My Mother Doesn't Have Enough Insurance To Bury Her. Can I Take Out Life Insurance On Her To Help Pay For Expenses? 
There are many final expense policies that do not require any exam , that you could take out on your mother to assist with her funeral and burial expenses . Your mother will need to sign the application , and she may need to do a phone interview in order to be approved for the policy . The type of policy that requires a phone interview may have a slightly lower cost , and more importantly , pay 100 % of the death benefit from day one for death by any reason -LRB- except suicide in the first two years -RRB- . If she is unwilling or unable to do the phone interview , there are guaranteed issue policies available in most states that can be obtained without a phone interview . They will have a 2-3 year `` graded '' period where premium is returned if death occurs during the first years due to natural causes , or pay a percentage of the death benefit for death due to natural causes during the first 2-3 years . These policies are available in face amounts from $ 1,000 to $ 25,000 + . The perfect amount to supplement your mother 's policy so that her burial expenses can be covered in full . 