{"id":357126,"date":"2025-11-07T19:27:06","date_gmt":"2025-11-08T00:27:06","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=357126"},"modified":"2025-11-07T19:27:06","modified_gmt":"2025-11-08T00:27:06","slug":"burial-insurance","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/burial-insurance\/","title":{"rendered":"The Best Burial Insurance Companies"},"content":{"rendered":"\n<p>No one wants to leave their loved ones with unforeseen expenses when they pass on. For many, the best solution is burial insurance, often called final expense \u2014 typically small face-amount whole life coverage (about $2,000\u2013$40,000) offered as simplified issue (health questions, no exam) or guaranteed issue (no health questions, graded benefits). Rising funeral prices continue to reinforce demand for portable final expense coverage, as documented in the National Funeral Directors Association\u2019s latest pricing research (<a href=\"https:\/\/www.nfda.org\/news\/media-center\/press-releases\/id\/7405\/nfda-releases-2024-member-general-price-list-study-cost-of-funeral-continues-to-rise\">NFDA 2024<\/a>). In updating this guide for 2025, we weighed current financial strength indicators (AM Best), broad customer-experience signals (J.D. Power\u2019s life insurance study), complaint patterns relative to market share (<a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a>), product breadth and riders, and digital experience trends \u2014 and cross-checked carrier visibility against independent editor roundups (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Burial Insurance Companies in 2025<\/h2>\n\n\n\n<ul><li><a href=\"#mutual-of-omaha\">Mutual of Omaha<\/a>: Best overall simplified-issue value<\/li><li><a href=\"#northwestern-mutual\">Northwestern Mutual<\/a>: Best for advisor-led guidance and satisfaction focus<\/li><li><a href=\"#colonial-penn-life-insurance\">Colonial Penn<\/a>: Best-known guaranteed acceptance; compare value<\/li><li><a href=\"#new-york-life\">New York Life<\/a>: Best planning tools and mutual strength<\/li><li><a href=\"#transamerica\">Transamerica<\/a>: Best flexible simplified-issue options<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><br><\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>Customer Experience Score<\/strong><\/td><td><strong>Financial Strength Score<\/strong><\/td><td><strong>Best for<\/strong><\/td><\/tr><tr><td>Mutual of Omaha<\/td><td>Research-backed pick (2025)<\/td><td>Benchmarked with <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power (1,000-pt scale)<\/a><\/td><td>AM Best A+ per <a href=\"https:\/\/www.mutualofomaha.com\">insurer<\/a><\/td><td>Best overall simplified-issue value<\/td><\/tr><tr><td>Northwestern Mutual<\/td><td>Research-backed pick (2025)<\/td><td>Benchmarked with <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power<\/a><\/td><td>Verify current FSR at <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a><\/td><td>Advisor-led guidance &amp; satisfaction<\/td><\/tr><tr><td>Colonial Penn<\/td><td>Research-backed pick (2025)<\/td><td>See complaint context: <a href=\"https:\/\/content.naic.org\">NAIC index (1.0=median)<\/a><\/td><td>Verify current FSR at <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a><\/td><td>Guaranteed acceptance (compare value)<\/td><\/tr><tr><td>New York Life<\/td><td>Research-backed pick (2025)<\/td><td>Benchmarked with <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power<\/a><\/td><td>Verify current FSR at <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a><\/td><td>Planning tools<\/td><\/tr><tr><td>Transamerica<\/td><td>Research-backed pick (2025)<\/td><td>Benchmarked with <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power<\/a><\/td><td>Verify current FSR at <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a><\/td><td>Flexible Terms<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Updated for 2025 using current sources, including <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power<\/a>, <a href=\"https:\/\/content.naic.org\">NAIC<\/a>, <a href=\"https:\/\/www.nfda.org\/news\/media-center\/press-releases\/id\/7405\/nfda-releases-2024-member-general-price-list-study-cost-of-funeral-continues-to-rise\">NFDA<\/a> and <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a>. Note: Several additional 2025 market leaders cited by editors include Foresters Financial (AM Best A) (<a href=\"https:\/\/www.foresters.com\/en\/why-choose-foresters\/financial-strength\">source<\/a>), Gerber Life (GIWL leader), TruStage (D2C final expense), Royal Neighbors of America, American Amicable\/iA American, Prosperity Life, and AIG\u2019s GIWL now branded under <a href=\"https:\/\/www.corebridgefinancial.com\">Corebridge\/American General Life<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overall\" title=\"Best Overall\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Mutual of Omaha: Best Overall<\/h2>\n\n\n\n\n                                                            \n            <section