Which Companies Offer Burial Insurance Policies In West Virginia?
Below are all the final expense insurance companies that offer plans in West Virginia.
Y2 50% payout,
Y3+ full benefits
How Much Does Burial Insurance Cost In West Virginia?
How Does Final Life Insurance Work?
Final expense insurance is a marketing expression describing a small whole life policy meant to cover your funeral costs so as not to leave a financial burden on your loved ones. When you die, the insurer will quickly give your family cash so they can carry out your final wishes. Also, any money they don’t use on your funeral costs is theirs to keep.
Since it’s a whole life policy, it will last forever, and the premium will never increase.
No final expense insurance policies require a medical exam to qualify. However, some plans do require you to answer health questions.
Many companies offer “guaranteed acceptance” options in the USA, which don’t require you to answer any health or lifestyle questions. However, guaranteed issue plans always have a 24-month waiting period. If you die during the waiting period, the insurance company will only refund your money.
How Much Does A Funeral Cost In West Virginia?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,02 |
| Direct Burial (No Service) | $4,902 |
| Cremation Service | $6,103 |
| Direct Cremation (No Service) | $2,289 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
|
The Free Look Period In West Virginia And The FTC Funeral Rule
West Virginia requires life insurance policies to include a 10-day free-look period, during which you can decide whether to keep or cancel the policy. Also, if you do cancel, the insurance company must give you your money back.
If you’re planning a funeral, it’s helpful to be familiar with the FTC’s Funeral Rule. It requires funeral homes to adhere to the following practices:
- Allow the purchase of products from third parties.
- Allow consumers to pick (a la carte style) only the products and services they desire, rather than having to choose from pre-packed funeral plans.
- Provide prices in writing before accepting any payment.
- Nationally licensed life insurance agent with over 16 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 16 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 20 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 20 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 15 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 15 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 20 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 20 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 15 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 15 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.wvinsurance.gov/Portals/0/life_insurance_0921%20%281%29.pdf
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 03/09/2026.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (03/10/2025-03/10/2026).
- Data sourced from 2023 NFDA General Price List Study.
