Which Companies Offer Burial Insurance In Washington?
Burial insurance in the USA varies by state. Below is a full breakdown of which companies offer plans in Washington.
Y2 50% payout,
Y3+ full benefits
How Much Does Final Expense Insurance Cost In Washington?
Burial insurance quotes are determined by your exact age, health, gender, tobacco habits, and how much coverage you want. Below are some sample prices, but remember that your rate may be more or less depending on the aforementioned factors.
How Do Burial Insurance Plans Work?
Burial insurance, which is also known as final expense or funeral insurance, is a type of small whole life policy meant to cover your end-of-life expenses.
The premiums always remain the same, and the policy will never expire due to age.
The requirements to qualify are simple because there is no medical exam. In most cases, applications are approved on the spot or within a few business days.
There are two types of plans that companies offer:
- Guaranteed acceptance: You don’t have to answer any health questions because the insurer guarantees your approval. There will be a two-year waiting period, during which death (except accidental death) will result only in a refund of your premiums.
- Simplified issue: You answer health questions which determine your eligibility. If approved, there is no waiting period, which means you’re fully covered right away.
When you die, the insurance company will disburse the funds (tax-free) to your beneficiaries. Please note that there are no restrictions on how they spend that money and are entitled to keep any remaining funds.
How Much Does A Funeral Cost In Washington?
| Service Type | Average Cost |
|---|---|
| Burial Service | $7,835 |
| Direct Burial (No Service) | $5,176 |
| Cremation Service | $5,812 |
| Direct Cremation (No Service) | $2,515 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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The Free Look Period In Washington And The FTC Funeral Rule
Washington requires life insurance policies to allow for a 10-day free look period. During this time, you have the right to cancel and receive a refund if you’ve paid any premiums.
On a national level, the Federal Trade Commission implemented the Funeral Rule, which regulates how funeral homes conduct business.
It requires them to provide transparent prices either in writing or over the phone. Also, they must accept (and cannot charge a fee) products from outside sources. For example, you can buy an urn or casket online and have it shipped to the funeral home, which must accept it. Finally, they must allow consumers to pick and choose whatever 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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10-day free look period. https://www.insurance.wa.gov/insurance-resources/life-insurance/learn-how-life-insurance-works
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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 11/29/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (11/29/2024-11/29/2025).
- Data sourced from 2023 NFDA General Price List Study.