id=\"mutual-of-omaha\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\"><\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Best Overall<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?rvitemid=314154-20\"\n                        data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='314154' data-tag-product-name='Mutual of Omaha' data-tag-brand='Mutual of Omaha' data-tag-price='0' data-tag-subscription='month' data-tag-category=''\n                        aria-label=\"Mutual of Omaha button\" \n                        rel=\" sponsored\" >\n                                                    <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2016\/09\/Mutual-of-Omaha-Logo.png\" alt=\"Image for Mutual of Omaha Logo\" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                Mutual of Omaha\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                Mutual of Omaha\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?rvitemid=314154-20\" type=\"button\"\n                    aria-label=\"Mutual of Omaha button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='314154' data-tag-product-name='Mutual of Omaha' data-tag-brand='Mutual of Omaha' data-tag-price='0' data-tag-subscription='month' data-tag-category='' \n                    rel=\" sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Mutual of Omaha\u2019s Living Promise final expense remains a best-in-class simplified-issue option highlighted in 2024\u20132025 independent roundups for competitive pricing, broad eligibility, and fast e-application flows (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>). The company reports an AM Best A+ Financial Strength Rating for its core life insurers (<a href=\"https:\/\/www.mutualofomaha.com\">Mutual of Omaha ratings<\/a>). Consistent with industry trends, seniors benefit from instant-decision workflows and nonmedical underwriting for day-one coverage when eligible (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis 2024 life trends<\/a>). Typical final expense face amounts across the market are about $2,000\u2013$40,000, aligning with rising funeral costs (<a href=\"https:\/\/www.nfda.org\/news\/media-center\/press-releases\/id\/7405\/nfda-releases-2024-member-general-price-list-study-cost-of-funeral-continues-to-rise\">NFDA<\/a>).<\/p>\n\n\n\n<p>To learn more about this provider, check out our<a href=\"https:\/\/www.reviews.com\/insurance\/life\/mutual-of-omaha-review\/\"> full review of Mutual of Omaha.<\/a><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\"><strong>\u2713Best For: <\/strong>Fast, simplified-issue day-one coverage and strong insurer ratings<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\">\u2717 <strong>Not For: <\/strong>Applicants who only qualify for guaranteed issue (consider GIWL alternatives)<\/p>\n<\/div>\n<\/div>\n\n\n\n<ul><li><strong>AM Best: <\/strong>A+ per <a href=\"https:\/\/www.mutualofomaha.com\">Mutual of Omaha<\/a><\/li><li><strong>Customer satisfaction context:<\/strong> See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power\u2019s 2024 life insurance study<\/a> (1,000-point scale)<\/li><li><strong>Complaints:<\/strong> Compare relative intensity via the <a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a> (1.0 = national median)<\/li><li><strong>Rider landscape (marketwide):<\/strong> Many senior-focused whole life policies now include terminal illness ADB and increasingly chronic\/critical illness accelerations; details and availability vary by carrier\/state (<a href=\"https:\/\/www.americanamicable.com\">example: American-Amicable Senior Choice<\/a>).<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"customer-experience\" title=\"Best Customer Experience\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Northwestern Mutual: Best Customer Experience<\/h2>\n\n\n\n\n                                                            \n            <section id=\"northwestern-mutual-life-insurance\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\"><\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Best Customer Experience<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/\"\n                        data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='LISTCARD_Northwestern Mutual Life Insurance' data-tag-outcome='EXTERNALLINK'\n                        aria-label=\"Northwestern Mutual button\" \n                        rel=\" sponsored\" >\n                                                    <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2015\/09\/c0e190d8.jpg\" alt=\"Image for c0e190d8.jpg\" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                Northwestern Mutual\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                Northwestern Mutual Life Insurance\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/\" type=\"button\"\n                    data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='LISTCARD_Northwestern Mutual Life Insurance' data-tag-outcome='EXTERNALLINK'\n\t\t\t\t\taria-label=\"Northwestern Mutual button\"\n                    rel=\" sponsored\"\n                >\n                Learn more<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Northwestern Mutual consistently emphasizes advisor-led planning and strong service. While \u201cfinal expense\u201d may be positioned within small face-amount whole life rather than a standalone online SKU, its service reputation is frequently supported by broad consumer-satisfaction benchmarks like <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power\u2019s life insurance study<\/a>. For customers who prefer comprehensive guidance over a quick self-serve purchase, this model can be appealing \u2014 though product specifics are typically provided via an advisor conversation.