Get affordable IDR Insurance plans that help cover funeral expenses, medical bills, and outstanding debts—providing peace of mind for seniors and families.
IDR’s simple, permanent whole life insurance is designed to cover funeral and end-of-life expenses. Your premiums stay locked for life, and coverage lasts a lifetime—as long as premiums are paid.
Get full day-one coverage with IDR Insurance for those who qualify. Enjoy IDR Insurance’s best rates and immediate full death benefit for those who meet health qualifications.
Permanent Coverage: IDR’s whole life policy guarantees premiums and benefits for life.
Immediate Benefit: Full face amount available from day one for both natural and accidental causes.
Best For: Applicants with controlled health conditions or generally good health.
Typical Coverage Amounts: Approximately $5,000–$40,000+ (varies by age and eligibility).
Optional Riders: Accelerated/terminal illness benefit, accidental death benefit; availability may vary.
IDR Insurance provides partial coverage for the first 2 years, with full benefits starting afterward. IDR Insurance is ideal for those with moderate health conditions when immediate full coverage isn’t an option.
Permanent Coverage: IDR whole life insurance with level premiums and lifetime protection.
Limited Period: For non-accidental death in the first 1–2 years, the payout is typically a percentage of the face amount or a premium refund with interest; full benefit applies afterward.
Accidental Death: Generally covered at full amount from day one.
Best For: Applicants with recent or moderate health conditions.
Typical Coverage Amounts: Around $5,000–$35,000 (varies by age and eligibility).
IDR Insurance offers guaranteed approval—no health questions required for eligible ages. IDR Insurance provides coverage even for those with serious health challenges or previous declines.
Permanent Coverage: IDR whole life insurance with fixed premiums that build cash value over time.
Two-Year Waiting Period: For non-accidental death in the first 1–2 years, the benefit is usually a return of premiums paid (often with interest). Full benefit applies after the waiting period.
Accidental Death: Typically covered at full amount from day one.
Best For: Applicants with major or multiple health conditions.
Typical Coverage Amounts: Around $2,000–$25,000 (varies by age and eligibility). Common issue ages: 40–85; carrier rules may vary.
IDR Insurance offers a small whole life policy with lifelong coverage and premiums that never increase.
Key Details
Coverage Amounts: IDR policies provide modest coverage, typically $5,000–$30,000+, to help cover final bills and funeral services.
Issue Ages & Underwriting: Available across a wide age range, with many simplified or no-exam options. Health questions may determine eligibility for full or graded benefits.
Policy Type: Small whole life insurance—lifetime coverage with guaranteed level premiums.
Benefits: Pays cash directly to your beneficiaries, who can also assign a portion to a funeral home if needed.
Cash Value: Builds modest cash value over time; coverage remains intact as long as premiums are paid.
Optional Riders: Accelerated/terminal illness benefits (if available), accidental death, and limited child or grandchild riders.
Waiting Periods: Graded or modified plans may limit natural-cause payouts during the first 1–2 years.
Taxes & Estate: Death benefits are generally income-tax-free to beneficiaries. State rules and estate considerations may vary—consult a tax or estate professional.
Pre-Need vs. Final Expense: Unlike pre-need policies that tie you to a single provider, IDR Final Expense Insurance keeps funds flexible for any end-of-life costs.
Next Steps:
Decide on a coverage amount to cover final bills and services.
Confirm eligibility (age and health) and choose level or graded benefits.
Designate owner, insured, and beneficiaries; add contingents and keep information updated.
Ask about funeral home assignment options and how claims are paid.
Secure an IDR Insurance policy for a parent today to prevent unexpected costs and simplify paperwork later.
Key Details
Ownership & Beneficiaries: Set the child as the policy owner and payer, list beneficiaries, and include a contingent beneficiary.
Funeral Home Assignment: Proceeds can be assigned to pay the funeral provider directly.
Policy Type: Typically a small whole life policy—lifetime coverage with guaranteed level premiums.
Coverage Amounts: Commonly $5,000–$30,000+ (varies by age, carrier, and state).
Underwriting: Simplified issue with many no-exam options. Health questions determine eligibility for full or graded benefits.
Benefits: Pays cash directly to beneficiaries; a portion can be assigned to a funeral home if desired.
Cash Value: Builds modest cash value over time; policy value never decreases as long as premiums are paid.
Optional Riders: Accelerated/terminal illness benefits (where available), accidental death, and limited child/grandchild riders.
Waiting Periods: Graded or modified plans may limit natural-cause payouts during the first 1–2 years.
Taxes & Estate: Proceeds are generally income-tax-free for beneficiaries. State rules and estate considerations may vary—consult a tax or estate professional.
Pre-Need vs. Final Expense: Unlike pre-need policies that lock you to one provider, IDR Final Expense Insurance keeps funds flexible for any end-of-life costs.
Next Steps:
Decide on a coverage amount to cover final bills and services.
Confirm eligibility (age and health) and select level or graded benefits.
