Affordable Burial Insurance in Rhode Island

If you are looking for affordable burial insurance in Rhode Island, you have come to the right place!

Burial insurance is a type of insurance that helps cover the costs associated with your funeral and burial. It’s an essential piece of financial planning, as the average funeral can cost several thousand dollars. 

If you’re a Rhode Island resident, you may wonder if you can get burial insurance in your state. The good news is that you can! Some different insurers offer burial insurance in Rhode Island. 

There are many options available regarding burial insurance, and it can be challenging to know which one is right for you.

This article will provide an overview of burial insurance in Rhode Island, including how it works and how to find the right policy for your needs.

What Is Burial Insurance in Rhode Island?

Burial Insurance in Rhode Island is a type of insurance that helps cover the costs associated with your funeral and burial.

It’s an essential piece of financial planning, as the average funeral can cost several thousand dollars.

Burial insurance can help ease the financial burden on your loved ones after you pass away. 

 It is the type of life insurance that helps pay for the costs of your funeral and other end-of-life expenses. In Rhode Island, burial insurance policies are regulated by the state’s Division of Insurance.

Burial insurance is an essential type of coverage, as it can help ease the financial burden on your loved ones after you pass away.

Funeral costs can be expensive, and having a burial insurance policy can help ensure that your loved ones don’t have to worry about how they will pay for your funeral.

If considering purchasing a burial insurance policy, shop around and compare rates from different insurers.

You can also speak with your local funeral home to estimate funeral costs in Rhode Island.

How Burial Insurance Works in Rhode Island

Burial insurance is a type of life insurance. It means that it pays out a death benefit to your beneficiaries when you pass away.

You can use the death benefit to cover the costs of your funeral and burial and other final expenses. 

Burial insurance policies are typically “whole life” policies that last for your entire life. It differs from term life insurance, which only lasts for a set period. Whole-life policies also have an investment component, which can help the policy grow over time.  

Burial insurance policies typically have level premiums, meaning they stay the same yearly. It can make budgeting for your policy easier, as you won’t have to worry about your rates going up over time. 

The Free Look Period

In the realm of insurance, there’s a legal term known as the ‘free look period’. Essentially, this provides a safety net, ensuring that you, as a policyholder, have the right to reject any contract for any reason you see fit.

Moreover, should you decide to return the policy to your Rhode Island insurance provider within this free look period, another advantage comes into play.

Notably, you’ll receive a complete refund of any premiums you’ve already paid. This feature acts as a reassurance that you’re making the right choice for your needs.

The free look period usually lasts at least 20 days in Rhode Island.

Enacting this insurance provision gives you the opportunity and protection from being cheated by unscrupulous agents seeking to mislead you about your policy.

Also, you are protected by the law against being duped by unscrupulous insurance agents.

What is the average funeral cost in Rhode Island?

The National Funeral Directors Association estimates that the average cost of a funeral in Rhode Island is $9,208 for a burial and $6,764 for cremation.

These figures include the price of a service. However, it is essential to remember that the exact cost will depend upon your preference for the funeral.

You can estimate the cost of a funeral after using a funeral cost calculator by providing your preferences to the calculator. For example, if you do not want a viewing, the cost of burial will be lower.

Average Funeral Price in Portsmouth, RI
Average Funeral Price Rhode Island

Area Average High Low Rank
Rhode Island (State) $2,613 $5,145 $1,320 10 (of 50 states)
National $2,185 $9,800 $275
Area Average High Low Rank
Rhode Island (State) $5,239 $7,395 $4,090 17 (of 50 states)
National $5,113 $11,800 $2,830
Area Average High Low Rank
Rhode Island (State) $6,764 $8,630 $4,475 10 (of 50 states)
National $6,219 $19,300 $2,555
Area Average High Low Rank
Rhode Island (State) $9,208 $10,975 $6,900 7 (of 50 states)
National $8,554 $21,475 $4,850

What Does Burial Insurance Cost In Rhode Island


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


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

What Is The Advantage Of Burial Insurance In Rhode Island?

Peace of mind:

The most important advantage of burial insurance is that it gives you peace of mind.