<\/p>\n\n\n\n<p>To learn more about this provider, check out our<a href=\"https:\/\/www.reviews.com\/insurance\/life\/northwestern-mutual-review\/\"> full review of Northwestern Mutual.<\/a><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-6 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\"><strong>\u2713Best For: <\/strong>High-touch, advisor-led experience and long-term planning<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\">\u2717 <strong>Not For: <\/strong>Instant online quotes and self-serve checkout<\/p>\n<\/div>\n<\/div>\n\n\n\n<ul><li><strong>AM Best: <\/strong>Verify current Financial Strength Rating on <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a><\/li><li><strong>Customer satisfaction context:<\/strong> 1,000-point scale benchmarks in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">latest J.D. Power life study<\/a><\/li><li><strong>Complaints:<\/strong> Compare state\/company results in the <a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a> (1.0 = national median)<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"early-enrollment\" title=\"Best for Early Enrollment\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Colonial Penn: Best for Early Enrollment<\/h2>\n\n\n\n\n                                                            \n            <section id=\"colonial-penn-life-insurance\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\"><\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Best for Early Enrollment<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"_blank\" href=\"https:\/\/colonialpenn.com\/insurance\"\n                        data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='LISTCARD_Colonial Penn Life Insurance' data-tag-outcome='EXTERNALLINK'\n                        aria-label=\"Colonial Penn Life Insurance button\" \n                        rel=\"nofollow sponsored\" >\n                                                    <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/10\/colonial-penn-logo.png\" alt=\"Image for colonial penn logo\" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                Colonial Penn Life Insurance\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                Colonial Penn Life Insurance\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    target=\"_blank\" href=\"https:\/\/colonialpenn.com\/insurance\" type=\"button\"\n                    data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='LISTCARD_Colonial Penn Life Insurance' data-tag-outcome='EXTERNALLINK'\n\t\t\t\t\taria-label=\"Colonial Penn Life Insurance button\"\n                    rel=\"nofollow sponsored\"\n                >\n                Get a quote<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Colonial Penn is a high-visibility, direct-to-consumer brand known for guaranteed-acceptance whole life with graded benefits \u2014 a useful path if you cannot qualify for simplified issue. Editors frequently note that guaranteed-issue premiums are generally higher and benefits more limited in the first policy years compared with top simplified-issue competitors, so quote comparisons are essential (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>). Graded designs commonly pay return of premiums (often plus interest) during initial years before the full benefit matures, a tradeoff to enable acceptance without health questions (<a href=\"https:\/\/gwic.com\">Great Western: Assurance Plus example<\/a>).<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-9 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\"><strong>\u2713Best For: <\/strong>Applicants who need guaranteed acceptance and can accept graded\/ROP early years<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\">\u2717 <strong>Not For: <\/strong>Lowest premiums when you qualify for simplified issue<\/p>\n<\/div>\n<\/div>\n\n\n\n<ul><li><strong>AM Best: <\/strong>Verify current Financial Strength Rating at <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a><\/li><li><strong>Customer satisfaction context:<\/strong> Compare against <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power\u2019s benchmarks<\/a><\/li><li><strong>Complaints:<\/strong> Review relative intensity using the <a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a> (1.0 = national median)<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"calculator\" title=\"Best