Buying The Best Burial Insurance Ohio In 2024 (Sample Rates)

Attention Ohioans, if you are looking for affordable burial insurance Ohio in 2024 then read on. Overall, shopping for affordable funeral policies to cover burial services is like a needle in a haystack.

This article will level the field for you. When ready, feel free to look at competitive rates in Ohio.

Ohio is a state in the United States Midwestern region. As of today, the estimated population of Ohio was over 11.7 million.

The state is known for its diverse landscapes, and many people choose to live there for its affordability and quality of life.

When it comes to funeral planning, the average cost of a funeral in Ohio is $7,360. It is lower than the national average of $9,000.

However, the price of a funeral can still be a financial burden for many families.

It is where burial insurance comes in. Burial insurance is a type of life insurance policy that can help cover the cost of a funeral.

It is an affordable way to ensure that your loved ones are not left with the financial burden of your funeral.

If you are a resident of Ohio and are looking for affordable burial insurance, then read on!

What is Burial Insurance In Ohio?

Burial insurance in Ohio is a type of insurance that helps cover the costs of funeral expenses. This type of insurance can help ease the financial burden on your loved ones in the event of your death.

It is important to note that burial insurance is not the same as life insurance. Life insurance is designed to provide financial protection for your loved ones during your death, whereas burial insurance is specifically for funeral expenses.

Burial insurance is a good option for people who do not have life insurance or want to ensure their funeral expenses are covered. Considering burial insurance, you should keep a few things in mind.

  • First, you will need to decide how much coverage you need. It will be based on your age, health, and the average cost of funerals in your area.
  • Second, you will need to choose a policy that fits your budget. There are a variety of policies available, so it is crucial to compare rates and coverage options before you make a decision.
  • Lastly, you will need to decide how you would like your benefits to be paid. Most policies allow payments to be made directly to the funeral home or your beneficiary.

If you are interested in learning more about burial insurance, contact our office today, and we would be happy to answer any questions you have.

How Does Burial Insurance In Ohio Work?

When you purchase a burial insurance policy, you’ll pay a monthly premium until your coverage ends.

The premium amount will vary depending on the type of coverage you select and the age and health of the person who purchased it.

Your burial insurance company might offer discounts for people who are elderly or have health problems, so it’s essential to ask about that upfront.

If you want to prepay for burial services before your policy ends, most companies allow you to make pre-arrangements before their expiration date.

However, suppose you will transfer coverage from one company to another after its expiration date.

In that case, most companies will require an application for new coverage to be submitted within 30 days before the expiration date of that policy.

Again, this is for term policies. Also, burial insurance will be different in all 50 states, so it’s important to know what those differences are.

How Much Does Burial Insurance Cost In Ohio?

The cost of burial insurance in Ohio will vary depending on several factors, including age, health, and the amount of coverage you need. Must is the same as states like Pennsylvania.

Burial Insurance Cost For Ohio Females

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

Burial Insurance Cost For Ohio Males

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

Here are the factors that will impact your rate.

Age: Burial insurance is more expensive for older people because they tend to have higher health costs and, thus, more significant burial expenses.

Health: If a person has a pre-existing condition or an illness that may cause them to die at a young age, they may qualify for lower premiums than someone with good health who doesn’t expect to die prematurely.

Amount of Coverage: It’s important to consider how much money you have available for burial expenses and what your family needs from the estate after your death, as well as your personal feelings about this type of insurance policy before deciding how much coverage is right for you or your loved ones.

Why Do I Need Burial Insurance In Ohio?

Burial insurance is a valuable asset because it helps cover your final costs in case of death. It also gives you peace of mind knowing that your loved ones will not have to worry about unexpected expenses.

If you’re planning on having a service at a church, synagogue, or another religious facility, burial insurance can help cover the cost of renting equipment and facilities and staff salaries.

If you plan on having an open-casket funeral, burial insurance can pay for caskets, flowers, and other items required for the service.

These happen just like in other states like Virginia or California.

Who is eligible for Ohio burial insurance?

Despite your medical condition, looking into these burial plans is worthwhile if you have life insurance.

Many people are interested in life insurance that is easy to understand and is guaranteed to be accepted in most cases.

You will be asked a few health questions in the application form, but nothing serious. Applicants should have no trouble completing the application.

Life insurance can be cheaper and easier if you answer a few questions. The application process is open to everyone, regardless of their health condition.

However, burial insurance policies in Ohio may pay out the total amount or refund money to the beneficiary if the insured person lives past the waiting period.

All states must offer regulated burial programs approved by the state.

