The Best Burial Insurance Kentucky in 2024

Searching for burial insurance Kentucky and finding the best? Find out how below!

Burial insurance is a kind of insurance that helps cover the costs of your funeral and burial. It’s also sometimes called “funeral insurance.”

Burial insurance differs from life insurance, although they share some similarities.

Life insurance is designed to help your loved ones financially after you die, while burial insurance explicitly covers funeral costs.

In Kentucky, the average funeral costs $7,360, which can strain your loved ones if you don’t have burial insurance.

But the good news is that burial insurance is relatively affordable, with most policies costing less than $30 per month.

In this article, we’ll provide an overview of burial insurance in Kentucky and help you find the most affordable policy for your needs.

What is Burial Insurance In Kentucky?

Burial insurance is a kind of insurance that helps cover the costs of your final expenses, including your funeral, burial, and other related costs.

This type of insurance can be beneficial if you are concerned about leaving your loved ones with the burden of these expenses.

There are some things to remember regarding Kentucky burial insurance. The first step is to determine how much coverage you need. 

Many factors need to be considered, including the burial and funeral costs. You will also need to decide who will be the beneficiary of your policy.

It is an important decision, as your loved ones will be the ones who will receive the death benefit from your policy.

Lastly, you should choose a payment option that is affordable for you. There are several different options available, so be sure to shop around and compare rates before you make a decision.

The average funeral costs in Kentucky are $7,360, which can burden your loved ones if you don’t have burial insurance.

How Does A Final Expense Policy Work?

When purchasing burial insurance in Kentucky, the policyholder pays an initial premium and then pays small monthly installments until they die or cancel the policy.

You will make a lump sum payment to your beneficiaries if you do not cancel your policy before you die and your policy has been paid in full.

However, if you cancel the policy before it is paid in full, you will not receive any death benefits, and your beneficiaries will not receive any money.

It’s essential to keep in mind that most final expense policies have a waiting period of two years. Your policy’s death benefits will not be paid if you die within the first two years of its purchase.

Kentucky Funeral Costs

On average, a Kentucky funeral costs $7,353 if you want to host a viewing.

Of course, the price will depend upon the extent to which you want to include the essentials (such as flowers, music, and catering) and the location you select.

How Much Does Burial Insurance Cost In Kentucky?

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

Age: Age is a significant factor that affects your premium. The younger you are, the lower your premium will be. It is because younger people are generally healthier and lower the risk of death. We offer coverage for ages 50 to 90.

Health: Your health is also a factor that will affect your premium. If you are in good health, you will likely pay a lower premium than someone in poor health. It is because those in good health have a lower risk of death. Statistically, health starts to deteriorate in your 70’s.

Amount of Coverage: The amount of coverage you need will also affect your premium. If you need more coverage, you will pay a higher premium.

However, ensuring you don’t buy more coverage than you need is vital. Otherwise, you will end up paying for coverage you may never use.

Payment Option: The payment option you choose will also affect your premium. You will usually get a discount if you pay your premium in one lump sum.

However, this may not be an option if you are on a tight budget. You will likely pay a higher rate if you pay your premium monthly.

Average Cost Of Burial Insurance For Females

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

Average Cost Of Burial Insurance For Males

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

Kentucky Funeral & Burial Expectations

Here is some important information on burial insurance in Kentucky.

NDFA statistics indicate that the average funeral in Kentucky costs $7,353 with viewing and burial.

The average cost of a funeral starts at around $800; however, when you add in other essentials such as a burial vault and casket, let alone niceties such as flowers and transportation for the deceased and their family, it increases significantly.

Funerals, burials, and cremations in Kentucky have many regulations you should be aware of when planning final arrangements and the cost.

Death Certificates

Here is some important information you need to know when purchasing burial insurance in Kentucky.

Kentucky Electronic Death Registration System (KY-EDRS) records all deaths in the state of Kentucky.

The funeral director submits an online death certificate to the medical certifier after completing their portion. You can complete the process in two parts.

Medical certifiers who don’t use KY-EDRS receive certificates on 25 percent cotton bond paper with a watermark.

After completing their certificates, medical certifiers resubmit them to funeral directors electronically.

A medical certifier must submit a completed death certificate electronically within five days of the death if they are registered users of the system.

The medical certifier must submit the completed form within five days of the death.


No laws or regulations require an embalmed body to be buried in Kentucky.


There are no rules or regulations in Kentucky that require a casket or vault to be placed under the deceased. However, some cemeteries require either or both, so check with the cemetery first.

The following individuals can only decide a deceased person’s final disposition:

  • Adult children
  • Agents named in your written declarations
  • Surviving parents
  • A spouse
  • Grandchildren
  • Siblings
  • Next of kin
  • A person who has a prepaid funeral plan that outlines your arrangements after contacting all your family members and friends listed above

Coroners in the counties where deaths occur must issue permits granting authorization before a body can be transported to a funeral home.

