Affordable Burial Insurance In South Carolina

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Above all, being able to find affordable burial insurance in South Carolina should not be a feat.

The death of a loved one is always a difficult time. Not only are you grieving the loss, but you also have to deal with the practicalities of funeral arrangements and expenses.

If you live in South Carolina, you may be wondering if you can get affordable burial insurance.

The good news is that there are a number of options available to you. There are a number of insurance companies that offer affordable burial insurance in South Carolina policies.

You can also get a policy through the South Carolina Funeral Directors Association.

Whatever route you decide to go, it’s important to do your research and compare different policies before you make a decision.

This article will provide you with all the information you need to get affordable burial insurance in South Carolina.

What is Burial Insurance In South Carolina?

Affordable burial insurance in South Carolina is a type of life insurance that helps cover the costs of your funeral and burial expenses.

South Carolina Burial Insurance

It can be an important part of your financial planning, especially if you don’t have a lot of savings.

Burial insurance can be purchased from a life insurance company through an agent. It is typically a whole life insurance policy, which means that it will cover you for your entire life.

The death benefit from a burial insurance policy can be used to cover the costs of your funeral, cremation, and burial expenses.

If you are a resident of South Carolina, there are a few things you should know about burial insurance.

  • First, you should be aware that the state of South Carolina does not have a law requiring funeral homes to accept burial insurance as payment for funeral expenses. However, most funeral homes in the state will accept burial insurance as payment.
  • Second, you should know that South Carolina does not have a law requiring insurance companies to offer burial insurance. However, many insurance companies do offer burial insurance policies. If you are looking for a policy, you should contact your life insurance company to see if they offer burial insurance.
  • Third, you should know that the death benefit from a burial insurance policy is paid to the beneficiary named on the policy. The beneficiary can use the death benefit to pay for funeral expenses, but they can also use it for other purposes, such as to help pay off debts or to help with living expenses.

What Does South Carolina Burial Insurance Cost?

Above all knowing how much burial insurance will cost will enable you to budget appropriately. Below are some sample rates to give you an idea of what the cost would be for $10,000 in simplified whole life.

The range is “relatively good health” to a “no questions asked” policy.

Approximate Monthly Premium For $10,000 Death Benefit 

45$22 – $35$26 – $48
50$23 – $40$30 – $57
55$27 – $48$35 – $62
60$32 – $55$43 – $69
65$40 – $67$55 – $92
70$52 – $81$74 – $107
75$71 – $117$99 – $151
80$97 – $191$139 – $233
85$135 – $221$192 – $313
South Carolina Burial Insurance Rates

Be aware of how many burial insurance companies there are, about 1,400. Yes, you read that right. How do you find the best one for you?

It is not a “one size fits all”, and many “in your face” carriers like State Farm will overcharge you up to 50%. So ALWAYS shop with an independent agency like us before making any decisions.

What Are the Benefits of Burial Insurance in South Carolina?

There are many benefits to having affordable burial insurance in South Carolina.

Cover the costs of your funeral:

Burial insurance covers the costs associated with planning and holding a funeral service, including burial or cremation expenses, cemetery costs, headstones or markers, and more.

Types of South Carolina Burial Costs (Average Statewide)

Burial TypeAvg CostPrice Range
Direct Cremation$945$775-$4,125
Immediate Burial$3,890$1,050-$4,475
Cremation Memorial$1,936$1,325-$3,575
Full Service$4,355$2,150-$9,500

Keep in mind these are average statewide costs of funeral types. However, in major cities like Greenville and Columbia prices are higher.

Provide peace of mind:

Having peace of mind is one of the most important benefits of burial insurance because it allows you to focus on other aspects of life during times when death is not at the forefront of your mind.

This includes taking care of family matters and getting back to work after an unexpected death occurs.

Help your family financially:

If you die unexpectedly and you were the primary breadwinner, your family could be left with a huge financial burden.

With burial insurance, your family will receive money to help cover funeral expenses, pay off debt and other bills, and provide for their future needs.

Make things easier for your loved ones:

Having affordable burial insurance in South Carolina can make things easier for your family members after you pass away because they do not have to worry about paying for any funeral or burial expenses out of their own pockets; they simply collect the benefits from the policy instead!

Choose how your policy is used:

You can choose how your policy is used by designating a beneficiary who will be authorized to use the money on your behalf.

If you don’t designate a beneficiary, then the policy will be used for any purpose at all. 


Affordable burial insurance is extremely affordable compared to other types of life insurance. It’s also one of the least expensive ways to provide financial protection for your loved ones after you die.

Flexible coverage:

Burial insurance can be purchased with flexible coverage amounts and term lengths so you can get exactly what you need without paying more than necessary. 

Fast and easy application process: 

The application process is quick and easy, and you can get coverage within minutes! Even if you have a pre-existing medical condition, we will still be able to get you coverage.

