Affordable Burial Insurance Options in North Carolina: 2025 Guide
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Planning for end-of-life expenses is a crucial aspect of financial preparedness. In North Carolina, securing an affordable burial insurance policy can help alleviate the financial burden on your loved ones.
North Carolina Funeral Costs in 2025
| Service Type | Low | High | Average |
|---|---|---|---|
| Traditional Full Service Burial | $4,850 | $14,155 | $8,136 |
| Full Service Cremation | $2,685 | $11,210 | $5,888 |
| Affordable Burial | $2,850 | $9,890 | $4,840 |
| Direct Cremation | $500 | $4,900 | $1,933 |
Data source: Funeralocity
This guide explores the most cost-effective burial insurance options available in North Carolina 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 North Carolina
Burial insurance is a type of insurance that helps cover the costs of funeral and burial expenses. It is sometimes also called funeral insurance or final expense insurance.
This type of insurance can help ease the financial burden on your loved ones after you pass away.
Burial insurance policies are typically whole life insurance policies with a face value of $5,000 to $25,000. The premiums are generally paid in monthly or yearly installments, and the policy pays out upon the policyholder’s death.
If you’re a resident of North Carolina, you may be wondering if you need burial insurance. The answer depends on your circumstances.
Some people may find that they don’t need this type of insurance, while others may find it a valuable addition to their overall financial plan.
*Ballpark Quote
What Does Burial Insurance In North Carolina Cost
Burial insurance, also known as funeral insurance, is specifically designed to cover the cost of a person’s funeral and related expenses.
The cost of burial insurance in North Carolina will vary depending on several factors, including the insured’s age, health status, and the coverage amount chosen.
In general, burial insurance policies in North Carolina tend to be more affordable than other types of insurance, such as life insurance or health insurance.
This is because the coverage amount is typically lower, and the policy term is shorter. However, the exact cost of burial insurance will depend on the specific policy and provider.
Here are some sample rates for burial insurance in North Carolina:
Burial Insurance North Carolina Cost For Male
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 |
Burial Insurance North Carolina Cost For Female
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 |
*Ballpark Quote
To get an idea of how much burial insurance might cost in North Carolina, you can contact insurance providers and request quotes for different coverage amounts and policy terms.
It’s essential to compare quotes from multiple providers to get a sense of the range of prices available and to find the policy that best meets your needs and budget.
Our goal is to equip you with the knowledge you need to make an informed choice about burial insurance in your surrounding North Carolina hometown!
Who needs Burial Insurance In North Carolina
Anyone with an inherited plot, a burial lot, or even a grave monument must be insured. It can include relatives, friends, and even distant family members you may not have met.
It also includes anyone who has purchased a burial plot for themselves or their loved one.
Burial insurance is also required for anyone planning to have their funeral service at a cemetery or funeral home and wants to ensure that the service will go as planned.
It is vital for everyone involved in funeral planning because it provides peace of mind.
If an unexpected event such as death, the costs associated with canceling the funeral service are significant, which could cause financial hardship for everyone involved.
How Does Burial Insurance In North Carolina work
Should the insured individual die, burial insurance provides a death benefit to the beneficiary? It is not intended to cover funeral expenses or pay debts incurred after a death.
The policy has a specific period during which the beneficiary must apply for the payout and is not retroactive. The policyholder must file a claim within one year of their death to receive any benefits.
The benefits are paid out as a lump sum, with no interest accrued.
The amount will depend on the type of policy purchased and the years it is valid for, although a 10-year policy will provide more coverage than a five-year one.
North Carolina’s Leading Causes of Death
The top ten North Carolina causes of death, according to the Centers for Disease Control (CDC), are:
- Heart Disease
- Cancer
- Accidents
- Stroke
- Chronic lower respiratory diseases
- Diabetes
- Alzheimer’s disease
- Flu/pneumonia
- Kidney disease
- Septicemia
Free Look Period In North Carolina
Free look periods in North Carolina differ depending on the sale’s nature. The free look period for new life insurance policies is ten days.
A life insurance policy that is being replaced has a 20-day grace period. You can change your mind during the free look period if you don’t like what you see.
The company must return all premiums regardless of the reason.
Remember that you can always cancel your life insurance coverage once the first free-look period has ended. No insurance provider may commit you to a long-term payment plan.
But if you decide to cancel your policy after the free-look period is over, you won’t get your premium money back.
*Ballpark Quote
What does Burial Insurance Cover
Burial insurance can cover the following:
- Funeral and cemetery expenses. It includes the cost of the funeral home, mortuary, casket, and other items related to the death of your loved one.
