Which Companies Offer Burial Insurance In Idaho?
Burial insurance policies in the United States vary by state because insurance is regulated at the state level rather than by the federal government.
The table below has a full outline of which companies offer plans in Idaho.
Y2 50% payout,
Y3+ full benefits
How Much Does Final Expense Life Insurance Cost In Idaho?
$50-$100 is the average cost of a funeral insurance policy. Below are some sample rates, but remember that your price will be based on your exact age, gender, health, and the coverage amount.
How Do Burial Insurance Policies Work?
A burial policy is a type of whole life insurance that offers small coverage amounts, lenient underwriting, and fast payouts. While these plans are generally meant to pay for end-of-life costs, the payout money can be used for any purpose whatsoever.
When you die, the insurer will pay cash, typically within 24-48 hours, directly to the beneficiaries of your choice.
$50,000 is generally the most coverage you can buy from most providers, but some offer less. A medical exam is never required, but some policies may have a health questionnaire that you must complete. Plans that include health questions will provide full coverage immediately (with no waiting period) once the policy begins.
On the other hand, some plans do not require a health questionnaire, often referred to as “guaranteed acceptance plans.” These guaranteed your approval, but the tradeoff is a two-year waiting period. Any non-accidental death during the waiting period will only result in a refund of your premiums.
Since these are whole life policies, the premiums will never change, the death benefit will not decrease, and the coverage lasts forever.
How Much Does A Funeral Cost In Idaho?
Service Type | Average Cost |
---|---|
Burial Service | $7,390 |
Direct Burial (No Service) | $4,625 |
Cremation Service | $5,505 |
Direct Cremation (No Service) | $1,706 |
Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
The Free Look Period In Idaho And The FTC Funeral Rule
Idaho statutes require all life insurance policies to have a free look period that lasts 20 days or more. A policyholder can refuse the policy during this time (for any reason) and receive a refund of any paid premiums.
At the same time, there is a national law known as the FTC Funeral Rule that imposes regulations on funeral homes. In short, it requires the following of funeral homes:
- Accept third-party products such as urns or caskets.
- Allow consumers to choose only the products or services they want.
- Provide written prices upon request
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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NFDA General Price List Study. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
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Funeralocity. https://www.funeralocity.com/average-funeral-price
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Idaho statutes. https://legislature.idaho.gov/statutesrules/idstat/title41/t41ch19/sect41-1935/
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FTC Funeral Rule. https://www.ftc.gov/news-events/topics/truth-advertising/funeral-rule
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 07/31/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (08/01/2024-08/01/2025).
- Data sourced from 2023 NFDA General Price List Study.