Burial Insurance for Inmates: Options and Solutions

Burial Insurance for Inmates

For incarcerated people, burial insurance gives a method to make their funeral plans worry-free. For prisoners, burial insurance can offer protection against costs such as funeral fees, burial plot costs, memorial services, and other connected costs. As it guarantees that they, their loved ones, and their communities will get care in the case of their death, it can be a helpful alternative for prisoners who cannot confer with their families on the specifics of their burial arrangements. This kind of insurance could significantly and permanently change the lives of prisoners and their loved ones. 

Burial Insurance for Inmates: What It Is and How It Works 

When an offender passes away while incarcerated, the state has to pay up to $1,000 for a simple burial. Many convicts, however, are buried in mass graves or pauper’s graves because they have no relatives or anybody to claim their bodies. If a prisoner has funeral insurance, the insurance provider will provide a more respectable burial on their behalf up to the policy’s maximum. 

The average burial insurance policy has a $10,000 cap, so that it wouldn’t pay for a funeral with a casket and gravestone. However, it would pay for a straightforward graveside service or cremation. The insurance provider occasionally covers getting the body to the funeral home or cemetery. The federal government does not offer burial insurance to prisoners. 

However, some governments provide it as a perk for inmates. For instance, California’s California Prisoners’ Benefit Authority offers burial insurance to inmates there. Inmates concluding their terms of incarceration may also get burial insurance from commercial businesses. This can be a decent choice for prisoners who are not eligible for state-sponsored insurance and do not possess funds for payment for a funeral in advance.

When contemplating funeral insurance for an inmate, there are a few considerations. First, the insurance company will payout only after the covered person has passed away. This means that the insurance policy will be void, and the beneficiaries won’t get any money if an inmate is released or imprisoned before they pass away. 

Second, there is a two-year waiting period for burial insurance coverage. This implies that the beneficiaries will not get any money if an inmate passes away within two years of the purchase. 

Third, the policies do not allow burial insurance to transfer. The beneficiary must therefore be changed, the policy must be canceled, and a new one must be purchased if the inmate wants to change beneficiaries. 

Fourth, most funeral insurance contracts demand upfront payment of the premiums. This may be an issue for prisoners who lack the funds to pay for a policy. Last but not least, before purchasing any funeral insurance coverage, it is crucial to read the tiny print. 

Drawbacks of Burial Insurance for Inmates 

For several reasons, burial insurance for inmates may not be the ideal choice for everyone. Here are a few potential negatives to take into account: 

  1. The coverage might not be sufficient to pay for a funeral in full. 
  2. The policy might not cover an inmate’s whole sentence. 
  3. The premiums could be more expensive Compared to other life insurance policies. 
  4. Death row inmates might not be eligible for coverage. 
  5. the insurance may not be paid out if the prisoner passes away naturally. 
  6. The death benefit may be subject to taxation by the beneficiary. 
  7. If the prisoner is released, it might be challenging to revoke the policy. 
  8. Another person may not be able to inherit the policy. 
  9. If the prisoner commits suicide, the death benefit may decrease. 
  10. Other limitations may be included in the policy.