The average funeral in Des Moines costs $7,245. Burial insurance gives Des Moines families the financial protection they need, with no medical exam and premiums starting at just $15 per month.
Des Moines is the capital and largest city in Iowa, home to over 215,000 residents and the center of a metropolitan area of nearly 700,000 people. Known worldwide as the insurance capital of the world, Des Moines is headquarters to Principal Financial Group, EMC Insurance, FBL Financial Group, and dozens of other insurance and financial services companies. The city's deep roots in the insurance industry mean its residents understand the value of financial protection better than most.
Burial insurance — also called final expense insurance — is a whole life insurance policy specifically designed to cover funeral costs, cremation, memorial services, and other end-of-life expenses. In Des Moines, where the average funeral costs $7,245, having a burial insurance policy means your family will not have to make difficult financial decisions during an already emotional time.
Unlike traditional life insurance policies that require extensive medical underwriting, burial insurance is accessible to most Des Moines residents aged 50 to 85 with no medical exam required. Coverage amounts typically range from $5,000 to $50,000, and premiums are locked in for life so your rate will never increase regardless of changes in your health or age.
Easy Burial Quote serves Des Moines families throughout Polk County, from the thriving East Village neighborhood to the suburban communities of West Des Moines, Ankeny, and Urbandale. Our licensed agents compare rates from six or more A-rated insurance carriers to find the most affordable burial insurance available for your specific situation.
Des Moines funeral costs reflect the Midwest's generally moderate cost of living, though expenses can still catch families off guard without proper planning. Here is a detailed breakdown of what Des Moines families can expect to pay for end-of-life services:
As the state capital and a major metro area, Des Moines funeral costs run slightly above the Iowa state average. Funeral expenses in the Des Moines area increase by approximately 3-4% per year. A burial insurance policy purchased today locks in your coverage amount at current rates, giving you a financial hedge against those rising costs. For most Des Moines families, a $15,000 to $20,000 burial insurance policy is sufficient to cover a traditional funeral with all standard services.
Getting burial insurance in Des Moines through Easy Burial Quote is a straightforward process that can be completed entirely over the phone. Here is how it works:
Iowa has strong consumer protection laws for insurance buyers. The Iowa Insurance Division oversees all insurance transactions in the state, and Iowa law provides a free-look period that allows you to review your policy and cancel within 30 days for a full refund if you change your mind. This gives Des Moines families extra peace of mind when purchasing burial insurance.
Living in the insurance capital of the world, Des Moines residents know the importance of shopping around. Easy Burial Quote brings that same comparison-shopping approach to burial insurance, ensuring you get the best rate from the best carrier for your specific needs.
Des Moines families have many options when shopping for burial insurance, but there are several reasons why Iowa residents trust Easy Burial Quote with their end-of-life planning:
Our mission is simple: help every Des Moines family find affordable burial insurance so that no one has to worry about how funeral expenses will be paid. Call 888-260-EASY today and let us show you how affordable peace of mind can be.
Des Moines holds a unique position as the insurance capital of the world, and this industry heritage shapes how local families think about financial protection. With Principal Financial Group, EMC Insurance, Nationwide's Des Moines operations, and dozens of smaller carriers based right here, many Des Moines residents work directly in the insurance industry or have family members who do.
This familiarity with insurance products makes Des Moines families particularly savvy consumers when it comes to burial insurance. They understand concepts like whole life versus term coverage, the importance of A.M. Best ratings, and why comparing multiple carriers leads to better outcomes. Easy Burial Quote was built for exactly this kind of informed consumer.
For Des Moines retirees — many of whom spent careers at Principal, EMC, or Allied Insurance — burial insurance serves as a focused, affordable complement to any existing life insurance or retirement benefits. Group life insurance from a former employer often ends or decreases significantly at retirement, leaving a coverage gap that burial insurance fills perfectly.
Des Moines also has a growing senior population, with many retirees choosing to age in place in established neighborhoods like Beaverdale, Sherman Hill, and South of Grand. The city's excellent healthcare system, anchored by UnityPoint Health, MercyOne, and Broadlawns Medical Center, supports aging in place, but healthcare coverage does not extend to funeral expenses. That is where burial insurance comes in.
Whether you are a retired insurance professional in West Des Moines, a farmer who moved into the city for retirement, or a lifelong Des Moines resident planning ahead for your family, Easy Burial Quote can help you find the right burial insurance policy at the right price. Call 888-260-EASY to speak with a licensed agent who understands the Des Moines market.
Common questions about burial insurance in Des Moines, IA
The average funeral in Des Moines costs approximately $7,245 for a traditional service with burial. Cremation with a memorial service averages $5,380. When you include all expenses such as a casket, burial plot, headstone, and transportation, total costs in Des Moines can reach $15,455 or more. These costs are slightly higher than the Iowa state average.
Yes. Most Des Moines residents aged 50 to 85 qualify for simplified issue burial insurance, which requires no medical exam, blood test, or doctor visit. You simply answer a few basic health questions over the phone. Even if you have pre-existing conditions, guaranteed acceptance options are available with no health questions at all.
Burial insurance in Des Moines typically costs between $15 and $110 per month, depending on your age, health, gender, and coverage amount. A healthy 65-year-old Des Moines resident can often get $15,000 in coverage for around $40 to $55 per month. Rates are locked in for life and never increase.
Yes. Iowa law provides a free-look period that allows you to review your burial insurance policy and cancel within 30 days for a full refund if you change your mind. This consumer protection applies to all life insurance policies purchased in Iowa, giving Des Moines families confidence when buying coverage.
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