2024 Guide For The Best Burial Insurance In Colorado

Burial insurance in Colorado is also known as final expense insurance. It’s a type of life insurance that covers burial expenses and final costs if you pass away.

If you live in Colorado and are looking for affordable burial insurance, this guide will help you find the right policy to meet your needs at a reasonable cost.

We’ll cover topics such as eligibility, coverage amounts, and the cost of burial insurance in Colorado. Keep reading to learn more.

What Is Burial Insurance In Colorado?

Burial insurance in Colorado is life insurance that helps pay for final expenses. This type of policy is called “final expense insurance” or “funeral insurance.”

It’s designed to cover the costs of a funeral, cremation, burial, and other end-of-life expenses.

Burial insurance is a whole life insurance policy, which means it doesn’t expire as long as you continue to pay the premium. It differs from term life insurance, which only covers you for a specific period.

In addition, whole-life policies have level premiums, meaning your rate will never increase, no matter how old you are when you die.

Burial insurance policies also have a death benefit, the payout your beneficiaries will receive if you pass away.

You can use the death benefit to cover final expenses, including funeral costs, unpaid medical bills, or outstanding debts.

What Are the Benefits of Burial Insurance?

One of the most common questions asked by people looking for affordable burial insurance in Colorado is, “What are the pros of burial insurance?”

  1. Protection from the risk of inheriting an unplanned expense.
  2. The peace of mind that comes with knowing you will have the resources to pay for your loved one’s final expenses should something happen to you unexpectedly.
  3. The opportunity to provide for your family members, mainly if they cannot work because of a disability or illness.
  4. The ability to share your final wishes and plans for their final ceremonies and services, including those for cremation or burial.

How Much Coverage Do I Need For Burial Insurance In Colorado?

The amount of coverage you need for burial insurance in Colorado will depend on your individual needs and circumstances.

Factors to consider include the costs of your funeral, final expenses, and any outstanding debts or bills you want to be paid off.

Most burial insurance policies in Colorado range from $5,000 to $25,000 in coverage. It is typically enough to cover the average funeral cost between $7,000 and $10,000.

Here are the averages for End of Life costs in Colorado:

End-of-Life Costs in Colorado

End-of-Life Costs in Colorado

Total Estimated Cost $26,257
Average Funeral Expenses $9,390
Average End-of-Life Medical Costs $16,868
Colorado doesn’t have an estate tax or an inheritance tax. Medical expenses related to dying total approximately $16,868, and the average cost of a funeral is $9,390.

Information courtesy of Go Banking Rates

How Much Does Burial Insurance Cost In Colorado?

The cost of burial insurance in Colorado will vary depending on factors, including age, health, and the coverage amount.

Call InsuranceForBurial.com today. We will go over this in detail and only takes about 5 minutes!

Generally speaking, the younger and healthier you are, your premium will be lower. But, again, because there’s a lower risk of you passing away, the insurance company is less likely to pay out a death benefit.

The coverage amount you choose will also affect the cost of your premium. A higher coverage amount will result in a higher premium, while a lower coverage amount will result in a lower premium.

To give you an idea of the average cost of burial insurance in Colorado, a healthy 35-year-old man can expect to pay around $36 per month for a $20,000 policy.

Contact a licensed agent today to get a personalized quote for burial insurance in Colorado.

Average Cost Of Burial Insurance For Females

Age $5,000 $10,000 $20,000
40 $10.40 $20.79 $37.20
45 $12.51 $22.61 $42.01
50 $13.75 $24.23 $44.86
55 $15.45 $27.60 $51.58
60 $18.04 $32.71 $61.80
65 $22.11 $40.77 $77.93
70 $28.22 $52.88 $102.15
75 $37.28 $70.94 $138.27
80 $50.41 $97.50 $191.66
85 $67.50 $131.66 $259.99
89 $132.83 $262.32 $521.31
90 $151.59 $299.77 Not Available

Average Cost Of Burial Insurance For Males

Age $5,000 $10,000 $20,000
40 $11.19 $22.38 $44.05
45 $13.49 $25.92 $48.50
50 $16.30 $30.55 $57.48
55 $19.58 $35.76 $67.91
60 $23.48 $43.49 $83.37
65 $28.79 $53.97 $104.34
70 $36.67 $69.78 $135.95
75 $50.41 $97.30 $190.99
80 $68.75 $134.16 $264.99
85 $90.83 $178.17 $352.84
89 $172.08 $340.82 $678.31
90 $178.76 $354.11 Not Available

How Do I Get Burial Insurance In Colorado?

