The average American funeral costs over $7,800. Burial insurance provides your family with the financial protection they need — without the burden of a medical exam or long waiting periods. Get covered for as little as $15 per month.
Burial insurance is a type of whole life insurance policy specifically designed to cover end-of-life expenses, including funeral costs, burial or cremation, memorial services, and other related fees. Unlike traditional life insurance, burial insurance policies are smaller in coverage amount — typically ranging from $5,000 to $50,000 — and are much easier to qualify for.
Also known as final expense insurance or funeral insurance, burial insurance provides a guaranteed death benefit that your beneficiaries can use to pay for your funeral and any remaining debts. The policy remains in force for your entire life as long as premiums are paid, and your rates are locked in at the time of purchase — they never increase.
Burial insurance is one of the most practical and affordable ways to ensure your family is not left with a financial burden during an already difficult time. With the average funeral in the United States costing between $7,000 and $12,000, having a burial insurance policy in place gives your loved ones the freedom to focus on grieving rather than worrying about how to pay for your final arrangements.
Burial insurance is ideal for anyone who wants to ensure their family is not burdened with funeral expenses. While it is particularly popular among seniors aged 50 to 85, people of all ages can benefit from having a burial insurance policy. Here are some common situations where burial insurance makes sense:
Whether you are 30 or 80, healthy or managing chronic conditions, there is a burial insurance plan that fits your needs and budget. The key is to apply sooner rather than later — premiums increase with age, so locking in a rate today means lower costs over the life of your policy.
The cost of burial insurance depends on several factors, including your age, gender, health status, and the amount of coverage you choose. On average, burial insurance premiums range from $15 to $120 per month. Here is a general breakdown of what you can expect:
Women generally pay lower premiums than men because of longer life expectancy. Non-smokers also receive significantly lower rates than tobacco users. The coverage amount you select has the biggest impact on your monthly premium — a $10,000 policy costs roughly half of what a $20,000 policy costs.
One of the biggest advantages of burial insurance is that your premium is locked in for life. Unlike term life insurance, which expires after a set period, burial insurance premiums never increase regardless of changes in your health or age. This makes it an excellent option for long-term financial planning.
At Easy Burial Quote, we compare rates from six or more A-rated insurance carriers to find you the lowest possible premium. Our independent brokers have access to companies like Mutual of Omaha, Americo, Foresters, Gerber Life, AIG, and Transamerica — ensuring you get the best deal available.
There are three main types of burial insurance policies, each designed to meet different health and coverage needs:
Simplified issue policies require you to answer a few basic health questions but do not require a medical exam, blood test, or doctor visit. If you are in reasonably good health, this is typically the best option because it offers immediate full coverage from day one and the lowest premiums. Most applicants aged 50 to 85 qualify for simplified issue burial insurance.
Guaranteed acceptance policies are designed for people who may not qualify for simplified issue coverage due to serious health conditions. As the name suggests, acceptance is guaranteed — there are no health questions and no medical exam. The trade-off is a graded death benefit, which means the full coverage amount is not available during the first two to three years of the policy. If the insured passes away during this waiting period, beneficiaries typically receive a refund of premiums paid plus interest (usually 10%). After the waiting period, the full death benefit is available.
Modified benefit policies fall between simplified issue and guaranteed acceptance. They may ask a few health questions and have a partial waiting period for the full benefit. These policies are often a good middle ground for people with moderate health conditions who want some immediate coverage while building toward the full benefit amount.
Our licensed agents at Easy Burial Quote will help you determine which type of policy is the best fit based on your health, age, and budget. We work with multiple carriers, so if one company cannot offer you the coverage you need, we will find one that can.
Getting burial insurance through Easy Burial Quote is a simple, straightforward process that can be completed in as little as 15 minutes. Here is how it works:
The entire process is handled over the phone — no in-person meetings, no paperwork to mail, and no long waiting periods. Most of our clients are fully covered within 24 hours of their initial call.
When planning for end-of-life expenses, you have several options beyond burial insurance. Here is how they compare:
For most people, burial insurance offers the best combination of affordability, accessibility, and reliability. It is specifically designed to cover funeral and end-of-life costs, making it the most targeted solution for this particular need.
Common questions about burial insurance
Burial insurance is a type of whole life insurance with coverage amounts typically between $5,000 and $50,000. It is designed to cover funeral costs, burial or cremation expenses, and other end-of-life bills. Premiums are affordable and locked in for life.
Burial insurance typically costs between $15 and $120 per month, depending on your age, health, gender, and coverage amount. A healthy 65-year-old can often get $15,000 in coverage for around $40-60 per month.
No. Most burial insurance policies do not require a medical exam. Simplified issue policies ask a few basic health questions, while guaranteed acceptance policies have no health questions at all.
Burial insurance provides a cash death benefit that your beneficiaries can use for any purpose, including funeral and burial costs, cremation, memorial services, outstanding medical bills, credit card debt, or any other expenses.
Yes. Guaranteed acceptance burial insurance is available to anyone aged 50-85, regardless of health conditions. There are no health questions and no medical exam. Coverage begins after a two to three year waiting period.
You can be approved and covered the same day you apply. With Easy Burial Quote, the entire process takes about 15 minutes over the phone. There are no in-person meetings or paperwork to mail.
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