Before knowing how a burial life insurance works, one must understand what a burial life insurance is. A burial life insurance is one that covers the funeral expenses. It also covers medical expenses, debts and the cost of administering probate. All that you have to do is buy the policy, pay the premiums and the benefits that are built over time are paid to the beneficiary when you die. A burial life insurance works on a simple principal. The process starts with the choosing of plan, which is best when chosen with the help of an agent. The plans differ from each other usually on the lines of different premiums. An agent helps you to find the best plan keeping in mind the kind of premium that you can afford. Burial premiums usually remain the same throughout the plan’s life even when the market fluctuates. The premiums are paid out when you die. It is similar to a savings plan, in which the funds are accumulated over time. If the plan is for years, then there can be some amount left even after the funeral. There is very little difference between burial and life insurance companies. In a burial life insurance, some companies do not push for medical examinations; the premiums do not increase and the benefits do not show a decrease in the meter. The burial insurance policy holder has the freedom to borrow from the cash value of the insurance policy. Some insurance companies provide an agent to help you decide which plan to choose. Insurance companies provide burial life insurances online and give a quote within the next 24 hours after purchase. Burial life insurances can be affordable or less expensive to life insurances and can easily be purchased in an appropriate premium amount depending on your budget. Burial life insurances can be purchased for even a baby, which has crossed 1 year. As for elderly people, there is an age limit, which is between 50-85 years.