Final Expense Calculator\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">New York Life: Best Final Expense Calculator<\/h2>\n\n\n\n\n                                                            \n            <section id=\"new-york-life\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\"><\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Best Final Expense Calculator<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?refer=Life_New_York_Life_Spanish&#038;rvitemid=323574-20\"\n                        data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='323574' data-tag-product-name='New York Life' data-tag-brand='New York Life' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                        aria-label=\"New York Life button\" \n                        rel=\" sponsored\" >\n                                                    <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2015\/09\/be83ab3e.jpg\" alt=\"Image for be83ab3e.jpg\" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                New York Life\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                New York Life\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?refer=Life_New_York_Life_Spanish&#038;rvitemid=323574-20\" type=\"button\"\n                    aria-label=\"New York Life button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='323574' data-tag-product-name='New York Life' data-tag-brand='New York Life' data-tag-price='0' data-tag-subscription='' data-tag-category='' \n                    rel=\" sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>If you want help sizing a small face-amount whole life policy, New York Life\u2019s planning tools and calculators can assist with estimating a final expense need. As with many large mutual carriers, quotes and underwriting details for small whole life are typically provided through an agent. Marketwide in 2024\u20132025, more final expense offerings feature living-benefit accelerations (terminal illness, and increasingly chronic\/critical illness) and instant-decision e-apps to speed up approvals (<a href=\"https:\/\/www.americanamicable.com\">living-benefit example<\/a>; <a href=\"https:\/\/risk.lexisnexis.com\">e-app trend<\/a>).<\/p>\n\n\n\n<p>To learn more about this provider, check out our<a href=\"https:\/\/www.reviews.com\/insurance\/life\/new-york-life-review\/\"> full review of New York Life.<\/a><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-12 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\"><strong>\u2713Best For: <\/strong>Planning tools and mutual-company stability<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\">\u2717 <strong>Not For: <\/strong>One-click purchase without agent interaction<\/p>\n<\/div>\n<\/div>\n\n\n\n<ul><li><strong>AM Best: <\/strong>Verify current Financial Strength Rating on <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a><\/li><li><strong>Customer satisfaction context:<\/strong> See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power<\/a> life insurance benchmarks<\/li><li><strong>Complaints:<\/strong> Compare results via <a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a> (1.0 = national median)<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"flexible-terms\" title=\"Best Flexible Terms\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Transamerica: Best Flexible Terms<\/h2>\n\n\n\n\n                                                            \n            <section id=\"transamerica\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\"><\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Best Flexible Terms<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"_blank\" href=\"https:\/\/www.transamerica.com\/individual\/\"\n                        data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='LISTCARD_Transamerica' data-tag-outcome='EXTERNALLINK'\n                        aria-label=\"Transamerica button\" \n                        rel=\"nofollow sponsored\" >\n                                                    <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2015\/09\/9b04d152.jpg\" alt=\"Image for 9b04d152.jpg\" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                Transamerica\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                Transamerica\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    target=\"_blank\" href=\"https:\/\/www.transamerica.com\/individual\/\" type=\"button\"\n                    data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='LISTCARD_Transamerica' data-tag-outcome='EXTERNALLINK'\n\t\t\t\t\taria-label=\"Transamerica button\"\n                    rel=\"nofollow sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Transamerica maintains a broad agent-distribution presence in simplified-issue final expense, and it continues to appear among competitive alternatives in current editor and broker discussions (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>). As with many final expense carriers, underwriting rules and availability vary by state and age, with market-typical face amounts in the ~$2,000\u2013$40,000 range and optional riders (e.g., accidental death) used to tailor coverage.