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About Funeral Insurance

Funeral Insurance

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What is funeral insurance?

What is funeral insurance?

Funeral insurance is a type of life insurance designed specifically for final expenses. It’s sometimes called burial insurance or final expense insurance.

Paying for a funeral is the only reason why many older consumers may buy a life insurance policy. But burial insurance can be less expensive and you may have better options.

How does funeral insurance work?

How does funeral insurance work?

Funeral insurance policies generally do not require a medical exam, and the application may ask only a few health questions—or no questions at all. Rates are based primarily on age and gender. 

Breakdown of Median funeral costs

Type of cost Median Price Description
Casket
$2,500
Cost for a metal casket, your cost will vary based upon the materials you choose.
Cremation casket
$1,310
A fully combustible container, this can be a traditional casket or cardboard box but cannot have any metal parts.
Cremation fee
$368
If the funeral home does not own a crematory and uses a third party.
Urn
$295
Container to hold cremated remains.
Required basic services fee
$2,300
Covers the funeral home’s time, storage of remains and overhead expenses.
Embalming
$775
Not required by law, but a funeral home may require if you hold a viewing.
Other preparation of the body
$275
May include cosmetic reconstruction, hair styling and dressing the deceased
Use of facilities/staff for funeral ceremony
$515
If you have the ceremony at the funeral home, you can expect to pay this fee.
Hearse
$350
Transporting the remains from the funeral home to the burial site.
Service car/van
$150
Transporting the family and guests from the funeral home to the burial site.
Printed materials
$183
Memorial package and guest book.