The states, not the federal government, create the rules and regulations governing all insurance forms. 

For that reason, burial insurance programs available in one state may not be in another.

Similarly, specific policy features, riders, and the cost will also vary according to each state.

For example, in Montana, a law mandates insurers charge the same price regardless of gender.

All other states have different prices for males and females.

These are just some of the reasons why it’s critical that you ensure that you take your state of residence into account when shopping for final expense insurance.

That way, you know you’re investigating the correct plans.

How Does Final Expense Insurance Work?

A final expense insurance policy is a type of life insurance where the proceeds are usually earmarked to cover burial costs.

More specifically, insurance to cover burial is whole life insurance.

Tip:
Final expense insurance is also frequently referred to as “burial insurance,” “funeral insurance,” “cremation insurance,” and “end-of-life insurance.” It does not matter which label is used because they all have the same meaning.

Senior final expense life insurance plans offer minimal amounts of coverage.

For example, some companies will allow you to purchase as little as $2,000 in insurance.

You do not have to take a medical exam to qualify. Seniors who deal with health conditions are still eligible.

Because the policy is whole life insurance, the coverage will never decrease in value or expire at any age.

The monthly premium is fixed for life, and the policy will build cash value.

Upon your demise, the insurance provider will give your beneficiaries (or funeral home, if you prefer) a tax-free check equal to how much coverage you purchased.

As is the case with all forms of life insurance, there are no restrictions on how your loved ones spend the money.

If your family does not spend all the money on your funeral, they keep the rest.

 

Two basic options

When you go to buy final expense life insurance, there are essentially two options with various providers:

  • No health questions: Your acceptance is guaranteed regardless of your pre-existing conditions. However, these plans will always have a two-year waiting period. If you die during the waiting period, the insurer will only refund your premiums plus a small amount of interest. Additionally, these are the most expensive life insurance plans you can buy. Life insurance providers take grave risks when they know nothing about your health. For all forms of insurance, high risk always translates to more expensive premiums. Be aware that most TV burial insurance ads offer guaranteed issue coverage. For example, Colonial Penn life insurance is one prominent instance.
  • Has health questions: These plans require you to complete a health questionnaire as part of the application. If you’re approved, the coverage has no waiting period. Also, the cost of these plans is generally the lowest since the insurer knows that it’s unlikely you’ll pass away soon.

Ultimately, opting for a guaranteed issue life policy is best when you have “uninsurable conditions.”

Uninsurable conditions are such a high risk that you could not qualify for a plan (with any insurance company) with no waiting period.

The goal of burial insurance is peace of mind. The policy ensures you don’t leave behind a financial burden on your loved ones.

With that in mind, that’s the primary reason it’s best to qualify for a plan with health questions. If approved, you will have immediate peace of mind knowing you’re protected the day you make your first payment.

Plus, your final expense premium will probably be lower (compared to a no-health question plan).

 

Burial Insurance Plans In Each State

Below you will see a summary of final expense insurance programs in all 50 states, including D.C.

It will show you how many different burial insurance companies are available.

In addition, it will show you the average cost of a funeral for your state and the cost of cremation.

That way, you know how much coverage to buy.

a

Alabama
Final Expense Insurers: 19
Free Look Period: 15 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,615
Direct
$5,038
Cremation
Funeral Service
$5,858
Direct
$2,016
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,376 (U.S. Average: $13,843)
Read more about burial insurance in Alabama Burial insurance in Alabama
Alaska
Final Expense Insurers: 18
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,835
Direct
$4,327
Cremation
Funeral Service
$5,812
Direct
$1,972
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $17,720 (U.S. Average: $13,843)
Arizona
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,390
Direct
$4,398
Cremation
Funeral Service
$5,505
Direct
$1,433
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $14,023 (U.S. Average: $13,843)
Arkansas
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,912
Direct
$4,464
Cremation
Funeral Service
$5,890
Direct
$1,676
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,154 (U.S. Average: $13,843)
Read more about burial insurance in Arkansas Burial insurance in Arkansas

c

California
Final Expense Insurers: 20
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,835
Direct
$4,645
Cremation
Funeral Service
$5,812
Direct
$1,581
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $19,173 (U.S. Average: $13,843)
Read more about burial insurance in California Burial insurance in California
Colorado
Final Expense Insurers: 21
Free Look Period: 15 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,390
Direct
$4,820
Cremation
Funeral Service
$5,505
Direct
$1,678
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $14,536 (U.S. Average: $13,843)
Connecticut
Final Expense Insurers: 16
Free Look Period: 20 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,985
Direct
$6,015
Cremation
Funeral Service
$7,023
Direct
$3,150
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $17,318 (U.S. Average: $13,843)

d

Delaware
Final Expense Insurers: 18
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,023
Direct
$5,841
Cremation
Funeral Service
$6,103
Direct
$2,149
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $14,937 (U.S. Average: $13,843)

