California burial insurance plans allow you to secure immediate peace of mind knowing that when you die, your family will not have to come out of their pocket for your funeral expenses.
Learn how these plans work, the best companies in California, see sample rates, and how much a funeral costs in CA.
Topics Covered in this article
How Does Final Expense Life Insurance Work?
A final expense insurance policy is a type of permanent life insurance with small face value options and lax underwriting.
They were built so seniors with previous health issues could still qualify.
Usually, people buy these plans to cover just their burial expenses. However, it’s essential to understand that the end result will be a tax-free cash payout to your beneficiaries.
Your loved ones can spend the money on non-funeral costs such as medical bills or credit card debts.
Also, if they don’t use all the proceeds on your final expenses, they keep what’s left over.
Since funeral insurance for seniors is a form of whole life insurance, the coverage lasts forever.
Additionally, the premiums stay the same with age, and they build cash value.
Some policies have no waiting period where you’re fully covered the day you make your first payment.
To qualify for immediate coverage, you must apply with a company that asks you health questions.
In contrast, there are plans without health questions (guaranteed acceptance). With those, you cannot be denied, and there is a two-year waiting period.
If you die from anything other than an accident in the first 24 months, the insurer will only refund your premiums plus interest.
How Much Does Burial Insurance In California Cost?
The average cost of a burial insurance policy is about $50-$100 per month for $10,000 in coverage.
However, you need to remember that your age, gender, state, health, tobacco habits, and the amount of coverage determine the exact cost.
Below are some sample California final expense quotes. All rates shown are monthly premiums.
| Age | Female $10,000 Simplified Issue (Monthly Rates) | Female $10,000 Guaranteed Acceptance (Monthly Rates) | Male $10,000 Simplified Issue (Monthly Rates) | Male $10,000 Guaranteed Acceptance (Monthly Rates) |
|---|---|---|---|---|
| 45 | $22 | $28 | $27 | $33 |
| 50 | $24 | $30 | $30 | $36 |
| 55 | $27 | $38 | $35 | $45 |
| 60 | $32 | $42 | $43 | $55 |
| 65 | $41 | $51 | $54 | $66 |
| 70 | $51 | $69 | $70 | $89 |
| 75 | $71 | $98 | $99 | $121 |
| 80 | $98 | $140 | $139 | $166 |
| 85 | $135 | $170 | $192 | $230 |
Best Funeral Insurance Companies In California
Each state governs all types of insurance, not the federal government.
For that reason, final expense insurance in the USA varies from state to state.
Below is an outline of the best funeral insurance companies in California.
| Insurance Company | Coverage & New Applicant Age Limits | Policy Type, Length & Product name |
|---|---|---|
 | Coverage: $2,000-$40,000 Age Range: 45-85 | Whole Life Insurance Lasts forever once issued "Living Promise"- Level (no waiting period) |
 | Coverage: $2,000-$50,000 Age Range: 40-89 | Whole Life Insurance Lasts forever once issued "Accendo"- Preferred (no waiting period) |
 | Coverage: $5,000-$35,000 Age Range: 50-85 | Whole Life Insurance Lasts forever once issued "PlanRight"- Preferred (no waiting period) |
 | Coverage: $1,000-$50,000 Age Range: 45-85 | Whole Life Insurance Lasts forever once issued "Immediate Solution"- Preferred (no waiting period) |
 | Coverage: $1,500-$35,000 Age Range: 50-80 | Whole Life Insurance Lasts forever once issued "New Vista"- Level (no waiting period) |
 | Coverage: $5,000-$25,000 Age Range: 50-80 | Whole Life Insurance Lasts forever once issued "Guaranteed Acceptance" (2 Yr waiting period) |
 | Coverage: $5,000-$40,000 Age Range: 50-85 | Whole Life Insurance Lasts forever once issued "Eagle Premier"- Level (no waiting period) |
 | Coverage: $3,000-$40,000 Age Range: 50-80 | Whole Life Insurance Lasts forever once issued "SIMPL"- Preferred (no waiting period) |
 | Coverage: $5,000-$25,000 Age Range: 50-80 | Whole Life Insurance Lasts forever once issued "Guaranteed Acceptance" (2 Yr waiting period) |
 | Coverage: $2,500-$50,000 Age Range: 50-85 | Whole Life Insurance Lasts forever once issued "Senior Choice"- Immediate (no waiting period) |
 | Coverage: $2,500-$25,000 Age Range: 50-80 | Whole Life Insurance Lasts forever once issued "Silver Guard I" (no waiting period) |
How Much Does A Funeral Cost In California?
The NFDA says the average cost of a funeral with a burial, viewing, and vault is $10,000.
Cremation is a little less expensive, coming in at close to $7,000.
You can save quite a bit of money if you opt for direct burial or cremation.
Those have no memorial services.
Below is a breakdown of how much a funeral costs in California:
- Traditional burial service with a viewing: $7,225
- Direct burial: $3,441
- Cremation service with a viewing: $6,028
- Direct cremation: $1,582
Know Your Rights
There is a law in California that forces insurance companies to include a 30-day free look provision.
This clause entitles all policyholders the right to cancel any policy for any reason.
Furthermore, they are entitled to a full refund of any premiums that may have been paid.
So you can rest easy knowing that if you buy from the wrong company or have a change of heart, you can cancel the policy and get your money back.
How Choice Mutual Can Help
Choice Mutual is an independent final expense insurance agency that represents nearly 20 different insurance companies.
We advocate for you, the customer, rather than the insurance companies.
We compare plans from each provider in your state to find you the best deal possible.
Our services are always free, and you don’t pay a higher price for your insurance because you bought it through an agency.
Call us at 1-800-644-2926 and see why thousands of other happy customers trusted us for their burial insurance needs.