Burial Insurance in New York: 2025 Plans and Rates

Planning for end-of-life expenses is a crucial aspect of financial preparedness. In New York, burial insurance offers a practical solution to cover funeral costs and related expenses, ensuring that your loved ones are not burdened during a difficult time.

New York Funeral Costs

Service Type Low High Average
Traditional Full Service Burial $4,900 $20,625 $8,834
Full Service Cremation $2,555 $17,225 $6,286
Affordable Burial $3,055 $11,800 $5,004
Direct Cremation $555 $9,800 $2,395

Data source: Funeralocity

This guide explores the available burial insurance options in New York for 2025, providing insights into coverage details, eligibility criteria, and current rates to assist you in making an informed decision.



What Is Burial Insurance In New York?

New York burial insurance is a life insurance policy designed to cover the costs of your final expenses and burial. This type of policy is also known as “final expense insurance” or “funeral insurance.”

This burial insurance can cover your funeral or burial expenses with Final Expense Life Insurance. Unlike term life insurance, burial insurance provides lifetime coverage if your premiums are paid.

In addition, burial insurance charges a single premium throughout the policy’s life.

An insurance policy can also be referred to as no medical exam whole life insurance. The insurance will typically provide coverage ranging from $5,000 to $35,000, depending on your needs.

In addition to covering burial costs, these policies also pay off any outstanding debt for New Yorkers who may be on a fixed income.

Small coverage makes these policies more affordable for those on fixed incomes.

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How Does Burial Insurance In New York Work?

Burial insurance works by providing a death benefit to your beneficiaries upon your passing. The death benefit can cover any final expenses or debts you may have, as well as funeral or burial costs.

Your beneficiary will receive the death benefit tax-free and can use it however they see fit. This type of policy is typically purchased by those who want to ensure that their loved ones are taken care of financially during their death.

New York Burial Insurance has affordable rates with guaranteed benefits. Here are the most notable features of burial insurance:

  • You will never have to worry about rising rates
  • You do not need to undergo a medical exam or blood test to qualify
  • In comparison with other types of life insurance, it has a very quick approval process 
  • An average coverage amount of $2,500-$35,000 is available

Burial insurance is also a permanent policy. Once you have paid your premiums on time, your policy will remain in force until you pass on.

What Are The Benefits Of New York Burial Insurance?

Burial insurance has many benefits, especially if you live in New York.

Cover Final Expense:

One of the most important benefits is that it can help you cover the costs of your final expenses.

It can be a huge relief for your loved ones, as they will not have to worry about how to pay for your funeral or other expenses related to your end of life.

Guaranteed Payments cannot rise:

The payments for your policy are guaranteed, which means that your beneficiaries will receive the death benefit regardless of how much the funeral or other expenses cost.

It is in contrast to term life insurance, which only pays out if you die during the policy’s term. With burial insurance, your beneficiaries will receive the death benefit no matter when they die.

Provide Peace Of Mind:

Burial insurance is an important consideration for anyone, but it is vital for those who live in New York. The high cost of living in the state means that final expenses can burden your loved ones if you are not prepared.

Burial insurance can help you cover the costs of your final expenses, and medical bills and provide peace of mind for you and your loved ones.

No exam or health questions:

Another benefit of burial insurance is that you do not need to undergo a medical exam or answer any health questions to qualify. It is an ideal option for those not in the best of health or with a pre-existing medical condition.

The policy never expires:

Another benefit of burial insurance is that it is a permanent policy. It means that as long as you pay your premiums on time, your policy will remain in force until you die. It is in contrast to term life insurance, which expires after a certain period.

Easy to qualify:

Burial insurance is one of the most accessible types of life insurance. You can qualify for coverage if you are a New York resident between 50 and 85.

Policies are available in NY from $2,500-$35,000:

The coverage amounts for burial insurance policies in New York range from $2,500 to $35,000. It makes it easy to find a policy that fits your needs and budget.

What is the Cost of New York burial insurance?

The cost of burial insurance will vary based on several factors, including age, health, and the amount of coverage you need.

For example, a healthy 40-year-old non-smoker in New York can expect to pay around $35 per month for a $25,000 policy.

Female Burial Insurance Rates

Age of Applicant $5,000 $10,000 $15,000
50 $12.86 $23.06 $33.08
55 $14.97 $26.94 $38.90
60 $18.04 $32.87 $47.70
65 $22.11 $41.01 $59.91
70 $28.07 $53.12 $78.18
75 $37.81 $72.41 $107.01
80 $50.82 $98.43 $146.05
85 $69.55 $135.90 $202.25
90 $149.69 $296.41 NA

Male Burial Insurance Rates

Age of Applicant $5,000 $10,000 $15,000
50 $15.37 $27.73 $40.08
55 $18.72 $34.43 $50.13
60 $22.72 $42.42 $62.13
65 $28.41 $53.82 $79.22
70 $36.47 $69.93 $103.38
75 $50.22 $97.43 $144.64
80 $71.44 $139.73 $207.99
85 $97.97 $192.74 $287.51
90 $176.59 $350.21 NA

This price is based on a policy with level premiums that will never increase.

