Which Companies Offer Burial Insurance In Missouri?
Because life insurance is regulated by each state (not the federal government), policies in the USA vary from state to state. Below is a table outlining which final expense companies offer plans in the state of Missouri.
How Much Does Final Expense Insurance Cost In Missouri?
How Do Burial Insurance Plans Work?
Burial insurance is a type of life insurance specifically meant to cover your final expenses. It’s a whole life policy with small coverage options, allowing seniors with health issues to still qualify for a policy, and the payout is very fast.
Most companies offer plans in the $2,000-$50,000 range, and a medical exam is never required to qualify.
When you die, the insurer will pay your beneficiary a cash amount, which they can use to cover funeral costs, medical bills, debts, or any other expenses. Furthermore, any money left over is theirs to keep and use as they see fit.
Being a type of whole life insurance, the premiums remain fixed, and the insurance will never expire.
It’s common to see burial insurance, also referred to as cremation insurance, final expense insurance, or funeral insurance.
How Much Does A Funeral Cost In Missouri?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,755 |
| Direct Burial (No Service) | $4,995 |
| Cremation Service | $6,713 |
| Direct Cremation (No Service) | $1,852 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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The cost of a funeral will vary significantly based on which products you choose, location, and desired services. The averages above provide a good estimate of the relative cost, but be sure to use a funeral cost calculator to accurately assess the cost of your desired funeral.
The Free Look Period In Missouri And The FTC Funeral Rule
In Missouri, life insurance policies include a ten-day free-look period. During this time, you have the right to cancel the contract and receive a refund of any premiums.
On a national level, the Federal Trade Commission governs funeral homes via The Funeral Rule. In short, it requires funeral homes to do the following:
- Provide transparent prices in writing or verbally when requested.
- Allow consumers to buy products such as urns, flowers, or caskets from third-party vendors.
- Allow for à la carte selection of products and services that a consumer may want, rather than forcing them to choose from pre-packaged funeral bundles.
How To Get Final Expense Insurance In Missouri
Final expense policies vary greatly by company, so it’s essential to compare many plans side by side to find the best one for your needs. Ideally, working with a licensed insurance agent who has access to multiple companies will give you the best chance at finding the right policy.
On the other hand, you can purchase directly from an insurer through the mail or online. However, that comes with significant drawbacks. Policies you can buy directly from the insurance provider (such as the $9.95 plan from Colonial Penn) are often much more expensive and usually have a waiting period.
To ensure you’re making the best choice, investigate options that you can buy directly from an insurer and consult with an agent. Doing both will give you peace of mind knowing you’re making the right choice.
- 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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ten-day free-look period. https://revisor.mo.gov/main/OneSection.aspx?section=376.706&bid=20759
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The 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 08/29/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (08/30/2024-08/30/2025).
- Data sourced from 2023 NFDA General Price List Study.
