Last updated: March 2026
How Much Does Burial Insurance (Final Expense) Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Burial Insurance ($10K, age 55, monthly) | $0 – $0 | $30 – $60 |
| Burial Insurance ($20K, age 65, monthly) | $0 – $0 | $60 – $100 |
| Burial Insurance ($25K, age 70, monthly) | $0 – $0 | $80 – $150 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Burial insurance is a small whole life policy designed to cover funeral and end-of-life expenses. It typically has simplified underwriting and no medical exam.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Burial insurance costs $30 to $150 per month depending on age and coverage amount. A $15,000 policy for a 65-year-old costs approximately $50 to $80 per month.
Burial insurance is a type of whole life insurance with lower coverage amounts ($5,000 to $25,000) designed specifically for funeral costs. It requires no medical exam and has simplified underwriting.
The average funeral costs $7,000 to $12,000. Burial insurance ensures your family is not burdened with these costs. It is most useful for seniors who may not qualify for traditional life insurance.