Are you looking for burial insurance? Whether you’re over age 50 or planning for your funeral and final expenses, many people each day are considering the purchase of a burial plan. However, but they may be under the impression that once they reach their 60’s or 70’s they are too old to get affordable insurance to pay for their funeral.

According to the National Association of Funeral Director’s ( 2010 General Price List Survey, the average cost of an adult funeral is $6,560, not including cemetery and monument/markers.

Thinking about your own funeral leaves most people feeling a little uneasy, but more adults are finding that pre-planning their funeral offers great emotional and even financial security for them and their families.

You may believe you’re to old or have health issues that would keep you from qualifying for life insurance because maybe you wouldn’t pass a physical exam required by a life insurance company.

Or, maybe you believe you wouldn’t benefit from buying a plan to provide for your burial costs and funeral.

If you have loved ones you want to provide for after you’re gone, life insurance can be the financial tool to accomplish your goal. Burial plans can provide money for your family to help pay for your funeral, burial expenses, and pay off any debts you may leave behind.

But, how can you get affordable burial and funeral insurance?

One way is to compare life insurance quotes for the amount of coverage you feel you need. Whether it’s $7,500 or $50,000 of coverage, you can request free life insurance quotes online from a quote service on the internet.

Online insurance quote providers can also connect you with local brokers in your area to help you compare rates and apply for coverage if you choose.

One type of burial plan available today is simplified issue life insurance. This type of coverage offers up to $30,000 of life insurance with no medical examination required. To qualify you answer some health questions and your answers will help the insurance company to determine if you qualify for coverage.

You answer some basic questions and the quote provider gives you an instant quote. If you like your quote you can apply online and begin your insurance plan the same day. You can even get coverage for your spouse, if needed.

Some of these policies are offered by well-known insurance companies, including Globe Life, Colonial Penn, Mutual of Omaha, and New York Life, among others.

It’s important to understand some of these insurance policies are graded benefit plans, meaning your full coverage does not take effect until you have been insured for at least 2 years.. However, with Globe Life Insurance the full coverage starts from the first day you buy your policy.

You may want to compare rates and plans from several insurance companies to find the most affordable burial and funeral insurance coverage. Make sure to consider the A.M. Best financial strength rating of the carrier. Look for a company with a financial rating of “A” excellent, or better. This rating indicates the insurance company’s ability to meet their financial obligations.

For more information see this page.

Having a debt sent to collections is never fun. Aside from the additional fees that typically get tacked on to a debt once it is sold to a collections agency, the methodologies employed by many collections agencies in an attempt to recover a debt such as persistent contact, threats, and menacing letters make for an all around miserable experience.

Along with the hassle of having to deal with a collections agency, having a debt sent to collections also has another negative and often times longer lasting consequence: a lowered credit score. On top of the late payments that have probably already been recorded on your credit reports, when a debt is sent to collections, this may also be recorded on your credit reports and can have a very serious effect on your score.

Fortunately, you may be able to get this collections account removed from your credit reports much sooner than it would fall off naturally if you were to simply wait the 7 years for it to fall off naturally.

Collections agencies have the ability to hurt your credit score by adding negative items to your credit reports, but they really don’t have any interest in your credit score beyond that. They know you care about your credit score and will use it as another tool to get what they want, however, unlike lenders or credit card companies who use your credit score to determine interest rates, a collections company’s interest in your score doesn’t go beyond its utility as a method of coercion. Put simply, once a collections agency gets their money, they don’t have an interest in your credit score.

This is an advantage for you because you may be able to bargain for a better credit score. Before paying off a delinquent debt to a collections agency, or any other creditor who has added negative items to the credit bureaus, try to negotiate a payment for deletion. In exchange for paying off your debt, request that the collections agency remove any negative items they have added to your credit reports. They have the power to do so (anyone who says otherwise is either mistaken or trying to mislead you), and since they are more interested in getting their money than the condition of your credit file, you may find that collections agencies are more responsive than you would think. Just make sure to get any arrangements in writing in case they drop the ball and you need proof of the deal.

Even if you are unable to arrange a payment for deletion, you may still be able to get late payments, collections, and other negative items removed from your credit reports. Taking advantage of a myriad of consumer protection laws, there are a number of credit repair methods you can use to try getting damaging information deleted from your credit reports. You can work to repair your credit yourself or with the assistance of one of the many reputable credit repair companies such as Eastpoint Recovery Group providing services today.