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The New York Free Look Period

In New York, you must have a free look period of at least ten days and no more than 30 days. You will be able to find out the exact period from your insurer, but try to stay between 10 & 30 days.

You can review the insurance contract during this time and are free to reject it or cancel it for any reason. If you decide to cancel it, you will receive a full refund.

You cannot be forced to cancel; if you paid anything, the insurance company must refund it.

Now, a free look period allows you to cancel your policy. After the free look period has expired, you can still cancel your life insurance contract. However, you won’t receive a refund. 

It’s okay to replace a life insurance policy in many cases. Just know you’re free to do this anytime, even after your free look period has expired. You should only replace it if you have the right reasons.

Forgiving Underwriting

The biggest and most amazing feature among funeral insurance policies is underwriting.

Final expense policies have extra coverage designed to protect against major health issues, which means even people with health issues can still get a policy. In contrast, many life insurances might not allow them to qualify.

But wait, It doesn’t stop there. There are even burial policies out there with no health questions. They guarantee approval regardless of your medical history.

While these are meant for people in serious need, they come with a 24-month waiting period. Furthermore, they’re only there to serve as an emergency fund and are typically not the best way to go.

It’s important to know that most applicants can qualify for a burial insurance plan within 60 days. You may be approved even if you assume you won’t!

New York’s Life Expectancy

New York ranks very high in terms of the average lifespan of adults in the nation. A citizen of New York will live to an average age of 80.5 years, among the highest in the nation.

They are currently ranked 6th in the United States.

Don’t forget.

Except for Montana, which has unisex rates, all states have the same life insurance rates.

It means that regardless of your state, you will get the same price for the same policy.

The only exception to this rule is if you are a smoker. Smokers will pay higher rates no matter what state they live in.

So, if you are a smoker and live in New York, you will still pay the same rates as a smoker in California.

It is good news for those purchasing New York burial insurance. The fact that you can expect to live a long life means that your policy will have plenty of time to build cash value.

It is important because the cash value can help pay for premiums later in life or help cover the costs.

Burial insurance is a good option for those looking for an affordable way to cover their final expenses. It is easy to qualify for and can be a great way to provide peace of mind for you and your loved ones.

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What Does New York burial insurance Cover?

Burial insurance will typically cover the costs associated with your funeral, which can include:

  • The cost of a casket
  • The cost of a funeral service
  • Cost of a burial plot
  • Cost of a headstone or grave marker
  • And more

Some policies will also cover additional expenses, such as:

  • Outstanding debts
  • Travel expenses for family members who live out of state

Traditional Full Service Burial Cost Breakdown

Service Component Low High Average
Traditional Full Service Burial $4,900 $20,625 $8,834
Basic Services $10 $9,000 $1,552
Transfer to Funeral Home $50 $1,100 $453
Embalming $2,650 $820
Dressing & Casketing $10 $1,195 $186
Viewing & Visitation $2,500 $807
Funeral Service $2,650 $711
Hearse $50 $975 $466
Utility Vehicle $895 $340
Median-Priced Casket* $3,500

Data source: Funeralocity


Full Service Cremation Cost Breakdown

Service Component Low High Average
Full Service Cremation $2,555 $17,225 $6,286
Basic Services $10 $9,000 $1,552
Transfer to Funeral Home $50 $1,100 $452
Embalming $100 $2,650 $821
Dressing & Casketing $10 $1,195 $187
Viewing & Visitation $50 $2,500 $808
Funeral Service $2,650 $711
Transfer to Crematory $895 $125
Crematory Fee $150 $2,500 $432
Cremation Casket* $1,200

Data source: Funeralocity


Affordable Burial Cost Breakdown

Service Component Low High Average
Affordable Burial $3,055 $11,800 $5,004
Basic Services $555 $9,300 $2,503
Basic Casket* $2,500

Data source: Funeralocity


Direct Cremation Cost Breakdown

Service Component Low High Average
Direct Cremation $555 $9,800 $2,395
Basic Services $240 $9,300 $2,014
Transfer to Crematory $795 $3
Crematory Fee $2,500 $375

Data source: Funeralocity


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Leading Causes Of Death In New York

According to the C.D.C., the leading causes of death in New York are:

  • Heart disease
  • Cancer
  • Accidents (unintentional injuries)
  • Stroke
  • Diabetes
  • Chronic lower respiratory disease
  • Alzheimer’s disease
  • Influenza/Pneumonia

Don’t think these health issues are insurable just because they are listed on that list. The deal is this:

There are plenty of companies who will accept these risks! The question is: which one will get them?

