Buying The Best Burial Insurance Michigan In 2024

If you are a resident of Michigan, you may be wondering if you need burial insurance. The answer is yes – everyone should have some form of burial insurance, regardless of age or health.

This burial insurance can help your loved ones cover the costs of your funeral and burial, and it can also give you peace of mind knowing that your final expenses are taken care of.

There are many different burial insurance policies available in Michigan. The best way to find the suitable one is to compare other options and see the most affordable policy.

Find out more about what Michigan burial insurance offers and how to find the right policy for you by reading on.

What is Burial Insurance In Michigan

Burial insurance in Michigan is a type of life insurance that helps to cover the costs of your funeral and other end-of-life expenses.

It can be an essential part of financial planning, especially if you want to ensure your loved ones are not left with a large financial burden after you pass away.

There are a few different options for burial insurance in Michigan, and the best one for you will depend on your individual needs and circumstances.

You can purchase a stand-alone policy or add burial insurance to an existing life insurance policy. You can also get coverage through a funeral home or crematory.

No matter how you choose to get burial insurance, it is vital to shop around and compare rates from different companies. It will help you get the best coverage at the most affordable price.

Benefits of Burial Insurance Coverage:

The benefits of Burial Insurance In Michigan are as follow:

Affordable monthly premiums: With our low monthly premiums, you can afford the coverage you need without breaking the bank.

Fast Approval: You won’t need any medical examinations or health questions when applying for our affordable burial plans — fill out our simple application form online or over the phone, and we’ll get back to you quickly with an answer!

Guaranteed acceptance: If you are between 45 and 85, you’re guaranteed approval for coverage. No medical examination is required, which means there’s no way your health will affect your application.

No health questions asked: In many cases, people with pre-existing conditions have difficulty getting life insurance because insurance companies consider it a higher risk. Burial insurance isn’t true because it doesn’t cover any conditions that could worsen over time or result in death.

Pre-existing conditions coverage: You may qualify for burial insurance even if you have certain pre-existing conditions such as diabetes, cancer, or heart disease.

Premiums guaranteed to remain the same: Your burial insurance premiums will never go up, no matter how old you get or your health changes.

Cash benefit paid directly to your beneficiaries: If you die while your policy is in effect, the death benefit will be paid directly to the beneficiaries you designated when you applied for coverage. They can use it to cover funeral costs, pay off debts, or do anything else they choose.

Cash value is built over time: A portion of your premiums goes into a cash account that makes over time. This cash value account works like a savings account; you can use it for anything you want, including paying for your funeral.

Who Needs Burial Insurance In Michigan

Anyone who wants their loved ones to have the peace of mind that comes with knowing that their final expenses will be covered by insurance should consider purchasing burial insurance in Michigan. 

It’s relatively inexpensive, and you can purchase it at any age. It’s also relatively easy to qualify for burial insurance in Michigan if you have dependents or are married.

How Much Burial Insurance Should You Buy

Your coverage depends on your current financial situation and how much money you want to set aside for final expenses.

If you’re married, it’s a good idea to buy burial insurance equal to half of your spouse’s death benefit in case they pass away first so that their beneficiaries won’t have to pay out-of-pocket for any expenses associated with their funeral or memorial service.

How Much Does Burial Insurance Michigan Cost

The purpose of burial insurance is to cover the funeral costs in Michigan. It’s also known as burial, funeral, and death benefits.

The primary purpose of burial insurance is to help pay for the expenses associated with your burial or cremation. These include cemetery expenses, funeral costs, and other related expenses.

Burial insurance costs vary depending on several factors, including:

Your age and health condition. A younger person will likely have a lower rate than someone older, so their premiums are typically higher.

However, older people might be charged more because they are more likely to die sooner than younger people.

Average Cost Of Burial Insurance For Males In Michigan

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

Average Cost Of Burial Insurance For Females In Michigan

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

Whether you smoke or not. Due to the greater chance of developing lung cancer and cardiovascular disease, smokers’ rates will be higher.

These conditions may require expensive therapies and medications in the future.

The death benefit you choose. A higher death benefit will cost more because it will pay out more money to your beneficiaries in the event of your death.

Michigan Guaranteed Issue Burial Insurance

The guaranteed life insurance policy does not require any health questions so you can purchase it without hesitation.

However, these policies have a two or three-year waiting period. Upon expiration of that period, premiums are refunded, or a portion of the death benefit is paid. 

You can get a life insurance policy with an immediate death benefit at a lower price if you answer a few health questions.

Despite your history of serious medical problems, guaranteed issue life insurance may still be needed, but answering medical questions could help you save money and get you more options.

People can even take up plans over 80.

Types of burial insurance in Michigan

You can buy burial insurance as a stand-alone or part of another type of policy, such as whole life or term life insurance.

Whole life insurance:

Whole life covers you for your entire lifetime and pays a death benefit to your beneficiaries if you die during the policy term. The coverage will increase annually with a predetermined amount, regardless of how well the investment performs. If you withdraw some or all of this money before your death, you’ll typically pay an early withdrawal penalty that reduces the death benefit.