If you’re ready to purchase burial insurance in Colorado, the best way to do it is through a licensed life insurance agent.

An agent can help you compare policies from different insurance companies to find the one that best meets your needs. They can also answer any questions about coverage, premiums, or eligibility.

An agent can help you compare policies and prices from different insurance companies to find the best coverage for your needs at an affordable cost.

When shopping for burial insurance in Colorado, be sure to compare the following:

  • Coverage amounts
  • Premium costs
  • Eligibility requirements
  • Exclusions and riders

A licensed life insurance agent can help you compare policies and prices from different insurance companies to find the best coverage for your needs at an affordable cost.

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Colorado’s Top Cities: A Look at Burial Insurance For Seniors

Surrounded by stunning mountains and blessed with over 300 days of sunshine a year, Colorado Springs has become an ideal destination for seniors.

But while enjoying the unparalleled beauty of this city, we cannot ignore the realities of life, including planning for burial insurance.

The transition into our later years calls for informed decisions, specifically about burial insurance. Therefore, let’s shed light on the burial insurance options available for seniors in Colorado Springs.

We aim to demystify this often-complex subject, equipping you with the knowledge to make the most suitable choices for you and your loved ones.

It’s not merely about financial safeguarding; it’s about granting yourself peace of mind, knowing that you’re adequately covered for the journey ahead.

Our goal is to help you be equip with the knowledge you need to make an informed choice about burial insurance in your surrounding Colorado areas!

Death Causes in Colorado

Based on data from 2017, the following are Colorado’s leading causes of death (according to the National Center for Health Statistics):

  1. Cancer
  2. Heart disease
  3. Accidents
  4. COPD
  5. Stroke
  6. Alzheimer’s disease
  7. Suicide
  8. Diabetes
  9. Chronic liver disease/cirrhosis
  10. Influenza/pneumonia

Some insurance companies will still cover you even if you have one of these severe conditions.

For example, a heart disease patient may qualify for a modified plan but must pay higher premiums and wait a short period before the policy takes effect.

Your premiums, plus a small additional percentage, will be refunded if you pass away during this waiting period.

The time to apply for final expense life insurance is never too late, regardless of your health condition, to protect your family from the financial burden your passing may bring.

Free Look Period In Colorado

When you purchase a life insurance policy in Colorado, you have 20 days to decide if it’s the right fit. It is known as the free look period, giving you time to review your policy and ensure it meets your needs.

If you decide during the free look period that the policy isn’t right for you, you can cancel it and receive a full refund of your premium.

Contact your insurance company to cancel your policy during the free look period and let them know that you’d like to cancel.

Not all life insurance policies come with a free look period, so be sure to ask about this before you purchase a policy.

No Medical Exam in Colorado

To qualify for life insurance, you may decide not to take a medical exam based on your current or previous health conditions.

Many companies offer guaranteed final expenses products if you prefer not to divulge your health status.  You don’t need to take a medical exam and answer health questions when purchasing these policies.

However, the insurance company assumes the risk of covering someone without knowing how sick they are, so these plans have the highest premiums.

BurialForInsurance Company, for example, offers standard, whole-life final expense life insurance without a medical exam.

The insurance company assumes less risk with these types of policies so you will pay less for them. To qualify, you answer a few health questions on the application. 

Colorado’s Burial Expectations

NDFA estimates that the average price for a funeral with viewing in Colorado is $6,907. That price does not include caskets, vaults, flowers, transportation, or other everyday funeral expenses.

Colorado also has some specific state-specific requirements that you need to know about besides price.

Death Certificates

A death certificate must be filed with the state or local vital records office within five days before a body is buried or cremated in Colorado.

Within 48 hours of the death, the physician or caretaker must complete the medical certification section of the death certificate.

The coroner must complete this portion of the death certificate following an investigation into the death of the applicant.

Cremated remains are usually handled by the funeral home, mortuary, crematory, or anyone responsible for managing them.

The death certificate is generally filed when the remains are delivered to the crematory.

In the state of California, there are specific guidelines regarding who can make arrangements for both burial and cremation. They include the following:

  • You should designate the person who should make disposition decisions in your “declaration instrument.”
  • Those people you nominate as your representatives or special administrators.
  • If you are legally separated, your spouse is the surviving spouse.
  • Your adult child will make arrangements. 
  • Your parents
  • Your siblings
  • The state will appoint a public administrator if you do not have an executor.


Colorado’s cremation arrangements can be handled by the same people mentioned above.

