Burial insurance cost calculator
Estimate final expense insurance costs to ensure your funeral and end-of-life costs are covered.
Burial insurance cost calculator
Estimate final expense (burial) insurance monthly premiums to cover end-of-life costs.
This is an estimate for informational purposes only based on national and state averages. Actual rates vary by insurer and individual circumstances. For an accurate quote, contact a licensed insurance agent.
Why final expense planning matters
More than 60% of Americans report that an unexpected $1,000 expense would cause financial stress. A funeral costing $10,000 is exactly that kind of unexpected expense — but one that occurs at the worst possible time. Burial insurance is a specific solution to a specific problem: ensuring the cost of dying does not create a financial burden for surviving family members.
Who burial insurance is for
Burial insurance makes most sense for seniors who no longer carry or cannot afford traditional life insurance, people who do not have savings earmarked for end-of-life costs, and those who want to ensure specific expenses are covered without liquidating other assets. It is not the right product for younger people needing income replacement — term life insurance covers that need far more cost-effectively.
Compare to pre-paid funeral plans
Pre-paid funeral plans lock you into a specific funeral home and specific services. Burial insurance is more flexible — the death benefit goes to your beneficiary, who can use it for any provider and any combination of final expenses. Burial insurance also retains value if the funeral home closes or you move. For most people, burial insurance is more flexible and safer than pre-paid plans.