You don’t have to worry about paying for burials, and you don’t have to worry about the cost of a grave or the cost of having your loved ones buried by their wishes.


Burial costs can be very high if you don’t have a plan to pay for them.

A burial insurance policy can provide peace of mind and security when it comes time to honor your loved one’s final wishes.

How much is needed:

When planning for funeral costs, it can be challenging to know how much money is needed and how to cover them without having access to cash or credit cards.

With an affordable burial insurance policy in Rhode Island, you’ll know exactly what kind of coverage is available without worrying about paying out-of-pocket expenses after death.

Tax benefits:

Several federal tax benefits are associated with burial costs, including those related to the Affordable Care Act (ACA).

These benefits may help reduce your taxable income by increasing the amount of your Social Security payments.

Pay medical bills and other expenses:

Another advantage of burial insurance is that You can use it to help pay for any final expenses you may have, such as outstanding medical bills or debts.

You can also use burial insurance to help your loved ones with the costs of your funeral and burial.

The cost of transporting your loved one’s body to a cemetery or other location may also be covered by burial insurance.

Burial insurance is an essential type of coverage to have, and it’s something that everyone should consider.

Rhode Island Burial Insurance Underwriting Process

It means there is no medical exam or physical test involved in Rhode Island burial insurance plans, so there will not be a medical exam or physical testing.

You won’t be asked to run laps around your home or supply blood samples.

Your application for a carrier only involves answering a few health questions.

You will be approved over the phone in minutes if all the checks check out, including a Health Information Bureau report and prescription check.

The carrier will also support your coverage within minutes if everything checks out.

MIB Report

A Medical Information Bureau Report is a database that holds all your medical information. Your Social Security Number allows the carrier to look it up.

If there are no alarming findings, you are considered a low-risk applicant.

Prescription Check

The carrier must check your MIB and medications to ensure none of your prescriptions match severe health conditions.

Also, they recognize that some medications serve different purposes as to why they are prescribed. If that is the case, they will ask you about it during the application process.

If you are honest, you should still get approved.

As a rule, accidental death riders do not require underwriting. They are always approved instantly, but they only pay for accidents.

Health Related Question

The following are examples of carriers’ health questions.

  • How long have you been hospitalized?
  • Do you currently live in a nursing home?
  • Is your terminal illness causing you to use a wheelchair?
  • Is cancer currently affecting you?
  • Have you ever been on dialysis?
  • Is HIV or AIDS currently affecting you?
  • Do you have diabetic amputations now?

Guaranteed issue policies are still available for people who answer yes to these questions, but day one coverage is not available.

Over the past two years, have you:

  • Had Angina
  • Stroke
  • TIA (mini-stroke)
  • Had a heart attack.

You will likely receive coverage on day one if you answer no to all these questions. If you have Angina, for instance, but it’s been a few years since you had an incident, you’ll be fine getting approved because these carriers are looking for people who keep their conditions under control.

To help you through the whole process, our agents will walk you through the steps together.

How to Get Burial Insurance in Rhode Island

If you’re interested in getting burial insurance in Rhode Island, shopping around and comparing policies from multiple insurers is the best place to start.

It’s essential to compare the death benefit and the premiums when considering your options. 

You can also work with an insurance agent or broker to help you find the right policy.

Agents and brokers are familiar with the different insurers that offer burial insurance in Rhode Island, and they can help you compare policies to find the one that’s right for you. 

When shopping for burial insurance, it’s essential to consider your health.

Burial insurance policies typically require a medical exam, and your rates will be based on your health status.

If you have a pre-existing health condition, you may still be able to get coverage, but your rates will be higher. 

If you’re healthy and have no pre-existing health conditions, you may qualify for “preferred plus” rates.

These are the lowest rates available, and they can also save you a significant amount of money over the life of your policy. 

No matter what your health status is, there’s a burial insurance policy that’s right for you.

The key is shopping around and comparing your options to find the best coverage.

