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
$7,271
Direct
$3,838
Cremation
Funeral Service
$6,314
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
$7,225
Direct
$3,104
Cremation
Funeral Service
$6,028
Direct
$1,935
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
$6,888
Direct
$3,203
Cremation
Funeral Service
$5,694
Direct
$1,430
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
$7,334
Direct
$3,264
Cremation
Funeral Service
$6,405
Direct
$1,671
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
$7,225
Direct
$3,441
Cremation
Funeral Service
$6,028
Direct
$1,582
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
$6,888
Direct
$3,637
Cremation
Funeral Service
$5,694
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: $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
$7,881
Direct
$4,815
Cremation
Funeral Service
$7,069
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
$7,800
Direct
$4,452
Cremation
Funeral Service
$7,070
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: $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
$7,800
Direct
$3,994
Cremation
Funeral Service
$7,070
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: $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
$7,800
Direct
$3,931
Cremation
Funeral Service
$7,070
Direct
$1,918
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
$7,225
Direct
$3,400
Cremation
Funeral Service
$6,028
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: $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
$6,888
Direct
$3,407
Cremation
Funeral Service
$5,694
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: $13,027 (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
$7,868
Direct
$4,095
Cremation
Funeral Service
$6,953
Direct
$2,551
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
$7,868
Direct
$4,003
Cremation
Funeral Service
$6,953
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: $12,514 (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
$8,500
Direct
$4,611
Cremation
Funeral Service
$7,560
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: $12,750 (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
$8,500
Direct
$4,152
Cremation
Funeral Service
$7,560
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: $12,168 (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
$7,271
Direct
$3,595
Cremation
Funeral Service
$6,314
Direct
$2,022
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
$7,334
Direct
$3,979
Cremation
Funeral Service
$6,405
Direct
$2,283
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
$7,881
Direct
$4,237
Cremation
Funeral Service
$7,069
Direct
$2,347
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
$7,800
Direct
$4,395
Cremation
Funeral Service
$7,070
Direct
$2,426
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
$7,881
Direct
$4,330
Cremation
Funeral Service
$7,069
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: $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
$7,868
Direct
$3,782
Cremation
Funeral Service
$6,953
Direct
$2,245
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
$8,500
Direct
$4,655
Cremation
Funeral Service
$7,560
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: $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
$7,271
Direct
$3,801
Cremation
Funeral Service
$6,314
Direct
$1,986
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
$8,500
Direct
$3,792
Cremation
Funeral Service
$7,560
Direct
$1,845
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
$6,888
Direct
$3,898
Cremation
Funeral Service
$5,694
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: $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
$8,500
Direct
$4,274
Cremation
Funeral Service
$7,560
Direct
$2,969
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
$6,888
Direct
$3,772
Cremation
Funeral Service
$5,694
Direct
$1,428
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
$7,881
Direct
$4,123
Cremation
Funeral Service
$7,069
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: $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
$8,093
Direct
$4,181
Cremation
Funeral Service
$7,463
Direct
$2,505
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
$6,888
Direct
$3,553
Cremation
Funeral Service
$5,694
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: $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
$8,093
Direct
$3,803
Cremation
Funeral Service
$7,463
Direct
$2,391
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
$7,800
Direct
$3,585
Cremation
Funeral Service
$7,070
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: $13,234 (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
$8,500
Direct
$4,258
Cremation
Funeral Service
$7,560
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: $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
$7,868
Direct
$3,729
Cremation
Funeral Service
$6,953
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: $12,861 (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
$7,334
Direct
$3,681
Cremation
Funeral Service
$6,405
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: $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
$7,225
Direct
$3,188
Cremation
Funeral Service
$6,028
Direct
$1,264
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
$8,093
Direct
$4,076
Cremation
Funeral Service
$7,463
Direct
$2,456
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
$7,881
Direct
$4,039
Cremation
Funeral Service
$7,069
Direct
$2,615
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
$7,800
Direct
$3,711
Cremation
Funeral Service
$7,070
Direct
$1,937
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
$8,500
Direct
$3,964
Cremation
Funeral Service
$7,560
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: $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
$7,271
Direct
$3,570
Cremation
Funeral Service
$6,314
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: $12,487 (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
$7,334
Direct
$3,988
Cremation
Funeral Service
$6,405
Direct
$2,108
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
$6,888
Direct
$3,455
Cremation
Funeral Service
$5,694
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: $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
$7,881
Direct
$3,823
Cremation
Funeral Service
$7,069
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: $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
$7,800
Direct
$3,895
Cremation
Funeral Service
$7,070
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: $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
$7,225
Direct
$3,342
Cremation
Funeral Service
$6,028
Direct
$1,460
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
$7,881
Direct
$4,641
Cremation
Funeral Service
$7,069
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: $14,065 (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
$7,800
Direct
$3,706
Cremation
Funeral Service
$7,070
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
$7,868
Direct
$4,328
Cremation
Funeral Service
$6,953
Direct
$2,862
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
$6,888
Direct
$3,854
Cremation
Funeral Service
$5,694
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.