f

Florida
Final Expense Insurers: 21
Free Look Period: 14 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,023
Direct
$5,652
Cremation
Funeral Service
$6,103
Direct
$2,616
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,705 (U.S. Average: $13,843)
Read more about burial insurance in Florida Burial insurance in Florida

g

Georgia
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,023
Direct
$5,195
Cremation
Funeral Service
$6,103
Direct
$1,683
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,376 (U.S. Average: $13,843)
Read more about burial insurance in Georgia Burial insurance in Georgia

h

Hawaii
Final Expense Insurers: 18
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,023
Direct
$5,137
Cremation
Funeral Service
$6,103
Direct
$1,924
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $27,175 (U.S. Average: $13,843)

i

Idaho
Final Expense Insurers: 21
Free Look Period: 20 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,835
Direct
$4,600
Cremation
Funeral Service
$5,812
Direct
$1,547
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,027 (U.S. Average: $13,843)
Illinois
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,390
Direct
$4,607
Cremation
Funeral Service
$5,505
Direct
$1,700
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,262 (U.S. Average: $13,843)
Indiana
Final Expense Insurers: 21
Free Look Period: 0 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,280
Direct
$5,295
Cremation
Funeral Service
$6,120
Direct
$2,552
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,514 (U.S. Average: $13,843)
Read more about burial insurance in Indiana Burial insurance in Indiana
Iowa
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,280
Direct
$5,203
Cremation
Funeral Service
$6,120
Direct
$2,284
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,750 (U.S. Average: $13,843)

k

Kansas
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,755
Direct
$5,811
Cremation
Funeral Service
$6,713
Direct
$2,992
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,168 (U.S. Average: $13,843)
Kentucky
Final Expense Insurers: 20
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,755
Direct
$5,352
Cremation
Funeral Service
$6,713
Direct
$2,525
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,985 (U.S. Average: $13,843)
Read more about burial insurance in Kentucky Burial insurance in Kentucky

l

Louisiana
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,615
Direct
$4,795
Cremation
Funeral Service
$5,858
Direct
$2,019
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,930 (U.S. Average: $13,843)
Read more about burial insurance in Louisiana Burial insurance in Louisiana

m

Maine
Final Expense Insurers: 16
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,912
Direct
$5,214
Cremation
Funeral Service
$5,890
Direct
$2,313
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $16,086 (U.S. Average: $13,843)
Maryland
Final Expense Insurers: 20
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,985
Direct
$5,457
Cremation
Funeral Service
$7,023
Direct
$2,348
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $17,733 (U.S. Average: $13,843)
Massachusetts
Final Expense Insurers: 18
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,023
Direct
$5,588
Cremation
Funeral Service
$6,103
Direct
$2,425
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $18,356 (U.S. Average: $13,843)
Michigan
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,985
Direct
$5,527
Cremation
Funeral Service
$7,023
Direct
$2,696
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,584 (U.S. Average: $13,843)
Minnesota
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,280
Direct
$4,982
Cremation
Funeral Service
$6,120
Direct
$2,246
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $14,010 (U.S. Average: $13,843)
Mississippi
Final Expense Insurers: 20
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,755
Direct
$5,855
Cremation
Funeral Service
$6,713
Direct
$2,914
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $11,739 (U.S. Average: $13,843)
Read more about burial insurance in Mississippi Burial insurance in Mississippi
Missouri
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,615
Direct
$5,004
Cremation
Funeral Service
$5,858
Direct
$1,983
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,307 (U.S. Average: $13,843)
Montana
Final Expense Insurers: 19
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,755
Direct
$4,989
Cremation
Funeral Service
$6,713
Direct
$1,849
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,677 (U.S. Average: $13,843)

n

Nebraska
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,390
Direct
$5,098
Cremation
Funeral Service
$5,505
Direct
$2,478
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,819 (U.S. Average: $13,843)
Nevada
Final Expense Insurers: 21
Free Look Period: 30 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,755
Direct
$5,473
Cremation
Funeral Service
$6,713
Direct
$2,960
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $15,075 (U.S. Average: $13,843)
New Hampshire
Final Expense Insurers: 17
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,390
Direct
$4,977
Cremation
Funeral Service
$5,505
Direct
$1,444
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $14,979 (U.S. Average: $13,843)
New Jersey
Final Expense Insurers: 20
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,985
Direct
$5,323
Cremation
Funeral Service
$7,023
Direct
$2,176
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $16,363 (U.S. Average: $13,843)
New Mexico
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,573
Direct
$5,384
Cremation
Funeral Service
$6,498
Direct
$2,510
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,404 (U.S. Average: $13,843)
New York
Final Expense Insurers: 5
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,390
Direct
$4,753
Cremation
Funeral Service
$5,505
Direct
$1,940
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $18,509 (U.S. Average: $13,843)
Read more about burial insurance in New York Burial insurance in New York
North Carolina
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,573
Direct
$4,998
Cremation
Funeral Service
$6,498
Direct
$2,395
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,234 (U.S. Average: $13,843)
Read more about burial insurance in North Carolina Burial insurance in North Carolina
North Dakota
Final Expense Insurers: 20
Free Look Period: 20 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,023
Direct
$4,785
Cremation
Funeral Service
$6,103
Direct
$1,914
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,428 (U.S. Average: $13,843)

