Which Companies Offer Burial Insurance Plans In Virginia?
States are responsible for governing insurance products (not the federal government). Therefore, in the USA, final expense policies differ from state to state.
Below is a table that outlines all the various insurance companies that offer plans in Virginia.
How Much Does A Final Expense Life Insurance Policy Cost In Virginia?
Final expense insurance rates are based on how much coverage you want, gender, health, tobacco usage (if any), and age.
How Do Burial Expense Policies Work?
Burial insurance plans are whole life policies that pay out super fast, so your family can cover all your end-of-life expenses.
Being a whole life policy, the monthly premium cannot change, it builds cash value, and it lasts your entire life.
Seniors with a host of pre-existing conditions will still qualify. No medical exam is required to qualify, and some policies don’t even have health questions.
When you die, the policy pays cash directly to your family or funeral home (the choice is yours). Also, if your loved ones don’t use all the money for your funeral costs, they keep any excess funds.
How Much Does A Funeral Cost In Virginia?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,023 |
| Direct Burial (No Service) | $5,035 |
| Cremation Service | $6,103 |
| Direct Cremation (No Service) | $2,297 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
|
The Free Look Period In Virginia And The FTC Funeral Rule
Virginia life insurance policies all have a 10-day free-look period, during which consumers can cancel their policy without penalty. Furthermore, cancellation during this period will result in a refund of any paid premiums.
Regarding funeral planning, it’s helpful to be familiar with the Funeral Rule, which the Federal Trade Commission established.
It requires the following from funeral homes:
- Provide transparent prices for every product and service before accepting any payment.
- Allow consumers to buy any product from an outside source.
- Allow consumers to select only which services and products they desire. In other words, they don’t have to accept pre-packed funerals that the provider may offer.
- 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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free-look period. https://law.lis.virginia.gov/vacode/38.2-3301/
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 10/13/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (10/14/2024-10/14/2025).
- Data sourced from 2023 NFDA General Price List Study.
