Which Companies Offer Final Expense Insurance In Georgia?
Georgia’s state insurance department governs all forms of insurance, not the federal government.
Because of that, final expense insurance in the USA varies by state.
Below is a table highlighting the best funeral insurance companies in Georgia.
Y2 50% payout,
Y3+ full benefits
How Much Does Burial Insurance In Georgia Cost?
A final expense policy can cost as little as $12 monthly or as much as $500. It all depends on your age, gender, state of residence, health, tobacco habits, and how much coverage you want. Below is a table with some sample monthly burial insurance prices.
How Does Funeral Life Insurance Work?
Burial insurance is permanent life insurance, usually meant to pay for end-of-life expenses. However, the death benefit payout funds can technically be spent on anything.
Keep in mind that burial insurance is also commonly referred to as funeral or final expense insurance.
The result upon your death is a tax-free cash payout to your beneficiaries. Your loved ones can use the money to pay for your funeral costs, medical bills, credit card debts, or anything else. Additionally, they retain any leftover funds.
The coverage options on these plans are significantly smaller than those of traditional forms of life insurance. They are generally $50,000 or less with most companies.
Since final expense plans are a type of whole life insurance, the way they work is very straightforward. The price and coverage will never change; the coverage won’t terminate at any age, and it builds cash value.
With some plans, there are health questions you must answer. If approved, those cover you immediately because they have no waiting period. However, if you opt for a plan with no health questions (guaranteed issue), there will be a two-year waiting period.
That means if you die during the first two years, the insurance company will only refund your premiums plus interest (typically 10%).
How Much Does A Funeral Cost In Georgia?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,023 |
| Direct Burial (No Service) | $5,137 |
| Cremation Service | $6,103 |
| Direct Cremation (No Service) | $1,936 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
|
The Free Look Period In Georgia & The FTC Funeral Rule
The free look period in Georgia must be a minimum of 10 days (some insurers go beyond 10 days). During this time, you can refuse an insurance policy (for any reason) and receive a refund if you’ve made a payment. This law exists in all states. It’s designed to provide you with the opportunity to cancel a policy should you change your mind or discover that you’ve been misled in some way.
For funeral planning, also be aware of the FTC’s Funeral Rule. This law requires funeral homes to provide you with written prices for their products and services upfront. Furthermore, you’re entitled to select only which services you want from them. You don’t have to accept whichever prepackaged options they present to you.
- 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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10 days. https://law.justia.com/codes/georgia/2006/33/33-25-8.html
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FTC’s 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 08/10/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (08/11/2024-08/11/2025).
- Data sourced from 2023 NFDA General Price List Study.
