Which Companies Offer Burial Insurance In Delaware?
Final expense insurance policies in the USA vary by state. Below is a table outlining which insurance companies offer these plans in the state of Delaware.
Y2 50% payout,
Y3+ full benefits
How Much Does Final Expense Insurance Cost In Delaware?
The cost of final expense insurance is dependent upon your gender, date of birth, tobacco usage (if any), health history, and the size of the death benefit.
How Do Burial Insurance Plans Work?
Burial insurance plans are a type of no medical exam whole life insurance that’s typically meant to pay for end-of-life expenses (funeral costs, bills, or anything else).
When you pass away, the insurer will pay cash to your beneficiaries. They can use the money for any purpose and keep any leftover funds.
Most insurers offer these policies with coverage ranging from $2,000 to $50,000. There is never a medical exam, but some plans do have health questions. Plans with health questions (if approved) have no waiting period. On the other hand, there are guaranteed acceptance plans which have no health questions.
For those, there is always a 24-month waiting period. Death during the first 24 months will result in a refund of your premiums.
How Much Does A Funeral Cost In Delaware?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,023 |
| Direct Burial (No Service) | $5,657 |
| Cremation Service | $6,103 |
| Direct Cremation (No Service) | $2,603 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
|
The Free Look Period In Delaware And The FTC Funeral Rule
In Delaware, the Department of Insurance requires that all life insurance contracts include a free look period that lasts at least ten days. Every policyholder has the right under this law to cancel their policy and receive a refund of any premiums paid.
In essence, this state law protects consumers in case they were scammed, misled, or simply change their mind.
On a national level, the FTC Funeral Rule is beneficial when planning a funeral. It requires funeral homes to provide prices in verbal or written format.
Additionally, they must accept third-party products and provide consumers with the right to select and choose which products and services they want. Consumers do not have to accept preformatted funeral plans.
- 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.
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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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Department of Insurance. https://insurance.delaware.gov/wp-content/uploads/sites/15/2022/09/Life-Guide.pdf
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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 11/18/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (11/18/2024-11/18/2025).
- Data sourced from 2023 NFDA General Price List Study.
