Get The Best Burial Insurance In California In 2024

Pondering how to buy burial insurance in California may not top everyone’s list of pleasant topics, but it’s undeniably a crucial part of comprehensive future planning.

You might find yourself facing questions like “What does a burial funeral in California cost?” or “What are the expenses associated with cremation in the Golden State?”

Delving into burial insurance, a specific form of simplified issue whole life insurance, provides answers to these concerns.

In California, this type of coverage is designed to shoulder your funeral and burial costs, helping to alleviate the financial burden on your loved ones.

Pinpointing your precise rate class is key to securing the most favorable rates.

Our objective? To equip you with the information you need to make the best decision for your unique needs. So let’s dive in!

What Is Burial Insurance in California?

Again, burial insurance in California is a type of insurance that helps cover the costs of your final expenses. Such as your funeral, burial, and other related costs.

This type of insurance can help ease the financial burden on your loved ones in the event of your death. It is so important to talk to an independent agent for an instant burial quote.

To receive the lowest burial insurance quote California the best way to achieve this is by talking to an agent that can compare your profile to multiple carriers to find the best option.

There are many different types of burial insurance available in California. And the best option for you will depend on your individual needs and circumstances.

Some policies only cover your funeral costs, while others may also cover your burial and other related expenses. It’s important to know the difference.

Why Is Burial Insurance In California So Important?

Burial Insurance California is so important because the costs of funerals and burials can be very expensive. In fact, burial insurance over age 70 starts to get pricey.

The average price of a funeral in California is $7,000, and the average cost of a burial is $3,000. These costs can add up and be a financial burden on your loved ones if you don’t have a plan.

Burial insurance California can help ease the financial burden on your loved ones by covering the costs of your funeral and burial. This insurance can also help ensure you receive the memorial you desire.

Loved ones may also use funds from your policy to pay down credit card balances, medical bills, or other debts.

 If you’re looking for burial insurance in California, it’s important to compare different policies.

Be sure to read the policy carefully and understand the terms and conditions before purchasing it.

How Much Burial Insurance Do I Need In California?

The amount of Final Expense insurance California that you will need will depend on your individual needs and circumstances.

Some factors to consider include the cost of your funeral and burial, the number of dependents you have, and your outstanding debts.

Generally, it would help if you bought a policy worth at least 5 to 10 times your annual salary.

It will ensure that your loved ones have enough money to cover your final expenses and any other debts or expenses you may have.

What Is The Average Cost Of Burial Insurance California?

The cost of Burial insurance California for people between 45 and 90 is affordable if you get it early, even with coverage of $10,000. That’s for same-day coverage.

A variety of factors can affect how much you receive as a benefit, including your age, sex, your health status, and income.

Most burial insurance policies for seniors will not need an examination. But plans without health questions tend to cost more than those requiring health verification and come with a waiting period.

Younger people and females generally pay less for burial insurance. The more benefits you receive, the higher your monthly premiums will be. Here are some examples

Rate Classes For Burial Insurance

  • Level: Immediate Coverage with NO Waiting Period, Preferred/Standard available
  • Graded: Fraction of the death benefit in the first 2 years (Disqualifying health Issues for Level)
  • Guaranteed Issue: No questions asked, guaranteed approval, 30-50% more in price, 2-4 year waiting period.

Cost of Burial Insurance In California

Applicant Age and Insurance Prices


Age of Applicant $5,000 $10,000 $15,000


Age of Applicant $5,000 $10,000 $15,000

How Much Does Funerals Cost in California

Burial cost in California varies. Depending where you live will depend on the price. There is also many contributing factors when determining the cost. Below are some averages.

Direct Cremation Service Prices in California

Direct Cremation Service Prices Ranked in California

City Low High Average
San Francisco – Funeral Prices$750$3,790$1,998
San Jose – Funeral Prices$690$4,290$1,907
Oakland – Funeral Prices$659$3,255$1,900
San Luis Obispo-Atascadero-Paso Robles – Funeral Prices$1,425$2,185$1,773
Santa Rosa – Funeral Prices$1,295$2,725$1,768
Los Angeles-Long Beach – Funeral Prices$600$4,450$1,656
Chico-Paradise – Funeral Prices$1,115$2,070$1,637
Modesto – Funeral Prices$896$2,595$1,597
Sacramento – Funeral Prices$526$3,790$1,586
Santa Cruz-Watsonville – Funeral Prices$1,295$2,195$1,568
Bakersfield – Funeral Prices$775$2,905$1,558
Merced – Funeral Prices$1,000$2,295$1,539
Fresno – Funeral Prices$800$3,619$1,506
Orange County – Funeral Prices$525$3,695$1,503
Vallejo-Farifield-Napa – Funeral Prices$659$3,710$1,490
Santa Barbara-Santa Maria-Lompoc – Funeral Prices$775$2,195$1,489
Stockton-Lodi – Funeral Prices$710$2,580$1,448
Ventura – Funeral Prices$675$3,135$1,446
Visalia-Tulare-Porterville – Funeral Prices$1,038$1,915$1,443
San Diego – Funeral Prices$438$2,790$1,389
Redding – Funeral Prices$1,008$1,675$1,374
Salinas – Funeral Prices$945$2,100$1,361
Riverside-San Bernadino – Funeral Prices$585$2,485$1,301
Yolo – Funeral Prices$659$1,645$1,233
Yuba City – Funeral Prices$825$1,115$909

