happen to your finances and you were unable to make payments, you can adjust the premium payment schedule downwards. Likewise, if you have good financial years where you want to pay more you can do so and experience advantages from a cash value perspective later on.

Many people purchase universal life insurance plans for similar reasons as they purchase whole life insurance, such as to supplement retirement plans using an index universal life concept, as well as to  fund a buy-sell arrangement in a partnership business.

The drawbacks of universal life plans are that they take a lot more management and assessment over time than a whole life insurance plan does. They can also cost substantially more than term insurance.

Too many times I’ve come across clients who had universal plans that were not properly designed or managed. As a consequence they experienced huge rate increases because they were improperly funded and not strategically designed from the start. So tread lightly when looking at universal life plans. If you do decide to go this route, make sure you design a plan that is appropriate to meet your goals.

Universal Life Rates, UL to 100 (ULA100) 



Accidental life insurance programs

You can also purchase a $250,000 accidental plan that is super cheap, very affordable and supplements life insurance coverage by enhancing the accidental death benefit payout.

The problem with these kinds of plans is that accidental life insurance only pays out if an accident occurs and many times they cut coverage or cancel by the time a person reaches the age of 70 to 75, so it’s just not fully comprehensive.

I only recommend accidental life insurance coverage if there’s no other options available because of health or if somebody specifically wants to enhance their already comprehensive life insurance package with extra accidental coverage.

Accidental Life Insurance Rates


Three top strategies to get the best $250,000 life insurance program

In this section, I’m going to talk about the specific things you need to be concerned with in your search for $250,000 in life insurance coverage. Whatever you end up purchasing, whether it’s $250,000 in term life insurance or whole life insurance, you want to make sure you get the overall best package that accomplishes your goals.

Work with a broker

Life insurance is not the type of product that you want to go to one particular company to buy. Many life insurance companies have very stiff underwriting and you may find if you have a health history or you have a weight issue or high blood pressure that your eligibility for insurance will be dramatically and adversely affected both in price and coverage.

If you’re only working with what we call a one trick pony – an agent that only has access to one product – instead of a broker that has access to a multitude of different life insurance companies, it will be difficult for you to get the best $250,000 life insurance program available.

If you work with a broker they will take your particular health, lifestyle and insurance goals into consideration and see which company will custom tailor the best overall package.

In many cases my clients will save hundreds of dollars a year in their premiums and get more coverage for less premium when they work with a broker.

Define your goals

It’s also important to clearly define your goals from the onset to make sure when you purchased life insurance that you end up with the right type of life insurance program as well as coverage to meet your budget and goals.

If you don’t set goals ahead of time, you may face a period of time later in life where you doubt the necessity of having insurance, and if you are not firm in your convictions, you may end up wasting a lot of money on life insurance that you won’t end up keeping. Don’t be that guy.

There are a lot of people out there who just buy the first thing that’s shown to them and they figure out later that it’s a waste of money. I’d rather you not buy life insurance at all if you’re not convinced you need it.

Clearly define your budget

We mentioned it’s important to define your coverage goals, but you also need to be sure to define your budget. There’s no reason to purchase life insurance you can’t afford because again, you will just end up dropping it because it will reach a point where it just doesn’t make sense financially to keep making payments.

Instead, find a budget that you can afford, whether that be $50, $100 or more. It doesn’t matter to me as your agent. What matters to me is that you know a number that you can easily afford and keep because that’s the only way a life insurance policy is worth having. So establish your budget and determine if you can afford $250,000 at a reasonable amount without altering your life dramatically.

Factors that affect qualification for a $250,000 life insurance program

At this stage in the game, we need to cover what factors exist that may adversely affect your capability of qualifying for life insurance. As you can imagine, life insurance qualification standards are based around different aspects of your life.

And the life insurance company’s goal is to find people who represent the least amount of risk so that they can offer them the best rates. So what follows in this sections are the different types of factors that affect your insureability.


Health is one of the biggest components for determining your insureability. When you qualify for life insurance, generally the healthier you are the better the price is going to be. However, if you’ve experienced health problems in your past, don’t worry. This is where a broker, like us here at Buy Life Insurance for Burial, come in.

We represent a variety of different life insurance companies. We are in the position to see which companies have the winning policies that will give you overall better prices. And there have been many circumstances where I worked with clients that were in poor health and they still got quality coverage simply because we have a network of high quality companies that provide different levels of flexibility and coverage.

So work with a broker like us at Buy Life Insurance for Burial if your health is not necessarily the greatest, but you want to get coverage in place. We work with a number of products and companies to find you the best overall value for your money.


Like health, your age will have an impact on your eligibility for coverage. The older you are, generally the more you will pay. However, this hearkens back to the need for a broker because different companies charge different rates at different ages, so you need to work with a broker who can find the companies that are more lenient towards your age group.


In my opinion, if you are looking for $250,000 in coverage, unless you’re in the 60 and older category, it’s not really necessary to do an exam application. A $250,000 plan is not a lot of coverage for most insurance companies to insure so often they do not consider an exam a necessary component unless you are in the older age range where you will find that there is a difference between medical based results on pricing versus non-medical results.

Based on pricing, it may make more sense if you’re older to consider taking an exam to possibly give you a better price, especially if you’re in good shape.


Smoking has a direct impact on your insurance, and if you do smoke nicotine based products, you’ll probably see a surcharge to your premium. However, if you smoke cigars, cigarillos pipes or tobacco, you may be eligible for companies that charge you non nicotine rates. This gives you the advantage of essentially falling under a nonsmoker rate and you will pay a lot less than if you were to apply for other companies that lump all tobacco use at tobacco rates.

Height & weight

David Duford, owner of buy life insurance for burial with son Goofball

My goofball son and I thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

The ratio between your height and weight will have an impact on your eligibility for coverage. If you feel that your weight may be an issue, don’t worry. Many companies have grown to become more accommodating towards those who have weight based problems and allow for some level of flexibility at different height ranges for different weights.

Look at your life insurance coverage and have a broker shop around to see who’s going to be the most advantages to approach for coverage if weight is an issue.

Profession or hobbies

Your professions and hobbies have an impact on your level of insureability. The more risky your profession or hobby, the more likely you may experience what we call a flat extra, which is a surcharge on your premiums to accommodate for your risky profession or hobby.

If you feel that your hobby or profession is risky and you’re trying to apply for $250,000 in life insurance coverage, make sure you discuss this with your broker. At Buy Life Insurance for Burial we can help you find out which companies will be more accommodating to your risky profession or hobby.


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