Should You Consider Burial Insurance When Working In A High-Risk Environment?

Updated on December 1, 2022

If you work in a high-risk environment, chances are you’ve already thought about funeral planning. It’s something that people like you should prepare for, especially knowing the fact that accidents that may lead to total disability or death can happen anytime. While it’s true that planning for these things isn’t one of the most enjoyable undertakings you’ll have in life, it’s necessary if you want to ease the stress and burden on your family’s part when something terrible happens to you in the future.

One of the challenges you’ll encounter is choosing the type of insurance you’re going to secure for yourself. While a life term insurance policy may be the most recommended one, permanent insurance, such as burial insurance, could be the best choice for you.

So, what’s burial insurance?  It’s a coverage that will help your family pay off funeral expenses, including that of cremation, when you accidentally pass away.

Should you consider burial insurance when working in a high-risk environment?  The answer is yes, and below are some of the reasons why.

It’s Affordable

Burial insurance is affordable, but only if you know where to look for the best deal. You can work with independent agents to help you find the most affordable burial insurance for seniors, and for a variety of other ages to find the one that suits you best. What they do is research the best coverage and price combination by shopping the major carriers. They’ll give you many options, and you can pick one that’s going to provide you with more coverage but comes at a better price when compared to other deals out there.

You May Qualify Even If You’re Not Between The Age of 50-85

Most people mistakenly think that burial insurance is only for the elderly. Well, if you’re concerned about your final expense protection because of working in a high-risk environment, you may still apply for one no matter how young you are at the moment. Most burial insurance providers offer final expense policies for all ages, from middle-aged, younger adults, to the elderly. Accidents and death may suddenly hit you, and you have to prepare for it regardless of your current age.

Also, the good thing about getting burial insurance at a younger age is that you can have inexpensive options to choose from for your coverage.

Burial Insurance Can Be An Income Replacement

Not many people know about it, but unlike life insurance, burial insurance gives you full control over the policy. You can customize it or tailor it to meet your unique needs; it can also serve different purposes other than as a final expense coverage. In fact, many people own one as a replacement for lost income other than for covering funeral-related costs. It’s especially crucial if you work in a high-risk environment where you can be prone to life-threatening accidents.

When you experience sudden death, how do you think your family, especially your spouse, can cope with such a tragedy financially?  Will it change their standard of living?  Chances are they’d be worse off, and they’re going to experience a financial crisis, so you have to ensure that you leave something for them. Burial insurance can get designated as a replacement for the income you otherwise would’ve earned if you’re still alive.

If you have burial insurance that can leave funds to your spouse, it will help your spouse and children get through difficult times. As you probably already know, you will lose your regular social security check once you get dismissed from employment after an accident or death, and it can make matters worse. It’s an additional burden and can cause more suffering, not only emotionally but economically as well. If you want to eliminate these problems in the future and ease the financial transition for your loved ones, a final expense plan is something that you should consider having.

You May Qualify For Coverage As A Disabled Worker

Most people think that a disability will prevent you from qualifying for final expense insurance, but it isn’t true. Carriers consider a lot of factors when coming up with a decision of whether to grant coverage for you or not, and disability alone will not be a determining factor. A lot of individuals who got forced to retire due to accidents still were able to buy burial insurance. 

While you may qualify for Social Security Disability if ever you get sick or hurt on the job and receive cash as income replacement, you will still lose all the benefits of being employed, including your life insurance. That said, it would be ideal to purchase burial insurance for you to obtain peace of mind. It will also help you make sure that your loved ones won’t pay out of their pocket to take care of your final expenses in the future.

It Builds Cash Value

Final expense insurance builds cash value, something that’s impossible with term life insurance. Having said that, you can have the chance to borrow the accumulated cash value from your plan when the need for it arises in the future. The good thing about it is that you can do anything with the money and use it for any purpose. You can pay sudden expensive bills using it, or spend it to go on a vacation trip. It’s your policy, and it’s your money, so you have full control over it.

It Serves As Protection For A Problem That Everyone Will Face At Some Point In Life

Death is inevitable, and everyone will face it in the future. It’s a problem that no one can escape from, and there’s no indication of someone finding a way to stop it anytime soon. While term life insurance coverage may be canceled due to health or age, burial insurance will only expire in the time of your death. Simply saying, it’s impossible to outlive your final expense coverage.

Death is a permanent problem, and the only way to solve it is by owning burial insurance. You can’t be sure when you will leave the world, but one thing you can get assured of is that a final expense policy will take care of the costs for your funeral when the time for you to go comes.


Burial insurance brings many benefits to the table. Whatever decision you may come up with, it’s essential that you research about the carrier, the policy type, and speak with a trusted expert so you can be sure that the coverage you’ll get is one that’s right for you.

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