Which Companies Offer Burial Insurance In Utah?
Final expense insurance policies can and do vary by state. For example, some providers offer plans in Texas, but not in Utah. That said, below is a detailed list of which burial insurance companies offer policies in Utah.
How Much Does Final Expense Insurance Cost In Utah?
The price of a whole life policy is based on variables such as your date of birth, gender, and health history. Below are some sample final expense quotes, but remember that your price may be higher or lower depending on all the relevant factors.
How Do Burial Insurance Plans Work?
Burial insurance is a kind of whole life policy that is usually meant to cover funeral costs. However, when the insured dies, the policy will pay out cash, which can be used for any purpose, not just funeral expenses.
When you buy a policy, you decide who your beneficiaries will be. They will receive the money to carry out your desired funeral and keep any leftover funds.
No medical exam is ever required to qualify, and most applications are approved or declined within minutes.
Some companies offer burial policies with no waiting period. For those, you must answer health questions and subsequently be approved. Conversely, there are plans without health questions, often referred to as “guaranteed acceptance.” The main thing to know about these plans is that they always have a 24-month waiting period. Any non-accidental death during the first 24 months will only result in a refund of your premiums.
Being a type of whole life insurance, the premium will always remain the same, and the coverage will last forever.
How Much Does A Funeral Cost In Utah?
| Service Type | Average Cost |
|---|---|
| Burial Service | $7,390 |
| Direct Burial (No Service) | $5,262 |
| Cremation Service | $5,505 |
| Direct Cremation (No Service) | $2,135 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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The Free Look Period In Utah And The FTC Funeral Rule
In Utah, there is a 10-day examination period (often called a “free-look” period) that gives policyholders the right to review and cancel their coverage. This provision protects consumers who are victims of scammers who mislead them about the policy’s terms or if they simply decide they no longer wish to have the coverage.
For funeral planning, the FTC Funeral Rule is helpful as it governs funeral homes in some of the following key ways:
- They must clearly outline all products and services and the cost of each.
- Allow you to purchase products from third-party vendors.
- Consumers don’t have to accept pre-planned funerals. They can pick and choose whatever they want.
How To Get Final Expense Insurance In Utah
When shopping for final expense insurance in the USA, it’s super important to compare 5-10 companies before making a final decision. That’s because every company has different costs, underwriting, and policy limitations.
For example, some providers will outright decline applicants with COPD, whereas others will not.
All in all, you must choose between buying through a licensed agent who represents one or more insurance companies or buying directly from an insurer, either online or through the mail.
Nearly all experts agree that working with an agent will give you the best chance to find the most appropriate and least costly policy. That said, some consumers are adamant that they don’t want to talk to an agent; in such cases, buying online from a company like Globe Life or Colonial Penn would make sense.
- 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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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 10/15/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (10/15/2024-10/15/2025).
- Data sourced from 2023 NFDA General Price List Study.