Affordable Burial Service Prices in California

Affordable Burial Prices Ranked in California

City Low High Average
Merced – Funeral Prices$4,365$7,995$6,023
Oakland – Funeral Prices$3,700$6,995$4,922
Fresno – Funeral Prices$4,220$5,605$4,913
Santa Cruz-Watsonville – Funeral Prices$4,595$5,175$4,885
San Luis Obispo-Atascadero-Paso Robles – Funeral Prices$4,345$5,995$4,843
Santa Barbara-Santa Maria-Lompoc – Funeral Prices$2,900$7,520$4,836
San Francisco – Funeral Prices$3,595$6,995$4,795
Visalia-Tulare-Porterville – Funeral Prices$3,795$5,895$4,724
Sacramento – Funeral Prices$2,995$6,995$4,693
San Diego – Funeral Prices$3,341$6,095$4,657
San Jose – Funeral Prices$3,395$6,095$4,656
Los Angeles-Long Beach – Funeral Prices$2,950$9,300$4,653
Bakersfield – Funeral Prices$3,595$6,000$4,643
Ventura – Funeral Prices$3,395$5,295$4,636
Salinas – Funeral Prices$3,725$5,895$4,541
Orange County – Funeral Prices$3,195$6,995$4,540
Modesto – Funeral Prices$3,250$6,195$4,534
Stockton-Lodi – Funeral Prices$3,495$7,095$4,503
Yolo – Funeral Prices$3,785$5,290$4,490
Redding – Funeral Prices$3,695$4,595$4,428
Santa Rosa – Funeral Prices$4,295$4,550$4,423
Riverside-San Bernadino – Funeral Prices$3,290$5,640$4,417
Chico-Paradise – Funeral Prices$4,185$4,315$4,260
Yuba City – Funeral Prices$3,590$4,500$4,031
Vallejo-Farifield-Napa – Funeral Prices$3,930$4,060$3,995

Full Service Cremation Prices in California

Full Service Cremation Prices Ranked in California

City Low High Average
San Francisco – Funeral Prices$3,325$7,933$6,126
San Jose – Funeral Prices$3,070$9,060$6,071
Merced – Funeral Prices$4,835$6,965$5,938
Santa Rosa – Funeral Prices$4,270$6,590$5,773
Sacramento – Funeral Prices$3,230$11,515$5,743
Oakland – Funeral Prices$3,250$9,815$5,736
Fresno – Funeral Prices$3,910$7,670$5,671
Ventura – Funeral Prices$4,380$7,385$5,445
Modesto – Funeral Prices$3,260$7,420$5,440
San Luis Obispo-Atascadero-Paso Robles – Funeral Prices$4,505$7,520$5,431
Visalia-Tulare-Porterville – Funeral Prices$4,485$6,680$5,426
Redding – Funeral Prices$5,050$6,130$5,422
Salinas – Funeral Prices$3,865$7,575$5,391
Yolo – Funeral Prices$4,190$6,195$5,391
San Diego – Funeral Prices$3,520$9,055$5,365
Orange County – Funeral Prices$3,325$9,955$5,305
Los Angeles-Long Beach – Funeral Prices$3,184$8,810$5,278
Stockton-Lodi – Funeral Prices$3,245$7,510$5,175
Bakersfield – Funeral Prices$3,640$6,990$5,143
Vallejo-Farifield-Napa – Funeral Prices$3,250$6,260$5,059
Riverside-San Bernadino – Funeral Prices$3,245$7,230$5,036
Yuba City – Funeral Prices$4,105$5,425$4,732
Chico-Paradise – Funeral Prices$3,895$5,220$4,594
Santa Barbara-Santa Maria-Lompoc – Funeral Prices$4,325$6,895
Santa Cruz-Watsonville – Funeral Prices$5,185$6,795