No medical exam required:

There are no medical questions or health exams needed when applying for this type of coverage — making it an ideal choice for those with pre-existing conditions or those who don’t qualify for other types of life insurance (due to health issues).


The policy is portable, meaning that you can bring it with you wherever you go. This means that no matter where you live or move to in the future, your policy will be there with you.

So if you move to Florida or Ohio you will be fine.

The Free Look Period

Generally speaking, the free look period in insurance is a period of time during which policyholders can refuse a contract for any reason.

Furthermore, they are eligible for a refund of premiums paid if they return the policy within 30 days of purchase. Free look periods in South Carolina last between 10 and 20 days.

It ensures that you have the opportunity to ensure that the insurance policy suits your needs before you purchase it. As well as protecting you against unscrupulous agents, this law protects you from scams.

Leading Causes of Death in South Carolina

A high death rate is due to the following top ten causes, according to the Centers for Disease Control and Prevention (CDC):

  • Cancer
  • Heart disease
  • Accidents
  • Stroke
  • Chronic lower respiratory diseases
  • Diabetes
  • Alzheimer’s disease
  • Septicemia
  • Kidney
  • Suicide

South Carolina’s Life Expectancy

The average life expectancy in South Carolina is among the highest in the country. In South Carolina, the average citizen lives to be 74.8 years old.

Remember: Except for Montana, residents in every state pay the same amount each month for life insurance (unisex rates).

South Carolina Final Expense Insurance

Burial & Funeral Expectations in South Carolina

The disposition of bodies and the laws surrounding death differ from state to state. When a relative dies in South Carolina, there are specific statutes that must be followed.

Death Certificates

Death certificates are issued electronically in South Carolina. An online response form must be completed and signed electronically within five days after someone dies and plans to have a service in a funeral home.

State records will show that the death certificate is “in-process” until the final cause of death is determined. An autopsy will delay the certificate if the deceased undergoes one.

The death certificate must be issued before insurance companies can pay death benefits.

It is possible for your loved ones to obtain a death certificate without hiring a funeral director. The death certificate will be filed at a Regional or State Vital Records Office within five days of the death.

They must receive the death certificate before the 5-day period, which includes the date, time, and cause of death.

Refrigeration and Embalming

Embalming is not required in South Carolina. According to state law, refrigeration and dry ice can be used to preserve a body.

Burial Requirements

A casket is not required for burials in South Carolina. In addition, cremation containers must be rigid wood, fiberboard, metal, corrugated, and other alternatives.

If you decide that you want a casket, you are not required to purchase it from the funeral home as stipulated by the Funeral Rule. It can be purchased from Costco or other places for much less money.

There are laws in South Carolina regarding the disposition of bodies after death.

The next-of-kin, the spouse, the children over the age of 18, the parents, and siblings are generally the decision-makers in a death. In the absence of family, the court or someone legally authorized can appoint a guardian.

Cremation Services

There are strict rules regarding who can order cremation in South Carolina, although cremation is legal in the state. Here is a list of people in the state who can order a cremation:

  • You: An individual must submit authorization for cremation while they are still alive.
  • You can give someone else the power to order your funeral service by going to name them in a document that has been checked and signed.
  • Your current partner: You can’t split up.
  • The adult children.
  • Your parents.
  • Your adult sisters and brothers.
  • Your grown-up grandkids.
  • Your grandparents.
  • A legal guardian is someone who is put in charge of you by a court.
  • Anyone with the right to take care of their body.

South Carolina’s Average Funeral Costs

There are a variety of expenses associated with final arrangements that can range between $795 to $9,450 in South Carolina.

However, the final cost of your final arrangements will depend on how you plan to have the service carried out, the type of products you decide to use, and the location of your funeral.

Why you should choose

There are many different companies that offer affordable burial insurance in South Carolina. But not all sites are made the same. Here are the three most important reasons why you should buy your policy directly from us.

Since we are not tied to any one burial insurance company or state-regulated program, we can talk to many of them and make sure you get the best prices.

  • We are a business that only cares about what our clients want. Our business model is based on meeting our client’s needs, and we don’t prefer one insurance company over another. We try to get our clients the best policy possible; no other agency or agent can do that better than we can.
  • Our company has been selling life insurance for funeral costs for a long time. We know exactly how each carrier works because we have reviewed thousands of applications. Based on this information, we can find companies that care the most about your health and will accept you for the least amount of money.
  • Our goal is to give our clients accurate and up-to-date information so they can make smart choices, but we don’t force them to do so. It might be hard to find a company that has all of these things.


Making funeral arrangements can be a difficult task, but it’s important to be prepared. Knowing the law and your rights can help you make the best decisions for yourself and your loved ones. is here to help you through the process and get you the best burial insurance policy possible. We have years of experience and know how to get our clients the best possible coverage.

Contact us today, and let us help you find the perfect policy for you and your family.