Which Companies Offer Burial Insurance In Oregon?
The federal government does not regulate any form of insurance. Rather, states handle this burden. This is why burial policies in the nation can vary by state. Below is a breakdown of which companies offer policies in Oregon.
Y2 50% payout,
Y3+ full benefits
How Much Does Final Expense Insurance Cost In Oregon?
How Do Burial Insurance Plans Work?
Burial insurance (aka final expense or funeral insurance) is a form of whole life insurance generally meant to pay for your funeral costs. However, the money paid out upon your death can technically be used for any purpose- not just funeral expenses.
Whole life prices never increase, and the coverage is guaranteed to last your entire life.
Qualification is straightforward because these plans were designed to accommodate seniors with a variety of pre-existing health conditions. First, a medical exam is never required. Beyond that, there are two basic options to choose from:
- Simplified issue: You answer some basic health questions, which determine if you’re approved or declined. These policies (if approved) can have no waiting period, which means you’re fully protected for natural or accidental death once the policy starts.
- Guaranteed issue: No health questions are asked. You simply cannot be denied based on your lifestyle or health records. There is always a 24-month waiting period during which time death will only result in the insurer refunding your premiums.
How Much Does A Funeral Cost In Oregon?
| Service Type | Average Cost |
|---|---|
| Burial Service | $7,835 |
| Direct Burial (No Service) | $4,469 |
| Cremation Service | $5,812 |
| Direct Cremation (No Service) | $1,319 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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Keep in mind that your particular preferences will greatly affect the final cost of your preferred funeral.
The Free Look Period In Oregon And The FTC Funeral Rule
Oregon law mandates that all life insurance policies allow for a 10-day period (known as the free-look period) where the policyholder can review and cancel if they so desire. Furthermore, they are entitled to a refund if any money was paid.
Nationally speaking, the Funeral Rule from the FTC is helpful when planning a funeral in Oregon. It requires funeral homes to:
- Accept products such as urns or caskets from third-party providers.
- Provide detailed, transparent prices in writing before accepting any money. Furthermore, clients who call requesting quotes must be given prices over the phone.
- Allow customers to choose a la carte which products and services they want.
- 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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Oregon law. https://dfr.oregon.gov/insure/life/Documents/4106.pdf
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 12/04/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (12/05/2024-12/05/2025).
- Data sourced from 2023 NFDA General Price List Study.
