Which Companies Offer Burial Insurance In Michigan?
The table below has a full list of which burial expense companies offer plans in Michigan.
How Much Does Final Expense Insurance Cost In Michigan?
Final expense policies generally cost $50-$100 per month, but prices vary based on multiple variables such as your gender and age.
How Do Burial Insurance Plans Work?
Burial expense insurance (also often called final expense or funeral insurance) is a type of small whole life insurance policy typically designed to cover end-of-life expenses.
Whole life policies are ideal for seniors on a fixed income because the premium will never change and the coverage will never end.
When you die, the insurance company will pay a cash benefit directly to the funeral home or beneficiaries of your choice. Furthermore, if there is more money than necessary to cover the funeral costs, your beneficiary gets to keep the remaining amount.
There are two types of policies you can choose from:
- Simplified issue: No medical exam is required, but you do have to answer health questions. If approved, you’re fully covered day one for natural or accidental death.
- Guaranteed issue: There are no health questions to answer, and no medical exam is required. There will be a two-year waiting period, during which non-accidental death will only result in a refund of premiums.
$50,000 is often the most coverage you can buy with any one company. However, the amount may be higher or lower, depending on the insurer.
How Much Does A Funeral Cost In Michigan?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,280 |
| Direct Burial (No Service) | $5,005 |
| Cremation Service | $6,120 |
| Direct Cremation (No Service) | $2,268 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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Funeral costs are heavily determined by the type of service you want and how you want the funeral carried out. With that in mind, it’s best to consult a funeral expenses estimator to gauge how much your desired funeral may cost.
The Free Look Period In Michigan And The FTC Funeral Rule
Life insurance policies in Michigan all contain a free look provision (which lasts 10 days) that grants the policyholder the ability to review and cancel the policy for any reason.
Another law to be mindful of is the FTC Funeral Rule. This national law requires funeral homes to provide you with prices upon request, and allow you to choose the products and services you desire (you don’t have to accept pre-packed funeral plans).
Additionally, it requires funeral homes to accept caskets, urns, flowers, printed materials, or any other items from a third party.
How To Get Final Expense Insurance In Michigan
Buying burial insurance in the USA is essentially the same in Michigan as it is in any other state. You must compare plans from a variety of companies to ensure you obtain the most suitable policy for your needs.
Remember that all companies charge different rates and have varying policy terms and conditions.
Most companies require you to buy their policies through licensed agents. However, some providers sell policies directly to consumers without requiring them to speak with a licensed agent.
Overall, it’s best to consult with an independent agent who represents multiple companies, as they can help identify which one is best and most affordable.
- 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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free look provision. https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-4038
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 09/18/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (09/18/2024-09/18/2025).
- Data sourced from 2023 NFDA General Price List Study.