o

Ohio
Final Expense Insurers: 21
Free Look Period: 0 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,755
Direct
$5,458
Cremation
Funeral Service
$6,713
Direct
$3,183
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,861 (U.S. Average: $13,843)
Read more about burial insurance in Ohio Burial insurance in Ohio
Oklahoma
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,280
Direct
$4,929
Cremation
Funeral Service
$6,120
Direct
$2,045
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,016 (U.S. Average: $13,843)
Oregon
Final Expense Insurers: 20
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,912
Direct
$4,881
Cremation
Funeral Service
$5,890
Direct
$2,141
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $18,633 (U.S. Average: $13,843)

p

Pennsylvania
Final Expense Insurers: 20
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,835
Direct
$4,388
Cremation
Funeral Service
$5,812
Direct
$1,277
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $14,106 (U.S. Average: $13,843)

r

Rhode Island
Final Expense Insurers: 19
Free Look Period: 20 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,573
Direct
$5,281
Cremation
Funeral Service
$6,498
Direct
$2,457
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $16,529 (U.S. Average: $13,843)

s

South Carolina
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,985
Direct
$5,239
Cremation
Funeral Service
$7,023
Direct
$2,613
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,262 (U.S. Average: $13,843)
South Dakota
Final Expense Insurers: 20
Free Look Period: 30 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,023
Direct
$4,906
Cremation
Funeral Service
$6,103
Direct
$1,938
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,428 (U.S. Average: $13,843)

t

Tennessee
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,755
Direct
$5,164
Cremation
Funeral Service
$6,713
Direct
$2,826
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,487 (U.S. Average: $13,843)
Read more about burial insurance in Tennessee Burial insurance in Tennessee
Texas
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,615
Direct
$4,768
Cremation
Funeral Service
$5,858
Direct
$1,933
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,777 (U.S. Average: $13,843)
Read more about burial insurance in Texas Burial insurance in Texas

u

Utah
Final Expense Insurers: 20
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,912
Direct
$5,194
Cremation
Funeral Service
$5,890
Direct
$2,110
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,470 (U.S. Average: $13,843)

v

Vermont
Final Expense Insurers: 16
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,390
Direct
$4,655
Cremation
Funeral Service
$5,505
Direct
$1,625
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $16,058 (U.S. Average: $13,843)
Virginia
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,985
Direct
$5,023
Cremation
Funeral Service
$7,023
Direct
$2,295
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $14,065 (U.S. Average: $13,843)

w

Washington
Final Expense Insurers: 18
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,023
Direct
$5,144
Cremation
Funeral Service
$6,103
Direct
$2,484
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $15,408 (U.S. Average: $13,843)
Washington DC
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,835
Direct
$4,565
Cremation
Funeral Service
$5,812
Direct
$1,458
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $14,065 (U.S. Average: $13,843)
West Virginia
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,023
Direct
$4,906
Cremation
Funeral Service
$6,103
Direct
$2,257
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $12,750 (U.S. Average: $13,843)
Wisconsin
Final Expense Insurers: 21
Free Look Period: 10 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$8,280
Direct
$5,530
Cremation
Funeral Service
$6,120
Direct
$2,866
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,331 (U.S. Average: $13,843)
Wyoming
Final Expense Insurers: 21
Free Look Period: 30 days
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
Average Costs
Burial
Funeral Service
$7,390
Direct
$5,054
Cremation
Funeral Service
$5,505
Direct
$2,533
Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.
End-of-Life Medical Expenses: $13,207 (U.S. Average: $13,843)

How Choice Mutual Can Help

First, we service the entire nation. No matter which state you live in, we can help.

Choice Mutual is an independent insurance agency representing over 15 final expense companies.

Our entire goal is to match each client with whichever insurer offers them the best policy.

Our services come at no cost to you, and the insurance doesn’t cost more because you bought it through an agency.

Tip:
Policies with no waiting period are generally only sold through licensed agencies. There is a two-year waiting period when you buy coverage directly from an insurer like AAA or USAA.

We can answer your questions and recommend the best options given your unique wants and needs.

Then if you’re ready to apply, we’ll hold your hand through the whole application process from start to finish.

Check out these real Choice Mutual reviews to see how happy past clients have been after working with us.

If you need burial insurance in the USA, call us at 1-800-644-2926, and we won’t let you down.