Which Companies Offer Final Expense Life Insurance In Maine?
States regulate all forms of life insurance (not the federal government). Because of that, burial insurance policies in the United States vary from state to state.
Below is a breakdown of which final expense insurance companies offer plans in Maine.
How Much Does Burial Expense Insurance Cost In Maine?
Life insurance rates are based on gender, health, age, and how much coverage you select. That said, below is a final expense whole life insurance rate chart with some sample prices.
How Do Burial Insurance Plans Work?
Final expense insurance is a small life insurance policy designed to cover all your end-of-life costs. More specifically, it’s a type of whole life insurance, which means the premiums never increase and the coverage lasts indefinitely.
When you die, the insurance provider will quickly pay out the death benefit (tax-free) to the beneficiaries of your choice. If your beneficiaries don’t use all the money for funeral costs, they get to keep whatever is left over.
To qualify, you typically only need to answer some basic health questions. A medical exam is never required. Furthermore, some plans offer guaranteed approval, which means you don’t have to answer any health questions. However, plans with guaranteed approval always have a waiting period that lasts 24 months. Death during the waiting period will result in a refund of the payments you’ve made.
How Much Does A Funeral Cost In Maine?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,985 |
| Direct Burial (No Service) | $5,452 |
| Cremation Service | $7,023 |
| Direct Cremation (No Service) | $2,372 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
|
The Free Look Period In Maine And The FTC Funeral Rule
The Maine Legislature requires all life insurance policies sold in the state to include a free look provision that lasts no less than ten days. During these ten days, a policyholder may return the policy for any reason. Furthermore, if they paid any premiums, they are entitled to a full refund.
Regarding funeral planning, the Funeral Rule from the FTC is particularly helpful. First, it requires funeral homes to accept products that you may buy from a third party. For example, if you buy a casket from Costco, the funeral home must accept it. Secondly, funeral homes must provide written and verbal prices upon request.
Last but not least, funeral homes cannot require you to buy entire funeral packages. You have the right to choose only which products and services you want.
- 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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Maine Legislature. https://legislature.maine.gov/statutes/24-A/title24-Asec2515-A.html
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Funeral Rule. https://www.ftc.gov/news-events/topics/truth-advertising/funeral-rule
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from Costco. https://www.costco.com/funeral-caskets.html
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 08/30/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (08/31/2024-08/31/2025).
- Data sourced from 2023 NFDA General Price List Study.