Traditional Full Service Burial Prices in California

Traditional Full Service Burial Prices in California

City Low High Average
San Francisco – Funeral Prices$6,120$10,814$8,821
San Jose – Funeral Prices$5,545$11,215$8,584
Merced – Funeral Prices$7,115$9,310$8,349
Oakland – Funeral Prices$5,695$12,845$8,310
Santa Barbara-Santa Maria-Lompoc – Funeral Prices$6,715$9,260$8,281
Santa Rosa – Funeral Prices$6,490$9,025$8,159
Redding – Funeral Prices$7,665$8,860$8,119
Sacramento – Funeral Prices$5,730$10,655$8,103
Fresno – Funeral Prices$6,100$10,060$8,102
Ventura – Funeral Prices$6,855$9,945$7,993
Santa Cruz-Watsonville – Funeral Prices$7,565$9,225$7,947
San Diego – Funeral Prices$6,050$11,755$7,890
Yolo – Funeral Prices$6,635$8,850$7,823
Orange County – Funeral Prices$5,955$11,905$7,799
San Luis Obispo-Atascadero-Paso Robles – Funeral Prices$6,655$9,855$7,796
Los Angeles-Long Beach – Funeral Prices$5,540$11,295$7,789
Visalia-Tulare-Porterville – Funeral Prices$6,955$9,010$7,778
Modesto – Funeral Prices$5,575$9,870$7,775
Salinas – Funeral Prices$6,200$9,910$7,692
Bakersfield – Funeral Prices$6,010$9,405$7,567
Riverside-San Bernadino – Funeral Prices$5,565$10,190$7,519
Vallejo-Farifield-Napa – Funeral Prices$5,695$8,780$7,491
Stockton-Lodi – Funeral Prices$5,665$9,945$7,484
Yuba City – Funeral Prices$6,355$7,775$7,178
Chico-Paradise – Funeral Prices$6,330$7,520$7,020

These are the average funeral costs California. The above tables show the average and then the top 5 most expensive average cost in cities.

California’s Top Cities: A Look At Burial Insurance For Seniors

California, with its picturesque landscapes and comfortable climate, offers an enticing backdrop for seniors.

However, living in the Golden State also calls for practical planning around important aspects such as burial insurance.

For seniors residing in top Californian cities like Palm Springs, San Diego, San Francisco, or Sacramento, understanding the landscape of burial insurance options becomes paramount.

In this section, we’ll walk through the specific considerations for these cities, providing a clear view of available policies.

Whether you’re nestled in the coastal areas or residing inland, our goal is to equip you with the knowledge you need to make an informed choice about burial insurance in your California hometown.

How Does Burial Insurance Work In California?

Burial insurance in California works by providing a death benefit to your loved ones in the event of your death.

You can use this death benefit to cover the costs of your funeral, burial, and other related expenses. It can also pay off debts, such as credit card balances or medical bills.

The death benefit is tax-free when paid out to your beneficiaries under burial insurance California policies.

You can purchase burial insurance through an agent or broker. You may also buy burial insurance through a company or contact a local funeral home to see if they offer it.

The burial benefit is often a rider on a homeowner’s policy, but some policies do not cover it. Some burial service providers work independently, while others cooperate with funeral homes in California. 

The cost of burial varies depending on the type of casket you choose — but most companies will charge an extra fee for their services.

Burial insurance in California can be an important way to financially protect your loved ones in case of death. Be sure to compare different policies and find the one that best meets your needs.

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What Is The Free Look Period

In California, the free look period is a time for you to investigate the policy and ensure everything is as you expected.

A free look period will start ten days after the policy has been delivered to you. At this point, you have the time to research everything and make sure it meets your expectations.

You can cancel the policy during this time for any reason, and you will get a refund of your premiums.

It’s important to understand that you won’t be able to make any changes to the policy during the free look period. So, make sure everything is as you want it before you commit.

But, it would help if you kept in mind that you can cancel your life insurance policy anytime, regardless of whether you have a free look period.

If you cancel your policy after the free look period, you will not receive a refund of your premiums.

Funeral Insurance Companies in California

What Are The Best Burial Insurance In California?

Your best burial insurance company in California will depend on your needs and circumstances. Some factors to consider include the company’s coverage, cost, and reputation.

Here are some of the best burial insurance companies in California:

These are just a few of the many burial insurance companies available in California. Be sure to compare different policies and find the one that best meets your needs.

California’s Average Life Span

According to the United States Census Bureau, California has the 4th highest average life expectancy. Californians average 80.8 years of age on average. It is slightly higher than the national average of 79.8 years.

It means Californians have a good chance of living in their 80s and 90s. As a result, it is important to plan for your final expenses well in advance.

Burial insurance California can help ensure that your loved ones are taken care of financially when you die.

Do not worry if you are nearing 80 or even above it. You can still qualify for a new final expense policy even if you are 85 or older.

Of course, the older you get, the more expensive it will be, so you should do so as soon as possible.