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Ohio’s Leading Causes of Death 

According to Ohio, the leading cause of death is closely comparable to the national average. You can find a list of the top 8 causes of death from the CDC’s National Center for Health Statistics below:

  • Cancer
  • Heart Disease
  • Accidents
  • Lower Respiratory Disease
  • Stroke
  • Diabetes
  • Alzheimer’s Disease
  • Influenza

The Free Look Period

New policies in Ohio are eligible for a 10-day free look period, and replacement policies are eligible for a 30-day free look period.

Each individual is entitled to review their policy during this period to ensure it meets their needs.

You can refuse a contract for any reason and receive a full refund of your premiums. You must return any monies paid if you cancel your insurance policy without reason.

Don’t worry: Any insurance policy can be canceled or replaced anytime, regardless of age. You will never receive a refund if you cancel after the free look period.

Expectations for Funerals and Burials in Ohio

The National Funeral Directors Association (NFDA) reports yearly about how much the average funeral costs.

An NFDA divides the country into districts and polls the owners of more than 5,000 funeral homes. Nearly 20% of those who answered gave information about costs, statistics, and trends.

East North Central comprises the states of Illinois, Indiana, Michigan, Ohio, and Wisconsin. Based on the answers to the survey, the average cost of a funeral and burial in this district is $8,000.

Several things need to be done quickly after death. The final layout means that some things must be done by a specific date.

Death Certificates

Everyone who manages the body of the deceased must present the death certificate to a physician, whether they are the funeral director or a family member.

Ohio law requires them to return the certificate within 48 hours. After the certificate is completed, it is submitted to the local registrar.

Ordering the death certificate at the time of death is the easiest way to ensure its distribution as soon as possible. Cremation and burial cannot occur before a death certificate is filed.


Ohio is different from other states because burials and cremations do not have to be done with embalming.

The funeral director may suggest cooling and embalming if the family wants to see the body. These things will affect how soon you plan the funeral.

When someone dies of a disease that can spread, they must be cremated or buried within 24 hours.

Burial Requirements

The cost of burials has increased in Ohio recently as more land is devoted to burial plots. Depending on the type of service held, the materials used, and the funeral home, the full-service cost of burial can reasonably be estimated at between $2,800 and $10,000.

Ohio also allows burials on private property, but most graves are in established cemeteries.

Cremation Services

Crematory accounts for 25% of Ohio burials. In Ohio, a full-service funeral service can cost up to $5,000 or more. Some crematories only let funeral directors make arrangements for cremation.

Before a body can be cremated, there is usually a 24-hour waiting time, except if a disease caused the death, you can spread.

No rules about where the ashes go after a person are cremated. Most ashes are kept in urns or mausoleums on the grounds of cemeteries.

Some families put some of the ashes into jewelry or other keepsakes. If you will spread the ashes, check to see if there are any rules about where they can be spread.

Life Expectancy In Ohio

Life expectancy in the U.S. is 77 years. New CDC data showed Ohio’s 23rd life expectancy in the U.S. in 2020.

The average life expectancy of a person alive in Ohio was 75.3 years, which is lower than that of a person born in the United States, 77.

How to Get The Best Burial Insurance In Ohio At The Best Price

Burial insurance In Ohio has one universal truth that most companies are unwilling to reveal: final expense policies offer lower rates and immediate coverage, so applicants should not purchase burial guarantees.

There are very few insurance companies that accept underwriting policies. Above all, stay away from State Farm burial insurance, as they are very pricey and not lenient with health issues.

A funeral insurance plan can provide you with more information about your policy.

However, you will have to devote a lot of time to comparing plans from different providers, and not all funeral insurance companies advertise on television.

As a result of not having to spend millions on advertising, these companies offer aggressive underwriting and great prices.

You can only obtain them through an independent insurance agency. Insurers represent a wide variety of insurers. Our mission is to help you find the right policy.

Using, you can determine which companies accept your underwriting and find a company that is the best match. The best part?

Free independent agencies offer various benefits and may surprise you with their effectiveness. For example, our clients are fully covered from day one instead of waiting two years for coverage.

In addition, they usually qualify for a plan that requires underwriting, which means significantly lower monthly premiums than guaranteed issue policies.

Are Guaranteed Issues a good idea? Getting a guaranteed issue policy may be the only way to get health insurance coverage for a high-risk condition. The good news is that it’s rare.

However, some health conditions require such policies, which shouldn’t come as a shock to anyone.

In addition, underwriting plans are usually available to most applicants, meaning they can get instant coverage at a lower premium.

Other states near Ohio that you may want to know about.

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In conclusion, burial insurance In Ohio is essential to life insurance. It is a type of insurance that pays for your funeral and other final expenses.

This insurance is easy to purchase and can be a great way to provide peace of mind for your loved ones. Get a quote and buy burial insurance now.