Which Companies Offer Final Expense Insurance In Hawaii?
Life insurance is governed by the state of Hawaii, not the federal government. For this reason, burial insurance plans in the nation vary from state to state.
Below is a table that outlines the top burial insurance companies available in Hawaii.
Y2 50% payout,
Y3+ full benefits
How Much Does Funeral Insurance Cost In Hawaii?
How Does Burial Life Insurance Work?
Burial insurance, also known as final expense insurance or funeral insurance, is a small whole life policy primarily designed to cover your end-of-life expenses. When you die, the policy pays out a tax-free cash benefit to your loved ones so they can carry out your funeral.
The payout money can be used for any purpose, and any remaining funds (if applicable) are theirs to keep and use as they see fit.
Since these are whole life policies, they accumulate cash value, last a lifetime, and have a fixed premium. There are two main types of burial insurance you can buy. First, there are simplified issue plans that don’t require a medical exam, but require you to answer health questions.
If approved, there is no waiting period, which means you’re fully insured for natural or accidental death when the policy starts. On the other hand, there are guaranteed acceptance policies that have no health questions. Since the insurer is unaware of your health history, a two-year waiting period applies.
If you die during the first two years, the insurance company will only refund your premiums plus roughly 10%. The only exception to the waiting period is accidental death.
How Much Does A Funeral Cost In Hawaii?
| Service Type | Average Cost |
|---|---|
| Burial Service | $7,835 |
| Direct Burial (No Service) | $4,723 |
| Cremation Service | $5,812 |
| Direct Cremation (No Service) | $1,688 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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Keep in mind that burial costs and cremation costs vary greatly depending on the specifics of your desired funeral.
The Free Look Period In Hawaii And The FTC Funeral Rule
Life insurance policies in Hawaii must include a free look period that lasts 15 days or more. During this time, every policyholder has the right to refuse a policy for any reason and receive a refund (if any premiums have been paid).
On the national level, the FTC Funeral Rule empowers consumers when dealing with funeral homes. It gives consumers the right to buy products from third parties such as caskets or urns.
Furthermore, funeral homes must provide written and verbal prices when requested, and consumers are allowed to choose à la carte which products and services they want from a funeral home. They do not have to wholesale accept pre-packed 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.
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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15 days. https://law.justia.com/codes/hawaii/title-24/chapter-431/section-431-10d-603/
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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.
