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Quick ANswers

Frequently Asked Questions

What is funeral insurance?

Funeral insurance, burial insurance, and final expense insurance are all names for small life insurance policies ($5,000-$40,000). These policies cover the cost of final expenses such as funeral products and services. For more details on these specialized policies, visit our funeral insurance pages, burial insurance, and final expense insurance.

Do I need funeral insurance?

The most important benefit of funeral insurance is financial security for your family. According to the 2021 National Funeral Directors Association (NFDA) Member General Price List Study, the median cost of a funeral has increased only 6.6% over the past five years to $7,848 and the median cost of a funeral with cremation has increased 11.3% over the past five years to $6,970. Covering funeral costs is a heavy financial burden for most people, especially if it comes unexpectedly and at a stressful time. Having a funeral insurance policy protects your family against this financial hardship. It also avoids the added stress of paying for final expenses while dealing with their grief.

How much funeral insurance do I need?

The value of your policy will depend on the type of funeral service and burial you anticipate having. Most funeral insurance policies range from $5,000-$40,000. A small, simple service or cremation will cost less than a grander service so you won’t need as large a policy. The best way to estimate how much money you need to have available for funeral costs is by preplanning.

Should my policy be large enough to cover more than just funeral expenses?

You might decide to increase the policy amount to allow for additional funeral costs or cover other final expenses. Some people choose to cover credit card bills, rent, utilities, and other outstanding items that are due at the time of your funeral. You could also reduce the policy amount if you only wish to insure only a portion of your estimated funeral costs and minimize your premium payments.

How much does funeral insurance cost?

The cost of funeral insurance depends on factors such as age, health, how much coverage you request, and the type of policy you choose. A guaranteed issue policy will not take health into consideration so the cost may be somewhat higher than for a medically underwritten policy. If you select an underwritten policy, the price depends on your unique situation. For example, the premiums for someone who is age 55 and does not smoke will likely be lower than for a 70-year old smoker. The best way to find out exactly how much your premiums will be is to request a quote. You are under absolutely no obligation but will be able to find out for certain if funeral insurance is something that fits within your budget. Click here to get an instant quote.

Do I need to talk to an insurance agent?

You may be able to do the whole process online, but it is always best to talk with an agent to ask questions, get clarifications, and make sure that you understand exactly what you are buying. One good strategy is to request a quote online and then talk with an agent. This way, you can be confident you are getting the best policy for you at the best price. An independent agent (also called a broker) is typically self-employed and represents a variety of companies. An exclusive agent represents only one company and may be an employee of the company they represent.

What kind of funeral insurance do I need?

Your specific circumstances will determine the type of insurance you need. It is important to find a policy that covers enough funds to cover your burial and funeral. A lot of people find that a small policy for their whole lives will be sufficient. To get an accurate answer about your end-of life situation, it is a good idea consult your financial advisor.

Do I need funeral insurance if I have life insurance?

As an addition to their life insurance, many people purchase funeral insurance. Funeral insurance protects your estate against being depleted by final expenses. Funeral insurance pays out faster than regular life insurance. This is a key advantage. Even if you have a substantial estate or life insurance, it is possible that your loved ones will not be able to pay for your funeral expenses. Most funeral companies require you to pay at the time of service.

How do I go about applying for funeral insurance?

The company you are purchasing from will determine how you apply. Some companies allow you to apply by phone, while others require you to submit a hard copy. You can also apply online for others. You will generally request a quote without obligation and wait to hear back. You can request quotes from multiple companies and compare them once they are received. Then you can choose the policy that is best for you. It’s usually quick and easy. It is a good idea to request a quote without obligation from one of our best burial insurance companies.

How long do funeral insurance policies last?

Your policy will continue until your death if you have whole-life funeral insurance and pay your premiums on time. The policy’s value will be paid to the beneficiary upon your death. Your beneficiary will be paid a cash payment if you die before the expiration of your term funeral insurance policy. Unfortunately, if the term expires before your death, there will not be any payout. In almost all cases, a burial insurance policy cannot be canceled if you stop paying your monthly premiums.