The state passed a law in 2011 that allows alkaline hydrolysis in addition to traditional cremation. A body is reduced to liquid and bone through a chemical process, which makes cremation “greener.”)


Colorado law doesn’t require caskets for burials. However, some cemeteries do, and the graves can be conducted on private property as long as the county clerk is notified within 30 days.

Embalming and Refrigeration

A deceased person must be embalmed or cooled within 24 hours if they are not buried or cremated immediately.

In addition, Colorado law requires embalming or shipping the body in a hermetically-sealed container if it is transported to another state by a common carrier.

What was the beneficiary’s use of the payout?

A beneficiary is not required to use the payout for any specific purpose. However, there are several items that beneficiaries usually purchase with this money.

  • Funeral
  • Cremation
  • Credit Cards
  • Memorial/Celebration of Life
  • Leaving an Inheritance
  • Remaining Balance on a Mortgage
  • Remaining Car Loan Balances
  • Charity Donations
  • Post-Mortem Expenses
  • Medical Bills
  • Legal Expenses
  • Other Final Expenses

When Should I Get Burial Insurance In Colorado?

There’s no “right” time to get burial insurance in Colorado. However, the best time to purchase a policy is when you’re young and healthy, which will help ensure you get the most affordable rates.

However, if you wait too long to get coverage, you may develop a health condition that makes you ineligible for coverage.

If you have a family history of serious illness, it’s a good idea to get coverage as soon as possible.

Reach Out To Us

If you are having trouble finding an affordable final expense plan, know you aren’t alone in finding the best burial insurance in Colorado. Here at InsuranceForBurial.com can help you obtain the right policy for you and your family’s needs.

Many of our customers came to us after experiencing difficulty finding a plan. Colorado has several well-qualified burial insurance companies that offer coverage. 

This section will show you how to find the best insurance company that offers the best coverage for your final expenses and the best insurer that will provide you with affordable coverage for your final costs.

Choosing an independent agency representing multiple burial insurance companies is the best way to get the best burial insurance plan in Colorado.

As an independent agency, we are free to compare prices with all the top final expense insurance companies in Colorado to find you the best deal. 

Additionally, we are experienced in underwriting. It means we know with virtual certainty which companies will accept your health risk.

As a result, our insurance rates are low and don’t require a waiting period. We can help you find burial insurance within the major cities of Colorado if you prefer to obtain specific information.

Related Articles


1. What is Burial Insurance in Colorado?

Burial Insurance in Colorado is a specialized life insurance policy intended to cover funeral expenses and other end-of-life costs for residents of Colorado.

2. Who is eligible for Burial Insurance in Colorado?

Typically, residents of Colorado aged between 50 and 85 are eligible, but this can vary depending on the insurer.

3. How does Burial Insurance in Colorado differ from standard life insurance policies?

This insurance focuses on providing coverage for funeral expenses and is generally easier to qualify for with lower coverage amounts than traditional life insurance.

4. Are there specific regulations in Colorado affecting Burial Insurance?

Colorado may have particular regulations regarding insurance policies, which could impact terms and consumer protections for burial insurance.

5. What are the average funeral costs in Colorado, and how does this affect burial insurance?

Funeral costs in Colorado can vary widely, so it’s important to choose a policy with adequate coverage to meet these expenses.

6. Is a medical exam required to obtain Burial Insurance in Colorado?

Typically, no medical exam is required, but some health questions might be asked during the application process.

7. Can someone outside of Colorado purchase Burial Insurance for a loved one in the state?

Yes, non-residents can usually buy burial insurance for a family member in Colorado, subject to insurer policies.

8. What is the timeframe for claim processing in Colorado?

Claims are often processed promptly, typically within a few days after all necessary documents are submitted.

9. Does Burial Insurance in Colorado offer any unique riders or benefits?

Some policies may include riders or benefits tailored to the needs of Colorado residents, such as accelerated death benefits.

10. How should one choose a Burial Insurance policy in Colorado?

t’s advisable to compare different policies based on coverage, premiums, and any Colorado-specific provisions or benefits.


There are many reasons to purchase burial insurance in Colorado. Burial insurance can help you cover the costs of a funeral, cremation, or other end-of-life expenses.

Burial insurance is an affordable way to ensure your loved ones are not burdened with your final expenses.

Affordable burial insurance in Colorado is available through many different carriers.

The best way to find the most affordable policy for your needs is to get quotes from multiple carriers and compare their rates.

Be sure to consider each policy’s coverage and benefits to find the best value for your needs.

Contact a licensed life insurance agent today if you’re ready to purchase a policy.

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