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Comprehensive Guide to Insurance for Burial: Protecting Your Family’s Future

Planning for the future is vital, and securing Insurance for Burial is a critical step in safeguarding your loved ones from unexpected financial burdens. At, we specialize in providing affordable and reliable burial insurance solutions tailored to meet the needs of every family. Whether you’re looking for final expense insurance, funeral insurance, or a straightforward burial policy, our expert team is here to help you compare the best options. Our comprehensive guides and easy-to-use tools ensure that you find the right coverage, offering peace of mind knowing that your final wishes will be respected and your family will be financially protected.


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Where do you live?

Burial insurance, also known as funeral insurance or final expense insurance, is a type of insurance policy that covers the cost of your funeral and final expenses.

These expenses include a casket, burial plot, headstone, and other costs associated with a funeral or cremation.

Each state has its regulations and laws regarding burial insurance, so it is important to familiarize yourself with the rules in your state.

Some states may have different requirements for the types of policies that can be sold or the information that must be disclosed to consumers.

Using the tool below, you can learn about burial insurance in all 50 states by clicking on the map and selecting your state.

This will provide you with information on the specific regulations and laws that apply to burial insurance in your state, as well as any additional resources or information that may be helpful.

Click on your state for information on burial insurance


Understanding the rules and regulations in your state when considering burial insurance will help you make an informed decision and ensure that you have the coverage you need to protect your family and take care of your final expenses.

Funeral Cost Inflation Calculator

Using the information in our “Funeral Cost By State” above, find out what a funeral will cost in the future. This will make it easier to make an informed decision on the proper amount of coverage. Remember, funeral insurance will never be as cheap as it is today. Also, keep in mind of statistic mortality, for men its about 76, for women its about 81.

What is the REAL cost of your burial?

  1. Enter the cost of the funeral service you want from the results of the state you live.
  2. Enter the cost of the choice you prefer (ie. Burial or Cremation)
  3. The chart will show you the cost of a funeral based on inflation average of the last 100 years.

This should assist in making the best decision for your cost and needs in the future.

Funeral Cost Widget
Funeral Cost By State

Burial Insurance Inflation Cost Chart
Year Cost ($)

Average Cost of Funeral Services in 2024

Service Type Average High Low
DIRECT CREMATION $2,197 $9,800 $275
FULL SERVICE CREMATION $6,237 $19,300 $2,230
AFFORDABLE BURIAL $5,130 $11,800 $2,830

Data sourced from Funeralocity.

To see all our State Articles CLICK HERE.

Provider Reviews

Finding the best burial insurance carrier is crucial for ensuring that your family is protected and taken care of when you can no longer do so.

Burial insurance is designed to cover the cost of your funeral and final expenses, so it is important to find a reliable carrier that will pay out the death benefit in a timely manner.

While it may be tempting to choose the cheapest option, this is not always the best choice.

Cheap burial insurance policies may come with long delays on death benefit payouts, which can cause financial hardship for your family at an already difficult time.

Partner Provider Reviews
SBLI Trinity Life
Mutual of Omaha Aetna
Royal Neighbors American Amicable
Foresters Financial Royal Arcanum
CICA Life Liberty Bankers

It is vital to find a quality carrier with a track record of paying death benefits fast.

While this may cost a little more upfront, the peace of mind that comes with knowing your family will be taken care of is worth it.

Final Expense Companies To AVOID!

When shopping for burial insurance, you must be aware of certain carriers you may want to avoid.

Some carriers offer significantly more expensive products than the best rates available, often by 30-50% or more. These carriers may also have certain features that are not in the best interest of the senior consumer.

One type of carrier to avoid is advertising heavily on paid spokesman commercials or sending unit plans and index cards in the mail. These carriers may focus more on making a sale than finding the best coverage for you.

AVOID These Providers
Colonial Penn Globe Life Insurance
AARP Lincoln Heritage Funeral Advantage

It is also essential to be cautious of carriers that do not have a good track record of paying out death benefits. This can lead to delays and financial hardship for your family at an already difficult time.

Overall, it is crucial to research and compare different carriers before deciding.

Look for carriers that offer competitive rates and have a good reputation for paying out death benefits promptly.

By finding the best carrier, you can ensure that your family is protected and that your final expenses are covered.

To see all Carrier Reviews CLICK HERE.

Pre-Existing Health Condition?

There are several common health issues and pre-existing conditions that can affect an individual's eligibility for burial insurance. Whatever the health condition, 98% of our clients qualify for immeidate coverage with NO WAITING period.

These can include:

  1. Chronic conditions such as diabetes, heart disease, and cancer: These conditions may make it more difficult for an individual to qualify for burial insurance, as they may be considered high-risk by insurance companies.
  2. Terminal illness: Individuals who are diagnosed with a terminal illness may have difficulty obtaining burial insurance, as their life expectancy may be shortened significantly.
  3. Age: Many burial insurance policies have age restrictions, and individuals who are over a certain age may have difficulty obtaining coverage.
  4. Pre-existing conditions: Some insurance companies may exclude coverage for pre-existing conditions, or may charge higher premiums for individuals with these conditions.

Here are some of the most popular pre existing medical conditions.

🛑Experts in these health impairments 🛑

Covered Health Conditions

🛑Been declined? We need to talk 🛑

It is important to note that burial insurance policies and their eligibility requirements can vary widely. It is always a good idea to compare multiple policies and to discuss your options with a licensed insurance agent or financial advisor.

To see all Pre Existing Medical Conditions Articles CLICK HERE