Which Companies Offer Burial Expense Insurance In North Dakota?
The federal government doesn’t regulate insurance. Instead, each state absorbs the burden of governing insurance products. Therefore, burial insurance plans in the United States do vary by state. Below is a table that outlines which insurers offer plans in North Dakota.
How Much Does Final Expense Life Insurance Cost In North Dakota?
Expect to pay about $50-$100 per month for a $10,000 whole life final expense policy. However, the exact price depends on factors such as your age, gender, health, the amount of coverage, and your state of residence.
How Do Burial Insurance Plans Work?
Final expense insurance is a type of whole life insurance that is primarily meant to cover your funeral costs. However, the money can technically be used for anything.
When you die, the insurance company will pay out the death benefit in the form of a cash payment to your beneficiaries, which they can use for any expense (not just funeral costs). Additionally, they are entitled to keep any money not used on your final expenses.
There are two types of funeral insurance that companies may offer:
- Guaranteed acceptance: There is no medical exam and no health questions that you must answer. Since the insurer is unaware of your health history, a two-year waiting period will always be in effect. Any non-accidental death during the waiting period will cause the insurer to only refund your premiums. They will not pay out the death benefit until you’ve been alive for more than two years.
- Simplified issue: There is no medical exam, but you must answer health questions which determine if you’re approved or declined. These plans, if approved, have no waiting period, which means the insurer will immediately pay out the full death benefit for any cause of death except suicide.
Since these policies are a type of whole life insurance, there is a guarantee that the premium and death benefit will not change, and the coverage never expires.
How Much Does A Funeral Cost In North Dakota?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,755 |
| Direct Burial (No Service) | $5,458 |
| Cremation Service | $6,713 |
| Direct Cremation (No Service) | $3,183 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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Funeral cost estimating tools can give you a better sense of what your funeral may cost based on your desired services.
The Free Look Period In North Dakota And The FTC Funeral Rule
In North Dakota, life insurance policies have a 20-day free look period. After receiving the policy, you have 20 days to review and cancel the policy if you so desire. Additionally, if you do cancel, you’re entitled to a full refund of any premiums.
On another note, the Funeral Rule, administered by the Federal Trade Commission, governs funeral homes. It requires them to provide consumers with transparent pricing information when requested. Additionally, consumers have the right to choose only the products and services they want, and they can purchase products such as urns or caskets from third-party providers.
- 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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North Dakota. https://ndlegis.gov/cencode/t26-1c33.pdf#nameddest=26p1-33-02p1
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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 (08/29/2024-08/29/2025).
- Data sourced from 2023 NFDA General Price List Study.