Free Look Period when buying burial insurance in Kentucky.

When consumers sign up for an insurance policy in Kentucky, they are entitled to a 10-day period of “free look,” in which they can get a full refund.

Kentucky allows consumers the opportunity to change their minds for 20 days if the policy purchased is a replacement policy.

Kentucky’s Life Expectancy

Statistically, it’s important to understand life expectancy if you are looking for burial insurance in Kentucky.

As far as average life expectancy is concerned, Kentucky ranks among the top in the country, with an average lifespan of 76 years.

Kentucky currently ranks 47 out of 51 states in the entire USA for average life expectancy.

There is only one exception: Montana has unisex rates for life insurance, so your rates will be the same no matter where you live.


A ceremonial cremation in Kentucky requires a permit from the coroner where the death occurred. The ashes of a cremation can be scattered or kept at the following places:

  • Crypts, graves, and niches
  • An area designated for scattering
  • Owned by a private party (with permission)

Getting permission or a permit to keep or transport ashes is generally unnecessary.

Kentucky’s leading causes of death

There are several causes of death in Kentucky that are listed by the Centers for Disease Control and Prevention (CDC) as leading causes of death:

  • Cancer
  • Heart disease
  • Accidents
  • Chronic lower respiratory disease
  • Alzheimer’s disease
  • Stroke
  • Kidney
  • Diabetes
  • Flu/pneumonia
  • Septicemia

Some life insurance firms provide customized policies for sick persons. Heart disease patients may qualify for life insurance. If you die while applying for coverage, you’ll get some of your premiums refunded.

You’ll also get any prepaid premiums. Higher premiums and a waiting time are required before the coverage takes effect.

Apply for final expenditure coverage even if you have a medical condition. You may assist your loved ones in escaping financial burdens by doing so.

An incredibly forgiving underwriting process

Funeral insurance policies have one of the most excellent features – underwriting.

People with health issues can still qualify for final expense policies due to specially designed underwriting. It means that It would not decline them for other forms of traditional life insurance. But wait

Moreover, burial policies do not ask about your health at all. They will guarantee approval regardless of your health status. These policies have a 2-year waiting period before You can process the death benefit.

The majority of the time, they are not for those who are suffering from chronic or life-threatening conditions like CHF, Alzheimer’s, or currently have cancer.

Generally, applicants for burial insurance plans who do not have waiting periods are eligible for them. Don’t be afraid to apply because you might get approved.

Other States you may be interested in:

How To Choose The Best Final Expense Policy

The following are a few things to keep in mind, however, to keep it short.

  1. Most carriers require you to buy life insurance from an agency rather than directly from the insurance company. Insurance companies don’t sell their products directly to consumers. They sell them through agencies and agents.
  2. Your insurance premiums are not higher when you work with an agency or agent. In addition, working with a “middle man” will not cost you more money.
  3. You won’t hear of many credible and trustworthy life insurance companies in the US because they don’t advertise widely. The companies do not spend millions on advertising, so they sell their products through agencies like ours. It does not mean they are unreliable or irrelevant. The rates and underwriting are competitive, so one of them might be right for you.

A cost-effective burial insurance plan provides you with the most effective coverage and is provided by a reputable company.

It is more critical to look at the price and coverage of a company than its annual revenue or reputation.

Let’s sum it up.

An independent insurance agent representing at least ten insurers needs to be contacted to find the most suitable final expense policy.

Why You Should Let Help You

The process of obtaining burial insurance is very simple. Many companies are eager to sell you a policy. However, not all companies are made equal.

Most companies exist solely to make life easier for their agents and employees at the expense of consumers.

The company and processes we use are structured in a way that is in your interest. Choose Mutual is your best choice for burial insurance in Kentucky for three reasons.

  1. Our agency is independent and will remain so for the foreseeable future. Having choices is crucial, as there is no single life insurance company that will be the right fit for everyone. It means we represent a lot of companies. We may match you with any final expense company depending on your situation.
  2. We have been in the funeral expense business for more than a decade. Therefore, you can feel confident that we deeply understand everything related to final expense life insurance.
  3. Our goal is to assist you in getting the best outcome possible, so when we make recommendations, we make them per your needs.


After learning about how to get burial insurance in Kentucky, it’s time for you to take action and put these tips into action.

We know that choosing life insurance can seem overwhelming, so we are here to help you. Our independent insurance agents represent more than ten top-rated life insurance companies.

We’ll work with you to find the right policy at the best price. Call us today or fill out our online form to get started.

Other Burial Insurance Information