As the title states, searching for any type of burial/end-of-life insurance to cover a 99yo woman in NJ. Non-smoker, relatively healthy: been on blood thinners for the past few years; typical arthritis. Someone directed me to search for “end of life” insurance but every site I’ve come across doesn’t go past 85 or 90. I’d like to get her set up with something in place as she has no coverage nor substantial savings to cover funeral expenses if she were to pass. Thanks in advance.
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Nope. Doesn’t exist.
If it did it would cost $990 per thousand dollars of insurance.
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The best bet for you is a funeral pre- need plan. You can make the arrangements with any local funeral home.
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This is exactly why these benefits are there. Call the company, ask for the claims department, and tell them you want to file an Accelerated Death Benefit claim (it might have a different name on your policy). The paperwork should guide you on what documentation you need.
If the policy is over 2 years old, the process should move quickly if you submit all the required documents.
Be persistent—call every week and escalate to a manager if the process is slow. Any good company should understand the urgency of your situation.
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Yes, I have an appt scheduled to meet with a home next week. Someone, who knew how old she is, was adamant about getting funeral expense coverage, so I thought it may have been a possibility. 
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Unfortunately, she has already beaten the odds by quite a bit. I know that sounds tough, but it’s not a risk anyone will take. However, funeral pre-need plans can be very helpful in this situation.
Also, treat planning the funeral like you would when shopping for a car—everything is negotiable. You shouldn’t have to spend more than $10k for a really nice funeral. You also have the advantage of not being in a rush.
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I’m curious if you’re a relative, friend, or maybe an agent. Most Americans live to their mid-80s, and I often tell people it’s important to start planning for funeral expenses by mid-life (around their 40s). I’m sorry she’s in this situation. Many people I know are low-income and end up fundraising for funerals because no one planned or made arrangements in advance.