<\/p>\n\n\n\n<p>To learn more about this provider, check out our<a href=\"https:\/\/www.reviews.com\/insurance\/life\/transamerica-review\/\"> full review of Transamerica.<\/a><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-15 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\"><strong>\u2713Best For: <\/strong>Multiple simplified-issue options and flexible face amounts<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\">\u2717 <strong>Not For: <\/strong>Guaranteed acceptance (consider GIWL options like Gerber Life or <a href=\"https:\/\/www.corebridgefinancial.com\">Corebridge\/American General<\/a>)<\/p>\n<\/div>\n<\/div>\n\n\n\n<ul><li><strong>AM Best: <\/strong>Verify current Financial Strength Rating on <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a><\/li><li><strong>Customer satisfaction context:<\/strong> Refer to <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power\u2019s 2024 life study<\/a><\/li><li><strong>Complaints:<\/strong> Review relative intensity via the <a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a> (1.0 = national median)<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading:<\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/best-for-seniors\/\">The Best Life Insurance Companies for Seniors<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/types-of-policies-2\/\">Types of Life Insurance Policies<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/term-vs-whole\/\">Whole Life vs. Term Life Insurance<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com scores products, services and companies using quantifiable criteria to help readers choose the best one for them. For the life insurance companies included here, we prioritized: (1) financial strength \u2014 favoring carriers with Excellent\/Superior AM Best Financial Strength Ratings and verifying where possible on the insurer\u2019s own ratings page or <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a>; (2) customer experience signals \u2014 benchmarking with <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power\u2019s 1,000-point life insurance study<\/a> and digital experience insights (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-digital-experience-study\">J.D. Power: Insurance Digital Experience<\/a>); (3) complaint intensity \u2014 reviewing the <a href=\"https:\/\/content.naic.org\">NAIC Complaint Index<\/a> where 1.0 represents the national median; (4) product and rider breadth \u2014 noting 2024\u20132025 additions like terminal\/chronic\/critical illness accelerations and graded\/ROP structures (<a href=\"https:\/\/www.americanamicable.com\">American-Amicable<\/a>; <a href=\"https:\/\/gwic.com\">Great Western<\/a>); and (5) website\/digital functionality and speed to coverage \u2014 reflecting industry-wide instant-decision and e-app adoption (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis<\/a>). We also considered current market context: funeral costs continue to rise (<a href=\"https:\/\/www.nfda.org\/news\/media-center\/press-releases\/id\/7405\/nfda-releases-2024-member-general-price-list-study-cost-of-funeral-continues-to-rise\">NFDA<\/a>) and 2025 leaders cited by editors include Mutual of Omaha, Foresters (AM Best A) (<a href=\"https:\/\/www.foresters.com\/en\/why-choose-foresters\/financial-strength\">source<\/a>), Gerber Life (GIWL), Transamerica, Royal Neighbors, American Amicable\/iA American, Prosperity Life, TruStage, and AIG\u2019s GIWL via <a href=\"https:\/\/www.corebridgefinancial.com\">Corebridge\/American General Life<\/a> (<a href=\"https:\/\/www.forbes.com\">Forbes<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"questions\" title=\"FAQs\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">FAQs<\/h2>\n\n\n<div id=\"block_5fb5559126cdc\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is burial insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Burial insurance, also called funeral insurance or final expense insurance, is typically small face-amount <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/life\/best-whole\/\"> <span style=\"font-weight: 400;\">whole life insurance<\/span><\/a><span style=\"font-weight: 400;\"> (about $2,000\u2013$40,000) designed to cover funeral and last expenses. It\u2019s most often sold as simplified issue (health questions, no exam) or guaranteed issue (no health questions, graded benefits). These definitions align with current 2025 market briefs and editor roundups (<\/span><a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fb555b426cdd\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average burial insurance cost per month?