Term life insurance: 

Term life has lower premiums than whole life because it only covers you for a set period — typically 10, 15, or 20 years (the “term”) — instead of your entire lifetime. When this term expires, there is no cash value to keep paying premiums on the policy and no death benefit paid out unless you renew it before expiration dates pass by. Some policies allow you to continue paying premiums after the term expires without having to renew them (this is called an extended term), which would also keep the death benefit in place.

Average Funeral Costs in Michigan

According to official funeral expenses, Michigan residents paid between $1,000 and $9,000 on average for their final expenses last year.

However, the exact price of a funeral will depend on what the service chooses, the products you select, and the location of the ceremony. 

State of Michigan Leading Causes of Death 

The Michigan government, following are the ten most common causes of death in the state, as reported by the government:

  • Cancer
  • Heart disease
  • Stroke
  • Chronic lower respiratory diseases
  • Diabetes / Mellitus
  • Unintentional injuries
  • Kidney disease
  • Pneumonia/influenza
  • Alzheimer’s disease
  • Self-harm (suicide)

Free Look Period 

The free look period is when a policyholder can change their mind and subsequently receive a refund of their premium, usually one to two weeks after the policy is purchased.

It is a requirement of many states that insurers allow you to change your mind.

Many insurance companies still offer free looks to Michigan customers on their own, despite Michigan not having this requirement. 

Average Life Expectancy in Michigan

A state like Michigan, the 35th highest state in terms of life expectancy at birth, has a life expectancy of 78.1 years, compared to the national average of 79.2 years.

Don’t forget this: As a resident of Michigan, you will have the same rate as those living in Hawaii or Oregon.

Therefore, you won’t be paying a different rate because you live in Michigan.

In a nutshell

The sooner you act, the better, regardless of your age. I think it would be helpful if you took action now. If you wait until later, your policy will most likely cost you more than it does now.

Additionally, if you do not have insurance, your family will be left with a pretty heavy financial burden.

Is Michigan Burial Insurance Worth It

There are many options to consider when shopping for life insurance. Burial insurance is one type of policy that can provide financial security for your loved ones during your death.

Michigan Burial Insurance rates are generally cheaper than whole life insurance policies but offer many of the same benefits.

You can use burial insurance to cover funeral costs and any outstanding debts or final expenses you may leave behind.

If you’re considering buying a burial insurance policy in Michigan, comparing quotes from multiple carriers to find the best rate is essential.

Burial insurance rates in Michigan vary depending on your age, health, and smoking status.

No matter what your age, it’s never too late to start thinking about your burial insurance needs.

Burial insurance can provide peace of mind for you and your loved ones, knowing that your final expenses are covered.

If you’re looking for affordable Burial Insurance in Michigan, contact today. We can help you compare quotes from multiple carriers to find the best rate for you.

Michigan Burial Insurance: How To Find It

Going it alone in this state can be challenging when finding the absolute most affordable burial insurance policy.

There have been many cases where people have called around to find the best plan without much success. As a result, it is best to leave this heavy lifting to a qualified agency.

In a nutshell: An independent brokerage with free access to all the top-rated carriers in your state can help you choose the right burial insurance in Michigan. 

This way, you can compare insurance prices quickly and easily through an agency like this. Then, they will find the insurance company that best suits your needs.

Interested in this type of agency but don’t know where to find it? is the agency you will need. The agency you’re looking for is here, so you won’t have to search too hard for one.

In addition to representing many highly rated insurance companies operating in Michigan, we are a highly experienced agency specializing in final expense life insurance.

Those searching for burial insurance in Michigan might want some specific information. Please get in touch with us if you need help or are looking for a local agent.

Why should you choose

Considering final expense life insurance? Let us earn your business. Our experience and tools allow us to help you in a way no other company can.

It would help if you let earn your business because we have helped thousands of people in Michigan. Here are three reasons we should be your first choice.

  1. We are independent and offer insurance from a variety of well-known companies in this state, so we can compare the prices and determine which insurance company offers you the best price. We want to find you the most affordable burial insurance in Michigan.
  2. It’s our specialty to provide final expense insurance, so no one else can help you better. However, it would help if you kept in mind that each insurance company evaluates your health differently.
  3. To get low rates and instant coverage, you need to know which companies value your health favorably. Our team has spent years learning how to underwrite each insurer so that you can take advantage of what we have learned. Our focus is simply on you and your family. You will choose the final expense company based on your needs and those of your family.

It’s easy to see why we are one of the top burial insurance resources online. You’ll be glad you did. Call us at 855-380-3300 or fill out this quote form, and we’ll get in touch with you.

Please include your best contact number so we can get in touch with you.


Please don’t wait until it’s too late to start considering your burial insurance needs. Burial insurance can provide peace of mind for you and your loved ones, knowing that your final expenses are covered.

If you’re looking for affordable Burial Insurance in Michigan, contact today. We can help you compare quotes from multiple carriers and find the best rate for you.

Call us at 855-380-3300 or fill out this quote form, and we’ll be in touch.