Which Companies Offer Burial Insurance Plans In New Jersey?
Below is a comprehensive list of life insurance companies that offer final expense insurance in New Jersey. Please note that states, not the federal government, control insurance, which is why policies in the USA sometimes vary from state to state.
Y2 50% payout,
Y3+ full benefits
How Much Does Funeral Insurance Cost In New Jersey?
How Do Funeral Insurance Plans Work?
Funeral insurance, also known as burial or final expense insurance, is a specific type of whole life insurance designed to cover your end-of-life expenses.
The coverage amounts are typically small (less than $50,000 with most companies), no medical exam is required to qualify, and the payout of the death benefit is extremely fast (usually less than 48 hours upon claim approval).
Upon death, the insurance provider will pay your beneficiaries cash (tax-free), which they can spend on funeral costs or anything else.
Being a type of whole life insurance, the premiums cannot increase, the death benefit cannot decrease, and the coverage lasts indefinitely.
How Much Does A Funeral Cost In New Jersey?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,573 |
| Direct Burial (No Service) | $5,403 |
| Cremation Service | $6,498 |
| Direct Cremation (No Service) | $2,511 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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Cremation costs and burial costs vary greatly based on which products and services you choose. While the averages above are correct, remember that your desired funeral might be more or less depending on your preferences.
The Free Look Period In New Jersey And The FTC Funeral Rule
The state of New Jersey requires all life insurance policies to include a ten-day free look period that gives consumers the guaranteed right to cancel and obtain a refund.
Nationally, the FTC Funeral Rule requires funeral homes to adhere to specific principles to prevent taking advantage of those planning a funeral. For example, funeral homes must accept urns, flowers, or caskets (or any other product) from outside sources.
Additionally, they must provide written, transparent prices upon request. Lastly, they cannot force consumers to choose only from pre-planned funerals. Consumers can pick and choose whatever they want.
How To Get Burial Insurance In New Jersey
When buying burial insurance, it’s essential to compare multiple companies side by side. That’s because every insurer has different prices, policy conditions, and limits. For example, some companies may gladly accept applicants with diabetes, whereas some don’t.
The surest way to find the best policy is to work with an independent insurance agent who represents ten or more insurance companies. Independent agents partner with various companies, allowing them to compare each one and identify the best option for each client.
Alternatively, you can buy directly from an insurance company without talking with an agent. Companies like Colonial Penn and Globe Life are common examples of insurers that offer this option. However, most of the time, policies sold directly by insurers (without an agent) have a two-year waiting period before you’re covered for natural causes of death.
- Nationally licensed life insurance agent with over 16 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 16 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 20 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 20 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 15 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 15 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 20 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 20 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 15 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 15 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://law.justia.com/codes/new-jersey/title-17b/section-17b-25-2-1/
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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 01/10/2026.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (01/11/2025-01/11/2026).
- Data sourced from 2023 NFDA General Price List Study.