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Premiums vary by age, health class (if simplified issue), tobacco status and the death benefit you choose. Final expense face amounts commonly range <\/span><span style=\"font-weight: 400;\">from about $2,000\u2013$40,000, and families often target $10,000\u2013$20,000 to reflect prevailing funeral costs (<\/span><a href=\"https:\/\/www.nfda.org\/news\/media-center\/press-releases\/id\/7405\/nfda-releases-2024-member-general-price-list-study-cost-of-funeral-continues-to-rise\">NFDA 2024<\/a><span style=\"font-weight: 400;\">). For a personalized price, request quotes from simplified-issue and guaranteed-issue options in your state and compare features and <\/span><a href=\"https:\/\/content.naic.org\">complaint indices (NAIC)<\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fb555c726cde\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Which is the best burial insurance provider?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There isn\u2019t a single &#8220;best&#8221; carrier for everyone. In 2025 editor shortlists and market briefs, leading simplified-issue options include Mutual of Omaha, Foresters Financial (AM Best A) (<\/span><a href=\"https:\/\/www.foresters.com\/en\/why-choose-foresters\/financial-strength\">source<\/a><span style=\"font-weight: 400;\">), Transamerica, Royal Neighbors, American Amicable\/iA American and Prosperity Life, with TruStage rising in consumer-facing lists. For guaranteed acceptance, Gerber Life and AIG\u2019s GIWL now offered under <\/span><a href=\"https:\/\/www.corebridgefinancial.com\">Corebridge\/American General Life<\/a><span style=\"font-weight: 400;\"> are consistently cited. Compare financial strength (<\/span><a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a><span style=\"font-weight: 400;\">), satisfaction benchmarks (<\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power<\/a><span style=\"font-weight: 400;\">), complaint indices (<\/span><a href=\"https:\/\/content.naic.org\">NAIC<\/a><span style=\"font-weight: 400;\">) and product features before you decide (see <\/span><a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fb555d926cdf\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What other types of insurance could include burial insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Final expense is typically sold as a standalone small whole life policy. Some carriers also offer preneed funeral insurance via funeral homes with add-ons like travel\/repatriation services and inflation-growth features (<\/span><a href=\"https:\/\/www.homesteaderslife.com\/travel-plan\">Homesteaders travel plan<\/a><span style=\"font-weight: 400;\">). State updates to anti-rebating rules allow certain value-added services to be bundled with policies (e.g., digital wills, grief support) where adopted, subject to limits (<\/span><a href=\"https:\/\/content.naic.org\">NAIC rebating modernization<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fb555ec26ce0\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How does a burial policy work?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">When you pass away, the named beneficiary receives the policy\u2019s death benefit and can use it for funeral expenses or other last costs. With guaranteed-issue or graded tiers, non-accidental deaths in the first policy years may pay return of premiums (often plus interest) before the full benefit becomes payable \u2014 review the graded\/ROP language carefully (<\/span><a href=\"https:\/\/gwic.com\">graded example<\/a><span style=\"font-weight: 400;\">). Many modern final expense policies include accelerated death benefits for terminal illness and, increasingly, chronic\/critical illness accelerations, though triggers and amounts vary by carrier and state (<\/span><a href=\"https:\/\/www.americanamicable.com\">rider overview example<\/a><span style=\"font-weight: 400;\">). Separately, regulators are moving to expand price transparency for funeral providers, which can help you right-size coverage if finalized (<\/span><a href=\"https:\/\/www.ftc.gov\/news-events\/news\/press-releases\/2024\/09\/ftc-seeks-public-comment-proposed-changes-funeral-rule\">FTC Funeral Rule proposal<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n","protected":false},"excerpt":{"rendered":"<p>No one wants to leave their loved ones with unforeseen expenses when they pass on. For many, the best solution is burial insurance, often called final expense \u2014 typically small face-amount whole life coverage (about $2,000\u2013$40,000) offered as simplified issue (health questions, no exam) or guaranteed issue (no health questions, graded benefits). Rising funeral prices [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":357128,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.php","meta":[],"categories":[1263,1270],"tags":[],"post_author":[6067],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Burial Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"Read our review of the best burial insurance policies based on their financial strength, number of available riders, cand other factors\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/life\/burial-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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