Which Companies Offer Burial Life Insurance In Massachusetts?
Insurance products are controlled and regulated by each state rather than the federal government. For this reason, burial insurance policies in the USA vary slightly from state to state.
Below is a breakdown of which final expense insurance companies offer plans in Massachusetts.
How Much Does Final Life Insurance Cost In Massachusetts?
The cost of a burial life insurance policy will be based on your precise age, health, state of residence, and gender. Below are some sample prices, but keep in mind that your rate may be more or less depending on the aforementioned factors.
How Does Final Expense Life Insurance Work?
Final expense policies are whole life insurance plans usually meant to pay for funeral and burial expenses. However, it’s life insurance, so it will simply pay out cash (tax-free) to your loved ones, which they can spend on anything (not just funeral costs). Additionally, if they don’t use all the money for funeral expenses, they can keep the remaining funds for themselves.
Most companies offer plans starting at $2,000-$5,000 on the low end and roughly $25,000-$50,000 on the high end.
Qualification is very simple because no medical exam is required. Policies are either approved on the spot or within a few days.
Keep in mind that some plans have a two-year waiting period. If you have a plan with a waiting period and die during that time, the insurer will only refund your premiums. Plenty of companies offer policies with no waiting period.
To qualify for an immediate policy, you must apply with a company that asks questions about your health history. Please note that any policy that guarantees your acceptance by not asking health questions will always have a two-year waiting period.
Since burial policies are a type of whole life insurance, the premium will never increase, and the coverage has no expiration date.
How Much Does A Funeral Cost In Massachusetts?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,985 |
| Direct Burial (No Service) | $5,535 |
| Cremation Service | $7,023 |
| Direct Cremation (No Service) | $2,720 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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It’s also helpful to remember that your preferences may yield a higher or lower funeral bill.
The Free Look Period In Massachusetts And The FTC Funeral Rule
The Massachusetts government requires all life insurance policies sold in the state to allow policyholders no less than ten days to review their policy. This “free look provision” gives consumers the right to cancel a policy and receive a return of any premiums paid.
On a national level, the FTC has a rule governing funeral homes. It’s called The Funeral Rule, and it grants consumers the following rights:
- Freedom to purchase products from third-party vendors, such as flowers, urns, or caskets.
- Able to select à la carte, which products and services they want.
- Receive prices either verbally or in writing prior to signing any contracts.
- 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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by each state. https://www.congress.gov/crs-product/IF10043
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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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Massachusetts government. https://www.mass.gov/info-details/life-insurance-basics
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The Funeral Rule. https://consumer.ftc.gov/articles/ftc-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 09/16/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (09/16/2024-09/16/2025).
- Data sourced from 2023 NFDA General Price List Study.