California’s leading causes of death

According to the National Center for Health Statistics at the Centers for Disease Control and Prevention, California’s leading causes of death are as follows

  1. Heart Disease
  2. High Blood Pressure
  3. Alzheimer’s Disease
  4. Influenza/Pneumonia
  5. Diabetes
  6. Cancer
  7. Stroke
  8. Lower Respiratory Disease
  9. Accidents
  10. Chronic Liver Disease/Cirrhosis

Burial Expectations in California

Each state has rules about what happens to a person’s body after death. The state government determines the requirements for death certificates, embalming, and burial or cremation.

Death Certificates in California

The first step in any funeral arrangement is obtaining a death certificate. California’s county coroner or medical examiner will issue a death certificate if they handle the case.

If not, the next of kin can request one from the county registrar.

Embalming in California

In California, embalming or refrigeration is required for those who cannot be buried or cremated within 24 hours. Here are some exceptions:

When conducting the funeral at home, families who plan to embalm and store the body without refrigeration or embalming may do so.

A body must be embalmed and sealed in an approved shipping container before being shipped via airplane or another common carrier.

Cremation in California

How much does it cost to be cremated in California?

It is necessary to sign a written form including a disclosure statement and payment agreement before cremation. Authorized persons can view the cremation process, but there may be a fee.

The form must provide information on the cremation service’s location, method, and time.

You may retain or store cremated remains according to state law without using a casket. By law, you may do the following:

Burial – Burial of cremated remains in a cemetery plot or columbarium niche.

Scattering: The scattering of cremated remains on the developed or undeveloped property, public land with permission, or a body of water with proper permits. 

Keeping – Keeping cremated remains at home.

If you plan to scatter cremated remains on public land or property you don’t own, you must buy an urn. 

Burial in California

It is primarily up to the deceased (via their preplanned directive) or the next of kin as to when, where, and how they will be buried.

In addition to federal laws about pricing and contracts, California has some consumer protection laws to ensure fair treatment during the planning process.

  • Retail Casket Sellers: All retail casket suppliers in California must provide a written price list of all caskets, alternative containers, and outer burial options. 
  • There is also a requirement that they provide information on the type of casket and its construction, material, and kind.
  • Coroner Fees: Coroners will be charged fees for certain services based on state law. These fees will vary by county.
  • Casket and outer container requirements: California law does not must caskets or outer containers.

Why Choose

Choosing will give you greater peace of mind and let you get back to what you do best. We are headquartered in Jacksonville Florida but have clients in every state and DC.

Some difficulties in searching for burial insurance are how frustrating it can be to research companies and the number of high-priced companies, lead vendors, and spammy websites.

Somehow – even though you weren’t looking – you found us. And what we offer is different from anything else on the market now regarding burial insurance.

Here are the three most significant reasons for that:

Our focus is on burial insurance. We want to be sure that we are willing to deal with any situation and that our experts can offer you the detailed information.

When you speak with us, you’ll know that we have total expertise in this field.

We are an independent agency. And we’re always looking for the best plans to offer you because of our freedom to work with all different insurance companies.

That way, you can always find the right plan for your budget and needs.

We are committed to helping you understand your full range of options and choosing the best one. We represent various insurance companies but do not favor any of them.

Related Articles


**Click on the question to see the answer.

What is burial insurance?
Burial insurance, also known as final expense or funeral insurance, is a type of life insurance policy designed to cover end-of-life expenses such as funeral costs and burial fees.
Why do I need burial insurance?
Burial insurance helps ensure that your loved ones aren’t burdened financially by your funeral costs and other final expenses. It offers them financial protection and peace of mind during an emotionally challenging time.
How does burial insurance work in California in 2023?
As with other types of insurance, you pay regular premiums for a burial insurance policy. When you pass away, the policy pays out a death benefit to your designated beneficiary, which can be used to cover funeral costs and other final expenses.
What factors should I consider when choosing a burial insurance policy?
Consider your budget, the desired death benefit amount, your health status, the premium payment period, and the reputation of the insurance company. Also, some policies have a waiting period before full benefits are available, which could be a consideration.
What are the best burial insurance companies in California in 2023?
The article provides a list of highly rated burial insurance companies in California in 2023. The exact rankings and companies may vary; it’s important to research each company and choose the one that best fits your needs.


In conclusion, securing burial insurance serves as a crucial strategy to shield your loved ones from any financial strain associated with your final expenses.

First and foremost, it’s essential to carefully weigh multiple factors when opting for a policy. However, the most critical aspect remains identifying a trustworthy company that fits your individual requirements.

Notably, Mutual of Omaha, AETNA, and Gerber Life emerge as exemplary providers of burial insurance in California.

To ensure you get the optimal coverage, it’s always recommended to meticulously compare various policies and pinpoint the one that aligns perfectly with your needs.

More Burial Insurance Resources