Choosing the Right Plan

The most common request we get from people seeking burial insurance is:

  • They want the cheapest plan available
  • Ideally, they want coverage to start immediately
  • They need to be insured by an insurance company that is financially stable and reputable

How do you find the best burial insurance? The three bullet points above represent the elements.

To get final expense insurance, you should search for a company specializing in it.

Next, you should ensure that the company represents at least ten different insurance companies.

Finally, it would help if you let them know your goals, budget, and health.

The agency will use all your information to determine which insurance companies will offer you the best deal on your insurance plan.

In essence, the agency will shop the market for the best deal based on the information they know about you.

There are insurance companies that only work with one or two or three of the major insurance companies.

If you deal with any health issues, you will likely overpay because of their limited choice.

With Choice Mutual, you can conveniently shop for the best price. All you have to do is let us do the shopping for you.

What Can Do For You

Finding the best deal requires knowing what kind of agency to seek.

Unfortunately, not many agencies will meet these criteria.

The three most important reasons we should assist you in securing a burial policy are listed below.

  • To ensure that you get the best deal for your insurance policy, we are solely dedicated to locating the best price and coverage for your insurance policy regardless of which insurance provider provides the range.
  • We only offer burial insurance and do not sell any other type of insurance. We believe it is more important to be experts at one thing rather than good at multiple things.
  • Due to our independent status, we can represent as many insurance companies as we want. Additionally, we have access to various insurance companies to offer our clients the best coverage possible.

While most companies have some of these qualities, it’s extremely rare to find them all. 

Burial Insurance In Other States You May Want To know About

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What is burial insurance?

Burial insurance, also known as final expense or funeral insurance, is a type of life insurance designed to cover the costs associated with one’s passing, such as funeral and burial expenses.

Why should I consider burial insurance in Rhode Island?

Rhode Island residents might consider burial insurance to ensure that their loved ones aren’t burdened with the costs of funeral services, which can be significant. With burial insurance, you can have peace of mind knowing these expenses will be taken care of.

How does burial insurance differ from traditional life insurance?

While both burial insurance and traditional life insurance provide death benefits, burial insurance typically offers a smaller benefit amount, meant to cover funeral and burial costs. Traditional life insurance policies often provide larger benefits meant to replace income, pay off debts, or cover other financial needs.

Who can apply for burial insurance in Rhode Island?

Most burial insurance policies in Rhode Island are available to individuals within a certain age range, typically between 50 to 85 years old. However, some providers may have different age restrictions or offer policies to younger individuals.

Do I need a medical exam to qualify?

Most burial insurance policies do not require a medical exam. Instead, they might ask a few health-related questions to determine eligibility. There are even “guaranteed acceptance” policies available that don’t require any health questions.

How much does burial insurance in Rhode Island cost?

The cost of burial insurance in Rhode Island varies depending on factors like age, coverage amount, health status, and the provider. It’s best to get quotes from multiple insurance providers to find a policy that fits your budget.

How do I choose the right burial insurance provider in Rhode Island?

Look for providers with good customer service ratings, strong financial stability, and policies that fit your needs and budget. It’s also beneficial to consult with an insurance broker or agent familiar with Rhode Island’s regulations and providers.

What happens if I miss a premium payment?

If you miss a premium payment, insurance providers typically offer a grace period for you to make the payment and keep the policy active. If you don’t make the payment within this grace period, the policy may lapse, and you might lose coverage.

Can I get a policy for my family members?

Yes, many people purchase burial insurance for their parents or other family members to ensure funeral and burial costs are covered.

Are the benefits of burial insurance taxable in Rhode Island?

In most cases, life insurance death benefits, including burial insurance, are not considered taxable income. However, there can be exceptions, so it’s wise to consult with a tax professional or financial advisor regarding your specific situation.

Remember, it’s essential to do thorough research and consultation with professionals when considering burial insurance in Rhode Island or any other financial product. This FAQ provides a basic understanding, but individual needs and circumstances can vary.


When it comes to burial insurance, Rhode Island residents have a lot of options. Several affordable burial insurance policies are available, and each has its own set of benefits.

Comparing quotes from multiple insurers to get the best possible rate is essential. Use our burial insurance calculator to get a quote today.

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