Below is a summary of final expense insurance programs in all 50 states, including D.C., as well as the number of different burial insurance companies available. You’ll also see the average cost of a funeral for your state and the cost of cremation, so you can accurately determine how much coverage you’ll need.
a
Alabama
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Alaska
Providers Available:
Burial Insurance Companies Available:
22
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Arizona
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Arkansas
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
c
California
Providers Available:
Burial Insurance Companies Available:
22
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Colorado
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Connecticut
Providers Available:
Burial Insurance Companies Available:
22
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
d
Delaware
Providers Available:
Burial Insurance Companies Available:
23
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
District of Columbia
Providers Available:
Burial Insurance Companies Available:
23
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
f
Florida
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
g
Georgia
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
h
Hawaii
Providers Available:
Burial Insurance Companies Available:
22
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
i
Idaho
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Illinois
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Indiana
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Iowa
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
k
Kansas
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Kentucky
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
l
Louisiana
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
m
Maine
Providers Available:
Burial Insurance Companies Available:
21
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Maryland
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Massachusetts
Providers Available:
Burial Insurance Companies Available:
20
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Michigan
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Minnesota
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Mississippi
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Missouri
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Montana
Providers Available:
Burial Insurance Companies Available:
18
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
n
Nebraska
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Nevada
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
New Hampshire
Providers Available:
Burial Insurance Companies Available:
21
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
New Jersey
Providers Available:
Burial Insurance Companies Available:
23
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
New Mexico
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
New York
Providers Available:
Burial Insurance Companies Available:
5
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
North Carolina
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
North Dakota
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
o
Ohio
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Oklahoma
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Oregon
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
p
Pennsylvania
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
r
Rhode Island
Providers Available:
Burial Insurance Companies Available:
23
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
s
South Carolina
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
South Dakota
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
t
Tennessee
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Texas
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
u
Utah
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
v
Vermont
Providers Available:
Burial Insurance Companies Available:
20
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Virginia
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
w
Washington
Providers Available:
Burial Insurance Companies Available:
22
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
West Virginia
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Wisconsin
Providers Available:
Burial Insurance Companies Available:
24
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Wyoming
Providers Available:
Burial Insurance Companies Available:
25
The Free Look provision grants the policyholder time to review their insurance policy and refuse it for any reason. If you cancel during this time, the insurance company will refund any paid premiums.
State Funeral Cost Average
Frequently Asked Questions
Final expense insurance prices don’t differ by state except in Montana. In Montana, a law requires insurers to charge men and women the same prices for all life insurance products. For that reason, women who live in Montana are charged the same price as men. If they lived in another state, their rate would be much lower (women pay roughly 30% less for life insurance than men because, on average, they live longer).
This is expressly forbidden. If an insurer knew you did this, they would immediately rescindRescission
Rescission is the undoing of a legal contract as if it had never been executed. This is very different from simply cancelling a contract, because cancellation doesn't undo the contract's prior implications. When a life insurance policy is rescinded, the insurer nullifies all contractual obligations it was ever bound by and refunds all premiums paid. In layman's terms, the insurer is saying that, had they known what they know now, they would never have issued the policy in the first place. the policy.
This is expressly forbidden. If an insurer knew you did this, they would rescind the policy immediately.
A PO BOX is not eligible to determine your state when applying for life insurance. For example, if you live in New York and have a New Jersey PO BOX, you still cannot buy New Jersey policies. You would still only be able to buy New York policies.
If you have a second residence, you can apply for a policy that’s available in that state that may not be available in your other state of residence. However, you must be physically located in the state where your second home is located when you apply.
- 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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Montana. https://www.washingtonpost.com/archive/politics/1985/10/01/montana-implements-policy-of-unisex-insurance/c8897a22-a667-4d6e-acb2-b695702e1b31/
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States regulate. https://www.finra.org/investors/investing/investment-products/insurance
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