Having access to so many great insurance companies, we are confident that we will be able to connect you with one that is willing to accept these terms and conditions without imposing a long waiting period on you.

A waiting period, however, is not always possible in health situations. For example, if you have Alzheimer’s or dementia. It does not matter what your health is.

We can ensure you and most people qualify for no-waiting-period policies.

Purchasing New York burial insurance

It would help if you kept a few things in mind when purchasing New York burial insurance. First and foremost, you’ll want to ensure that you work with a reputable company.

Many life insurance companies operate in the state of New York, but not all of them are created equal.

Some life insurance companies are more reputable than others, so research is vital to find a company you can trust.

In addition, you’ll want to make sure that you compare rates from multiple life insurance companies before making a decision.

Burial insurance rates can vary significantly from one company to the next, so it’s important to shop around and get quotes from multiple companies before deciding.

Finally, you’ll want to ensure that you understand your policy’s terms before you purchase it.

Burial insurance policies can vary significantly regarding coverage and benefits, so it’s important to read the fine print and understand what you’re buying.

How Do I Get Burial Insurance in New York?

There are a few different ways to get New York burial insurance. You can:

  • Purchase a policy through an insurance agent or broker
  • Purchase a policy online
  • Contact a life insurance company directly

When purchasing a policy, you will need to provide some personal information, such as your:

  • Name
  • Address
  • Date of birth
  • Social Security number
  • And more

You will also need to decide how much coverage you need and what type of policy you want.

There are two main types of policies:

  • Term life insurance: This type of policy provides coverage for a period, such as 10, 20, or 30 years.
  • Whole life insurance: This type of guaranteed acceptance policy provides coverage for your entire life as long as you pay your premiums.

Once you have decided on a policy, you will need to pay your premium. Premiums can be paid monthly, quarterly, or annually.

Please contact us today if you have any questions about New York burial insurance or want to know more about the different types of policies available. We would be happy to help you find the policy that best meets your needs.

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How To Find The Best New York Burial Insurance

You have a choice ahead of you. You can either research and find out which insurance company offers the cheapest rates or ask the experts for their advice.

The latter option will save time and give you peace of mind in the future, knowing that someone with experience did all the hard work for you.

Insurance companies sell their competitive products exclusively through agencies because they can’t keep up with the high demand.

When you call them, they will refer you to a nearby agency. Once there, you can buy the cheapest insurance plans they offer and get a quote guaranteed to be lower than any other provider.

You have to spend hours on the phone and waste time waiting for an agent of each carrier to call you back.

Or You can use the free services of an independent agency like InsuranceForBurial.com, which represents multiple insurance companies.

They will compare quotes for you from all the various insurance companies they represent. They will give you quotes quickly, so you see which one is the cheaper offer.

What option do you prefer? We’re here to make your life easier. We save you time, money, and headaches by taking care of all the heavy lifting.

Plus, our clients are always glad to know that we work with multiple companies, which means they get a competitive rate.

Even if you choose not to work with BurialForInsurance, it’s important to work with a final expense company with access to many burial insurance providers.

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FAQ

How Can I Apply for Burial Insurance in New York?

You can apply for burial insurance in New York by contacting licensed insurance agents or companies. Many insurers offer easy online applications, and some policies don’t require a medical exam.

Are There Burial Insurance Policies for Seniors in New York?

Yes, most burial insurance policies cater to seniors in New York, offering flexible underwriting and affordable premiums for those aged 50 to 85. These policies are ideal for seniors seeking financial security for their loved ones.

Is Burial Insurance in New York the Same as Final Expense Insurance?

Yes, burial insurance is often used interchangeably with final expense insurance. Both terms describe small life insurance policies intended to cover end-of-life costs.

Is Burial Insurance in New York Regulated by the State?

Yes, burial insurance policies in New York are regulated by the New York State Department of Financial Services to ensure consumer protection and compliance with state laws. Always verify that the insurance provider is licensed in New York.

Can I Get Immediate Coverage with New York Burial Insurance?

Yes, some burial insurance policies in New York offer immediate coverage with no waiting period. However, guaranteed issue policies may have a 2-year waiting period for full benefits, depending on the provider.

How Much Does Burial Insurance in New York Cost?

The cost of burial insurance in New York varies based on age, health, gender, and the coverage amount. On average, premiums range from $12 to $250 per month. Non-smokers and individuals in good health typically receive lower rates.

Who Can Apply for Burial Insurance in New York?

Anyone can apply for burial insurance in New York, but it is most popular among individuals aged 50 to 85. Some policies may require basic health questions, while others, like guaranteed issue policies, offer coverage without any medical exam.

Conclusion

New York Burial insurance is a life insurance policy that you can use to cover your final expenses or debts.

Before deciding, working with a reputable company and comparing rates from multiple burial insurance companies is vital. Be sure to understand the terms of your policy before you purchase it.

Contact one of our agents today if you want an affordable burial insurance policy in New York.

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