Burial Insurance Cost
Frequently Asked Questions
How much does burial insurance cost?
Burial insurance costs $30-$150/month depending on age, health, and coverage amount. Average by age: 50-year-old: $30-$60/mo for $15K, 60-year-old: $50-$100/mo for $15K, 70-year-old: $80-$150/mo for $15K. These policies cover funeral, burial, and related end-of-life costs.
What is the average funeral cost in 2026?
The average funeral with viewing and burial costs $7,848. Cremation with memorial service averages $6,280. Additional costs include cemetery plot ($1,000-$4,000), headstone ($1,000-$3,000), and flowers/obituary ($500-$1,500). Total end-of-life costs often reach $10,000-$15,000.
Is burial insurance the same as life insurance?
Burial insurance is a type of whole life insurance with smaller coverage amounts ($5,000-$50,000) designed specifically to cover funeral and end-of-life expenses. It has simplified underwriting (easier to qualify), is permanent (no expiration), and builds a small cash value.
Can you be denied burial insurance?
It depends on the type. Guaranteed issue burial insurance accepts everyone ages 50-85 with no health questions — you cannot be denied. Simplified issue burial insurance asks a few health questions and may deny coverage for serious conditions. Guaranteed issue costs more but has no denials.
Who needs burial insurance?
Burial insurance is ideal for: seniors who want to cover funeral costs without burdening family, people who cannot qualify for traditional life insurance due to health issues, those with no other life insurance, and anyone who wants a dedicated fund for end-of-life expenses.