Assign owner, insured, and beneficiaries; add contingents and keep contact info updated.
Ask about funeral home assignment options and how claims are paid.
IDR Insurance offers flexible underwriting, providing graded benefits when full level coverage isn’t approved.
Key Details
Level vs. Graded Benefits:
Level Benefit: Pays the full face amount immediately for applicants approved at standard or preferred rates.
Graded/Modified Benefit: Pays limited benefits during the first 1–2 years for natural causes; accidental death is usually covered in full.
Policy Type: Small whole life insurance—lifetime coverage with guaranteed level premiums.
Coverage Amounts: Typically $5,000–$30,000+ (varies by carrier, age, and state).
Underwriting: Simplified issue with many no-exam options. Health questions determine eligibility for level or graded benefits.
Benefits: Pays cash directly to beneficiaries; portions can be assigned to a funeral home if desired.
Cash Value: Builds modest cash value over time; policy value does not decrease as long as premiums are paid.
Optional Riders: Accelerated/terminal illness benefits (where available), accidental death, child/grandchild riders (limited).
Waiting Periods: Graded or modified plans may limit natural-cause payouts during the first 1–2 years.
Taxes & Estate: Death benefits are generally income-tax-free. State rules and estate considerations may vary—consult a tax or estate professional.
Pre-Need vs. Final Expense: Unlike pre-need policies tied to one provider, IDR Final Expense Insurance keeps funds flexible for any end-of-life costs.
Next Steps:
Determine the coverage amount needed for final bills and services.
Confirm eligibility (age and health) and select level or graded benefits.
Designate owner, insured, and beneficiaries; add contingents and keep contact info updated.
Ask about funeral home assignment options and how claims are paid.
IDR Insurance builds a guaranteed cash reserve to help your loved ones avoid financial stress during difficult times.
Key Details
Permanent Coverage: Lifetime protection with guaranteed premiums and modest cash value accumulation.
Flexible Use: Can be used with any funeral home; unlike pre-need contracts, policy benefits can cover broader end-of-life expenses.
Policy Type: Typically a small whole life policy—lifetime coverage with guaranteed level premiums.
Coverage Amounts: Usually $5,000–$30,000+ (varies by carrier, age, and state).
Underwriting: Simplified issue with many no-exam options. Health questions determine eligibility for level or graded benefits.
Benefits: Pays cash directly to beneficiaries; portions can be assigned to a funeral home if desired.
Cash Value: Builds modest cash value over time; policy value does not decrease as long as premiums are paid.
Optional Riders: Accelerated/terminal illness benefits (where available), accidental death, child/grandchild riders (limited).
Waiting Periods: Graded or modified plans may limit natural-cause payouts during the first 1–2 years.
Taxes & Estate: Death benefits are generally income-tax-free. State rules and estate considerations may vary—consult a tax or estate professional.
Pre-Need vs. Final Expense: Unlike pre-need policies tied to a single provider, IDR Final Expense Insurance keeps funds flexible for any end-of-life costs.
Next Steps:
Decide on the coverage amount needed for final bills and services.
Confirm eligibility (age and health) and select level or graded benefits.
Assign owner, insured, and beneficiaries; add contingents and keep contact information updated.
Ask about funeral home assignment options and how claims are paid.
Select an IDR Insurance benefit amount that meets your needs—typically from a few thousand up to tens of thousands—and get pricing in minutes.
Answer a few simple health questions—no medical exam required for most applicants—and IDR Insurance handles the carrier, forms, and follow-ups for you.
Once approved and the first premium is paid, your IDR whole life policy is active for life. Premiums remain level, and benefits are paid tax-free to your beneficiaries.
Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.
Trusted by customers worldwide for dependable service and exceptional results.
“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”
“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”
“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”
IDR Final Expense Insurance, also called burial or funeral insurance, is a whole life policy that helps cover funeral, burial, cremation, medical bills, and other end-of-life costs. Benefits are paid directly to your loved ones to ease their financial burden.
Most IDR policyholders select $5,000–$25,000 in coverage to cover funeral costs and small debts. For extra family support, higher benefit amounts are also available.
IDR Insurance is generally available to applicants aged 50–85. Some plans ask a few simple health questions, while others offer guaranteed acceptance with no medical exam.
Most IDR Final Expense policies are either simplified issue—with a few health questions—or guaranteed issue, requiring no health questions or medical exam.
IDR Insurance premiums vary by age, health, coverage amount, and gender, but are generally affordable and designed for fixed incomes, often starting at $25–$50 per month.
IDR Final Expense Insurance: Smaller coverage, easier approval, designed for funeral and end-of-life expenses.
IDR Traditional Life Insurance: Larger coverage (hundreds of thousands), more extensive underwriting, intended for income replacement and long-term financial planning.
With IDR Insurance, you designate a beneficiary—such as a spouse, child, or other family member. The payout goes directly to them, which they can use for funeral expenses or other financial needs.
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Call: (636) 556-5555, (314) 499-8888
Mail: support@idrinsurance.com
Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005
Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368