- Cremation services. If you decide to have your remains cremated instead of buried, burial insurance will also help pay for that.
- Headstones and monuments. A headstone or marker is essential for friends and family to remember a loved one after their passing. Burial insurance can help cover the cost of monuments and features at no extra cost!
- Other end-of-life expenses. This includes final medical bills, probate or estate administration, and unpaid debts your loved one may have left behind.
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North Carolina Life Expectancy
Life expectancy is one of the essential factors in determining what type of burial insurance is appropriate for you. The average life expectancy in North Carolina is 78.1 years, and their current rank number is 35th in the entire USA.
No Exam in North Carolina
In North Carolina, no medical exams are required, meaning the insurance company can offer you a policy without any medical exam. If you have a pre-existing condition, the policy will cover it.
A pre-existing condition is when you have one or more medical conditions before your application date. If you have any pre-existing condition at the time of your application, you will not be able to purchase a burial insurance policy from North Carolina.
If you have ever been diagnosed with any cancer or illness, then this will also cause problems with being able to purchase burial insurance from North Carolina.
North Carolina’s Burial and Funeral Expectations
A series of events must occur to make final arrangements for someone who has died.
In North Carolina, anyone taking custody of the deceased must report the death within 24 hours (“Notification of Death” forms are available at your local registrar’s office).
In the case of cremation, the medical examiner usually confirms the cause of death within 24 hours of the death and approves the release of the body.
What is the Cost of a Funeral with Service in North Carolina
North Carolina – Traditional Full Service Burial
| Service Type | Cost |
|---|---|
| Basic Services | $2,092 |
| Transfer to Funeral Home | $295 |
| Embalming | $735 |
| Dressing & Casketing | $201 |
| Viewing | $371 |
| Ceremony | $471 |
| Hearse | $305 |
| Utility Vehicle | $169 |
| Median-Priced Casket | $3,500 |
| Total Cost | $8,136 |
Data source: Funeralocity
North Carolina – Full Service Cremation
| Service Type | Cost |
|---|---|
| Basic Services | $2,092 |
| Transfer to Funeral Home | $295 |
| Embalming | $735 |
| Dressing & Casketing | $201 |
| Viewing | $371 |
| Ceremony | $471 |
| Transfer to Crematory | $64 |
| Crematory Fee | $463 |
| Cremation Casket | $1,200 |
| Total Cost | $5,888 |
Data source: Funeralocity
Death Certificates
A physician or another authorized person must sign a death certificate issued by the medical examiner’s office. North Carolina requires death certificates to be issued within three days of receiving the request.
Burial Requirements
Having a home funeral in North Carolina is legal, and burials on private property are also acceptable unless the county or city imposes restrictions.
A cemetery is, however, the preferred burial place for most people. Cemeteries may have different requirements than funeral homes, even if you cannot specify a casket or vault in advance. Before making any decisions, ask the cemetery about their preferences.
Embalming
In North Carolina, cremation or direct burial does not require embalming. This service cannot be forced upon you by a funeral home. There can be a requirement for it if the public will see the body or if burial is delayed.
Cremation
A body must also wait 24 hours before it can be cremated. According to North Carolina law, you must use cremation containers. Family members can usually view the remains within a short period after they have been refrigerated at the funeral home.
Basic Funeral Services
Most funeral homes need to offer at least a basic set of services.
This fee, which can be anywhere from $1,000 to $3,000 or more, covers using the funeral home, completing the paperwork for the certificate, signing up the death to local authorities, consulting with family and clergy, and making plans with the cemetery or funeral service center of your choice.
Most of the time, transport does not include moving the body, a casket, or getting the body ready for the service.
What are the benefits of Burial Insurance In North Carolina
The benefits of affordable Burial Insurance In North Carolina are many, including:
Affordable:
Burial insurance policies can be purchased at affordable prices, and you can easily find one that works with your budget. It means you will not have to worry about being able to afford all the expenses involved in having a burial service.
Peace of mind:
When you have burial insurance, your family doesn’t have to worry about paying for these expenses. Burial insurance is designed to cover all funeral services, including caskets and cremation urns, so there’s no need to worry about whether you’ll be able to afford one.
Financial assistance:
Your life will be more secure when someone you love is covered by a burial insurance policy that pays for funerals and burials.
The money will be available if needed during an unexpected time like a death in the family or an illness that leaves a family member unable or unwilling to pay for their funeral services.
