Government Burial Insurance Explained
The only type of government burial insurance is the Veterans Affairs Life Insurance (VALife) plan, which was released in January 2023. That program is only available to disabled veterans who meet the criteria, and it’s not free. If you’re eligible, you must pay for it (and it’s not inexpensive).
For all other U.S. citizens, there is no type of final expense insurance offered by the federal government, nor at the state or local level.
What Is The 2025 State Regulated Life Insurance Program?
The “New 2025 state regulated life insurance program” is a deceptive marketing tactic insurance agents and agencies employ to trick consumers into thinking they’re being offered an insurance policy subsidized and endorsed by the government.
If you respond to one of those advertisements, a life insurance agent will show up at your door and call you relentlessly. They will try to sell you a life insurance policy that is:
- Not new or unique to your state.
- It is not affiliated with any government entity.
- Not subsidized (you alone pay for it).
An advertisement for state regulated life insurance isn’t a burial insurance scam per se because it won’t result in someone stealing your identity or money from your bank account. However, they are an incredibly misleading and immoral way to market life insurance, so you should avoid them at all costs.
Veterans Burial Benefits
If you served in the military, you are entitled to certain burial benefits provided by the VA.
For example, for a service-related death after September 11, 2001, the VA will pay up to $2,000 toward burial costs. In addition, some or all of the transportation costs may be reimbursed if you’re buried at a VA national cemetery.
Visit the U.S. Department of Veterans Affairs for complete benefit details and eligibility requirements.
Does Social Security Provide Money For Funerals?
If you die, Social Security will pay a maximum of $255 to a surviving spouse or child (if there is no surviving spouse).
There is no other money that Social Security (or any other government entity) will provide for funeral costs.
How To Find Affordable Final Expense Insurance
If you need a senior burial policy, dozens of reputable companies throughout the USA. Understand, though, that none of them are endorsed, subsidized, or affiliated with the government in any way.
The key to finding the lowest cost of a final expense policy is to review multiple providers side by side to compare the prices and terms of the policies.
For example, some burial insurance companies (such as Colonial Penn) always have a two-year waiting period before you’re covered for natural causes of death. Alternatively, there is burial insurance with no waiting period from companies like Mutual of Omaha, Aflac, and many others.
Ultimately, it’s highly advisable to work with an independent insurance agency that can do the comparative shopping for you. An independent broker represents multiple insurers on your behalf. They do so because that allows them to find each client the best plan possible at the lowest price.
Alternatively, if you work with a captive company like State Farm, they only have one option to offer you. Comparing multiple providers rather than just one will always lead to a lower price and better policy terms.
If you need final expense insurance, call us at 1-800-644-2926, and we will compare every company in your state to find the best policy for you.
- 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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the criteria. https://www.va.gov/life-insurance/options-eligibility/valife/
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U.S. Department of Veterans Affairs. https://www.benefits.va.gov/compensation/claims-special-burial.asp
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Social Security. https://www.ssa.gov/benefits/survivors/ifyou.html#h7