More flexible:
Burial plans allow you to choose your funeral director and customize your plan to meet your needs. It means you can choose from a variety of options that best suit your individual needs.
Easier to manage:
Because it’s not a policy that you must renew each year, you won’t have to worry about renewing or canceling it when the time comes.
You can also add or remove coverage as needed, which makes it easier than other types of burial insurance for those who want flexibility in their coverage but don’t want to commit to long-term policies.
A more affordable alternative:
In some cases, you may be able to receive discounts on your burial costs if you choose this type of coverage over traditional life insurance policies.
Easier planning:
If you are planning for your loved ones, then burial insurance can help ensure they don’t have another surprise expense after you pass away.
It is one of the most cost-effective ways to plan for funeral costs and give your family peace of mind.
A better way to help friends and family members pay their final expenses in case they pass away unexpectedly is burial insurance coverage can give you peace of mind in this challenging situation.
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How do I Find the North Carolina Burial Insurance
Finding the best burial insurance in North Carolina doesn’t have to be challenging. Many of our customers came to us after having difficulty finding an affordable last-expense plan for their loved ones.
If this describes you, don’t despair, as you are not alone.
The burial insurance industry in North Carolina offers a lot of great companies. Not every insurer operates in every state.
Our knowledge lets us know which firms use in North Carolina and which companies provide quality, affordable plans. Here is how you can locate a company with the best final expense insurance.
By working with an independent agency that represents multiple burial insurance companies, such as InsuranceForBurial.com, you will be able to get the best burial insurance plan in North Carolina.
Our independence allows us to shop and compare prices with all of North Carolina’s top final expense insurance companies for you to find the best policy.
Our vast experience also allows us to understand the underwriting process in detail, which ensures we can match you with the right companies that will consider your health favorably, resulting in lower rates and immediate protection.
Get information about affordable burial insurance in North Carolina’s major cities in minutes with us if you prefer to get specific details.
FAQ
Burial insurance in North Carolina is a type of life insurance policy that provides a death benefit to cover end-of-life expenses such as funerals, burials, or cremations. These policies are designed to be affordable and accessible, particularly for seniors looking for financial peace of mind.
The cost of burial insurance in North Carolina depends on factors like:
Age: Younger applicants pay lower premiums.
Health: Healthier individuals often qualify for cheaper rates.
Gender: Women typically pay less than men.
Coverage Amount: Policies range from $5,000 to $25,000.
Monthly premiums usually range from $25 to $100, making it an affordable option for most people.
Burial insurance in North Carolina covers: Funeral home services, Burial or cremation costs, Headstone or marker fees, Miscellaneous expenses like transportation or medical bills.
The policy pays out a lump sum to beneficiaries, giving them the flexibility to use the funds as needed.
Burial insurance is ideal for:
1. Seniors aged 50 to 85 who want to protect their families from financial burdens.
2. Individuals who lack other forms of life insurance to cover funeral costs.
3. Those seeking an affordable solution for end-of-life planning.
To find affordable burial insurance in North Carolina:
1. Compare quotes from multiple providers to find the best rates.
2. Look for policies with fixed premiums and no hidden fees.
3. Consider working with a licensed insurance agent who can help you tailor a plan to your budget and needs.
Yes, some burial insurance policies in North Carolina offer immediate day-one coverage, which provides the full death benefit as soon as the policy is active. However, guaranteed issue plans may include a waiting period of 1-2 years for full benefits.
Yes, many burial insurance policies in North Carolina are available without a medical exam. Guaranteed issue policies are an excellent option for individuals with pre-existing health conditions.
The average burial costs in North Carolina range from $7,000 to $12,000, depending on the type of service and burial options chosen. Cremation is a more affordable alternative, typically costing between $3,000 and $5,000.
Burial insurance and final expense insurance are often used interchangeably. Both refer to smaller life insurance policies designed to cover funeral costs and other end-of-life expenses.
To apply:
1. Contact a licensed insurance agent or provider in North Carolina.
2. Compare available policies and select the one that fits your budget and coverage needs.
3. Complete a simple application, which often requires no medical exam.
4. Begin coverage immediately or after approval.
Burial insurance ensures that your loved ones are not burdened with the high costs of funerals, burial plots, or cremation services. It provides peace of mind and financial protection during a difficult time.
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Conclusion
In conclusion, burial insurance is a great way to ensure that you and your loved ones are taken care of after you die.
It is an affordable way to pay for your funeral and other final expenses, and it can give you peace of mind knowing that your family will not have to worry about these things.
If you live in North Carolina, get a quote for burial insurance now.
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